Presented by:

1) Abhishek Parlecha
2) Keyur Dhoka
3) Nehal Thosani
4) Suprabha Parab

MET: eMBA

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 Primary Services

Debit/Credit Request a
Mobile Confirm Cheques
Card Transaction Cheque book
registration
notification

Mini Statement Cheques in

Stop Cheques Account Balance
(last 5 transaction) clearing Enquiry

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 Transactions process Through SMS

Fund transfer Shopping

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 Two methods of sms
Push sms:
Application server Mobile phone
e.g. Deposit alert
Pull sms:
Mobile phone Application server
e.g. Request for bank account balance by user

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 Two types of sms
Mobile originated (MO):
Mobile Moblie
Mobile Computer application
Mobile terminated (MT) :
Computer application Mobile
Moblie Mobile

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 Basic issues with data mining
Data quality
Interoperability
Mission creep
Privacy

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 SMS banking agent: proposed system

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 Database design

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 Mobile registration
Step 1 - Type keyword (DB)
Step 2 - #
Step 3 - service code
Step 4 - Debit/credit card no.
Step 5 - #
Step 6 - Pin no.
Eg - DB#MR#89749732957#3377
Reply:- You are successfully registerd

your Password is ****

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 Request a cheque book
 Step 1 - Type keyword (DB)
 Step 2 - #
 Step 3 - service code
 Step 4 - #
 Step 5 - Pin no.
 Step 6 - #
 Step 7 – Password …..
 Step 8 - #
 Step 9 – Cheque No
Eg - DB#RC#PIN#PWD#ChequeNo
Reply: Thanks Your Request id Is A0001 the details …….

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 Advantages of sms banking
Reduction in cost of operation
Portability
Better accessibility
Useful tool for to achieve the objective of financial
inclusion of banks

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 Limitations
Length of sms message
No guarantee of delivery of message
Cost of the operation is transferred to the sender
Delay of transmission of sms by GSMoperators
All networks don’t have full coverage

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 Thank
you
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