SMS Banking is a way of performing some banking activities by a customer himself using sms from his mobile phone.For accessing the sms banking system,the mobile of the customer must be registered with the bank.The bank will provide a PIN number to the customer.Then the customer can perform the following activities by sending sms from his registered mobile:
1.Checking account balance
2.Obtaining a mini statement of his account
3.Payment of utility bill
4.Payment of bill against purchase of goods and services
5.Mobile top up
6.Fund transfer
7.Change PIN etc.
To do any of the above activities the customer needs to write a sms as per the syntax defined by the bank.For example,for checking account balance the customer may write "Bal 1234",where 1234 is hid PIN.Then he sends the sms to the short code of the bank,say 14214.This will first go to the mobile operators system which knows that the short code belongs to a bank.The mobile operator will send his sms along with the mobile number to the bank server.As the key word is bal,the bank server knows that the customer is looking for his account balance.System will find the corresponding account number ,extract the balance of the account from the database and sens a sms including account balance to the mobile of the customer.
1.Checking account balance
2.Obtaining a mini statement of his account
3.Payment of utility bill
4.Payment of bill against purchase of goods and services
5.Mobile top up
6.Fund transfer
7.Change PIN etc.
To do any of the above activities the customer needs to write a sms as per the syntax defined by the bank.For example,for checking account balance the customer may write "Bal 1234",where 1234 is hid PIN.Then he sends the sms to the short code of the bank,say 14214.This will first go to the mobile operators system which knows that the short code belongs to a bank.The mobile operator will send his sms along with the mobile number to the bank server.As the key word is bal,the bank server knows that the customer is looking for his account balance.System will find the corresponding account number ,extract the balance of the account from the database and sens a sms including account balance to the mobile of the customer.
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