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Secured Mobile Banking System with an Efficient

Bandwidth and Prevent the Delay Time
Hamdan O. Alanazi, Prof. Dr. Patrice Boursier 

Abstract--In the past, the banks used to do the banking manually and there were very long queue with low services for the
customers. In this age of technology and with the fast growth of local mobile customers, more banks are actively competing for a
larger slice of the mobile banking business. Banks which have Internet banking services are looking to further improve this
relatively new service while the smaller ones are beginning to look at it more seriously. In this paper, the secured mobile banking
system has been proposed to avoid the delay and to get high bandwidth and to do the banking flexibly and safely.
 
Index Terms— Mobile Banking, Bandwidth, Delay Time, and Mobility Problems.
 
——————————      —————————— 
industry globally. An impact of information
technology in the banking sector is the introduction
of mobile banking. Earlier studies have shown the
1. INTRODUCTION usefulness of mobile banking in facilitating the
The evolution of science world has moved from financial transactions between banks and their
stagnation to speed on everything, and the urgent customers [1],[2]. However, these earlier studies on
need for a computer in all aspects of life led today mobile banking and factors influencing its usage
to change our life. Life now looking for have produced mixed results. In [1] found
sophistication over all starting from the small things perceived usefulness to be less significant in
reach to the big things, every thing in our life explaining the adoption of mobile financial services.
become electronic, mail it became Email, bank it On the other hand [2], concluded that perceived
became Ebank, in general life it became elife. With usefulness to be a significant factor in mobile
this development in science and these changes in banking. Also, in [3] he found risk to be a very
life made lot difficulties because the security significant factor in adopting mobile banking. Due
issue[5],[6],[7],[8],[9],[10],[11],Nowadays[12][13][14] to these differences, research on mobile banking
[15][16][17][18][19][20][21],these applications which remains inconclusive and needs further
are classified as security applications for very investigation.
important to human life [22][23][24][25][26][27]. on
the other side make life easier, our job is reduce this 2. MOBILE BANKING BACKGROUND
difficulties and make life more easy. Nowadays
every one talk about ebank and mbank actually
both of them represent emoney or (transactions The first mobile banking and payment initiatives
with out cash). In this paper , the auther will focus were announced during 2003 (the same year that
on the mobile banking, as the auther mansion in the Fundament deployed their first prototype). The first
proposal there are lot of problems in this major deployment was made by a company called
technology since it new technology, the auther Pay box (largely supported financially by Deutsche
classify this problems to economic problems and Bank). The company was founded by two young
technical problems, in the proposed system the German’s (Mathias Entemann and Eckart Ortwein)
auther try to solve the technical problems (related to and successfully deployed the solution in Germany,
computer) by using a command method to reduce Austria, Sweden, Spain and the UK. At about 2003
this problems. Today, the advancement of mobile more than a million people were registered on Pay
technologies has provided an opportunity for box and the company was rated by Gartner as the
financial providers in Introducing new financial leader in the field [4]. Unfortunately Deutsche Bank
innovations. One of the emerging financial withdraws their financial support and the company
innovations introduced by financial providers is had to reorganise quickly. All but the operations in
mobile banking. The rapid development of Austria closed down. Today, there are huge
information technology has affected the banking researches in this area on the other hand whenever

 
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have developing system; weaknesses came again.
We found a study on the current area with a static
value, from this study the auther came out with an
idea based on the problems.
3. PROBLEM BACKGROUND
Mobile banking, which uses mobile devices for self-
service functions? Several major banks, including
Citibank, Wachovia, and Bank of America, have
launched mobile applications that will allow
customers to view their account balances, pay bills,
transfer money, and even call customer service reps
with one click -- all using a cell phone or smart
phone. Contact less payment, which enables cell
phones to be used as payment devices instead of
credit cards. As a separate effort, top credit card
issuers MasterCard and Visa are paving the way for
"contact less" payments, where cell phones serve as
electronic wallets for purchases that can be made at
CVS, McDonald's, and many other retailers. The
phones use Near Field Communication, or NFC, a
wireless technology for short-range
communications between electronic devices. Mobile
marketing, which includes things such as loyalty
programs, ads, and electronic coupons? MasterCard
plans to offer rewards and special offers via text
messages that customers can redeem when they
visit stores, as an incentive for using its mobile
services. Similarly, Visa will provide customers
with electronic coupons on their cell phones as part
of its payment-related services. Other companies
have similar mobile marketing efforts under way.
"Banks are scrambling today to get customers to
sign up for their services," says Richard Crone, of
Crone Consulting. There were 236 million U.S.
wireless subscribers at the end of 2006 and their
data revenue totaled $4.8 billion in the fourth
quarter, according to research firm IDC. With
increased usage of data services, banks see this as
the right time to introduce their mobile apps. What
the banks and the wireless carriers have yet to
figure out is how to get consumers to actually use
mobile banking and their cell phones as payment
devices. Solving the challenge will require a lot of
industry collaboration, and a lot of trial and error,
of course.. Are you interested in mobile banking or
using your cell phone as a wallet?
4. PROBLEM STATEMENT
28 
Since this technology is new over the world, we
find serious Problems fact.
4.1 FINANCIAL TRANSACTIONS PROBLEMS
In the statistical case study the auther have noted
that: Technical problems (encryption, different
standards of devices/configuration problems,
interface problems/ complexity, display/ GUI
problems) 12 Bank of the 24 bank sample of the
study. Usability (Speed of data transfer, display
size, WAP navigation) 12 Bank of the 24 bank
sample of the study. Risk of acceptance 13 Bank of
the 24 bank sample of the study. Delay of
technological development (standardization, digital
signatures, UMTS, lack of an overall standard) 6
Bank of the 24 bank sample of the study. Cost risks
6 Bank of the 24 bank sample of the study. No
profound analysis of costs and benefits, no market
analysis, no risk analysis 6 Bank of the 24 bank
sample of the study. High costs for users
(particularly with UMTS (Universal Mobile
Telecommunications System) in the future) 4 Bank
of the 24 bank sample of the study. Start with a
narrow scope of features due to risks, service not
attractive, 4 Bank of the 24 bank sample of the
study. Restrictions of SMS (content) 1 Bank of the 24
bank sample of the study. Outsourcing problems 1
Bank of the 24 bank sample of the study. Finally, the
time-consuming maintenance 1 Bank of the 24 bank
sample of the study. Add to these problems the
mobility issues and the bandwidth and the security
issues and so many think which is need to make a
huge research to come out with a system which
minimize these problems. I can classify the
problems and weaknesses in to tow type.
4.2 COMPUTER PROBLEMS
1-1 network problems (technical problems)
(bandwidth, mobility) 1-2 security problems (risks,
attackers).
4.3 ECONOMIC PROBLEMS
The proposed system will solve at least problems
which related to software, network security and
other related problems. The idea is not that gigantic
and also it’s not an imposable, it’s a merge between
methods; which is already implemented. However
these methods are certified by specialists also it
proofed its cost affect; where. The auther try to
make it affective and efficient with lower cost,
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finally such technologies need to use new modern addition make a trust between the user and the
devices which might help to get the proposed bank.
results.

5. OBJECTIVE OF STUDY
8. SYSTEM INFRASTRUCTURE
This includes:
An overview over the system starting with the
environment, my plan for this system to work with
a. To study the different types of using mobile
GSM and 2G, 3G as wall once you click on the
agent in our life.
application in your mobile you may login by insert
b. To design and implement m-bank system which your username and your password as show as in fig
solve the security issues and not affecting on 1:
the bandwidth.

c. To find the solution for delay by using a low

bandwidth in the proposed system so that
minimize the mobility problem.

d. To test the proposed system to not be able to

attacked.

6. SYSTEM DESCRIPTION
Through the previously study, the auther find that
most of the problems in the previously mentioned
focus in to two things:
1. User should be trust on the system (security
problems) since it related to the money.
2. Technology problems like delay.
7. PROPOSED SOLUTIONS
Fig 1. Shown the login Interface.
Your mobile send a request to the main bank, the
server in the main bank verify your username and
your password as shown as in the fig 2, after that
the main bank send back the ID and the password
of the nearest branch to your area as shown as in
the fig 3, and then the branch verify this ID and
password, once it have been verified you get. A
new page in your mobile as shown as in fig 4. And
then browse your account as shown as in fig 5

Proposed system solutions is divided into two

types,

1. Distribution users on the banks branches not

with the main Bank only, there is more than one
way to distribute users to bank branches, such as:
The distribution depending on where they are
registering, and here it possible to get problems,
first Users variation volume with each branch
which is need different type of servers for each
branch depend on the number of users, second
distribution of users depend on the current
geographic area which is the most commend
solution.

2. Come with a good way for checking Fig 2. Shown The Main bank Verify your Username
authentication and make a high level of security this
and password

 
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This interface look like the ATM machine, as we see
it's easy to be friendly with this UI as shown in the
fig 6.

Fig 3. Shown that Your mobile may login automatically to

this branch after the previous login. Fig 6. Shown the interface look Like the ATM
Machine

If you have a mobile with a touch screen only what

you need is to click on the function you want to use.
If your mobile is normal one than use the number
beside the function. For example you want to reload
your hand phone, press 4 there is other interfaces
ask you to insert the number you want to have a
reload for it as shown as in fig 7.

Fig 4. Shown the branch verify this ID and password, once it

have been verified you get

Fig 7 Shown the Chooser Interface from the Previous interface

which shown in the fig 6.

Once you insert the number and confirm with yes,

next step will be the confirmation with your
fingerprint, if is match than the server send you
back a report for this transaction. Note: in sated of
fingerprint chick there are two different methods:

1. Chick the scanned fingerprint in the mobile

phone and send yes or no to the bank to confirm the
Fig 5. Shown the mapping for Browse Your Account transaction.

 
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2. Scan the fingerprint and send it to the server to
chick there.
The most common is the first one since it doesn't
require a lot of process and it's more secure than
send the fingerprint to the bank server (secure of
the fingerprint it self from stalling ).
9. Evaluation of the Proposed System.
Strength points in this part the auther will looking
for the system, possibility for implementation, also
if the auther implement it, would it be familiar with
us, let we say it's not that easy to be familiar with it,
Do you thing we can get the desired results To
answer all these questions the auther make a look
over the system and its interface, functions, First to
implement this system ,so the auther needed
between week and two week , since the auther have
most of codes on the internet like the ATM code
and fingerprint matching code. Second the auther
think it will be easy to be familiar within the system
in one week since most of interface design to be
easy to use. Third If the system right the main
objectives on the solutions proposed, the auther can
say that a successful. The system should have a
high level of security like a fingerprint matching
also easy to use, and access to the stage of
confidence that make us users of this system. The
auther found only one weakness in this system, this
system require a type of mobile support the
fingerprint its mean that there is a limited people
use this system. The use of fingerprints in this
system is a weak point in terms of financial, but do
not forget that when city bank used the fingerprint
in their dealings, the number of users of this system
increase for next two years.
CONCLUSION
Mobile banking is moving up on the adoption
curve, which is evident in the number of
implementations known in the world and the level
of interest and discussion around the technology
and its implementation. It is also evident in the
number of technology providers emerging in the
mobile banking space. There are several choices
when considering how to implement mobile
banking. These choices include whether or not to
develop the technology within the bank, use a
shared infrastructure, or purchase the enabling
technology from one of many vendors. The choices
also include various mobile bearer channels, suited
to differing market segments and differing
31 
capabilities of consumers handsets. Each of the
bearer channels has unique requirements in
provisioning and securing applications, transactions
and consumer data. The selected implementation
option including bearer channel, vendor and value
proposition, should be driven by consumer
adoption of the technology, technical capability of
the handsets in the target market, affordability of
the bearer channel, and the consumers ease of
accessing the service. In a nutshell, the system
which has been presented makes the mobile
banking very flexible and at the same time very
secured. In addition, the bandwidth is increased by
prevent the delay time.
ACKNOWLEDGEMENT
This research was partially supported by the King
Saud University, Riyadh, Saudi Arabia, the
University of Malaya, Kuala Lumpur, Malaysia and
“Al-Madinah International University”, Shah Alam,
Malaysia. First and foremost I would like to thank
“ALLAH” (SWT), most gracious and most merciful.
I would like to thank Prof. Dr. Patrice Boursier for
his continue support, encouragement and valuable
discussions during my research work. I also would
like to express the deepest appreciation to Professor
Abdullah Ben Abdul-Rahman Abdullah Al-
Othman, Dr. Ali ibn Sulaiman Al-Attiyah and Prof.
Dr. Mohammad Khalifa Al-Tamimi. My thanks are
also extended to Dr. Ali bin Abdullah Alafnan, Dr.
Abdullah Alsbail, Dr. Muhammed Al Arifi, Dr.
Musaed AL-Jrrah, and Mr. Abdullah Alsbait.
Dr.Khalid Alhazmi, Mr. Seraj, Mr. Khalid and all
the staff in the King Saud University especially in
Applied Medical Science for their unlimited
support. Without their notes and suggestions this
research would not have appeared. Finally, I would
like to express my sincere gratitude to my family for
their help and their unconditional support. A very
special vote of thanks is due to my beloved mother.
AUTHOR’S PROFILE
HAMDAN ALANAZI: He has
obtained his bachelor’s degree
from the King Saud University,
Riyadh, Kingdom of Saudi
Arabia. He worked as a lecturer
at the Health College in the
Ministry of Health in Saudi Arabia, and then
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worked as a lecturer at the King Saud University.
Currently, he is a Master’s candidate at the Faculty
of Computer Science & Information Technology at
the University of Malaya in Kuala Lumpur,
Malaysia. He has published many articles. He is has
been reviewed in many journals. His research
interests are in Cryptography, Steganography,
Digital Watermarking, Network Security, Artificial
Intelligence, pattern recognitions, signal processing
and image processing and Medical Applications.
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