Design And Implementation Of Mobile Banking Services Based On ULC2Platform

With wide application of the mobile phone, more and more functions of mobilephone are developed. Mobile banking services give a huge improvement for efficiencyof interaction between banks and customers and a decreasing cost for services. So largenumber of operators and manufactures focus on it, which has become a research hotspot.In this dissertation, mobile banking services are researched and implemented based onthe combination of SIM application Tool Kit (STK), Short Message Service (SMS) andOver The Air (OTA).Firstly, the conception, national and international development background ofmobile phone banking is introduced. Secondly, hardware and software architectures andthe message processing mechanism of the Infineon ULC2platform, STK related SIMcard files and commands are presented. Thirdly, the user requirements of mobilebanking system are analyzed, and a network topology structure is proposed, which isbased on STK technique and can effectively achieve the synchronization of businessinformation of the menu between user and banking server. In addition, an overallfunctional design of mobile banking system is proposed. Fourthly, the specific design ofmobile phone banking based on mobile terminal is proposed, STK card and mobileterminal are modeled respectively. Using SMS7-bit encoding technology, PBOCdistributed key algorithm and3DES encryption algorithm, interactive processesbetween STK card and mobile terminal are designed. Fifthly, mobile banking is verifiedbased on ULC2platform, the results show that the proposal can effectively realizechecking account balance, transferring funds, is simple in operation and is high insecurity. Finally, the whole dissertation is concluded and further work is proposed.