The Design And Implementation Of Mobile Phone Bank System

’Mobile phone banking’, also known as ’mobile banking’, is to connect electronic currency with mobile communication, so people can manage banking related business by using mobile phones. It links clients’ mobile devices with bank’s financial system through wireless communication network of mobile communication operator; it is a service system, which completes various kinds of financial planning businesses through mobile phone interface. It is personal mobile financial service terminal which can be taken along used anytime, anywhere; it is a much easier and quicker way of banking service after ATM andinternet banking. The development and application of mobile banking system satisfied customers reduced costs and increased efficiency. For highly competitive modern banking industry, mobile banking is the product of competition.This article analyses the source and the background of mobile banking system and the current research& design status at home and abroad; briefly states the design scheme of research and development of the system, including the aim and significance of development system, the requirements implementing the technical proposal, main problems need to be solved for system implementation etc.; it emphasis on the design principle, the framework, the function module of the system and the design of security structure. Mobile banking system adopts system integration B/S and C/S composite architecture that electronic banking system currently used maturely and stably. Reuses basic software and hardware including existing network, firewall, host computer and storage etc. of current internet banking. It supports mobile devices of Apple Inc IOS system and Android system at present, customers can use mobile banking system with device through 3G Network or access to wifi. This system implements function modules such as logging in, query, transfer and credit cards etc.Customers experience those three features by using mobile banking system:1、more convenient. Mobile banking is a simplified version of internet banking with powerful functions. It can be carried anytime, anywhere; it is easy for micropayment, so it is way easier than internet banking.2、more popular. With universal use of smartphones, mobile banking would be accepted by the majority of mobile phone users.3、more potential. As mobile banking appears, people not only dealing with a variety of financial business any time any place, but also enriched service levels, so it creates more profit for the bank.