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SMS Banking
From: "M.D.Mufambisi" <mufambisi () gmail com>
Date: Thu, 4 Feb 2010 18:20:22 +0200

Hi All,

Im designing an SMS baking application but i need to research on the
security risks involved first. Im thinking of subscribing mobile phone
number along with a pin. eg Number 222-222-222 PIN 20029. So when the
individual wants to enquire his balance, he sends a text messgae like
Bal 20029 i.e. BAL PINNUMBER. The control here is that the sms and pin
has to come from the subscribed number and only that number. I also
want to be able to allow subscribers to tranfer funds to pre
determined service providers such as utility companies etc.
What are the risks around this application? How are such applications
normally subverted? Are there any case studies someone can point me
to? What are the various authentication methods as i appreciate mine
can not be the best?

Your help will be most appreciated.


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