pocketATM

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The m-BankATM application provides mobile phone users with the ability to perform secure banking transactions from their mobile phone. This is principally a business to person (B2P) application. With the progression of banking applications from the initial dial-in banking through to Internet banking, this application provides a range of functions, including a potential for a cash back option utilising barcode technology.

m-BankATM lets mobile phone users perform all of the functions associated with an ATM, with the benefit of some Internet banking capabilities. Using any java compliant mobile phone, bank customers can execute all banking transitions directly on their mobile phone in a secure environment.

m-BankATM can be downloaded from the relevant web site through the mobile phone's application menu. The installation takes a matter of seconds through any mobile GPRS network

Once the application is installed, users are able to perform their own banking enquiries. The list of available functions can be customised to suit the specific banks own requirements. An example of the functionality that can be provided is: -

Balance Enquiry
Cash back
Virtual Credit/ Debit Card
Funds Transfer
Mini Statement
Mobile Top-Up
Cheque book request
Secure encrypted messaging

The customer selects the relevant function;
The customer enters the last four digits of the account number;
Then a PIN/Registration number is entered;
m-BankATM encrypts the request and connects to a banking web service. Once the response to the request is complete, the web service passes back the relevant details in an Encrypted packet using AES encryption and MD5 digests;
The message is decrypted using the PIN/Registration number and displayed on the phone;