Abstract—This paper presents the design and implementation of Short Message Service (SMS) banking system. SMS banking is a technology – enabled service offered by banks to its customers, permitting them to operate banking services over their mobile phones using SMS messaging. The system was designs to eliminate the problems associated with other baking systems like queuing up to; check account balance, recharge mobile phone, obtain basic information regarding one’s account, etc. To solve these problems, the project made use of a computer system running on visual basic (6.0) and General Packet Radio Service (GPRS) as its main components to develop a new technology in baking system that allows one to request and receive information to his / her mobile phone via Short Message Service (SMS), carry other baking activities“remotely” without being present at the bank. After the design, the system was used to carry out some transactions like; account balance enquiry, fund deposit / transfer, mobile phone recharge and the performance was satisfactory. At the end one can say that the (SMS) baking system is a wonderful breakthrough in banking industry developed to eliminate the inconvenience associated with other banking systems.

Index Terms—automatic teller machine (ATM), electronic Banking (E-banking), general packet radio service (GPRS), global system mobile (GSM), short message service (SMS).

Cite: Nwankwo Prince .N, Orji Mary .N, and Osuji Christopher .U, "Design and Implementation of Short Message Service (SMS) Banking System," Journal of Automation and Control Engineering ,  ,, Vol.1, No.1,   pp. 55-59,  January 2013. doi: 10.12720/joace.1.1.55-59