Enhanced security model for mobile banking systems in Tanzania
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Date
2013
Journal Title
Journal ISSN
Volume Title
Publisher
International journal of technology enhancements and emerging engineering research
Abstract
In mobile banking schemes; financial services are availed and banking services are provided using mobile devices. GSM services are
greatly utilized for data transmission by the technologies used in conducting mobile transactions. In their operations; these technologies send data in
plaintext. Financial service providers tend to rely on the security services provided by the GSM which has been proved to be susceptible to cryptanalytic
attacks. The used algorithms for crypto mechanisms are flawed leaving data carried through the network vulnerable upon interception. Operators need
to take precaution by enforcing some protective measures on the information to be transmitted. This paper describes an SMS based model designed
with security features to enhance data protection across mobile networks. Features for data encryption, integrity, secure entry of security details on the
phone, and improved security policies in the application server are incorporated. We address issues of data confidentiality, user authentication and
message integrity in order to provide end-to-end security of data carried on GSM networks.
Description
Journal Article
Keywords
Cryptography, Data Integrity, GSM, Message Confidentiality, Mobile Banking, Security, User Authentication