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. | Journal of Automation and Control Engineering, Vol. 1, No. 1, March 2013 Design and Implementation of Short Message Service (SMS) Banking System Nwankwo Prince .N. Department of Computer Engineering, Federal Polytechnic Oko, Anambra State, Nigeria. Email: princetechfoundation@ Orji Mary .N. Department of Computer Science, Federal Polytechnic Oko, Anambra State, Nigeria. Email: basorji@ Osuji Christopher .U Department of Elect. / Elect. Engineering, Federal Polytechnic Oko, Anambra State, Nigeria. ifuloveuche@ information about recent transaction made in the account (., deposit or withdrawal) via text message [1]. With the SMS banking system, individuals and corporate bodies can manage their bank accounts, check their account balances, deposit money into their accounts, recharge their mobile phone accounts, and perform money transfer and other banking transactions using their mobile phones / GSM. The type of remote banking system (banking done outside the banking hall) that is widespread as at the time of this research/project work is the Electronic Banking System (also popularly known as E-banking). Presently the use of electronic banking is growing and as more users sign up, remote banking also increases in terms of maturity. Electronic banking allows users to conveniently carry out banking transactions, but this convenience can not be achieved if the user does not have access to the internet. For instance, one cannot carry out a banking transaction while waiting for a bus or while having lunch in a restaurant. The limitation in electronic banking caused by inability to access the internet at wish, calls for a banking system that is more convenient. SMS banking system provides this convenience. A customer using SMS banking system can carry out bank transactions at any time of the day and anywhere provided there is mobile telephone network coverage. This is because a user has access to his mobile phone all day and at all .
