Security Enhancement Protocol in SMS-Banking using Digital Watermarking Technique

Banking service is a part and parcel in the reformist human society. Due to the proliferation of communication tech- nology, instead of conventional paper based banking system, sms-banking and m-banking are getting immense popularity. However, regardless of nature of transactions, maintaining security is a major concern in this sector. In this paper, a short message service (SMS) based m-banking protocol under GSM technology is presented. In view of ensuring a high level of security during client authentication and data transmission, in the proposed SMS-banking scheme, a digital watermarking technique is introduced. The proposed scheme, because of wide- spread use of cellular phones, offers an ease of implementation in conjunction with a high level of security.