• The system runs based on SMPP protocol OR can run through a GSM Modem connected to a serial port.
• Supports UNICODE characters
• 24 hours and 365 days auto-reception and auto-processing of SMS messages based on the SMS text
• Java and XML based enterprise-level solution, also includes a Messaging Queue Server
• Database and OS Independent
• Can be customized easily to suit and work in any banking environment
• Customers information and transaction can be fetched from a XML/.TXT or through a Replicated Database format.

Functional Description

1. A program is invoked, whenever an SMS is delivered from the GSM modem. It gets the senders mobile number and the message and enters the same along with the TIMESTAMP to the database.
2. Another module, which runs continuously, reads the messages and calls various functions according to the message received. These functions handshakes with the banking system and get the require information from Core banking system.
3. Received Message is BAL (sort code+account#>, the current Balance of the given account will be sent back.
4. Received message is STMT (sort code+account#> then last six transaction of the given account will be sent back.
5. Received message is Tel, the telephone inquiry no will be sent back
6. Received message is chqstop (sort code+chq#> given cheque will be stopped and successful message will be sent back
7. Received message is chqstatus (sort code chq#> the cheque current status will be sent back to the recipient
8. Unrecognized messages will send a help command.