Development and Performance Evaluation of a Mobile Banking System based on the HBCI Standard
Authors: Herwono, Ian
Department of Communication Networks (ComNets), Faculty 6, RWTH Aachen University
Contact: publications@comnets.rwth-aachen.de
In Proc. of the Third International Conference on Telecommunications and Electronic Commerce, p.p. 49-58, Dallas, TX, USA, 2000.
Publication Date: Nov, 2000
On page(s):49-58
ISBN:
Abstract The introduction of Wireless Application Protocol (WAP) as the key technology to access the Internet from cellular phones opens new business opportunities for service and content providers. Among such Mobile Commerce (m-commerce) services, mobile banking (m-banking) service was rated as the top application demanded by more than 85 % of potential users in Europe. This paper presents a novel concept of mobile banking system which is based on the German home-banking standard HBCI. The concept considers the typical characteristics of cellular systems, such as limited bandwidth or user interface capability, while still being conform to the banking standard, e.g., regarding its security measures. A simulation system is developed to estimate the performance of the elaborated transaction protocols and employed cryptographic algorithms regarding their time behaviors. The performance of an example scenario for portfolio order transaction is estimated.
Author Keywords
DownloadBibtex
@INPROCEEDINGS{Her_ICTEC00,
AUTHOR = {Herwono, I.},
TITLE = {Development and Performance Evaluation of a Mobile Banking System based
on the HBCI Standard},
JOURNAL = {Proc. of the Third International Conference on Telecommunications and
Electronic Commerce},
YEAR = {2000},
MONTH = {Nov},
VOLUME = {0},
PAGES = {49-58},
ADDRESS = {Dallas, TX, USA},
AFFILIATION = {Department of Communication Networks (ComNets), Faculty 6, RWTH Aachen University},
ANNOTE = {Homebanking, Mobile Commerce, Mobile Banking, WAP, HBCI, Security,
Cryptography, Electronic Commerc},
URL = {https://www.comnets.rwth-aachen.de}
}