OfficeLine GSM allows to execute e-banking and similar services based on communication via SMS messages.
Using OfficeLine GSM, it is possible to provide clients with all standard services. When used in banking, the services can include providing general information (such as an exchange list), or private information (account balances, account statements, etc.), or entering banking operations (such as a payment order, establishing a time deposit, etc.).
OfficeLine GSM offers clients the opportunity to quickly enter a required operation or find the needed information with no need to use a specialized device, from virtually anywhere. Therefore, the module can be used, for instance, for the implementation of an e-banking service available to the widest clientele, suitable especially for retail and medium-sized clients.
Integration with Other Modules
OfficeLine GSM can be advantageously used for extending the range of services accessible through other modules. For instance, web pages (the OfficeLine WWW module) can allow clients to configure information and notification sending (like when the account balance changes, etc.) to their mobile phone.
When connected with the OfficeLine Simulator module, clients can take advantage of term deposit modelling or other financial product modelling.

Principle of OfficeLine GSM Module Operation

Clients enter SMS messages in a predefined structure; maintaining the structure will ensure the proper interpretation of the message during its processing. OfficeLine GSM ensures:
  Checking the SMS message sent by the client and delivering it to further processing.

  Sending a reply to the client's request, or any other information, as an SMS message to the client's mobile phone.
The type of message is identified with a prefix (a letter or abbreviation indicating the type of message) at its beginning. The items in a message are identified by their position (however, a prefix can be used in some cases) and are generally separated from one another with a cross. The selection of prefixes, separators, and the order of items is based on the owner's requirements.
Users do not have to use the full account numbers when entering a message; instead, they can use a user-defined abbreviation, which makes entering requests much easier.
Example of an SMS message: Request for establishing a time deposit
T#3#50000#12#897249342
  "T" is the prefix identifying the type of message Request for establishing a time deposit,

  "3" is a user-defined abbreviation identifying the client's account,

  "50000" is the amount in the currency of the account,

  "12" means this is a deposit for a period of 12 months,

  "897249342" is the message authentication code (MAC) generated by the token.

Available Security Features

The possibility of intercepting sent SMS messages is highly aggravated by the characteristics of the GSM technology. In addition, the security of provided services is ensured by the authentification of the message sender (client), or also by the verification of message integrity.
Elements that can be used to secure the provided services:
  Safety password for the authentication of the client (message sender).

  Token for the authentication of the client (message sender) and to ensure the integrity of the message being sent.

  Transaction limits (maximum permitted amounts).