Mobile banking, is the use of mobile communication network and terminal handling relevant business. As a combination of electronic currency with a new mobile communications services, mobile banking can not only make people at any time, anywhere, processing a variety of financial business, and have greatly enriched the connotation of service, so that Banks can with convenient, efficient and safe way of traditional and innovative service to the customers. Mobile banking is made up of mobile phone, GSM short message center and the banking system.In mobile banking operation process, the user through the menu on the SIM card after issuing commands to a bank, SIM card according to the user instructions specified format of message and encryption, and instruct mobile phone send text messages to the GSM network, GSM short message system after receiving text messages, according to the corresponding application or address to the corresponding bank system, bank of preprocessing, text format is converted to host the instruction system, bank host deal with the user's request, and the results back to the bank interface system, interface system will process the results into message format, message center to send text messages to the user. Mobile banking is one of the derivative products of Internet banking, it embodied in the advantages of convenience, customers no matter when and where all mobile phone bank,Timely deal, save the ATM machine and bank queuing time window.