An USSD Mobile Banking Solution Based on OCS

This paper describes a mobile banking implementation scheme. The main advantage of this scheme is that it provides users with a convenient, fast, safe and reliable banking implementation method by using the USSD service of the telecommunication network and the mobile terminal. And adopt the multiple authentication of mobile phone user password, ID number and bank card number under the framework of OCS, use HSM hardware encryption technology to encrypt and transmit the password, and realize the high security of this business; this mobile banking business solution provides rich Colorful business functions, support common bank card business, and credit card business, and support direct recharge for mobile phone accounts. It provides functions such as bank account balance inquiry, password modification, transfer and payment, mobile phone account recharge, credit card information inquiry and repayment, etc. The functions are extremely rich and diverse. The advantage lies in the convenient access without the need to install any client or app, which is safer and more reliable. The business functions can be customized and launched quickly, which can help operators seize the first-mover advantage in business functions.