A PKI-Based Mobile Banking Demonstrator

This paper presents the implementation of a home banking solution for mobile phones, using a secure micro-SD card. This card is used to implement a strong online authentication with the bank server, based on a public key infrastructure, providing a flexible way to add entities --- users as well as banks --- to the ecosystem. The implemented system is running on Android mobile phones, taking into account the possible weaknesses at operating system level. The microSD card is running Java Card 2.2.1. Different security features are discussed that considerably improve upon existing mobile banking systems and allow for seamless integration of our system in the current smart phone context.