The Global Service for Mobile communications with the greatest worldwide number of users. The SMS
messaging has some extra security vulnerabilities due to its store-and forward feature, and the problem of fake
SMS that can be conducted via the Internet . When a user is roaming, the SMS content passes through
different networks and perhaps the Internet that exposes it to various vulnerabilities and attacks. Another concern
is arisen when an adversary gets access to the phone and reads the previous unprotected messages. To exploit the
popularity of SMS as a serious business bearer protocol, it is necessary to enhance its functionalities to offer the
secured transaction capability. SMS is a part of GSM networks that allows the alphanumeric message up to 160
characters to be sent and received via the network operator’s SMS center to the mobile subscribers . If the
subscriber is not reachable, then SMS are stored in the GSM operator’s SMS center and delivered when it is
reachable. The existing SMS is the transmission of just plaintext. It can be easily read by the intruder or even the
persons of the operator. Therefore, it is not secured enough for M-commerce or mobile banking . SMS plays
a very vital role in the mobile banking or M-Commercial purpose because of its simplicity and cheapness.
Upcoming payment systems are based on the mobile device by using SMS. But there is some security issues
related to services of SMS for such M-Commerce or mobile banking. The service includes :