1. Possible application with SMS

2. Banks Inform the customer whether their order (stock or currencies) is successful – E.g. Buy AUS$25000 at the exchange rate: AUS/HKG 4.85 – BUY 40,000 Share of HSBC Bank at $60 Send a second password to users’ mobile phones when they log in the Internet Bank a/c. Promotions (for new products)

3. Banks Remind clients – Keep enough money in their account for automatic payment For buying stocks – Maturity date of fixed deposit Inform client – When stock price / foreign currencies rate reach their target

4. Credit card company To identify transactions of fake Credit Cards: Send sms to clients when there is a transaction (if it is suspicious or the amount is large) Promotion (advertisement)

5. Schools Send sms to their parents if their sons/daughters are absent.

6. Hospital and Clinics Send reminder to client for their medical appointment