【正文】 Protocol), imode, , etc. For exchange of information with the customer we can use services such as SMS (Short Messaging Service) or MMS (Multi Messaging Service) [4]. But in some developing countries such as Iran services like WAP have not been weled due to high costs. Suchdifficulties and such other problems as lowspeed Inter through mobile phone and continuous disconnection through Mobile phone have caused mobile banking to be limited to such services as banking through SMS in these countries. Bluetooth technology can be briefly defined as a standard of shortwave radio frequency for wireless connection of such devices as Pocket PCs, mobile phones, and desktop puters. This technology works with Giga Hertz frequency (Figure 2) and covers a scope up to 100meter distance with the maximum transfer speed of 3 Mbits per second (in Bluetooth 2 standard). Bluetooth can be connected to 8 appliances at the same time [6]. Primarily designed as a cable replacement technology, Bluetooth has bee increasingly popular in modern mobile phones with an estimated 24 million Bluetooth enabled in use in 2021 [7].Currently, with mobile phones its main use is for the connection of handsfree devices (Figure 3) and for synchronizing with desktop puters. However, with enabled devices now deployed on a wide scale, the potential for low cost multiuser personal area workspresents itself [7]. In this paper a method is proposed for expansion and development of banking services through mobile phones inside banks and in the bank area. Main goal in this method is to offer banking services in bank area through mobile phone without paying for any costs in order to decrease the rush hours and amount of banking operations done by the bank clerks. In this method bank customers can be connected to server installed inside the bank through Bluetooth technology and to handle their banking affairs through their mobile phones. This server will be capable to offer banking services through bluetooth technology. Details of this project will be dealt with in the next section. 4 In third section we will point to some advantages of this method. In final section we will make the final conclusion. 2. The suggested idea Bluetooth is a technology enabling users to create Wireless Personal. Area Networks (WPANs)。本文研究旨在通過手機銀行在銀行領域發(fā)展銀行服務業(yè)務。例如將車停在銀行附近的停車場里處理相關的銀行業(yè)務。而銀行也可以避免高峰期。而其影響之一便是可以通過互聯(lián)網來處理銀行相關業(yè)務。在這個系統(tǒng)中，我們可以隨時隨地的處理銀行業(yè)務而不必限制在八小時的工作時間。手機銀行在電子銀行業(yè)務當中具有以下幾大優(yōu)勢： （ 1）沒有地域限制。 （ 4）可用性：無論身在何處，大多數人會隨身攜帶他們的移動電話。但是由于手機銀行為用戶帶來了方便，為銀行降低了成本，所以手機銀行依然被大家所歡迎。 當然，為了實現(xiàn)手機銀行，我們需要一個如 WAP（無線應用協(xié)議）和服 wu器等基礎設施。 藍牙技術可以被簡單的定義為短波無線電頻率，從而作為 掌上電腦，手機，和臺式電腦等設備的無線連接標準。 8 目前，移動電話的主要用途是用于免提裝置連接以 及與臺式電腦同步。 在此方法銀行客戶可以通過藍牙技術與銀行內部服務器相連接，并通過他們的移動電話處理銀行事務。在最后一節(jié)，我們將作出最后的結論。藍牙設備目前在三個頻帶的可用功率和最大射程有 10米到 100米。 這項技術的最重要的優(yōu)勢是它的無線特性，低成本和全自動性。由于藍牙無線電波可以穿過墻壁通，所以服務器也同樣可以連接到銀行以外的其他設備和藍牙技術對其提供銀行服務。當然，我們必須指出，這兩個服務的應用（移動銀行服務的銀行和通過移動銀行方面介紹）是不同的，所以針對它們比較和對比這兩項服務是不可取的。 （ 4）目前手機被人們廣泛應用，而且多數手機都配備有藍牙技術，所以手機銀行業(yè)務可以被大范圍推廣。當然，正如我們前面提到的，因為這兩個系統(tǒng)的差異性所以不宜進行對比。 （ 8）即使銀行被關閉，我們也可以使用這個服務來處理一些銀行事務。該系統(tǒng)不僅降低訪問該銀行內部還可以減少處理有關事務的檢查和檢查我們的賬戶余額，減輕這些設備的一 些問題，訪問自動取款機（自動取款機）。使用的寬帶速度在 GHz的頻譜范圍內進行數據交換。