【正文】 供銀行服務。 手機銀行業(yè)務可以分為售前服務和售后服務兩部分，相似于傳統(tǒng)的柜臺業(yè)務，手機銀行業(yè)務可以分為以下四部分： （ 1）賬戶通知與提醒：這項服務主要針對用戶賬戶業(yè)務的提醒， （ 2）余額查詢：定時發(fā)送用戶賬戶相關的交易信息和資金量。通過使用互聯(lián)網(wǎng)，我們不必去銀行便能夠隨時隨地處理銀行業(yè)務。 allowing a range of devices to municate in a local area without wires. Operating in the Industrial, Scientific and Medical (ISM) band at . The main advantages of Bluetooth are its low power and cost, and its ability to give high connection reliability in a crowded area of the spectrum. Bluetooth devices are currently available in three power bands and have a maximum range from 10m to 100m. To minimize any interference, Bluetooth devices use 79 channels within the ISM band, occupying 1 MHz each. Frequency hopping is used, with a nominal rate of 1600 hops per second. Bluetooth supports up to 3 synchronous voice channels at 64kb/s each way and asynchronous data at up to kb/s asymmetric or kb/s symmetric [7]. Most important advantages of this technology are its wireless characteristic, low costs and its being automatic. In our suggested method a puter is installed as aserver inside the bank. This service can offer mbanking services and is equipped with bluetooth. By help of this technology the server can be connected with other devices equipped with bluetooth lying in 100meter scope. Since bluetooth radio waves can pass through the walls too, the server can be connected to other devices equipped with the bluetooth outside the bank and render the banking services. Customers whose mobile phones support Bluetooth technology can be connected to the server through bluetooth inside and outside the bank and in the area which is under the cover of the server if they have already subscribed for using mbanking services and have a user account. After entering into the bank system through their user accounts the customers can handle their banking affairs through mobile phones in the same way as they do the normal services of mbanking. Due to lowspeed inter and highcost of inter for mobile phones in such developing countries as Iran, using this service is almost fast and does not incur any cost. Of course we must point out that applications of these two services (mobile banking and presentation of banking services through mobile in bank area) are different and it is not advisable to pare and contrast these two services. 5 3. Advantages Some important features of our method are as follow: 1. We can handle our banking operations while we are sitting in our car through mobile phone without having to go into the bank. 2. We can do our other banking operations through this service while we are waiting for our turn before a . Due to using bluetooth technology, it is possible to offer mbanking services to several people (in accordance with the number of servers) through mobile phone. 4. Today mobile phones are widely used by people all the time and most of mobile phones are equipped with bluetooth technology. As a result this service can cover a wide range of bank customers. 5. Not only mobile phones but also other wireless devices such as Pocket PCs, PDAs, and laptops are also capable to use this service by help of bluetooth technology. 6. Security of this service is highe