【正文】
我們不僅可以使用于銀行,而且在諸如商店和餐館等地提供這項(xiàng)服務(wù)。這些技術(shù)的一個(gè)范例是 Wi Fi無線標(biāo)準(zhǔn),甚至已在手機(jī)上實(shí)現(xiàn)最近。由于低速互聯(lián)網(wǎng)和互聯(lián)網(wǎng)的高速率移動(dòng)電話在發(fā)展中國(guó)家,如伊朗使用這項(xiàng)服務(wù)將有一個(gè)約高的速度,將不會(huì)產(chǎn)生任何費(fèi)用。此外,它不需要復(fù)雜的設(shè)備,我們可以通過這項(xiàng)服務(wù)的幫助或者通過自動(dòng)取款機(jī)( ATM)辦理 一些銀行業(yè)務(wù)。 9 ( 6)由于藍(lán)牙技術(shù)的加入這項(xiàng)服務(wù)的安全性高于因特網(wǎng)系統(tǒng)。 ( 2)我們?cè)诘却衽_(tái)服務(wù)的同時(shí)可以通過手機(jī)銀行辦理其他業(yè)務(wù)。 通過在銀行所開設(shè)的賬戶進(jìn)入銀行系統(tǒng)之后,銀行客戶就可以進(jìn)行與傳統(tǒng)銀行 業(yè)務(wù)相同的操作。這項(xiàng)服務(wù)可以提供電子銀行服務(wù),并配有藍(lán)牙。使用跳頻名義匯率為 1600HZ每秒。在工業(yè)中,科學(xué)和醫(yī)療( ISM)在 。該部分的詳情,將在后面的內(nèi)容中加以解釋。本文的研究旨在通過銀行領(lǐng)域內(nèi)的移動(dòng)手機(jī)銀行來進(jìn)一步擴(kuò)大和發(fā)展銀行業(yè)務(wù)。藍(lán)牙可以在同一時(shí)間連接 8個(gè)設(shè)備。但是在一些發(fā)展中國(guó)家,例如伊朗的手機(jī)銀行服務(wù), WAP因其較高的成本并沒有受到歡迎。 ( 3)應(yīng)用:當(dāng)有與賬戶有關(guān)的特殊交易時(shí),在這種服務(wù)類型的應(yīng)用程序向服務(wù)器發(fā)送有關(guān)帳戶或特殊交易。 當(dāng) 然,手機(jī)銀行也有不可回避的缺點(diǎn)。 ( 2)高使用率:移動(dòng)電話的高使用率使得手機(jī)銀行的推廣成為可能 ( 3)完全私有化:移動(dòng)電話的支配完全完全取決于它的使用者。 另一方面,近年來手機(jī)已經(jīng)得到廣泛的發(fā)展與應(yīng)用??蛻魝?cè)僖膊恍枰鎸?duì)忙碌擁擠的銀行柜面。 7 關(guān)鍵詞:手機(jī)銀行,無線通信,藍(lán)牙技術(shù)。而他們與一些銀行的其他活動(dòng)的內(nèi)部處理。在銀行周圍或是其中的客戶通過藍(lán)牙技術(shù)和銀行相連接,通過移動(dòng)電話銀行處理所需要解決的銀行業(yè)務(wù)。 uses spectrum in the GHz range to exchange data at broadband speeds. Therefore we can enhance the advantages of these systems through replacing bluetooth with these standards. We can use this service not only in banks but in other places such as shops and restaurants. The similar method can be used for taking exams and quizzes using mobile phones through bluetooth. 手機(jī)銀行 —— 金融領(lǐng)域的新業(yè)務(wù) 穆罕默德 和 計(jì)算機(jī)科學(xué)系,謝里夫理工大學(xué),德黑蘭,伊朗 (電話: +989122236349, E 郵箱: ) 亞茲德,計(jì)算機(jī)工程,亞茲德大學(xué),伊朗 (電話: +989123473403, E 郵箱: ) 摘要 手機(jī)銀行,作為電子銀行的一個(gè)新分支,在大多數(shù)國(guó)家廣受歡迎。 welfare and decrease of costs of banking services. Mobile banking is divided into mobile forwarding services and mobile banking services. Mobile banking services which are the same as normal banking services are divided into four types: 1 Notifications and Alerts: These services are presented for advising the customers of the transactions done or to be done concerning his account. 2 Information: The special pieces of information concerning transactions and the amount of money available in customer39。 expenses are decreased. In this system we don39。 Email: ) 2 Department of Computer Engineering, Yazd University, Yazd, Iran (Tel : +989123473403。 Email: ) Abstract Mobile banking (MBanking) has been weled in most of the countries as a new branch in electronicbanking (EBanking). In developing countries such as Iran mobile banking is limited to fields such as SMS due to lack of infrastructure and because of high costs. In this paper we present a method for developing banking services through mobile phone in the bank area. In our method a server which is capable to be connected through bluetooth is installed inthe bank and offered banking services. Customers inside the bank and also around the bank are connected to the bank system through bluetooth technology and handle their banking operations through their mobile phones. This way they won39。t have to be faced the problem of banks being closed at nonworking hours and we can handle banking affairs all the time. Therefore it saves the customers39。s account are sent at certain intervals. 3 3 Applications: In this type of services an application is sent to the server concerning the account or special transaction. 4 Transfer: Through this service banks can transfer amount of money between customer39。在發(fā)展中國(guó)家,例如伊朗 ,由于成本過高,缺乏基礎(chǔ)設(shè)施建設(shè),手機(jī)銀行僅限于電信運(yùn)營(yíng)商提供的短信服務(wù)的領(lǐng)域。這樣,他們將不用支付任何額