1、PDF外文：http:/ 计（ 论 文） 英文翻译 题 目 专 业 金 融 学 班
2、; 级 2010 金融秋季班 学生学号 1061001257556 学生姓名 崔航 指导教师 高建霞 &
3、nbsp; 2012 年 1 Mobile Banking Services in the Bank Area Mohammad Shirali-Shahreza1 and M. Hassan Shirali-Shahreza2 1 Department of Computer Science, Sharif University of Technology, Tehran, Iran (Tel : +
4、98-912-2236349； E-mail: shiralics.sharif.edu) 2 Department of Computer Engineering, Yazd University, Yazd, Iran (Tel : +98-912-3473403； E-mail: hshiraliyazduni.ac.ir) Abstract Mobile banking (M-Banking) has been welcomed in most of the countries as a new branch in electronicbanking (E-Banking)
5、. 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 conne
6、cted 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 won't pay any additional co
7、st and for example they can handle operations while they are inside their car parked near the bank. Moreover they can handle some of their other banking operations through their mobile phones while they are dealing with other activities inside the bank. This way they can use their time in an optimal
8、 way and the banks can alsoavoid the rush hours. Since our method using bluetooth, most of mobile phones can use this system. Keywords: Mobile Banking (M-Banking), Wireless Communication, Bluetooth Technology. 1. Introduction After Internet entered into our daily life, most of dimensions of our live
9、s such as education,communication, business, etc, were overshadowed by this novel phenomenon. One of these dimensions is to handle banking affairs through the Internet (Figure 1).By using the Internet we don't have to go to the bank and it is possible for us to handle our banking operations anyw
10、here and anytime. Furthermore there are not such difficulties as busy and crowded banks. Therefore the customers can save their time. On the other hand the customers' expenses are decreased. In this system we don't have to be faced the 2 problem of banks being closed at non-working hou
11、rs and we can handle banking affairs all the time. Therefore it saves the customers' time and money. On the other hand in recent years mobile phones have been developed and widely used. After the mobile phones have got so developed and sophisticated and have been modified to be capable of new se
12、rvices the banks took into consideration the presentation of banking services through mobile phones. To mention the reasons of superiority of m-banking (Mobile-Banking) over e-banking (Electronic-Banking) we can point to the following items 2, 3:1- No place restriction: In M-banking we can handle ou
13、r banking transactions wherever we are and whenever we want.2- High penetration coefficient: High coefficient of mobile-phone use in the world guarantees probability of growth and success for mobile banking services.3- Fully personalized: Mobile phones are completely private and are used only by its
14、 owner. Therefore it increases authenticity of identification of the people who use the banking services. 4- Availability: Most people carry their mobile phones with them wherever they go whether indoors or outdoors. As a result it is possible to offer banking services to customers all the time. Of
15、course mobile banking has some disadvantages； too. Among most important items of these disadvantages we can point to lack of proper keyboard for most mobile phones, small display and uncertainty of users about security system of mobile banking. But as a whole mobile banking has been welcomed due to
16、increase of customers' 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 s
17、ervices 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 customer's account are sent at certain intervals. 3- Applications: In thi
18、s 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 customer's accounts or pay an amount to a third party. To implement mobile banking we require an infrastructure server such as WAP (Wireless Application Protocol), i-mode, Palm.Net, 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
