1、 1 Bluetooth Technology used in Mobile Banking Abstract Mobile banking (M-Banking) has been welcomed in most of the countries as a new branch in electronicbanking (E-Banking). In developing countries such as Iran mobile banking is limited to fields such as SMS due to lack of infrastructure and becau
2、se 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 ban
3、k are connected to the bank system through bluetooth technology and handle their banking operations through their mobile phones. This way they wont pay any additional cost and for example they can handle operations while they are inside their car parked near the bank. Moreover they can handle some o
4、f 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 way and the banks can alsoavoid the rush hours. Since our method using bluetooth, most of mobile phones can use this system. Keywo
5、rds: Mobile Banking (M-Banking), Wireless Communication, Bluetooth Technology. 1. Introduction After Internet entered into our daily life, most of dimensions of our lives such as education,communication, business, etc, were overshadowed by this novel phenomenon. One of these dimensions is to handle
6、banking affairs through the Internet (Figure 1).By using the Internet we dont have to go to the bank and it is possible for us to handle our banking operations anywhere and anytime. Furthermore there are not such difficulties as busy and crowded banks. Therefore the customers can save their time. On
7、 the other hand the customers expenses are decreased. In this system we dont have to be faced the problem of banks being closed at non-working hours 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 b
8、een developed and widely 2 used. After the mobile phones have got so developed and sophisticated and have been modified to be capable of new services the banks took into consideration the presentation of banking services through mobile phones. To mention the reasons of superiority of m-banking (Mobi
9、le-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 our banking transactions wherever we are and whenever we want.2- High penetration coefficient: High coefficient of mobile-phone use in the world guarantees pro
10、bability of growth and success for mobile banking services.3- Fully personalized: Mobile phones are completely private and are used only by its owner. Therefore it increases authenticity of identification of the people who use the banking services. 4- Availability: Most people carry their mobile pho
11、nes 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 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
12、phones, small display and uncertainty of users about security system of mobile banking. But as a whole mobile banking has been welcomed due to increase of customers welfare and decrease of costs of banking services. Mobile banking is divided into mobile forwarding services and mobile banking service
13、s. 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
14、concerning transactions and the amount of money available in customers account are sent at certain intervals. 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 m
15、oney between customers 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 Servic
16、e) or MMS (Multi Messaging Service) . But in some developing countries such as Iran services like WAP have not been welcomed due to high costs. Suchdifficulties and 3 such other problems as low-speed Internet through mobile phone and continuous disconnection through Mobile phone have caused mobile b
17、anking to be limited to such services as banking through SMS in these countries. Bluetooth technology can be briefly defined as a standard of short-wave radio frequency for wireless connection of such devices as Pocket PCs, mobile phones, and desktop computers. This technology works with 2.45 Giga H
18、ertz frequency (Figure 2) and covers a scope up to 100-meter 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 . Primarily designed as a cable replacement technology, Bluetooth has become increasingly
19、 popular in modern mobile phones with an estimated 24 million Bluetooth enabled in use in 2002 .Currently, with mobile phones its main use is for the connection of hands-free devices (Figure 3) and for synchronizing with desktop computers. However, with enabled devices now deployed on a wide scale,
20、the potential for low cost multi-user personal area networkspresents itself . 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 mobil
21、e 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
22、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. 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 Blue
23、tooth is a technology enabling users to create Wireless Personal. Area Networks (WPANs)； allowing a range of devices to communicate in a local area without wires. Operating in the Industrial, Scientific and Medical (ISM) band at 2.45GHz. The main advantages of Bluetooth are its low power and cost, a
24、nd 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
