pplicationProtocol),i-mode,Palm.Net,etc.ForexchangeofinformationwiththecustomerwecanuseservicessuchasSMS(ShortMessagingService)orMMS(MultiMessagingService)[].ButinsomedevelopingcountriessuchasIranserviceslikeWAPhavenotbeenwelcomedduetohighcosts.Suchdifficultiesandsuchotherproblemsaslow-speedInternetthroughmobilephoneandcontinuousdisconnectionthroughMobilephonehavecausedmobilebankingtobelimitedtosuifiedtobecapableofnewservicesthebankstookintoconsiderationthepresentationofbankingservicesthroughmobilephones.Tomentionthereasonsofsuperiorityofm-banking(Mobile-Banking)overe-banking(Electronic-Banking)wecanpointtothefollowingitems[,]:-Noplacerestriction:InM-bankingwecanhandleourbankingtransactionswhereverweareandwheneverwewant.-Highpenetrationcoefficient:Highcoefficientofmobile-phoneuseintheworldguaranteesprobabilityofgrowthandsuccessformobilebankingservices.-Fullypersonalized:Mobilephonesarecompletelyprivateandareusedonlybyitsowner.Thereforeitincreasesauthenticityofidentificationofthepeoplewhousethebankingservices.-Availability:Mostpeoplecarrytheirmobilephoneswiththemwherevertheygowhetherindoorsoroutdoors.Asaresultitispossibletoofferbankingservicestocustomersallthetime.Ofcoursemobilebankinghassomedisadvantages；too.Amongmostimportantitemsofthesedisadvantageswecanpointtolackofproperkeyboardformostmobilephones,smalldisplayanduncertaintyofusersaboutsecuritysystemofmobilebanking.Butasawholemobilebankinghasbeenwelcomedduetoincreaseofcustomers'welfareanddecreaseofcostsofbankingservices.Mobilebankingisdividedintomobileforwardingservicesandmobilebankingservices.Mobilebankingserviceswhicharethesameasnormalbankingservicesaredividedintofourtypes:-NotificationsandAlerts:Theseservicesarepresentedforadvisingthecustomersofthetransactionsdoneortobedoneconcerninghisaccount.-Information:Thespecialpiecesofinformationconcerningtransactionsandtheamountofmoneyavailableincustomer'saccountaresentatcertainintervals.-Applications:Inthistypeofservicesanapplicationissenttotheserverconcerningtheaccountorspecialtransaction.-Transfer:Throughthisservicebankscantransferamountofmoneybetweencustomer'saccountsorpayanamounttoathirdparty.ToimplementmobilebankingwerequireaninfrastructureserversuchasWAP(WirelessApplicationProtocol),i-mode,Palm.Net,etc.ForexchangeofinformationwiththecustomerwecanuseservicessuchasSMS(ShortMessagingService)orMMS(MultiMessagingService)[].ButinsomedevelopingcountriessuchasIranserviceslikeWAPhavenotbeenwelcomedduetohighcosts.Suchdifficultiesandsuchotherproblemsaslow-speedInternetthroughmobilephoneandcontinuousdisconnectionthroughMobilephonehavecausedmobilebankingtobelimitedtosu手机持续很长时间不能联网等问题都大大影响到了手机银行业务在发展中国家使用效果。蓝牙技术可以被简单定义为短波无线电频率，从而作为掌上电脑，手机，和台式电脑等设备无线连接标准。这种技术与.千兆赫兹频率涵盖范围可达米距离和每秒兆位最大传输速度。蓝牙可以在同一时间连接个设备。蓝牙作为电线替代技术而设计，现今已成功普及在移动电话功能当中，估计年在使用蓝牙有约万。目前，移动电话主要用途是用于免提装置连接以及与台式电脑同步。然而，现在启用大规模部署设备，使得潜在低成本多用户个人区域网络可以更好发展。本文研究旨在通过银行领域内移动手机银行来进一步扩大和发展银行业务。通过这种方法，银行可以不花任何成本为用户办理业务，分散了高峰期银行职员所要负担高业务量。在此方法银行客户可以通过蓝牙技术与银行内部服务器相连接，并通过他们移动电话处理银行事务。此服务器能够通过蓝牙技术提供银行服务。该部分详情，将在后面内容中加以解释。在第三部分中，我们将指向该方法一些优点。在最后一节，我们将作出最后结论。．建议蓝牙是一种使用户能够创建无线个人区域网络（WPAN）技术，在此范围内设备可以跳过电线通信局域网。在工业中，科学和医疗（ISM）在.GHz频段。蓝牙技术主要优点是它低功耗和成本，并有能力在拥挤区域给予高频谱连接从而确保连接可靠性。蓝牙设备目前在三个频带可用功率和最大射程有米到米。为了尽量减少干扰，蓝牙设备使用在ISM频段个频道，每个占地兆赫。使用跳频名义汇率为HZ每秒。在蓝牙支持高达KB同步语音通道/s速度高达.kb/s或.kb/s。这项技术最重要优势是它无线特性，低成本和全自动性。我们建议方法是在银行内安装一台计算机作为服务器。这项服务可以提供电子银行服务，并配有蓝牙。通过这个服务器，可以与米范围内蓝牙其他设备连接。由于蓝牙无线电波可以穿过墙壁通，所以服务器也同样可以连接到银行以外其他设备和蓝牙技术对其提供银行服务。只要客户拥有有效账户，同时他手机支持蓝牙技术就可以通过蓝牙连接到服务器内部和银行外部覆盖中地区来进行业务办理。通过在银行所开设账户进入银行系统之后，银行客户就可以进行与传统银行业务相同操作。由于低速互联网和高成本手机互联网限制，在伊朗这样发展中国家，使用这项服务非常快，而且不产生任何费用。当然，我们必须指出，这两个服务应用（移动银行服务银行和通过移动银行方面介绍）是不同，所以针对它们比较和对比这两项服务是不可取。．优势本文研究方法所具有优势如下：（）我们无需进入银行，甚至在自己车里便可以办理银行相关业务。（）我们在等待柜台服务同时可以通过手机银行办理其他业务。（）由于使用蓝牙技术，我们可以通过移动电话同时对数人提供电子银行服务（与服务器数量为准）。（）目前手机被人们广泛应用，而且多数手机都配备有蓝牙技术，所以手机银行业务可以被大范围推广。（）不仅是手机，还有其他诸如掌上电脑，PDA和笔记本电脑无线设备也能够在蓝牙技术帮助使用这项服务。（）由于蓝牙技术加入这项服务安全性高于因特网系统。蓝牙范围只有米，所以它比SMS或其他服务更安全。当然，正如我们前面提到，因为这两个系统差异性所以不宜进行对比。（）使用这项服务不会带来任何费用。此外，它不需要复杂设备，我们可以通过这项服务帮助或者通过自动取款机（ATM）办理一些银行业务。因此，银行将避免在他们自动提款机大排长龙。（）即使银行被关闭，我们也可以使用这个服务来处理一些银行事务。．结论本文提出了利用蓝牙技术提供帮助银行服务，通过在银行领域移动电话，以减少对银行内部访问，并避免在银行上班时间方法。由于低速互联网和互联网高速率移动电话在发展中国家，如伊朗使用这项服务将有一个约高速度，将不会产生任何费用。由于移动电话广泛增长这一系统可以覆盖广泛用户。该系统不仅降低访问该银行内部还可以减少处理有关事务检查和检查我们账户余额，减轻这些设备一些问题，访问自动取款机（自动取款机）。发展是远远比蓝牙快，可以覆盖更大范围。这些技术一个范例是Wi-Fi无线标准，甚至已在手机上实现最近。Wi-Fi是一个有限范围无线网络协议对标准.系列为基础；使用宽带速度在.GHz频谱范围内进行数据交换。因此，我们可以通过加强与这些标准蓝牙取代这些系统优点。我们不仅可以使用于银行，而且在诸如商店和餐馆等地提供这项服务。同样方法可以用来参加考试和测验使用通过蓝牙手机。ifiedtobecapableofnewservicesthebankstookintocosiderationthepresentationofbankingservicesthroughmobilephones.Tomentionthereasonsofsuperiorityofm-banking(Mobile-Banking)overe-banking(Electronic-Banking)wecanpointtothefollowingitems[,]:-Noplacerestriction:InM-bankingwecanhandleourbankingtransactionswhereverweareandwheneverwewant.-Highpenetrationcoefficient:Highcoefficientofmobile-phoneuseintheworld毕业设计（论文）英文翻译题目专业金融学班级金融秋季班学生学号学生姓名指导教师年MobileBankingServicesintheBankAreaMohammadShirali-ShahrezaandM.HassanShirali-ShahrezaDepartmentofComputerScience,SharifUniversityofTechnology,Tehran,Iran(Tel:+--；E-mail:shirali@cs.sharif.edu)DepartmentofComputerEngineering,YazdUniversity,Yazd,Iran(Tel:+--；E-mail:hshirali@yazduni.ac.ir)AbstractMobilebanking(M-Banking)hasbeenwelcomedinmostofthecountriesasanewbranchinelectronicbanking(E-Banking).IndevelopingcountriessuchasIranmobilebankingislimitedtofieldssuchasSMSduetolackofinfrastructureandbecauseofhighcosts.Inthispaperwepresentamethodfordevelopingbankingservicesthroughmobilephoneinthebankarea.Inourmethodaserverwhichiscapabletobeconnectedthroughbluetoothisinstalledinthebankandofferedbankingservices.Customersinsidethebankandalsoaroundthebankareconnectedtothebanksystemthroughbluetoothtechnologyandhandletheirbankingoperationsthroughtheirmobilephones.Thiswaytheywon'tpayanyadditionalcostandforexampletheycanhandleoperationswhiletheyareinsidetheircarparkednearthebank.Moreovertheycanhandlesomeoftheirotherbankingoperationsthroughtheirmobilephoneswhiletheyaredealingwithotheractivitiesinsidethebank.Thiswaytheycanusetheirtimeinanoptimalwayandthebankscanalsoavoidtherushhours.Sinceourmethodusingbluetooth,mostofmobilephonescanusethissystem.Keywords:MobileBanking(M-Banking),WirelessCommunication,BluetoothTechnology..IntroductionAfterInternetenteredintoourdailylife,mostofdimensionsofourlivessuchaseducation,communication,business,etc,wereovershadowedbythisnovelphenomenon.OneofthesedimensionsistohandlebankingaffairsthroughtheInternet(Figure).ByusingtheInternetwedon'thavetogotothebankanditispossibleforustohandleourbankingoperationsanywhereandanytime.Furthermoretherearenotsuchdifficultiesasbusyandcrowdedbanks.Thereforethecustomerscansavetheirtime.Ontheotherhandthecustomers'expensesaredecreased.Inthissystemwedon'thavetobefacedtheproblemofbanksbeingclosedatnon-workinghoursandwecanhandlebankingaffairsallthetime.Thereforeitsavesthecustomers'timeandmoney.Ontheotherhandinrecentyearsmobilephoneshavebeendevelopedandwidelyused.Afterthemobilephoneshavegotsodevelopedandsophisticatedandhavebeenmodifiedtobecapableofnewservicesthebankstookintoconsiderationthepresentationofbankingservicesthroughmobilephones.Tomentionthereasonsofsuperiorityofm-banking(Mobile-Banking)overe-banking(Electronic-Banking)wecanpointtothefollowingitems[,]:-Noplacerestriction:InM-bankingwecanhandleourbankingtransactionswhereverweareandwheneverwewant.-Highpenetrationcoefficient:Highcoefficientofmobile-phoneuseintheworldguaranteesprobabilityofgrowthandsuccessformobilebankingservices.-Fullypersonalized:Mobilephonesarecompletelyprivateandareusedonlybyitsowner.Thereforeitincreasesauthenticityofidentificationofthepeoplewhousethebankingservices.-Availability:Mostpeoplecarrytheirmobilephoneswiththemwherevertheygowhetherindoorsoroutdoors.Asaresultitispossibletoofferbankingservicestocustomersallthetime.Ofcoursemobilebankinghassomedisadvantages；too.Amongmostimportantitemsofthesedisadvantageswecanpointtolackofproperkeyboardformostmobilephones,smalldisplayanduncertaintyofusersaboutsecuritysystemofmobilebanking.Butasawholemobilebankinghasbeenwelcomedduetoincreaseofcustomers'welfareanddecreaseofcostsofbankingservices.Mobilebankingisdividedintomobileforwardingservicesandmobilebankingservices.Mobilebankingserviceswhicharethesameasnormalbankingservicesaredividedintofourtypes:-NotificationsandAlerts:Theseservicesarepresentedforadvisingthecustomersofthetransactionsdoneortobedoneconcerninghisaccount.-Information:Thespecialpiecesofinformationconcerningtransactionsandtheamountofmoneyavailableincustomer'saccountaresentatcertainintervals.-Applications:Inthistypeofservicesanapplicationis        毕业设计（论文）英文翻译题目专业金融学班级金融秋季班学生学号学生姓名指导教师2012年1MobileBankingServicesintheBankAreaMohammadShirali-Shahreza1andM.HassanShirali-Shahreza21DepartmentofComputerScience,SharifUniversityofTechnology,Tehran,Iran(Tel:+98-912-2236349；E-mail:shirali@cs.sharif.edu)2DepartmentofComputerEngineering,YazdUniversity,Yazd,Iran(Tel:+98-912-3473403；E-mail:hshirali@yazduni.

文档预览结束

找同类相似 下载到手机