外文文献翻译手机银行金融领域的新业务Word下载.docx

外文文献翻译手机银行金融领域的新业务Word下载.docx

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班级金融秋季班

学生学号

学生姓名

指导教师

2012年

MobileBankingServicesintheBankArea

MohammadShirali-Shahreza1andM.HassanShirali-Shahreza2

1DepartmentofComputerScience,SharifUniversityofTechnology,Tehran,Iran

（Tel:

+98-912-2236349;

E-mail:

shirali@cs.sharif.edu）

2DepartmentofComputerEngineering,YazdUniversity,Yazd,Iran

+98-912-3473403;

hshirali@yazduni.ac.ir）

Abstract

Mobilebanking（M-Banking）hasbeenwelcomedinmostofthecountriesasanewbranchinelectronicbanking（E-Banking）.IndevelopingcountriessuchasIranmobilebankingislimitedtofieldssuchasSMSduetolackofinfrastructureandbecauseofhighcosts.Inthispaperwepresentamethodfordevelopingbankingservicesthroughmobilephoneinthebankarea.Inourmethodaserverwhichiscapabletobeconnectedthroughbluetoothisinstalledinthebankandofferedbankingservices.Customersinsidethebankandalsoaroundthebankareconnectedtothebanksystemthroughbluetoothtechnologyandhandletheirbankingoperationsthroughtheirmobilephones.Thiswaytheywon'

tpayanyadditionalcostandforexampletheycanhandleoperationswhiletheyareinsidetheircarparkednearthebank.Moreovertheycanhandlesomeoftheirotherbankingoperationsthroughtheirmobilephoneswhiletheyaredealingwithotheractivitiesinsidethebank.Thiswaytheycanusetheirtimeinanoptimalwayandthebankscanalsoavoidtherushhours.Sinceourmethodusingbluetooth,mostofmobilephonescanusethissystem.

Keywords:

MobileBanking（M-Banking）,WirelessCommunication,BluetoothTechnology.

1.Introduction

AfterInternetenteredintoourdailylife,mostofdimensionsofourlivessuchaseducation,communication,business,etc,wereovershadowedbythisnovelphenomenon.OneofthesedimensionsistohandlebankingaffairsthroughtheInternet（Figure1）.ByusingtheInternetwedon'

thavetogotothebankanditispossibleforustohandleourbankingoperationsanywhereandanytime.Furthermoretherearenotsuchdifficultiesasbusyandcrowdedbanks.Thereforethecustomerscansavetheirtime.Ontheotherhandthecustomers'

expensesaredecreased.Inthissystemwedon'

thavetobefacedtheproblemofbanksbeingclosedatnon-workinghoursandwecanhandlebankingaffairsallthetime.Thereforeitsavesthecustomers'

timeandmoney.

Ontheotherhandinrecentyearsmobilephoneshavebeendevelopedandwidelyused.Afterthemobilephoneshavegotsodevelopedandsophisticatedandhavebeenmodifiedtobecapableofnewservicesthebankstookintoconsiderationthepresentationofbankingservicesthroughmobilephones.Tomentionthereasonsofsuperiorityofm-banking（Mobile-Banking）overe-banking（Electronic-Banking）wecanpointtothefollowingitems[2,3]:

1-Noplacerestriction:

InM-bankingwecanhandleourbankingtransactionswhereverweareandwheneverwewant.2-Highpenetrationcoefficient:

Highcoefficientofmobile-phoneuseintheworldguarantees

probabilityofgrowthandsuccessformobilebankingservices.3-Fullypersonalized:

Mobilephonesarecompletelyprivateandareusedonlybyitsowner.Thereforeitincreasesauthenticityofidentificationofthepeoplewhousethebankingservices.4-Availability:

Mostpeoplecarrytheirmobilephoneswiththemwherevertheygowhetherindoorsoroutdoors.Asaresultitispossibletoofferbankingservicestocustomersallthetime.Ofcoursemobilebankinghassomedisadvantages;

too.Amongmostimportantitemsofthesedisadvantageswecanpointtolackofproperkeyboardformostmobilephones,smalldisplayanduncertaintyofusersaboutsecuritysystemofmobilebanking.Butasawholemobilebankinghasbeenwelcomedduetoincreaseofcustomers'

welfareanddecreaseofcostsofbankingservices.

Mobilebankingisdividedintomobileforwardingservicesandmobilebankingservices.Mobilebankingserviceswhicharethesameasnormalbankingservicesaredividedintofourtypes:

1-NotificationsandAlerts:

Theseservicesarepresentedforadvisingthecustomersofthetransactionsdoneortobedoneconcerninghisaccount.

2-Information:

Thespecialpiecesofinformationconcerningtransactionsandtheamountofmoneyavailableincustomer'

saccountaresentatcertainintervals.

3-Applications:

Inthistypeofservicesanapplicationissenttotheserverconcerningtheaccountorspecialtransaction.

4-Transfer:

Throughthisservicebankscantransferamountofmoneybetweencustomer'

saccountsorpayanamounttoathirdparty.

ToimplementmobilebankingwerequireaninfrastructureserversuchasWAP（WirelessApplicationProtocol）,i-mode,Palm.Net,etc.ForexchangeofinformationwiththecustomerwecanuseservicessuchasSMS（ShortMessagingService）orMMS（MultiMessagingService）[4].ButinsomedevelopingcountriessuchasIranserviceslikeWAPhavenotbeenwelcomedduetohighcosts.Suchdifficultiesandsuchotherproblemsaslow-speedInternetthroughmobilephoneandcontinuousdisconnectionthroughMobilephonehavecausedmobilebankingtobelimitedtosuchservicesasbankingthroughSMSinthesecountries.Bluetoothtechnologycanbebrieflydefinedasastandardofshort-waveradiofrequencyforwirelessconnectionofsuchdevicesasPocketPCs,mobilephones,anddesktopcomputers.Thistechnologyworkswith2.45GigaHertzfrequency（Figure2）andcoversascopeupto100-meterdistancewiththemaximumtransferspeedof3Mbitspersecond（inBluetooth2standard）.Bluetoothcanbeconnectedto8appliancesatthesametime[6].Primarilydesignedasacablereplacementtechnology,Bluetoothhasbecomeincreasinglypopularinmodernmobilephoneswithanestimated24millionBluetooth

enabledinusein2002[7].Currently,withmobilephonesitsmainuseisfortheconnectionofhands-freedevices（Figure3）andforsynchronizingwithdesktopcomputers.However,withenableddevicesnowdeployedonawidescale,thepotentialforlowcostmulti-userpersonalareanetworkspresentsitself[7].

Inthispaperamethodisproposedforexpansionanddevelopmentofbankingservicesthroughmobilephonesinsidebanksandinthebankarea.Maingoalinthismethodistoofferbankingservicesinbankareathroughmobilephonewithoutpayingforanycostsinordertodecreasetherushhoursandamountofbankingoperationsdonebythebankclerks.InthismethodbankcustomerscanbeconnectedtoserverinstalledinsidethebankthroughBluetoothtechnologyandtohandletheirbankingaffairsthroughtheirmobilephones.Thisserverwillbecapabletoofferbankingservicesthroughbluetoothtechnology.Detailsofthisprojectwillbedealtwithinthenextsection.

Inthirdsectionwewillpointtosomeadvantagesofthismethod.Infinalsectionwewillmakethefinalconclusion.

2.Thesuggestedidea

BluetoothisatechnologyenablinguserstocreateWirelessPersonal.AreaNetworks（WPANs）;

allowingarangeofdevicestocommunicateinalocalareawithoutwires.OperatingintheIndustrial,ScientificandMedical（ISM）bandat2.45GHz.ThemainadvantagesofBluetoothareitslowpowerandcost,anditsabilitytogivehighconnectionreliabilityinacrowdedareaofthespectrum.Bluetoothdevicesarecurrentlyavailableinthreepowerbandsandhaveamaximumrangefrom10mto100m.Tominimizeanyinterference,Bluetoothdevicesuse79channelswithintheISMband,occupying1MHzeach.Frequencyhoppingisused,withanominalrateof1600hopspersecond.Bluetoothsupportsupto3synchronousvoicechannelsat64kb/seachwayandasynchronousdataatupto723.2kb/sasymmetricor433.9kb/ssymmetric[7].Mostimportantadvantagesofthistechnologyareitswirelesscharacteristic,lowcostsanditsbeingautomatic.Inoursuggestedmethodacomputerisinstalledasaserverinsidethebank.Thisservicecanofferm-bankingservicesandisequippedwithbluetooth.Byhelpofthistechnologytheservercanbeconnectedwithotherdevicesequippedwithbluetoothlyingin100-meterscope.Sincebluetoothradiowavescanpassthroughthewallstoo,theservercanbeconnectedtootherdevicesequippedwiththebluetoothoutsidethebankandrenderthebankingservices.CustomerswhosemobilephonessupportBluetoothtechnologycanbeconnectedtotheserverthroughbluetoothinsideandoutsidethebankandintheareawhichisunderthecoveroftheserveriftheyhavealreadysubscribedforusingm-bankingservicesandhaveauseraccount.Afterenteringintothebanksystemthroughtheiruseraccountsthecustomerscanhandletheirbankingaffairsthroughmobilephonesinthesamewayastheydothenormalservicesofm-banking.Duetolow-speedinternetandhigh-costofinternetformobilephonesinsuchdevelopingcountriesasIran,usingthisserviceisalmostfastanddoesnotincuranycost.Ofcoursewemustpointoutthatapplicationsofthesetwoservices（mobilebankingandpresentationofbankingservicesthroughmobileinbankarea）aredifferentanditisnotadvisabletocompareandcontrastthesetwoservices.

3.Advantages

Someimportantfeaturesofourmethodareasfollow:

1.Wecanhandleourbankingoperationswhilewearesittinginourcarthroughmobilephonewithouthavingtogointothebank.2.Wecandoourotherbankingoperationsthroughthisservicewhilewearewaitingforourturnbeforeacounter.3.Duetousingbluetoothtechnology,itispossibletoofferm-bankingservicestoseveralpeople（inaccordancewiththenumberofservers）throughmobilephone.4.Todaymobilephonesarewidelyusedbypeopleallthetimeandmostofmobilephonesareequippedwithbluetoothtechnology.Asaresultthisservicecancoverawiderangeofbankcustome