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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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
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