金融 外文 英文 毕业设计论文 文献翻译 交行陕西省分行手机银行业务发展对策研究

毕业设计（论文）英文翻译MOBILEBANKINGSERVICESINTHEBANKAREAMOHAMMADSHIRALISHAHREZA1ANDMHASSANSHIRALISHAHREZA21DEPARTMENTOFCOMPUTERSCIENCE,SHARIFUNIVERSITYOFTECHNOLOGY,TEHRAN,IRANTEL989122236349EMAILSHIRALICSSHARIFEDU2DEPARTMENTOFCOMPUTERENGINEERING,YAZDUNIVERSITY,YAZD,IRANTEL989123473403EMAILHSHIRALIYAZDUNIACIRABSTRACTMOBILEBANKINGMBANKINGHASBEENWELCOMEDINMOSTOFTHECOUNTRIESASANEWBRANCHINELECTRONICBANKINGEBANKINGINDEVELOPINGCOUNTRIESSUCHASIRANMOBILEBANKINGISLIMITEDTOFIELDSSUCHASSMSDUETOLACKOFINFRASTRUCTUREANDBECAUSEOFHIGHCOSTSINTHISPAPERWEPRESENTAMETHODFORDEVELOPINGBANKINGSERVICESTHROUGHMOBILEPHONEINTHEBANKAREAINOURMETHODASERVERWHICHISCAPABLETOBECONNECTEDTHROUGHBLUETOOTHISINSTALLEDINTHEBANKANDOFFEREDBANKINGSERVICESCUSTOMERSINSIDETHEBANKANDALSOAROUNDTHEBANKARECONNECTEDTOTHEBANKSYSTEMTHROUGHBLUETOOTHTECHNOLOGYANDHANDLETHEIRBANKINGOPERATIONSTHROUGHTHEIRMOBILEPHONESTHISWAYTHEYWONTPAYANYADDITIONALCOSTANDFOREXAMPLETHEYCANHANDLEOPERATIONSWHILETHEYAREINSIDETHEIRCARPARKEDNEARTHEBANKMOREOVERTHEYCANHANDLESOMEOFTHEIROTHERBANKINGOPERATIONSTHROUGHTHEIRMOBILEPHONESWHILETHEYAREDEALINGWITHOTHERACTIVITIESINSIDETHEBANKTHISWAYTHEYCANUSETHEIRTIMEINANOPTIMALWAYANDTHEBANKSCANALSOAVOIDTHERUSHHOURSSINCEOURMETHODUSINGBLUETOOTH,MOSTOFMOBILEPHONESCANUSETHISSYSTEMKEYWORDSMOBILEBANKINGMBANKING,WIRELESSCOMMUNICATION,BLUETOOTHTECHNOLOGY1INTRODUCTIONAFTERINTERNETENTEREDINTOOURDAILYLIFE,MOSTOFDIMENSIONSOFOURLIVESSUCHASEDUCATION,COMMUNICATION,BUSINESS,ETC,WEREOVERSHADOWEDBYTHISNOVELPHENOMENONONEOFTHESEDIMENSIONSISTOHANDLEBANKINGAFFAIRSTHROUGHTHEINTERNETFIGURE1BYUSINGTHEINTERNETWEDONTHAVETOGOTOTHEBANKANDITISPOSSIBLEFORUSTOHANDLEOURBANKINGOPERATIONSANYWHEREANDANYTIMEFURTHERMORETHEREARENOTSUCHDIFFICULTIESASBUSYANDCROWDEDBANKSTHEREFORETHECUSTOMERSCANSAVETHEIRTIMEONTHEOTHERHANDTHECUSTOMERSEXPENSESAREDECREASEDINTHISSYSTEMWEDONTHAVETOBEFACEDTHEPROBLEMOFBANKSBEINGCLOSEDATNONWORKINGHOURSANDWECANHANDLEBANKINGAFFAIRSALLTHETIMETHEREFOREITSAVESTHECUSTOMERSTIMEANDMONEYONTHEOTHERHANDINRECENTYEARSMOBILEPHONESHAVEBEENDEVELOPEDANDWIDELYUSEDAFTERTHEMOBILEPHONESHAVEGOTSODEVELOPEDANDSOPHISTICATEDANDHAVEBEENMODIFIEDTOBECAPABLEOFNEWSERVICESTHEBANKSTOOKINTOCONSIDERATIONTHEPRESENTATIONOFBANKINGSERVICESTHROUGHMOBILEPHONESTOMENTIONTHEREASONSOFSUPERIORITYOFMBANKINGMOBILEBANKINGOVEREBANKINGELECTRONICBANKINGWECANPOINTTOTHEFOLLOWINGITEMS2,31NOPLACERESTRICTIONINMBANKINGWECANHANDLEOURBANKINGTRANSACTIONSWHEREVERWEAREANDWHENEVERWEWANT2HIGHPENETRATIONCOEFFICIENTHIGHCOEFFICIENTOFMOBILEPHONEUSEINTHEWORLDGUARANTEESPROBABILITYOFGROWTHANDSUCCESSFORMOBILEBANKINGSERVICES3FULLYPERSONALIZEDMOBILEPHONESARECOMPLETELYPRIVATEANDAREUSEDONLYBYITSOWNERTHEREFOREITINCREASESAUTHENTICITYOFIDENTIFICATIONOFTHEPEOPLEWHOUSETHEBANKINGSERVICES4AVAILABILITYMOSTPEOPLECARRYTHEIRMOBILEPHONESWITHTHEMWHEREVERTHEYGOWHETHERINDOORSOROUTDOORSASARESULTITISPOSSIBLETOOFFERBANKINGSERVICESTOCUSTOMERSALLTHETIMEOFCOURSEMOBILEBANKINGHASSOMEDISADVANTAGESTOOAMONGMOSTIMPORTANTITEMSOFTHESEDISADVANTAGESWECANPOINTTOLACKOFPROPERKEYBOARDFORMOSTMOBILEPHONES,SMALLDISPLAYANDUNCERTAINTYOFUSERSABOUTSECURITYSYSTEMOFMOBILEBANKINGBUTASAWHOLEMOBILEBANKINGHASBEENWELCOMEDDUETOINCREASEOFCUSTOMERSWELFAREANDDECREASEOFCOSTSOFBANKINGSERVICESMOBILEBANKINGISDIVIDEDINTOMOBILEFORWARDINGSERVICESANDMOBILEBANKINGSERVICESMOBILEBANKINGSERVICESWHICHARETHESAMEASNORMALBANKINGSERVICESAREDIVIDEDINTOFOURTYPES1NOTIFICATIONSANDALERTSTHESESERVICESAREPRESENTEDFORADVISINGTHECUSTOMERSOFTHETRANSACTIONSDONEORTOBEDONECONCERNINGHISACCOUNT2INFORMATIONTHESPECIALPIECESOFINFORMATIONCONCERNINGTRANSACTIONSANDTHEAMOUNTOFMONEYAVAILABLEINCUSTOMERSACCOUNTARESENTATCERTAININTERVALS3APPLICATIONSINTHISTYPEOFSERVICESANAPPLICATIONISSENTTOTHESERVERCONCERNINGTHEACCOUNTORSPECIALTRANSACTION4TRANSFERTHROUGHTHISSERVICEBANKSCANTRANSFERAMOUNTOFMONEYBETWEENCUSTOMERSACCOUNTSORPAYANAMOUNTTOATHIRDPARTYTOIMPLEMENTMOBILEBANKINGWEREQUIREANINFRASTRUCTURESERVERSUCHASWAPWIRELESSAPPLICATIONPROTOCOL,IMODE,PALMNET,ETCFOREXCHANGEOFINFORMATIONWITHTHECUSTOMERWECANUSESERVICESSUCHASSMSSHORTMESSAGINGSERVICEORMMSMULTIMESSAGINGSERVICE4BUTINSOMEDEVELOPINGCOUNTRIESSUCHASIRANSERVICESLIKEWAPHAVENOTBEENWELCOMEDDUETOHIGHCOSTSSUCHDIFFICULTIESANDSUCHOTHERPROBLEMSASLOWSPEEDINTERNETTHROUGHMOBILEPHONEANDCONTINUOUSDISCONNECTIONTHROUGHMOBILEPHONEHAVECAUSEDMOBILEBANKINGTOBELIMITEDTOSUCHSERVICESASBANKINGTHROUGHSMSINTHESECOUNTRIESBLUETOOTHTECHNOLOGYCANBEBRIEFLYDEFINEDASASTANDARDOFSHORTWAVERADIOFREQUENCYFORWIRELESSCONNECTIONOFSUCHDEVICESASPOCKETPCS,MOBILEPHONES,ANDDESKTOPCOMPUTERSTHISTECHNOLOGYWORKSWITH245GIGAHERTZFREQUENCYFIGURE2ANDCOVERSASCOPEUPTO100METERDISTANCEWITHTHEMAXIMUMTRANSFERSPEEDOF3MBITSPERSECONDINBLUETOOTH2STANDARDBLUETOOTHCANBECONNECTEDTO8APPLIANCESATTHESAMETIME6PRIMARILYDESIGNEDASACABLEREPLACEMENTTECHNOLOGY,BLUETOOTHHASBECOMEINCREASINGLYPOPULARINMODERNMOBILEPHONESWITHANESTIMATED24MILLIONBLUETOOTHENABLEDINUSEIN20027CURRENTLY,WITHMOBILEPHONESITSMAINUSEISFORTHECONNECTIONOFHANDSFREEDEVICESFIGURE3ANDFORSYNCHRONIZINGWITHDESKTOPCOMPUTERSHOWEVER,WITHENABLEDDEVICESNOWDEPLOYEDONAWIDESCALE,THEPOTENTIALFORLOWCOSTMULTIUSERPERSONALAREANETWOR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INOTHERPLACESSUCHASSHOPSANDRESTAURANTSTHESIMILARMETHODCANBEUSEDFORTAKINGEXAMSANDQUIZZESUSINGMOBILEPHONESTHROUGHBLUETOOTH手机银行金融领域的新业务穆罕默德和M哈桑计算机科学系，谢里夫理工大学，德黑兰，伊朗（电话989122236349，E邮箱SHIRALICSSHARIFEDU）亚兹德，计算机工程，亚兹德大学，伊朗（电话989123473403，E邮箱HSHIRALIYAZDUNIACIR）摘要手机银行，作为电子银行的一个新分支，在大多数国家广受欢迎。在发展中国家，例如伊朗，由于成本过高，缺乏基础设施建设，手机银行仅限于电信运营商提供的短信服务的领域。本文研究旨在通过手机银行在银行领域发展银行服务业务。我们使用的方法是通过在银行当中安装可以以蓝牙相连接的服务器用以提供银行服务。在银行周围或是其中的客户通过蓝牙技术和银行相连接，通过移动电话银行处理所需要解决的银行业务。这样，他们将不用支付任何额外费用。例如将车停在银行附近的停车场里处理相关的银行业务。此外，在银行内部处理业务的同时也可以通过他们的移动电话处理一些其他银行业务。而他们与一些银行的其他活动的内部处理。这样他们就能以最佳方式使用他们的时间。而银行也可以避免高峰期。而我们所使用的是大多数手机都可以适用的蓝牙技术。关键词手机银行，无线通信，蓝牙技术。1介绍当互联网进入我们的日常生活中，教育，通讯，商业，生活等多方面都被其所覆盖。而其影响之一便是可以通过互联网来处理银行相关业务。通过使用互联网，我们不必去银行便能够随时随地处理银行业务。客户们再也不需要面对忙碌拥挤的银行柜面。客户在节省宝贵时间的同时也节约了业务费用。在这个系统中，我们可以随时随地的处理银行业务而不必限制在八小时的工作时间。因此，节省了客户的时间和金钱。另一方面，近年来手机已经得到广泛的发展与应用。经过对手机进行先进的开发与利用，银行已经考虑通过先进的手机技术来为银行来提出更多的服务。手机银行在电子银行业务当中具有以下几大优势（1）没有地域限制。通过手机银行，我们可以在任何时候处理交易。（2）高使用率移动电话的高使用率使得手机银行的推广成为可能（3）完全私有化移动电话的支配完全完全取决于它的使用者。因此大大提高了手机银行的安全性。（4）可用性无论身在何处，大多数人会随身携带他们的移动电话。因此银行可以在任何时间为客户提供银行服务。当然，手机银行也有不可回避的缺点。而在这些缺当中，最为重要的便是缺乏适当大小的键盘，显示屏过小以及移动银行系统用户安全的不确定性。但是由于手机银行为用户带来了方便，为银行降低了成本，所以手机银行依然被大家所欢迎。手机银行业务可以分为售前服务和售后服务两部分，相似于传统的柜台业务，手机银行业务可以分为以下四部分（1）账户通知与提醒这项服务主要针对用户账户业务的提醒，（2）余额查询定时发送用户账户相关的交易信息和资金量。（3）应用当有与账户有关的特殊交易时，在这种服务类型的应用程序向服务器发送有关帐户或特殊交易。（4）转移通过这项服务，用户可以在账户之间进行资金转账或者进行第三方支付。当然，为了实现手机银行，我们需要一个如WAP（无线应用协议）和服WU器等基础设施。我们可以使用诸如SMS（短消息服务）或MMS（多信息服务）服务与客户进行信息交流。但是在一些发展中国家，例如伊朗的手机银行服务，WAP因其较高的成本并没有受到欢迎。组如此类的困难包括其他的一些网速慢，手机持续很长时间不能联网等问题都大大的影响到了手机银行业务在发展中国家的使用效果。蓝牙技术可以被简单的定义为短波无线电频率，从而作为掌上电脑，手机，和台式电脑等设备的无线连接标准。这种技术与245千兆赫兹的频率的涵盖范围可达100米的距离和每秒3兆位的最大传输速度。蓝牙可以在同一时间连接8个设备。蓝牙作为电线的替代技术而设计，现今已成功普及在移动电话功能当中，估计2002年在使用蓝牙有约2400万。目前，移动电话的主要用途是用于免提装置连接以及与台式电脑同步。然而，现在启用的大规模部署设备，使得潜在低成本多用户个人区域网络可以更好的发展。本文的研究旨在通过银行领域内的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的高业务量。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，并通过他们的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。该部分的详情，将在后面的内容中加以解释。在第三部分中，我们将指向该方法的一些优点。在最后一节，我们将作出最后的结论。2建议蓝牙是一种使用户能够创建无线个人区域网络（WPAN）的技术，在此范围内的设备可以跳过电线通信局域网。在工业中，科学和医疗（ISM）在245GHZ频段。蓝牙技术的主要优点是它的低功耗和成本，并有能力在拥挤的区域给予高频谱连接从而确保连接的可靠性