sepe aindeh tourism development cooperative bank of mellat and qarz al-hasneh mehr of iran is offered. the problems that are usually a paper drop mean that a mistake in the signature is lost, the date is scratched, etc. it is not electronic . the central bank announced that this check will be presented in the new welfare bank of agricultural workers . the work of 11 branch users must be done for a check and the system does it automatically, and there is no need for the customer to call or physically. the presence of the happymod program from abar khawam, the digital signature that we install on the phone is based on authentication , in a digital form, which in fact, qarz al-hasaneh resalat bank wants a phone with a national code and mobile number , it is sent to the bank's qarz al-hasaneh resalat channel , it is entered in the section issuing a check book, tita requests to issue a check book, the messages sent, i will wait for you, how many years will it take for a simple hand , but usually 24 hours, according to the vice president of information technology of qarz al-hasaneh resalat