$date=date("Ymd");  // 화일명중 날짜부분
$filename="sms_".$date.".csv";
header( "Content-type: application/vnd.ms-excel; charset=ks_c_5601-1987");
header( "Content-Disposition: attachment; filename=$filename");
header( "Content-Description: PHP4 Generated Data");

echo "이름, 연락처, 메일주소\n";
$result=mysql_query("SELECT name, phone, email FROM bible_sms ");
while  ($row = mysql_fetch_array($result) )
{
  echo "$row[name], $row[phone], $row[email]\n";
}