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Future Is MOBILE..


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Contd..


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Mobile Commerce M-Commerce is the buying and selling

of goods and services through wirelesshandheld devices.

M-Commerce is the process of paying

for services using a mobile phone or personal organizer .

Key drivers - > huge smartphone penetratioHere & Now mobile lifesty


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Features of Mobile Commerce

Provision for cash deposits and withdrawals. Ability for third parties to make deposits into a user account. Ability to make retail purchase. Over-the-air prepaid top-ups using the cash already in the account. The ability to transfer cash between users account. Provision for bill payments


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History Mobile Commerce Services were first delivered in 1997, when the first two mobile-phone enable

Cola vending machines were installed in the Helsinki area in Finland. They used SMS text messasend the payment to the vending machines. In 1997 also the first mobile phone based was launcheMerita also using SMS.

In 1998, the first digital content sales were made possible as downloads to mobile phones when thcommercial downloadable ringing tones were launched in Finland by Radionlinja.

In 1999, two major national commercial platforms for m-commerce were launched with the introdu

a national m-payments system by Smart as Smart Money in the Philippines and the launch of the fimobile internet platform by NTT DoCoMo in Japan, called i-Mode.

In 2000, Mobile commerce related services spread rapidly from Norway launching mobile parking, Austria offering mobile tickets to trains, and Japan offering mobile purchases of airline tickets.

GVPCE(A)


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Mobile Commerce from the Customer s point ofview

The customer wants to access information,

goods and services any time and in any place on

his mobile device.

He can use his mobile device to purchase tickets

for events or public transport, pay for parking,

download content and even order books and

CDs.

He should be offered appropriate payment

methods.


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Mobile Commerce from the Provider`s pointof view

The future development of the mobile telecommunication sector is hmore and more towards value-added services. Analysts forecast that so

of mobile operators revenue will be earned through mobile Commerce

Innovative service scenarios will be needed that meet the

expectations and business models that satisfy all partners involved.

Tuesday, March 18, 2014 GVPCE(A)


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TRANSACTION OVERVIEW


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Infrastructure and steps in the processTransaction part I


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Transaction part II


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Services and ApplicationsMobile ticketing

Mobile Money TransferContent purchase and delivery

Information services

Mobile banking

Mobile Browsing

Mobile Purchase

Mobile marketing and advertising


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Mobile Ticketing Mobile Ticketing is the process where the customers can order, pay f

and validate tickets from any location and at any time using Mobile pho

Tickets can be booked and cancelled on the mobile device with th

simple application downloads.

Delivery of tickets to mobile phones can be done in the form of a SM

MMS.

GVPCE(A)


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Contd...Mobile Tickets can be purchased

in a variety of ways including

online, via text messaging or in asecure mobile application.Mobile Ticketing is used in

many applications like:1. Airline ticketing

2. Cinema ticketing3. Railway & Bus ticketing4. Concert/Event ticketing5. Consumer voucher distribution



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Mobile Money TransferMobile Money Transfer refers to

payment services which are performed

by using a mobile phone.

By using this service we can transfer

money from one person to other by

using a mobile phone.

Ex: ICICI bank has started IMPS -

Interbank Mobile Payment Service. It is

an interbank electronic instant mobile

money transfer service through mobile

phones.GVPCE(A)


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Content purchase and deliveryMobile content purchase and deliverymainly consists of the sale of ring-tones,wallpapers, and games for mobile

phones.The convergence of mobile phones,

portable audio players, and video playersinto a single device is increasing the

purchase and delivery of full-length

music tracks and video.


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Information servicesA wide variety of information services can be

delivered to mobile phone users in much the

same way as it is delivered to PCs. These

services include:

News

Stock quotes

Sports scores

Traffic reporting


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Mobile banking

Banks and other financial institutions

use mobile Commerce to allow their

customers to access account information

and make transactions, such as purchasing

stocks, remitting money, receive

notifications, transfer money to other banks.


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Contd..Mobile Banking Services are:

1. Mini-statements and checking of account history

2. Checking the balance

3. Recent transactions

4. PIN provision, Change of PIN and reminder over

the Internet

5. Cash-in, cash-out transactions on an ATM


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Location-based servicesThe location of the mobile phone user

is an important piece of information

used during Mobile Commerce or M-

Commerce transactions.

Knowing the location of the user

allows for location-based servicessuch as:

1. Local discount offers

2. Tracking and monitoring of people

M bil M k i d


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Mobile Marketing and Advertising

Mobile marketing is highly responsivesort of marketing campaign, especiallyfrom brands experience point of view.Corporations are now using M-Commerce to expand everything fromservices to marketing andadvertisement.


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Types of M-marketing and advertising: Mobile Web Poster SMS advertising MMS advertising Mobile games Mobile videos Audio Advertisements



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Payment Process:


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Contd..

Mobile Wallets


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Mobile WalletsA mobile wallet based payment strategy deals with how, where and

payments can be accepted and processed using the users wallet accA mobile wallet payment option includes the following:

Prepaid Here the users top up their mobile wallet accounts upfronmobile wallet accounts are used to make the payments in context of tsales transactions.

Post-paid In this case, a users mobile wallet account is linked carrier billing account. The mobile sales transactions are paid with mobile wallet account, which in turn is charged to the associated mobaccount that is usually paid on a monthly or quarterly basis.

Card linked mobile wallets In this mobile wallet strategy, the maccounts are linked to users debit or credit cards. In a mobile saleswith card linked mobile wallet payment, the final payment is made from account that is linked to users cards.


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Di d


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Disadvantages

Small screens of most devices still limit types of file and data transf

streaming videos, etc.) Use of graphics limited

User interface is often difficult to learn how to use

Speed

Limited storage capacity of devices


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Conclusion Future is mobile and future


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Conclusion Future is mobile and futureof mobile is commerce payment


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mobilecommerce-140207075728-phpapp02

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