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User registers, inputs their phone number, and the provider sends them an SMS with a PIN User enters the received PIN, authenticating the number User inputs their credit card info or another payment method if necessary not necessary if the account has already been added and validates payment Subsequent payments: The user re enters their PIN to authenticate and validates payment Requesting a PIN is known to lower the success rate conversion for payments.

These systems can be integrated with directly or can be combined with operator and credit card payments through a unified mobile web payment platform. Credit card[ edit ] A simple mobile web payment system can also include a credit card payment flow allowing a consumer to enter their card details to make purchases.

This process is familiar but any entry of details on a mobile phone is known to reduce the success rate conversion of payments. In addition, if the payment vendor can automatically and securely identify customers then card details can be recalled for future purchases turning credit card payments into simple single click-to-buy giving higher conversion rates for additional purchases.

Carrier billing[ edit ] The consumer uses the mobile billing option during checkout at an e-commerce site—such as an online gaming site—to make a payment. This type of mobile payment method, which is extremely prevalent and popular in Asia, provides the following benefits: Security — Two-factor authentication and a risk management engine prevents fraud.

Convenience — No pre-registration and no new mobile software is required. Fast — Most transactions are completed in less than 10 seconds.

Please help improve this section by adding citations to reliable sources. Unsourced material may be challenged and removed. The merchant involved is informed of the payment success and can then release the paid for goods. A Multimedia Messaging Service can also deliver barcodes which can then be scanned for confirmation of payment by a merchant. This is used as an electronic ticket for access to cinemas and events or to collect hard goods.

Inhibiting factors of Premium SMS include: Slow speed — sending messages can be slow and it can take hours for a merchant to get receipt of payment. Consumers do not want to be kept waiting more than a few seconds.

High cost — There are many high costs associated with this method of payment. The cost of setting up short codes and paying for the delivery of media via a Multimedia Messaging Service and the resulting customer support costs to account for the number of messages that get lost or are delayed. It is difficult for them to remember where something was purchased or how to buy it again. This also makes it difficult to tell a friend. Some mobile payment services accept "premium SMS payments. Remote Payment by SMS and Credit Card Tokenization Even as the volume of Premium SMS transactions have flattened, many cloud-based payment systems continue to use SMS for presentment, authorization, and authentication, [20] while the payment itself is processed through existing payment networks such as credit and debit card networks.

These solutions combine the ubiquity of the SMS channel, [21] with the security and reliability of existing payment infrastructure. To date, point-of-sales mobile payment solutions have not relied on SMS-based authentication as a payment mechanism, but remote payments such as bill payments, [23] seat upgrades on flights, [24] and membership or subscription renewals are commonplace. In comparison to premium short code programs which often exist in isolation, relationship marketing and payment systems are often integrated with CRM , ERP , marketing-automation platforms , and reservation systems.

Many of the problems inherent with premium SMS have been addressed by solution providers. Remembering keywords is not required since sessions are initiated by the enterprise to establish a transaction specific context. December Learn how and when to remove this template message Mobile payment system in Norway. The consumer uses web pages displayed or additional applications downloaded and installed on the mobile phone to make a payment. These pages have a URL and can be bookmarked making it easy to re-visit or share.

Mobile web payment methods are now being mandated by a number of mobile network operators. Direct operator billing[ edit ] Direct operator billing, also known as mobile content billing, WAP billing , and carrier billing, requires integration with the mobile network operator. It provides certain benefits: Mobile network operators already have a billing relationship with consumers, the payment will be added to their bill.

Provides instantaneous payment Protects payment details and consumer identity Better conversion rates Reduced customer support costs for merchants Alternative monetization option in countries where credit card usage is low One of the drawbacks is that the payout rate will often be much lower than with other mobile payments options. Examples from a popular provider: This is a logical alternative to credit card and Premium SMS billing.

In , Ericsson and Western Union partnered to expand the direct operator billing market, making it possible for mobile operators to include Western Union Mobile Money Transfers as part of their mobile financial service offerings. Most transactions do not require authentication, but some require authentication using PIN, before transaction is completed. The payment could be deducted from a pre-paid account or charged to a mobile or bank account directly.

Mobile payment method via NFC faces significant challenges for wide and fast adoption, due to lack of supporting infrastructure, complex ecosystem of stakeholders, and standards. Ericsson and Aconite are examples of businesses that make it possible for banks to create consumer mobile payment applications that take advantage of NFC technology.

Osaifu-Keitai system, used for Mobile Suica and many others including Edy and nanaco , has become the de facto standard method for mobile payments in Japan. Other NFC vendors mostly in Europe use contactless payment over mobile phones to pay for on- and off-street parking in specially demarcated areas. Parking wardens may enforce the parkings by license plate, transponder tags or barcode stickers. First conceptualized in the s,[ citation needed ] the technology has seen commercial use in this century in both Scandinavia and Estonia.

End users benefit from the convenience of being able to pay for parking from the comfort of their car with their mobile phone, and parking operators are not obliged to invest in either existing or new street-based parking infrastructures. Parking wardens maintain order in these systems by license plate, transponder tags or barcode stickers or they read a digital display in the same way as they read a pay and display receipt.

Other vendors use a combination of both NFC and a barcode on the mobile device for mobile payment, for example, Cimbal or DigiMo, [32] making this technique attractive at the point of sale because many mobile devices in the market do not yet support NFC.

QR codes have been in use since Traditional bar codes just represent numbers, which can be looked up in a database and translated into something meaningful. QR Codes can be of two main categories: This theoretically eliminates reduces the incidence of long checkout lines, even at self-checkout kiosks.

The cloud based approach places the mobile payment provider in the middle of the transaction, which involves two separate steps. First, a cloud-linked payment method is selected and payment is authorized via NFC or an alternative method. During this step, the payment provider automatically covers the cost of the purchase with issuer linked funds. Several companies have created technology to use the acoustic features of cell phones to support mobile payments and other applications that are not chip-based.

The consumer can purchase goods, transfer money to a peer, cash out, and cash in. Bank transfer systems[ edit ] Swish is the name of a system established in Sweden. The electronic identification system mobile BankID, issued by several Swedish banks, is used to verify the payment. Users with a simple phone or without the app can still receive money if the phone number is registered in the internet bank. Like many other mobile payment system, its main obstacle is getting people to register and download the app, but it has managed to reach a critical mass and it has become part of everyday life for many Swedes.

Swedish payments company Trustly also enables mobile bank transfers, but is used mainly for business-to-consumer transactions that occur solely online. If an e-tailer integrates with Trustly, its customers can pay directly from their bank account.

They use direct and instant bank transfers, but also for users not connected to a participating bank, credit card billing. Mobile payment service provider model[ edit ] There are four potential mobile payment models: The mobile operator acts independently to deploy mobile payment service. The operator could provide an independent mobile wallet from the user mobile account airtime. A large deployment of the Operator-Centric Model is severely challenged by the lack of connection to existing payment networks.

Mobile network operator should handle the interfacing with the banking network to provide advanced mobile payment service in banked and under banked environment. Pilots using this model have been launched in emerging countries but they did not cover most of the mobile payment service use cases. Payments were limited to remittance and airtime top up. A bank deploys mobile payment applications or devices to customers and ensures merchants have the required point-of-sale POS acceptance capability.

Mobile network operator are used as a simple carrier, they bring their experience to provide Quality of service QOS assurance. This model involves collaboration among banks, mobile operators and a trusted third party.

The mobile payment service provider acts independently from financial institutions and mobile network operators to provide mobile payment.


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