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Electronic Payment Systems 20-763 Lecture 13 Mobile Payments, Virtual Money

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Electronic Payment Systems 20-763 Lecture 13 Mobile Payments, Virtual Money Mobile Payment Players Content Provider/ Merchant Financial Institution Network Operator User Mobile Payment Issues Content Provider/ Merchant Financial Institution Network Operator User Security

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  1. Electronic Payment Systems20-763 Lecture 13Mobile Payments,Virtual Money

  2. Mobile Payment Players Content Provider/ Merchant Financial Institution Network Operator User

  3. Mobile Payment Issues Content Provider/ Merchant Financial Institution Network Operator User • Security • Privacy • Ease of Use • Devices • Open Standards • Inter-operability • Roaming • Authentication • Integrity • Non-repudiation • Fraud reduction • Getting Paid • User adoption • Low Cost Issues SOURCE: ARVANI GROUP

  4. Current Business Models • Card based (Visa, MC) • Carrier based (DoCoMo) • Third party (PayBox) SOURCE: ARVANI GROUP

  5. MOTOROLA P7389 TRIBAND WAP PHONE WITH SMARTCARD READER Mobile Card Systems

  6. Merchant Clearing & Settlement OPTION 1: Multi-app: SIM + EMV (CEC) Mobile EMV Chip Debit/Credit Voice or IP Browsing & Offer Request Issuing Bank Wallet forwards address details WAP, i-Mode Acquiring Bank Merchant Offer Acquiring Payment Engine Gateway Wallet Server Purchase Request ShipmentConfirmation SET or SSL/TLS Authorisation Request / Response M/CHIP transaction with ARQC and ARPC / ARC data classed as “Card Present” Transaction Option 2: Dual slot phone with full size EMV SOURCE: MAOSCO

  7. Wireless Card Authorization SOURCE: SAMSUNG

  8. Mobile Phone Future Millions More handsets than PCs connected to the Internet by the end of 2003 ! Projected cellular subscribers Projected Web handsets Projected PCs connected to the Internet 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

  9. Mobile Payment Population Growth SOURCE: CELENT

  10. Consumer has goods in shoppingbasket and selects “paybox - pay with mobile phone“ on website 1 2 paybox connectstransaction partnersand rings consumer on mobile phone 4 ...entering the paybox-PIN on the mobile phone Consumer authorises the payment to the Internet shop by... 3 5 Clearing& settlement is done via electronic direct debit Paybox paybox SOURCE: PAYBOX NORDIC AB

  11. Paybox Combines Networks Payment Space Banking Network Authorization Space GSM Network PAYMENT MADE THROUGH BANKING NETWORK AUTHENTICATION AND AUTHORIZATION MADEOVER GSM NETWORK Transaction Space Internet • works with any mobile phone • any network provider • supports WAP via GPRS or UMTS • high taxicab penetration • 6% of all B2C in Germany TRANSACTION TRIGGEREDOVER THE INTERNET SOURCE: PAYBOX NORDIC AB

  12. 3. Call customers mobile phone 2. Send phone # + amount 4. Confirm recipient + amount (PIN) 5. Confirm payment 1. Send phone number 6. Ship goods paybox: Payment Procedure paybox Customer Vendor SOURCE: ANDREAS KUNZ

  13. Paybox Features • Payment authentication by mobile phone, relies on SIM identification and GSM encryption • Started in May 2000 in Germany, now also operational in Austria, Spain and Sweden with more to come (e.g. Britain) • 50% owned by Deutsche Bank • Amounts: starting at about 1€ • Transfer to other mobile phone (1-2% or 25 cent fees) or bank account possible • Offline shopping possible

  14. Paybox Cross-Border Mobile Payments Merchant Consumer Provision of Goods and Services Purchase Call on GSM network PIN authorization TransactionRequest and Confirmation Paybox: Transaction Instruction Engine via EDI Deutsche Bank´s Network Money Transaction Consumer Account at ANY bank in ANY country Merchant Account at ANY bank in ANY country Clearing System Direct Debit Crediting SOURCE: PAYBOX

  15. AsiaPay PayDollar • PayDollar Mobipay • supports iPaq or Palm • Bank cards • PayDollar Direct (peer-to-peer email) • PayDollar PPS – real-time online debit payments • DEMO SOURCE: PAYDOLLAR

  16. Product .....: REF. 1234 8 2 1 4 7 5 6 3 8 REF: 01021234 1500 ptas Store X PIN: - - - - - REF: 01021234 1500 ptas Store X PIN: 12345 Delivery REF 1234 Store x OK REF: 01021234 Alternative: + PIN 4. Data validation 1. User chooses Mobipay payment method on merchant site 5. PIN request 2. Merchant sends unique Mobipay reference asociated with amount 6. PIN response 7. Authorisation 3. User sends reference (+ PIN) 8. Confirmation 4 Mobipay Vending Machine OR Internet Merchant Mobipay System with Access Node router Processor +Issuer/ Acquirer WEB WEB + GSM ))))    OPERATOR NETWORK If PIN not entered directly User

  17. International Mobipay Principle: Use existing international payment infrastructure Current international card infrastructure 7 Mobipay International Acquiring Bank Issuing Bank 4 5 3 2 6 Local Mobipay Local Mobipay 1 MERCHANT 0 4 CLIENT FROM COUNTRY B Country A GSM Roaming Country B SOURCE: MOBIPAY

  18. 3. Return signed purchase order 2. Sign purchase order 4. Check signature 1. Send purchase order 2. Upload application and credentials 1. Register a) Send collected purchase orders regularly b) Check purchase orders 1. Provide Customer‘s keys and certificate c) Clearing and settlement Customer registration 2. Certification request Application and credential upload 3. Create key pair and certificate Clearing and settlement T-Mobile Micropayment Service Customer: mobiledevices Merchant:Point of Sale MobileGateway Mobile commerce platform Financial Institution Content Billing Application Repository Micropayment Public Key Infrastructure Advertising Location Based Services SOURCE: T-SYSTEMS

  19. Digital Wallets • Files or devices containing payment information, possibly representations of money • Used for seamless payments, without significant user intervention SOURCE: LAUDON & TRAVER

  20. Microsoft Wallet

  21. How Microsoft Passport Works SOURCE: LAUDON & TRAVER

  22. Major Ideas • Mobile payment is expanding rapidly • Wallets yield great conveneince • Blind digital signatures are possible • eCash is a minor development

  23. Q A &

  24. Data Telco network Internet Financial Institutes / Telco billing External Business Systems mCommerce: Replacement for Cash & Card Vending, Access, Ticketing, etc. Users Call Center WWW Mobile Payment Platform SOURCE: SONERA

  25. A Mobile Payment Scheme 4. Request PO (API) 0. Routing Mobile Mobile 5. Certified PO 8. Deposit Gateway PSP Merchant ’ s 2. Offer (WML) 1. Offer (WML/HTML, PFL) PSP 6. Certified PO 7. Deposit 0 3. Payment Authorization Mobile buyer Merchant SOURCE: NEWGENPAY.COM

  26. Mobile Aggregators WIRELESS BANKING: EDS SEE ALSO YODELEE2GO SOURCE: VERTICAL ONE