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Payments - Mobile Payments PowerPoint Presentation
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Payments - Mobile Payments

Payments - Mobile Payments

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Payments - Mobile Payments

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  1. Michal Bodlák

    Payments- Mobile Payments

  2. Definition Referred to as mobile money, mobile money transfer, and mobile walletgenerallyrefer to paymentservicesoperatedunderfinancialregulationandperformedfromor via a mobile device. Isanalternativepaymentmethod. Insteadofpayingwith cash, check, orcreditcards, a consumercan use a mobile phone to payfor a widerangeofservicesanddigitalorhardgoods.
  3. Mobile PaymentsModels Premium SMS basedtransactionalpayments Direct Mobile Billing Mobile web payments (WAP) Contactless NFC (NearFieldCommunication)
  4. Premium SMS basedtransactionalpayments Theconsumersends a paymentrequest via an SMS text messageoran USSD to a shortcodeand a premiumchargeisapplied to theirphonebillortheir online wallet. Poorreliability Slow speed Security Highcost
  5. Direct Mobile Billing Theconsumerusesthe mobile billingoptionduringcheckoutatan e-commerceto make a payment Aftertwo-factorauthenticationinvolving a PIN andOne-Time-Passwordtheconsumer's mobile accountischargedforthepurchase. Security Convenience Easy Fast Proven
  6. Mobile Web Payments(WAP) Theconsumeruses web pagesdisplayedoradditionalapplicationsdownloadedandinstalled on the mobile phone to make a payment Follow-on sales Highcustomersatisfaction Easeofuse Unlessthe mobile accountisdirectlychargedthrough a mobile network operator, the use of a credit/debitcardorpre-registrationat online paymentsolutionisrequired Directoperatorbilling CreditCard Online Wallets
  7. ContactlessNearFieldCommunication Usedmostly in payingforpurchasesmade in physicalstoresortransportationservices A special mobile phoneequippedwith a smartcardwaves- neara reader module. Do not requireauthentication, butsomerequireauthenticationusingPIN Thepaymentcouldbedeductedfrom a pre-paidaccountorcharged to a mobile or bank accountdirectly.
  8. Questions Haveyoueverusedanykindof mobile payment? What do youthimkabout NFC? What are thedisadvantagesof NFC?