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INTEGRATING M-COMMERCE PAYMENTS WITH THE MOBILE OPERATOR´S BILL

INTEGRATING M-COMMERCE PAYMENTS WITH THE MOBILE OPERATOR´S BILL BERTHOLD RUF | 29th September 2004. Berthold.Ruf@one.at +43 699 1 699 3847 www.one.at. ABOUT ONE. ONE GMBH. - Third Mobile Operator in Austria - First GSM-1800 Provider - Currently approx. 970 Employees - 4 Shareholders.

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INTEGRATING M-COMMERCE PAYMENTS WITH THE MOBILE OPERATOR´S BILL

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  1. INTEGRATING M-COMMERCE PAYMENTS WITH THE MOBILE OPERATOR´S BILL BERTHOLD RUF | 29th September 2004 Berthold.Ruf@one.at +43 699 1 699 3847 www.one.at

  2. ABOUT ONE ONE GMBH - Third Mobile Operator in Austria - First GSM-1800 Provider - Currently approx. 970 Employees - 4Shareholders 50,10 % 17,45 % 17,45 % 15 %

  3. National Launch U-Bahn Coverage Take ONE Quick Load Launch f-ONE Launch i-ONE ALL IN ONE ONE Webshop WAP ONE MILESTONES ONE Pocket Plus ONE Compass ONE Mobile Office Easy ONEGmbH ONE takes over eWave ONE Cockpit UMTS Licence Re-Launch www.one.at ONE High Speed ONE Smart SIM ONE Newsflash Cooperation with LIWEST LaunchONE WLAN Regional Launch ONE FOR ME Dual VPN Take Two ONE 99 GPRS MMS 07 10 11 02 03 09 11 12 01 03 05 07 09 11 12 02 10 11 04 06 11 12 02 04 07 1998 1999 2000 2001 2002 2003

  4. ONE CUSTOMERS 1.5 MILLION MOBILE | 150,000 i-ONE | 145,000 f-ONE. CUSTOMERS A 12/98 < 30,000 customers B 06/99 200,000 customers C 12/99 500,000 customers D 06/00 830,000 customers E 12/00 1,300,000 customers F 06/01 1,500,000 customers G 12/01 >1,600,000 customers H 12/02 >1,600.000 customers I 09/03 >1,700.000 customers J 07/04 >1,800.000 customers J A B C D E F G H I

  5. Mobile Shopping ONE‘s m-commerce solution

  6. ONE Mobile Shopping Partners

  7. Usage of M-Payment @ ONE • Strong increase of mpayment usage • No special advertising for mpayment so far

  8. M-Commerce Use Case:Coke Vending Machine 1 2 4 3

  9. M-Commerce Use Case:Coke Vending Machine Order Delivery 1 2 4 3 Purchase Confirmation

  10. M-Commerce Use Case:Java Game Download (1) Payment Information and Acceptance Select Game

  11. M-Commerce Use Case:Java Game Download (2) Payment Confirmation - Start Download Install ... and Enjoy!

  12. M-Commerce Use Case:ONE‘s CANTEEN (1) Register by SMS a short time before paying:Send an empty SMS to 8377 1. Pay at the checkout simply by giving the last 4 digits of your mobile phone number 2. Directly after payment you will receive a confirmation SMS. Registration is only valid for a maximum of 10 minutes.

  13. M-Commerce Use Case: ONE‘sCanteen (2) M-Commerce Use Case:ONE‘s CANTEEN (2) • Registration only valid for one location • Registration only valid for 10 minutes • - Users receive a confirmation SMS stating the amount • - Cancellation can be made directly at the checkout • Detailed list of payments and complaint feature at the user self-administration tool

  14. PAYMENT OVERVIEW Clearing request Clearing response Charge customer Lock transaction amount until capture Merchant request Start payment Merchant response (with Transaction ID) Extract MSISDN or User ID Redirect URL WAP Gateway Customer identification (Web) LDAP Validate balance (prepaid) and expenditure limits Customer authorization (including PIN/TAN authentication) Payment channel Payment result Payment channel Redirect URL to merchant Payment result response Go to success URL Merchant delivers the goods/content to customer Payment channel Customer Merchant Payment Platform ONE back-office Identification & Authorization Capture

  15. M-Payment Architecture – Overview

  16. Many attractive Services drive the Business • Be prepared for individual Merchants as well as Merchant-Aggregators • Key Account Manager / Technical Account Engineer • Merchant Monitoring and Restrictions • Flexible automatic merchant settlement • Flexible automatic merchant aggregator settlement

  17. Billing and Settlement • Pre-priced events • Merchant manages the price of every transaction • Tax issues • different tax per product (tax override) • tax exempt customers or merchants • Multi Revenue Sharing • Multi Party Event & Individual Rating Tariffs

  18. ONE Bank • Since June 2004 ONE has a banking license • Necessary to guarantee payments to the merchant

  19. COOPERATION WITHIN OPERATORS IS BETTER FOR CUSTOMERS, MERCHANTS AND OPERATORS

  20. COOPERATION AMONG OPERATORS HELPS GAINING CRITICAL MASS COOPERATION IS KEY • Parking, Ticketing (for public transport) • News, Games DON‘T WANT TO COOPERATE • community, exclusive mobile content • NEED TO COOPERATE? • mobile time recording; fleet management (closed usergroup) • Physical Goods

  21. MIA | M-COMMERCE INTERFACE AUSTRIA • open standard jointly developed • almost all Austrian operators participate • Specifies technical interface merchant/operator Joint functional and technical integration Mobile Phone Subscribers One Interface Connected Merchants Mobile Phone Subscribers Hutchison Interface Connected Merchants T-mobile Interface Connected Merchants Mobile Phone Subscribers Mobile Phone Subscribers Tele.ring Interface Connected Merchants

  22. TECHNICAL DETAILS OF MIA • Based on exchanging XML-documents between merchant and operator (specification defines DTD‘s and gives XML-examples) • Connection between merchant and operator done via https • Open for all possible channels: SMS, WAP, WEB • Customer may be redirected from merchant to operator for explicit authentication (PIN/TAN-entry...) • May be used for micropayments and macropayments

  23. MIA- SUCCESS STORY • First inter-operator standard which is already live • ONE has connected all its m-commerce partners via MIA • T-mobile Austria uses MIA for ticketing, lotto and other services • Tele.ring and “3” (Hutchison) to follow soon

  24. MIA-Homepage http://mia.co.at • Free download of Java/Perl toolbox + manuals • Latest MIA-specification • FAQ • Test-Shop to test MIA-transactions • Access to test-server • Contact

  25. LESSONS LEARNED • Many merchants – especially for content – are very interested in doing m-commerce with operators • Flexible merchant interface and banking license important • Attractive services are the key for successful m-commerce • MIA is the first life-standard for m-commerce and already successful • Try to use standards wherever possible

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