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E-Commerce Applications Mobile commerce

E-Commerce Applications Mobile commerce. Overview. Mobile computing technologies  Mobile commerce and markets Mobile commerce applications Security Case studies. What is m-Commerce?.

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E-Commerce Applications Mobile commerce

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  1. E-Commerce ApplicationsMobile commerce

  2. Overview • Mobile computing technologies  • Mobile commerce and markets • Mobile commerce applications • Security • Case studies Session 7

  3. What is m-Commerce? • Mobile commerce (m-commerce) is any transaction with a monetary value that is conducted via a mobile telecommunications network.   • Timely, personalized, transactions that can be conducted just about anywhere, anytime • Users will not search for information. Instead, personalised and location aware services are needed. Session 7

  4. Network technologies (1/2) • GSM - Global System for Mobile Communication: GSM is a digital cellular radio network. Provides connectivity for mobile devices. • GPRS - General Packet Radio Service: GPRS is a packet switched wireless protocol that offers instant access to data networks. Always on (i.e. no dialup needed). Works on top of GSM. Max speed 115Kbps. • EDGE - Enhanced Data Rates for Global Evolution: a higher bandwidth version of GPRS that permits higher transaction speeds, up to 384 Kbps Session 7

  5. Network technologies (2/2) • 2.5G – GPRS and EDGE are interim technologies before the introduction of third generation (3G) high bandwidth data networks. • 3G or IMT-2000 (International Mobil Telecommunications 2000) - Broadband data at rates up to 2 Mbps with always-on status. Enhanced roaming capability by harmonizing existing standards. Network efficiency due to a nearly doubling of the spectrum efficiency of existing cellular networks, thus increasing quality, efficiency and transmission speed of wireless services. • 4G – mixed networks e.g. Wi-FI Session 7

  6. Service provision technologies • SMS - Short Message Service allows users to send and receive text messages to and from mobile phones • WAP - Wireless Application Protocol is an open, global standard for mobile solutions, including connecting mobile terminals to the Internet. • Mobile Java – A complete application framework for mobile devices. Session 7

  7. Mobile phone users Internet Access with PCs Connected mobile devices Market Potential for m-commerce Users in Mio. 1.200 More mobile Devices connected to the Internet than PC´s! 1.000 800 600 400 200 0 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 Session 7 Sources: NOKIA, Forrester

  8. m-Commerce growth • More than 21 million Europeans will take up mobile banking (Datamonitor) • The revenues for mCommerce will skyrocket (Jupiter Communications) US: $600 million • Europe: $1.7 billion • Japan: $3.5 billion • Turnover in Germany alone will top €4 billion (Durlacher) Session 7

  9. mCommerce Why M-Commerce Internet / E-commerce e-mail info channels e-commerce cross-corporate business processes PC’s word processing business processes spreadsheets Mainframes banking, airlines Session 7

  10. Internet / E-commerce M-commerce Mainframes PC’s M-commerce • GSM • GPRS/UMTS - Terminals - DOS/Windows - TCP/IP - - VMS - Client/Server - HTML Examples of Technology & Buzzwords • Blue Tooth • W-LAN - X.25 - LAN - Java - ... - ... - ... ? Corporate Data Processing Commerce & Communication Office Automation - e-mail - general ledger - word processing Killer Applications - info channels - banking - spreadsheets - e-commerce • Airline bookings • - .... • ERP (e.g.SAP) • .... - cross-corporate business processes M-Commerce Applications Session 7

  11. Future killerapplicationsare grouped in three areas Main end user benefits • Added Value- do things you couldn‘t do before • Convenience - do things faster and easier • Entertainment- have more and new fun Market Drivers 1. Ubiquitous “professional“connectivity- take the office everywhere 2. Ease of time-critical and“annoying“ transactions - hazzle-free bookings, payment and ticketing 3. Information and entertainment channels- take enhanced media channels (TV&Internet) everywhere Session 7

  12. Also check out Credit card fraud Session 7 Source: ECR/Mintel (2001)

  13. Consumers and credit card fraud 72% of UK credit card holders have never made a purchase online (NOP Mintel) 2/3 of Internet users would purchase more online if transactions were more secure (NOP Mintel) According to Taylor Nelson Sofres, 28% of UK Internet surfers do not buy online, due to fear of entering credit card details Session 7

  14. Security and on-line payments Authentication Card number easy to copy, card easy to skim Authorisation Signature, cardholder not present Riskreduction IP network Session 7

  15. M-commerce approach to security Authentication Mobile network recognises caller ID Authorisation interactive application asks for the authorisation by PIN code GSM, banking system Riskreduction Session 7

  16. Case Study: Paypal • Users require a bank account and email address to send and request money, shop and accept as a business payment • World’s largest Internet payment service • Claims that it’s online verification system is fraud free Weaknesses Strengths • Email and limited WAP based transactions only • No scope for real world transactions • Accepted at over 15,000 US websites • 10.6 million users • Supports person-to-person • Used on ebay Session 7

  17. Case study: M-Pesa • Micropayment service launched in UK in February 2007 • Micropayments of 5p to £5 will be charged to users phone bill • Fully functional Internet, WAP and real world payments launched Strengths Weaknesses • Will enable mobile micropayments of as little as 5p • Credit Card, Debit card and Direct Debits accepted with M-Wallet • M-wallet user can choose preferred payment method • Only available to Vodafone users • Person-to-Person partially supported Session 7

  18. Case study: Oyster • Transport for London • Used by millions every day • Micro-payments • Prepay or credit card • Already accepted at thousands of outlets • No person to person • TfL is not financial service Session 7

  19. Summary • Mobile computing technologies  • Mobile commerce and markets • Mobile commerce applications • Security • Case studies Session 7

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