Mobile payment refers to payment services operated under financial regulation and performed via a mobile device. It allows consumers to pay for services and goods using their mobile device instead of cash, checks, or credit cards. There are five primary models of mobile payment: SMS/USSD-based transactions, direct operator billing, application payments using QR codes, NFC payments, and application payments using barcodes. Each method has a different process, but generally involve using the mobile device to make a payment through a mobile app or by sending codes/tapping the device. Mobile payments offer benefits like speed, convenience, and security compared to traditional payment methods.

1. Mobile-Payment
Shut up and Listen… Group 7
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Mobile payment
(also referred to as mobile money, mobile
money transfer, and mobile wallet)
Generally refer to payment services operated
under financial regulation and performed
from or via a mobile device.
Aboutmobilepayment
Excuse me,
WTF is Mobile Payment?
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Howtopay
Forget about the price tag.
Instead of paying with cash, cheque, or credit
cards, a consumer can use a mobile device to pay
for a wide range of services and digital or hard
goods. Although the concept of using non-coin-
based currency systems has a long history, it is only
in the 21st century that the technology to support
such systems has become widely available..
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Whymobilepayment
I always forgot to take my wallet
• Fast – Most transactions are completed in less
than 10 seconds. You don’t need to wait for long
queue
• Easy – You don’t need to bring your money all
along with you or sometimes you’ve forgotten
to bring your wallet
• Secure - If your phone is lost or stolen, a thief
won't be able to run up big credit card bills.
Why? Because your payment information should
still be secured behind a passcode or biometric
authentication (or both). If you're carrying cash
or credit cards (especially payWave), your money
is as good as spent if a thief makes off with your
wallet.
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Fivewaysto
mademobile
payment
The primary models of mobile payment
nowadays is kinda less…
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Five primary models of mobile payments
SMS/ USSD
based
transaction
Direct operator
billing
QR codeApplication
payment(APP)
NFC payments

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SMS/ USSD based transaction
2 ways:
1. Customers send a SMS code to the seller
2. Premium charge is applied.
3. The merchant is informed of payment success
4. They will send you the goods
1. Customer want to make a purchase
2. The customer requests the billing center to
send a verification SMS.
3. The center sends the customer the verification
code
4. The customer enters the code
5. The merchant will send you the goods.
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Application payment method
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1. Customer buy something
2. They open their payment apps
3. They let them to scan their ID barcode
4. The payment is made instantly.

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Market existing payment methods
Don’t give me your shit, show me some example lah
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Direct operator billing
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1. Customer orders goods
2. The payment is made instantly
3. The debt is added to their operator bill
next time.
4. When the customers pay their phone bill,
they will pay for the debt in addition too.

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QR code
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1. Customer buy something
2. They open their payment apps
3. They scan the QR code instead of the
cashier scan their ID barcode.
4. Then click confirm transaction and the
payment is made immediately.

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Near Field Communication payment (NFC)
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1. This model simulates those credit cards
whose have payWave functionality.
2. This method requires the NFC chips in
your mobile devices (check the logo
below to confirm your devices
compatible or not)
3. When you need to make a purchase
4. Just tap your mobile device to the
payWave credit card machine.
5. And the transaction is made right away

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Thankyou
Group 7
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Tzu Chi University of Science Technology
MOBILE-PAY
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