This document proposes a mediator-based payment service model to enable flexible mobile payments. The model includes a Payment Service Gateway server that acts as an intermediary between mobile consumers, payment service providers, and content/service providers. It allows consumers to make payments using various options instead of relying solely on mobile operators. The model uses web services and a multi-tier architecture to provide scalability, security, and flexibility across components.
The document discusses the ecosystem for data services in India. It notes that the ecosystem is more complex than for voice services, as it involves content owners, mobile application developers, and content aggregators in addition to service providers, technology providers, and handset manufacturers. The focus in data services is more on subscribers and providing them with enriching content and experiences, unlike voice where the focus is more on infrastructure. Successful portals that list mobile applications can benefit handset manufacturers, service providers, and developers by increasing revenue share and stickiness to their platforms.
The document discusses future trends in the telecom and media industries that will lead to their integration. It outlines three scenarios for how the industries could evolve: 1) "All cloud" where operators provide only connectivity with no value add, 2) "Mobile play" where industry definitions remain stable with limited convergence, and 3) "Full service world" where operators integrate across the value chain. It then discusses trends like net neutrality, social communications displacing telcos, and access to content from any device. New commercial models and partnerships will be needed for operators to capture revenue as consumption patterns change. Russian realities are also discussed, noting data usage is surging while consumer behavior follows global trends.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Building scope...spirecorporate
This document discusses approaches to broadening adoption and usage of mobile payments in emerging Asia. It argues that scope and scale are important, as networks gain more value as more users join. Broad adoption requires recruiting across income segments and including those with purchasing power. Getting funds into the system and keeping them there reduces costs. Leveraging existing networks and finding the right partnerships can help scale up new services. Challenges include aligning interests over time between different players and sectors.
1) Mobile broadband is becoming the dominant means of global connectivity as data traffic and usage increases significantly.
2) The telecom industry is facing challenges of diverging traffic and revenue growth, requiring new business models and more efficient networks.
3) A paradigm shift is needed towards more sustainable approaches like network sharing, intelligent and efficient networks, new revenue streams, and innovations like carrier cloud and femtocells.
Small cells and femtocells are needed to address increasing mobile traffic demands and provide better coverage and service. They offer several benefits:
1) They provide more network capacity and better performance by offloading traffic from the macro network. This keeps pace with exponentially growing traffic demands.
2) They enable lower capital and operating expenses compared to traditional macro cells by reducing costs of site acquisition, installation, and power/maintenance needs.
3) They improve the user experience indoors where most data is used by enhancing service availability, data rates, and quality of service in bandwidth-constrained areas.
This document discusses retention strategies for fixed network operators to counter challenges from growing mobile networks. It outlines key trends showing mobile subscriber growth exceeding fixed lines globally and in Africa. Fixed operators face challenges like high infrastructure costs and liberalized markets. The document recommends focusing on customer retention through strategies like delighting customers, adding perceived value, building bonds and engagement across the customer lifecycle. It suggests leveraging existing fixed network infrastructure through convergence of fixed and mobile networks, triple/quadruple play offerings, international cables, and corporate services. The conclusion is that fixed operators still have opportunities as backbone providers and meeting growing bandwidth demand through innovative strategies.
The document provides an overview of the lightRadio paradigm developed by Alcatel-Lucent and Bell Labs to address the challenges of exponential growth in wireless network usage. It discusses how existing networks will not be able to support increasing demands. LightRadio offers a new wireless networking approach to optimize capacity, performance, and operator economics. The paper describes the lightRadio technology components and transport options, and how it can provide total cost of ownership savings for network operators.
The document proposes a shift from subscriber-centric mobile networks to consumer-centric networks. It argues that consumers now expect more control over their mobile experience and more choices in services, as seen with popular internet services. A new Consumer-centric Services layer is proposed to provide functions for personalized policy, content, and context management across devices and providers. For this vision to be realized, open standards and cooperation across network operators, applications providers, and device manufacturers will be needed.
The document discusses the ecosystem for data services in India. It notes that the ecosystem is more complex than for voice services, as it involves content owners, mobile application developers, and content aggregators in addition to service providers, technology providers, and handset manufacturers. The focus in data services is more on subscribers and providing them with enriching content and experiences, unlike voice where the focus is more on infrastructure. Successful portals that list mobile applications can benefit handset manufacturers, service providers, and developers by increasing revenue share and stickiness to their platforms.
The document discusses future trends in the telecom and media industries that will lead to their integration. It outlines three scenarios for how the industries could evolve: 1) "All cloud" where operators provide only connectivity with no value add, 2) "Mobile play" where industry definitions remain stable with limited convergence, and 3) "Full service world" where operators integrate across the value chain. It then discusses trends like net neutrality, social communications displacing telcos, and access to content from any device. New commercial models and partnerships will be needed for operators to capture revenue as consumption patterns change. Russian realities are also discussed, noting data usage is surging while consumer behavior follows global trends.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Building scope...spirecorporate
This document discusses approaches to broadening adoption and usage of mobile payments in emerging Asia. It argues that scope and scale are important, as networks gain more value as more users join. Broad adoption requires recruiting across income segments and including those with purchasing power. Getting funds into the system and keeping them there reduces costs. Leveraging existing networks and finding the right partnerships can help scale up new services. Challenges include aligning interests over time between different players and sectors.
1) Mobile broadband is becoming the dominant means of global connectivity as data traffic and usage increases significantly.
2) The telecom industry is facing challenges of diverging traffic and revenue growth, requiring new business models and more efficient networks.
3) A paradigm shift is needed towards more sustainable approaches like network sharing, intelligent and efficient networks, new revenue streams, and innovations like carrier cloud and femtocells.
Small cells and femtocells are needed to address increasing mobile traffic demands and provide better coverage and service. They offer several benefits:
1) They provide more network capacity and better performance by offloading traffic from the macro network. This keeps pace with exponentially growing traffic demands.
2) They enable lower capital and operating expenses compared to traditional macro cells by reducing costs of site acquisition, installation, and power/maintenance needs.
3) They improve the user experience indoors where most data is used by enhancing service availability, data rates, and quality of service in bandwidth-constrained areas.
This document discusses retention strategies for fixed network operators to counter challenges from growing mobile networks. It outlines key trends showing mobile subscriber growth exceeding fixed lines globally and in Africa. Fixed operators face challenges like high infrastructure costs and liberalized markets. The document recommends focusing on customer retention through strategies like delighting customers, adding perceived value, building bonds and engagement across the customer lifecycle. It suggests leveraging existing fixed network infrastructure through convergence of fixed and mobile networks, triple/quadruple play offerings, international cables, and corporate services. The conclusion is that fixed operators still have opportunities as backbone providers and meeting growing bandwidth demand through innovative strategies.
The document provides an overview of the lightRadio paradigm developed by Alcatel-Lucent and Bell Labs to address the challenges of exponential growth in wireless network usage. It discusses how existing networks will not be able to support increasing demands. LightRadio offers a new wireless networking approach to optimize capacity, performance, and operator economics. The paper describes the lightRadio technology components and transport options, and how it can provide total cost of ownership savings for network operators.
The document proposes a shift from subscriber-centric mobile networks to consumer-centric networks. It argues that consumers now expect more control over their mobile experience and more choices in services, as seen with popular internet services. A new Consumer-centric Services layer is proposed to provide functions for personalized policy, content, and context management across devices and providers. For this vision to be realized, open standards and cooperation across network operators, applications providers, and device manufacturers will be needed.
Daytona Sessions vol.1 - Johan Ragnevad - Five years - an Internet eternity, ...Daytona
This document discusses lessons learned from more than ten years of mobile operator struggles to capitalize on new technologies and business models. It argues that mobile operators have focused too much on carrier-grade features rather than what consumers want, which are good-enough, coolest technologies. While operators separated access from content, the mobile world did not follow this model, and one integrated ecosystem has proven most successful. The document suggests operators enable key Internet capabilities on mobile networks and embrace a more web-centric approach to remain relevant in the future mobile internet landscape.
Gil 2012 Africa: Mega Trends Africa Telecoms and iIT by Chantel LindemanSamantha James
The document discusses opportunities and trends in the ICT sector in Africa between 2012-2020. It finds that mobile and wireless will see the most growth, increasing from $180 billion in 2012 to $300 billion by 2020. Data centers are also poised for significant growth, growing from a $2 billion market in 2012 to $6 billion by 2020. Mobile broadband and the number of mobile subscriptions will be key drivers of internet growth across Africa over this period, with over 1 billion Africans expected to own a mobile device by 2020. Localization of technologies like tablets and data centers will also be important to continued expansion of ICT access and use.
The document summarizes Nokia's vision of increased mobility across different domains including the enterprise domain. It discusses key aspects of the enterprise domain such as services, usage scenarios, management, and trends driving adoption of mobility. Extending mobility into the enterprise domain can provide more cost-effective communication solutions and improve productivity through increased accessibility of information and collaboration tools.
The document discusses various business models for mobile operators to generate revenue through monetizing subscriber data. It outlines moving from a carrier-centric to a user-centric model where operators form ecosystems to share revenue. A monetization integrated model is proposed to target customer segments with propositions based on usage data to increase ROI. Co-opetition as a strategy is discussed where operators cooperate to enlarge the market but compete on market share. Ideas for revenue-sharing models and cooperative awareness campaigns are provided.
This document discusses how intelligent session border controllers (SBCs) can help network operators meet challenges around network convergence, quality expectations, and profitability pressures. It outlines three key realities operators face: network convergence across services, networks and devices; demands for high quality of service; and declining revenues. Intelligent SBCs can provide insightful policy enforcement, holistic network visibility, and dynamic policy adaptation to help operators simplify, scale and secure their networks in the face of these challenges. The document provides examples of how intelligent SBC capabilities such as normalization, session management and routing can help operators manage traffic more efficiently while improving security, interoperability and customer experience.
Mobile retail summit 26 1-12 - incentivatedJason Cross
The document discusses how integrating mobile messaging and websites can help retailers reach shoppers. It notes that mobile users expect fast loading sites and are more likely to purchase from retailers with optimized mobile experiences. The company Incentivated is presented as a mobile marketing specialist that can help clients with acquisition, customer relationship management, and mobile commerce through technologies like SMS, mobile internet, apps, and location marketing.
Kotak Mahindra Bank wishes to establish itself as the pre-eminent bank for the mass affluent in India. While its 6% interest rate on savings accounts was successful, competitors have matched this rate. Kotak needs to improve in other marketing mix levers to differentiate itself. A consumer survey found that customers value convenience, trust, rewards, and advice. This implies Kotak should focus on customer engagement through social media, reward loyalty programs, and provide expert advice on products.
- The document discusses how telecommunications operators need to evolve their B/OSS (Business and Operational Support Systems) to successfully monetize high-speed 3G and LTE mobile data services.
- Traditional B/OSS may not support new pricing models, multiple devices per user, and real-time service changes needed for data monetization.
- A centralized, real-time charging platform is proposed to provide flexibility, fast time-to-market for new services, and ability to support dynamic offers/pricing needed to maximize profits from mobile data.
1) The document discusses key trends in the telecommunications industry in India such as rising mobile subscriber base and growth of mobile value-added services (VAS).
2) It describes the evolving ecosystem for mobile VAS in India and how revenue is shared between different players like content providers, VAS aggregators, and mobile operators.
3) Several use cases are presented showing how services could integrate across networks and devices to provide personalized experiences for users through features like electronic programming guides, alerts, and customized content.
The document discusses the online video platform (OVP) market. It provides an overview of the market and outlines key trends, including convergence in the market and consolidation and partnerships between companies. The OVP market is still evolving, especially in emerging markets, and presents opportunities for revenue growth from services. The market is expected to grow from $212 million in 2010 to $364 million in 2015, driven by increasing broadband penetration and the rise of mobile video. North America and Latin America currently make up the largest segment of the market.
2007 Keynote Address - To Electronics Industry Supply Chain AssociationPaul Brody
The document discusses the increasing importance of collaboration in global supply chains. It notes that product innovation alone is no longer sufficient, and that operational and business model innovations are becoming more difficult to achieve. Extreme collaboration across organizations is now required to compete successfully. The document provides examples of how consumer electronics companies have increased collaboration across previously separate functions like R&D, manufacturing, and marketing to develop and deliver innovative new products. It argues collaboration is now core to business strategy and tightly integrated into operations.
Onedesk is a retail payment network that connects service providers to retailers. It offers a unified payment and service delivery platform. This allows service providers to leverage Onedesk's retail network and offer transactions like bill payments, prepaid reloads, and cash withdrawals to customers. Onedesk has partnerships with large retailers, banks, and corporations to provide these services across its network. The platform supports multiple payment modes including cash, cards, mobile banking, and cash cards.
This document provides an overview of Compuware's Mobile Center of Excellence (CoE). It discusses Compuware's company highlights and mobile computing strategy with case studies. It then describes the goals and structure of the Mobile CoE, including its leadership team, focus areas like adaptive agile development and emerging technologies, and the importance of partnerships. The Mobile CoE aims to help organizations implement effective mobility strategies through its innovative processes and network.
This document summarizes key points from the LTE North America 2012 conference. The conference focused on heterogeneous networks and RAN issues. Heterogeneous networks include a mix of cell sizes and technologies like WiFi that provide coverage. However, handovers between cells remain a challenge. The conference also discussed using cable infrastructure to provide WiFi coverage and opportunities for mobile virtual network operators in Latin America. Overall the conference took an engineering-focused approach to network issues rather than the customer experience.
This document provides information about TechTree IT Systems, an IT service provider founded in 2005. It details TechTree's vision, organizational history, solutions for various industries including e-commerce, mobile applications, products, global presence, and employee benefits. The document includes case studies of projects completed for clients such as IRCTC, Standard Chartered, and Malayala Manorama.
The State of the Communications Industry by Blair Pleasant of COMMfusionChristina Inge
Unified communications (UC) integrates communications tools and applications to improve business processes, enhance employee productivity, and reduce costs. The document discusses trends driving UC adoption such as mobile workforces and consumerization of IT. It provides an overview of the UC market size and growth expectations. Challenges to UC adoption include high costs, lack of clear ROI, and interoperability issues between products. The future of UC includes increased mobile and cloud-based options, as well as integration with social media and collaboration tools.
The Indian MVAS market is predicted to grow at a CAGR of 25% between 2012 and 2015 to reach US $9.5 billion in 2015, from an estimated US $4.9 billion in 2012. The estimate comes from a report jointly commissioned by Wipro Technologies and The Internet and Mobile Association of India (IAMAI).
TME Pricing Strategies for Mobile Broadband ServicesCapgemini
Innovative mobile broadband services pricing strategies for telcos
As portable devices and social networking services become more widespread, telcos have the opportunity to improve their customer engagement by developing end-to-end digital sales and service strategies. But that requires a full transformation of systems and business operations. Robust analysis tools will play a key role, with growing volumes of valuable data on the behavioral and demographic patterns of customers.
A successful digital transformation, including network-facing operations, will lead to better customer relationships, new revenue streams, and more streamlined processes. This whitepaper examines how operators can fully exploit digital channels and business analytics tools, outlining the benefits as well as the key challenges they face.
Bridgewater Systems 2008 Marketing ReportTMX Equicom
2008 marketing report for Bridgewater Systems (TSX: BWC), a provider of mobile personalization products and services that enable global service providers to manage and profit from mobile data services, content and commerce.
The document discusses building an effective network of mobile money agents. It notes that while mobile money allows transactions via phone, users still need agents to convert cash to electronic money and vice versa. A good agent network is ubiquitous, trustworthy, low-cost, and liquid. Mobile network operators' existing airtime distribution networks provide a starting point, but mobile money requires different economics and management due to its two-way liquidity needs. Building a successful mobile money service requires carefully designing and overseeing an appropriate agent network.
Daytona Sessions vol.1 - Johan Ragnevad - Five years - an Internet eternity, ...Daytona
This document discusses lessons learned from more than ten years of mobile operator struggles to capitalize on new technologies and business models. It argues that mobile operators have focused too much on carrier-grade features rather than what consumers want, which are good-enough, coolest technologies. While operators separated access from content, the mobile world did not follow this model, and one integrated ecosystem has proven most successful. The document suggests operators enable key Internet capabilities on mobile networks and embrace a more web-centric approach to remain relevant in the future mobile internet landscape.
Gil 2012 Africa: Mega Trends Africa Telecoms and iIT by Chantel LindemanSamantha James
The document discusses opportunities and trends in the ICT sector in Africa between 2012-2020. It finds that mobile and wireless will see the most growth, increasing from $180 billion in 2012 to $300 billion by 2020. Data centers are also poised for significant growth, growing from a $2 billion market in 2012 to $6 billion by 2020. Mobile broadband and the number of mobile subscriptions will be key drivers of internet growth across Africa over this period, with over 1 billion Africans expected to own a mobile device by 2020. Localization of technologies like tablets and data centers will also be important to continued expansion of ICT access and use.
The document summarizes Nokia's vision of increased mobility across different domains including the enterprise domain. It discusses key aspects of the enterprise domain such as services, usage scenarios, management, and trends driving adoption of mobility. Extending mobility into the enterprise domain can provide more cost-effective communication solutions and improve productivity through increased accessibility of information and collaboration tools.
The document discusses various business models for mobile operators to generate revenue through monetizing subscriber data. It outlines moving from a carrier-centric to a user-centric model where operators form ecosystems to share revenue. A monetization integrated model is proposed to target customer segments with propositions based on usage data to increase ROI. Co-opetition as a strategy is discussed where operators cooperate to enlarge the market but compete on market share. Ideas for revenue-sharing models and cooperative awareness campaigns are provided.
This document discusses how intelligent session border controllers (SBCs) can help network operators meet challenges around network convergence, quality expectations, and profitability pressures. It outlines three key realities operators face: network convergence across services, networks and devices; demands for high quality of service; and declining revenues. Intelligent SBCs can provide insightful policy enforcement, holistic network visibility, and dynamic policy adaptation to help operators simplify, scale and secure their networks in the face of these challenges. The document provides examples of how intelligent SBC capabilities such as normalization, session management and routing can help operators manage traffic more efficiently while improving security, interoperability and customer experience.
Mobile retail summit 26 1-12 - incentivatedJason Cross
The document discusses how integrating mobile messaging and websites can help retailers reach shoppers. It notes that mobile users expect fast loading sites and are more likely to purchase from retailers with optimized mobile experiences. The company Incentivated is presented as a mobile marketing specialist that can help clients with acquisition, customer relationship management, and mobile commerce through technologies like SMS, mobile internet, apps, and location marketing.
Kotak Mahindra Bank wishes to establish itself as the pre-eminent bank for the mass affluent in India. While its 6% interest rate on savings accounts was successful, competitors have matched this rate. Kotak needs to improve in other marketing mix levers to differentiate itself. A consumer survey found that customers value convenience, trust, rewards, and advice. This implies Kotak should focus on customer engagement through social media, reward loyalty programs, and provide expert advice on products.
- The document discusses how telecommunications operators need to evolve their B/OSS (Business and Operational Support Systems) to successfully monetize high-speed 3G and LTE mobile data services.
- Traditional B/OSS may not support new pricing models, multiple devices per user, and real-time service changes needed for data monetization.
- A centralized, real-time charging platform is proposed to provide flexibility, fast time-to-market for new services, and ability to support dynamic offers/pricing needed to maximize profits from mobile data.
1) The document discusses key trends in the telecommunications industry in India such as rising mobile subscriber base and growth of mobile value-added services (VAS).
2) It describes the evolving ecosystem for mobile VAS in India and how revenue is shared between different players like content providers, VAS aggregators, and mobile operators.
3) Several use cases are presented showing how services could integrate across networks and devices to provide personalized experiences for users through features like electronic programming guides, alerts, and customized content.
The document discusses the online video platform (OVP) market. It provides an overview of the market and outlines key trends, including convergence in the market and consolidation and partnerships between companies. The OVP market is still evolving, especially in emerging markets, and presents opportunities for revenue growth from services. The market is expected to grow from $212 million in 2010 to $364 million in 2015, driven by increasing broadband penetration and the rise of mobile video. North America and Latin America currently make up the largest segment of the market.
2007 Keynote Address - To Electronics Industry Supply Chain AssociationPaul Brody
The document discusses the increasing importance of collaboration in global supply chains. It notes that product innovation alone is no longer sufficient, and that operational and business model innovations are becoming more difficult to achieve. Extreme collaboration across organizations is now required to compete successfully. The document provides examples of how consumer electronics companies have increased collaboration across previously separate functions like R&D, manufacturing, and marketing to develop and deliver innovative new products. It argues collaboration is now core to business strategy and tightly integrated into operations.
Onedesk is a retail payment network that connects service providers to retailers. It offers a unified payment and service delivery platform. This allows service providers to leverage Onedesk's retail network and offer transactions like bill payments, prepaid reloads, and cash withdrawals to customers. Onedesk has partnerships with large retailers, banks, and corporations to provide these services across its network. The platform supports multiple payment modes including cash, cards, mobile banking, and cash cards.
This document provides an overview of Compuware's Mobile Center of Excellence (CoE). It discusses Compuware's company highlights and mobile computing strategy with case studies. It then describes the goals and structure of the Mobile CoE, including its leadership team, focus areas like adaptive agile development and emerging technologies, and the importance of partnerships. The Mobile CoE aims to help organizations implement effective mobility strategies through its innovative processes and network.
This document summarizes key points from the LTE North America 2012 conference. The conference focused on heterogeneous networks and RAN issues. Heterogeneous networks include a mix of cell sizes and technologies like WiFi that provide coverage. However, handovers between cells remain a challenge. The conference also discussed using cable infrastructure to provide WiFi coverage and opportunities for mobile virtual network operators in Latin America. Overall the conference took an engineering-focused approach to network issues rather than the customer experience.
This document provides information about TechTree IT Systems, an IT service provider founded in 2005. It details TechTree's vision, organizational history, solutions for various industries including e-commerce, mobile applications, products, global presence, and employee benefits. The document includes case studies of projects completed for clients such as IRCTC, Standard Chartered, and Malayala Manorama.
The State of the Communications Industry by Blair Pleasant of COMMfusionChristina Inge
Unified communications (UC) integrates communications tools and applications to improve business processes, enhance employee productivity, and reduce costs. The document discusses trends driving UC adoption such as mobile workforces and consumerization of IT. It provides an overview of the UC market size and growth expectations. Challenges to UC adoption include high costs, lack of clear ROI, and interoperability issues between products. The future of UC includes increased mobile and cloud-based options, as well as integration with social media and collaboration tools.
The Indian MVAS market is predicted to grow at a CAGR of 25% between 2012 and 2015 to reach US $9.5 billion in 2015, from an estimated US $4.9 billion in 2012. The estimate comes from a report jointly commissioned by Wipro Technologies and The Internet and Mobile Association of India (IAMAI).
TME Pricing Strategies for Mobile Broadband ServicesCapgemini
Innovative mobile broadband services pricing strategies for telcos
As portable devices and social networking services become more widespread, telcos have the opportunity to improve their customer engagement by developing end-to-end digital sales and service strategies. But that requires a full transformation of systems and business operations. Robust analysis tools will play a key role, with growing volumes of valuable data on the behavioral and demographic patterns of customers.
A successful digital transformation, including network-facing operations, will lead to better customer relationships, new revenue streams, and more streamlined processes. This whitepaper examines how operators can fully exploit digital channels and business analytics tools, outlining the benefits as well as the key challenges they face.
Bridgewater Systems 2008 Marketing ReportTMX Equicom
2008 marketing report for Bridgewater Systems (TSX: BWC), a provider of mobile personalization products and services that enable global service providers to manage and profit from mobile data services, content and commerce.
The document discusses building an effective network of mobile money agents. It notes that while mobile money allows transactions via phone, users still need agents to convert cash to electronic money and vice versa. A good agent network is ubiquitous, trustworthy, low-cost, and liquid. Mobile network operators' existing airtime distribution networks provide a starting point, but mobile money requires different economics and management due to its two-way liquidity needs. Building a successful mobile money service requires carefully designing and overseeing an appropriate agent network.
This is the paper that started it all. An early thought piece discussing the widening profitability gap for mobile network operators and positing a disruptive architectural response. Originally branded "Adaptive Backhaul", the concept already had most of the ingredients now found in the Mobile Edge Cloud: content caching, application hosting and acceleration deeply distributed in the radio access network. These ideas have been developed by innovative startups such as Saguna Networks and have formed the basis of important new offerings from Tier 1 network equipment vendors, such as NSN's Liquid Applications.
1) Roaming services face challenges in evolving to meet modern needs due to fragmented frequency band deployments and a lack of customized package and control options. WiFi roaming also has issues around lack of standard handover algorithms and interface definitions.
2) The ITU proposes a new "Ubiquitous Consumer Wireless World" model that separates access and core network providers from authentication providers to create a more seamless global roaming experience not tied to specific operators.
3) While roaming has been successful for operators, regulations and changing usage behaviors require new charging models and tools to help users understand and control roaming costs and experiences. The UCWW model presents an opportunity to re
Talking SIP empowers the MVNA, MVNE and MVNO to excel in all areas of their telecom offerings with a platform that converges mobile and VoIP. This significant level of convergence positions the mobile operator to provide a complete suite of mobile voice, data and SMS services along with compelling VoIP services for redundancy and cost reduction for the consumer, enterprise and M2M markets.
How Telecoms Can Adjust To The Reality Of The Digital EraComarch
'It is important to gently transition the technology into people’s everyday lives and get them used to the fact that their devices can now talk, something that wasn’t previously possible' - says Michiel Nuytemans, Comarch OSS Solution Manager.
How Telecoms Can Adjust To The Reality Of The Digital EraComarch
'It is important to gently transition the technology into people’s everyday lives and get them used to the fact that their devices can now talk, something that wasn’t previously possible' - says Michiel Nuytemans, Comarch OSS Solution Manager.
Download the article to learn how to provide service continuity in the era of more and more complex networks!
This white paper discusses harnessing the power of the mobile cloud. It defines a mobile cloud as a set of hosted services that shields enterprises from the complexities of mobility and enables them to focus on building mobile apps. The mobile cloud provides advantages like faster time to market, ease of deployment, reliability, scalability, support and lower cost of ownership compared to building mobile infrastructure internally. It concludes that the Antenna mobile cloud is a proven solution that leverages these advantages for its customers.
The document discusses data offloading strategies using Wi-Fi networks to reduce congestion on cellular networks. It describes how the ANDSF (Access Network Discovery and Selection Function) specification allows for dynamic data offloading between 3GPP and non-3GPP networks like Wi-Fi. The Greenpacket solution uses an intelligent client that enforces operator policies in real-time to selectively shift data traffic from 3G to Wi-Fi networks based on factors like location, time of day, application type, and network conditions to improve the user experience while balancing network load. The ability to control which applications remain on cellular and which shift to Wi-Fi allows operators to better manage quality of experience and retain visibility of traffic patterns.
This document discusses how cloud computing has influenced e-commerce businesses. It defines cloud computing and notes that it allows organizations to conduct business without developing their own IT infrastructure. E-commerce gives flexibility to sell products online without a physical storefront. There are five elements involved in e-commerce activities in cloud computing: customers, suppliers, banks, e-commerce companies, and cloud service providers. Cloud computing benefits e-commerce by making infrastructure and software accessible in a pay-as-you-go model, reducing costs and allowing businesses to focus on their core operations.
OSS/BSS Explained, Part 1: It used to be simple, now a massive transformation...Ericsson OSS/BSS
Customer experience is the foremost reason why operations and business support systems (OSS/BSS) have become a key area of investment for any communications services provider.
Learn more about Ericsson OSS/BSS: http://www.ericsson.com/realize
The document discusses how carriers can change their mobile broadband strategies to better address challenges from increasing data usage and over-the-top players. It recommends that carriers gain a deeper understanding of how customers use their smartphones and data to help differentiate services and optimize networks. Carriers should also explore managed service models to partner with third-party content and app providers to stimulate mobile data usage rather than trying to be direct content providers themselves. Implementing end-to-end policy control and quality of service management can help carriers enable popular apps and deliver new service offerings.
The document discusses a vision for improving the customer experience in banking through digital innovation. It proposes developing alternative mobile payment methods using technologies like NFC, expanding digital wallet features to replace physical loyalty cards, and streamlining interactions within a user's financial network by linking accounts to mobile phone numbers. The suggested solutions aim to maximize convenience using existing technologies and open platforms to attract further innovation from startups.
USING MOBILE SERVICE FOR SUPPLY CHAIN MANAGEMENT: A SURVEY AND CHALLENGESijwscjournal
Efficient supply chain management calls for robust analytical and optimal models to automate its process. Therefore, information technology is an essential ingredient that integrates these tools in supply chain. With the emergence of wireless, the high technologies and the reliability of mobile devices, mobile web services draw a promising horizon facing economic challenges. They offer new personalized services to each actor in the supply chain on their mobile devices at anytime and anywhere. This paper presents a literature review of mobile web service implemented on the industry context based on the supply chain management approach. First, a large definition of mobile web service and some proposal architecture are
exposed. Then the paper discuss some generic related work on mobile web service focusing on supply chain management. Finally some challenges on m-service oriented supply chain management are proposed.
USING MOBILE SERVICE FOR SUPPLY CHAIN MANAGEMENT: A SURVEY AND CHALLENGESijwscjournal
This document summarizes research on using mobile web services for supply chain management. It first defines mobile web services and discusses architectures and classifications. It then reviews literature on mobile web service technologies, focusing on proposed architectures, discovery approaches, and other areas. The document discusses supply chain management and how information technologies can help integrate tools. It analyzes papers on applying mobile web services to optimize supply chain processes and coordination between actors. Finally, it proposes a model for a company's supply chain based on mobile web service tasks to improve communication and flexibility.
Similar to towards flexible mobile payment via mediator-based service model (20)
It's not about beacons
It's about creating an interactive world,
It's about amusing with different services
It's about promoting your value
It's about location relations
It's about profiling behaviors
It's about capturing shoppers
It's about pushing sales staff
It's about performance marketing
It's really not about beacons.
Boni is a company that uses beacon technology and a mobile app to engage shoppers both online and offline. Their solution involves using iBeacons and mobile apps to provide personalized ads, loyalty programs through rewarding non-spending behaviors, and targeted engagement. Boni has over a year of experience in the market as the first mover with beacon technology and an app designed for retail. Their strategy is to continue focusing on deploying beacons in malls, targeting end-users, and providing an attractive platform for retailers to advertise in order to multiply their client base and drive growth.
The document discusses the results of a survey of mobile consumers and merchants. It finds that while mobile shopping is still in early stages, consumers are increasingly using smartphones to research products and prices both before and during shopping trips. Many merchants have begun mobile initiatives but most see low revenue from mobile currently and have modest investment plans for the coming year.
This document provides a high-level overview of mobile payments for the Single Euro Payments Area (SEPA) according to the European Payments Council (EPC). It discusses the evolution of mobile services in SEPA and the business rationale for mobile payments. Mobile phones have achieved widespread penetration in Europe, making them ideal for leveraging SEPA payment instruments like cards and credit transfers. The document outlines EPC's vision and priorities for mobile payments, including analyzing mobile contactless card payments in detail. It also provides illustrative usage scenarios and a classification of different mobile payment categories. The intended audience includes payment providers, customers, merchants, and other stakeholders.
Mobile learning transforming the delivery of education and trainingBoni
This book examines the use of mobile technologies to enhance education and training. It is edited by Mohamed Ally and contains 13 chapters contributed by authors from various countries and institutions. The book covers topics such as current and emerging uses of mobile learning, frameworks for mobile learning, research on using mobile devices in different educational contexts, and applications of mobile technologies in both formal and informal learning environments. The goal of the book is to explore how mobile devices can transform education delivery and support learning anywhere and anytime.
1) Mobile payments are emerging as a new way for consumers to pay for goods and services using their mobile phones.
2) There are two main types of mobile payments - remote payments that don't require being near a POS terminal, and proximity payments that do.
3) While mobile payments are widely used in some countries like Japan and the Philippines, there are still barriers to their broader adoption in the US, such as differences in laws and lack of need beyond existing payment methods.
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towards flexible mobile payment via mediator-based service model
1. Towards Flexible Mobile Payment via Mediator-based Service Model
Charles Chong Hui-Na Chua Cheng-Suan Lee
Asian Research Centre Asian Research Centre Asian Research Centre
British Telecommunications plc British Telecommunications plc British Telecommunications plc
Cyberjaya, Selangor Malaysia. Cyberjaya, Selangor Malaysia. Cyberjaya, Selangor Malaysia.
+603 8313 7175 +603 8313 7175 +603 8313 7175
charles.chong@bt.com hui.chua@bt.com chengsuan.lee@bt.com
ABSTRACT download their ring-tone content such as polyphonic tunes and
true tunes.
Applications and digital goods for mobile devices have been
Typically, the content will be delivered to mobile subscriber
around for more than a decade. Recent technology development
using premium SMS charging method where subscribers will be
has also driven the use of mobile commerce technology. Mobile
charge a premium rate for the content received through SMS.
commerce is another form of payment but it has the ability to
By implementing revenue sharing model, content or service
embrace new ideas concerning digital money as mobile device
provider will share the revenue with mobile operators. Hence, ,
have grown to become an essential personal needs. A range of
revenue collection is a difficult task as it needs to go through
businesses have already been thinking along these lines and
various reconciliation processes with the mobile operators.
tried to gear their ideas towards using the mobile phone as a
Furthermore, this revenue sharing model has caused a large
payment device with the aim of making life simpler for
chunk of the revenue to be ripped by mobile operators. As a
consumer. Some applications are already driving the use of
result, a large portion of the revenue is distributed between
mobile phone as payment device with the purchase of digital
mobile operators and media advertisers, causing service
goods such as ring-tones and games but this is just the
providers to gain a trivial profit out of the value chain.
beginning, as long as the technologies can iron out their
differences and formulate a more cohesive technology platform.
With these problems, we propose a Mediator-based Payment
This paper suggests a mobile web services concept framework
Service (MPS) model to allow flexible payment mechanisms for
solution which allows mobile payment with flexible payment
mobile consumers and service providers by keeping service
options for mobile consumers.
providers from solely relying on mobile operators to implement
their service or sell their content to mobile consumers. Whilst
Categories and Subject Descriptors mobile consumers will have alternative payment options through
C.2.4 [Distributed Systems] our proposed payment service model.
This paper is organized as follow. We give a brief description
General Terms on related work in next section. In section 3, we explain the
Design model framework and the logical components of our proposed
Mediated-based Payment Service model. In section 4, we
Keywords present the system implementation of the proposed model.
Mobility, web services, mobile payment, middleware, agents Section 5 explains the analysis and discussion of our work and
finding. We conclude this paper in section 6.
1. INTRODUCTION 2. RELATED WORK
Digital goods such as ringtones and mobile games normally go A number of works to improve the current service level of
through media such as websites, newspapers and TV transaction and service delivery platforms have been proposed.
advertisements to promote their sales. For instance, ring-tone However, most of their focus is either on transaction platform or
providers will have to publish their advertisements in local new service delivery platform but not both.
papers and television channels to attract mobile subscribers to
[13] proposed a M-Payment architecture which links up
Permission to make digital or hard copies of all or part of this work for operator, service providers and banking institution. The
personal or classroom use is granted without fee provided that copies architecture generally allows mobile consumers to purchase
are not made or distributed for profit or commercial advantage and that content/services using SMS, WAP or Web through mobile
copies bear this notice and the full citation on the first page. To copy device. This solution has introduced the alternative payment
otherwise, or republish, to post on servers or to redistribute to lists,
concept but does not provide sufficient study on the service
requires prior specific permission and/or a fee.
ICEC’06, August 14–16, 2006, Fredericton, Canada.
delivery. For instance, the usage of web services as mean of
Copyright 2006 ACM 1-59593-392-1.” …$5.00.
295
2. communication between the architecture and service provider is
not included in this study.
Chang, Chen and Tseng [15] proposed a Mobile Commerce
Framework based on web services architecture that adopts the
concepts of publish, find and bind operation. The study focuses
mainly on the use of web services in different stages of mobile
commerce operation. Publish operation allows content and
service providers to publish their contents and services while
find operation allows mobile consumers to locate the required
service or content. Bind operation binds both the parties
together to complete the retail cycle of mobile commerce. This
study provides architecture on content and service matching but
does not consider the interaction between financial institute and
service providers.
McKitterick [14] proposed a web service based mobile payment
framework. The framework consists of a web service flow
between device client and payment server. However, the author
did not emphasize on the communication between content or
service provider with mobile consumer.
Our solution proposes a mediator-based payment service (MPS)
model which considers mobile commerce services from mobile
consumer, merchant and mobile operators perspectives to
provide a more comprehensive web service based mobile
commerce framework for the above-mentioned parties. Figure 1. Payment Service Agency Architecture
3. MPS MODEL FRAMEWORK When a mobile consumer makes an order request, the PSG will
The proposed MPS model is a 3-tier model, which involves authenticate and verify consumer profiles such as preferred
system components such as Payment Service Gateway server payment mode and payment details. A mobile consumer will
(PSG), Client application, Payment Service Providers server need to register with PSG which offers federated Identity service
(PSP) and 3rd party content/service provider server (CP). The capabilities in order to avoid repetition of keying payment
implementation of a multi-tier model allows better scalability details into the mobile device, such as credit card details.
and security control for the payment service platform. One of the Federated Identity management capability allows consumers to
advantages of multi-tier platform is its flexibility in deploying use the same consumer name, password or other personal
new functional features by introducing a new tier-ring into the identification to sign on to the networks of more than one
existing structure. Figure 1 presents the framework of the platform in order to conduct payment transactions. This will
proposed Mediator-based Payment Service (MPS) model. allow companies to share applications without needing to adopt
the same technologies for directory services, security and
3.1 Payment Service Gateway Server (PSG) authentication.
The Payment Service Gateway server (PSG) provides the
business logic and interfaces to remote systems, i.e. Payment User provisioning capability is provided to enable system
Service Providers server (PSP) and Content/Service Providers consumers to be granted access to the system and for day to day
server (CP). monitoring and management to be performed. This is provided
in the form of an administration portal.
The PSG connects mobile consumers to multiple types of
services without the constraint of mobile operator’s limitation.
The PSG server acts as mobile web services “payment
3.2 Client Component
The client application resides on the mobile device and
facilitator” that provides the mechanisms for managing order
communicates to the servers using web services invocation
request (can be either sent by mobile consumer or
method [24]. The client browser component enables XML
content/service provider), payment authentication processes and
(Extensible Markup Language) compliant format message to be
consumer profiles/sessions. It performs the authentication of
delivered to the client. The handling of all XML messages is
transaction parties and the authorization of the payment
done by using generic XML parsing method [16]. However, the
settlement. The results of authentication and consumer
client in this system is designed to handle two types of XML
profiles/session verification are then sent back to the CP. For an
messages, generic web service and proprietary Really Simple
authorized mobile consumer, the request content/service URL
Syndication (RSS) [17] document which is updated by content
(Uniform Resource Locater) is sent to the consumer through
providers.
HTTP (Hyper Text Transfer Protocol) connection.
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3. When the mobile consumer chooses a particular service offered 3.3 Communications Between PSG and
by a specific content/service provider, the URL (Uniform
Resource Locator) of the RSS document is sent to the mobile Client
client. Given ringtone service as an example, the list of ringtone In order to allow PSG to monitor transactions closely as to
offered by a particular content/service provider is sent to the ensure the payment transactions are delivered securely, we
mobile client in RSS document format. The RSS parsing engine proposed multi-staging approach which multiple agents are
in client will parse the RSS Document. placed in respective stage to perform specific functions. In this
approach, agents are placed in mobile client (device stage) and
This RSS document contains proprietary fields which are PSG (transactions stage). The agents are responsible to
needed for multiple format content aggregation. The RSS feedback the device client information from device stage to
format displays text-based content aggregation, which can be transaction for further processing. This information includes
supported by most of the device clients. The RSS document CPU (Central Processing Unit) speed, execution memory,
contains information such as provider information and the storage space and Java Virtual Machine (JVM) version
service/content details. An example of the RSS document is information.
shown as follow.
Device Stage Transaction Stage
<?xml version="1.0" encoding="ISO-8859- Information
1"?> transferred
<rss version="2.0"> through
a0 agents a1
<merchant>
<provider>
<name> World News </name>
<id>10002</id>
<rsscat> Client Agent Service Agency Server
International News
</rsscat>
<rsscatid>20008</rsscatid>
<lastupdated> Figure 3. Multi-staging Process for Transactions Monitoring
Tue, 28 Jun 2005 17:11:30 GMT
</lastupdated>
</provider> Figure 3 presents the multi-staging approach process.
<item> After receiving feedback information such as network
<name> bandwidth, speed, device compatibility and security from agent,
U.S Chopper Down in Afghanistan a0, in device stage, transaction stage will plan for necessary
</name> actions and transfer the information, through agent a1, for
<itemid>30024</itemid> further executions. The problems encountered during the
<type> Digital </type> execution of the transaction will be tracked within the stage
<desc> U.S Army today announced itself.
that one of its chopper has been
shot down by Afghanistan rebellion With multiple agents in different stages, the system will have
troops. </desc> better control on transaction delivery assurance as problems can
<currency> USD </currency> be identified in local environment. There are two mechanisms
<price>0.03</price>
we applied for the client agents to handle the transaction
<pubdate>
problems that might be encountered, namely time-out handling
Thu, 23 Jun 2005 08:21:00 GMT
</pubdate> and information caching.
</item>
</provider> 3.3.1 Time-Out Handling
</merchant>
Time-out technique mainly handles the network issues which
Figure 2. Example of RSS Document might arise due to unstable mobile network conditions. Timeout
technique deals with uncertain situations where systems cannot
communicate with each other due to failures. We incorporate the
The client intelligent component provides the core business time-out technique to deal with system or network failure. In
logic such as providing the presentation of the GUI to the this technique, a variable time-out value is set by mutual
mobile consumer, handling consumer’s request and agreement of the respective agents before the execution of a
corresponding server response such as PSG or CP. If the transaction. The PSG will be responsible to negotiate with the
consumer opts to purchase any content or service, the request transaction operations to reach the agreement.
will be sent to CP and the payment process will be handled at
the PSG which communicates with the PSP. After the expiry of the timeout interval, transaction operations
are free to perform the necessary actions such as rollback,
compensation or replacement. In such case, if the mobile data
network is extremely slow, the agents in device stage will inform
297
4. the transaction stage server to extend the time-out period for the 3.5 Content/Service Provider Server (CP)
transaction. This will avoid unwanted time-out operations where The Content/Service Provider server (CP) contains the digital
consumer will need to repeat their transaction process again. content or services requested by the mobile consumer. The roles
of CP involve forwarding order requests to the PSG, relaying
3.3.2 Information Caching authorization requests back to the consumer and delivery of the
The purpose of applying caching mechanism is to reduce the content/service. There are 3 key elements in the components
rate of broken and roll-back transaction by optimizing and namely content catalogue generator, content delivery mechanism
breaking up large data chunks into smaller pieces to be and payment interface.
transferred over mobile environment. Caching mechanism also Content catalogue generator plays a role in generating the
cache necessary information needed for the transaction in the catalogue of various contents provided by the provider
case of network unavailability. This technique will reduce the themselves. The generator sits in content provider’s server and
rate of broken transaction and hence enable mobile network to generates content catalogue in RSS document format
increase their data network efficiency. When the transaction is periodically. The RSS document will be parsed by mobile
disconnected in the middle of delivering transaction, the caching device client software which reorganizes the data and represents
system will store the required information to be transacted them in device compatible format.
accordingly.
Content delivery mechanism functions to deliver the
The caching system also estimates the battery life and decide on service/content upon the completion of the payment transaction.
the total amount of information needs to be cached for secured CP’s payment interface allows PSG to acquire pricing
and assured transactions. For instance, if the agent in device information from the server for specific content/services. The
stage detected that the transaction file size is huge and the pricing information will be used to calculate the amount charged
battery life is short, caching techniques will be applied to slice to mobile consumer for purchasing the specific content or
the file size and sent to the transaction server part by part. If the services.
transaction is halted due to battery life, the consumer will only
need to re-perform the transaction by sending the remaining data 4. IMPLEMENTATION
to the transaction server. We implemented a simple prototype to evaluate the concept of
our proposed mediated-based payment model framework. The
process flow of the model framework is presented in Figure 4.
3.4 Payment Service Provider Server (PSP)
The Payment Service Provider server (PSP) is responsible for The PSG is developed using JBoss 4.0 application server
the payment charging and transaction controls. The PSP components that exposes a range of mobile web services to the
controls the payment charging between the mobile consumer device based client. The PSG functional components are
and the content/service provider. A PSP could be a network developed according to the standard use in Apache [19] Axis
operator, a financial institution, a credit card company or an [20] web service engine along with a security domain to enable
independent payment vendor. authentication of consumer requests.
The PSG interacts with the PSP through its web service or API The web services architecture communications are based on
(Application Program Interface). The PSG will interface with SOAP 1.1 [21], the field definitions of RSS documents are
different payment providers such as banking direct debit system, proprietary at this stage for the purpose of aligning and feeding
credit card payment system as well as online payment provider them into standards where appropriate. We adopt basic
such as Paypal [18]. The API of each provider will be authentication approaches for web services security such as WS-
interpreted by PSG and be exposed as a single API to Security [22] and SSL [28] encryption of the server.
content/service provider as payment collection option. For
instance, a mobile consumer who downloads content from a The client application component is developed as a J2ME
particular provider can opt for any of the payment method MIDlet application that offers the GUI interfaces, client business
describe as above. This eliminates the limitation of making logic and the ability to support secure dialogues with the server.
mobile payment using single payment option such as premium The PSG components provide web service connectivity to the
SMS. outside world and are implemented using KSOAP-2 [23] that
provides SOAP 1.1 and authentication capabilities.
The PSP is connected directly to PSG through its coordination
logic interface for charging and billing purposes. Once the The PSG supports heterogeneous devices ranging from PDA,
mobile consumer is authenticated, the charging flow will go mobile phones, PCs or set top box. The consumer can first log
through the PSP component to perform real-time online in into the PSG using single-sign-on mechanism allowing
payment. In this case, the PSP is connected to PSG that him/her to be authenticated throughout the whole process
implements federated identity management functions to manage without the need of multiple identity verifications. Following
authentication of consumer. The PSP is also connected to CP to that, the consumer will request service from the service provider
distribute the payment to content/service providers. Upon list downloaded through web service invocation method [24].
completing a payment transaction, the payment will be debited
to content/service provider account on a real-time basis. For PSP, we have chosen PayPalTM as the payment provider in
this prototype. Any other payment providers such as PLUS [25],
Visa [26] or MasterCard [27] can be added into the payment
298
5. provider list by service agency operator. As for service a way that web services are used as the core communication
providers, we have chosen news content and music content protocol. Since mobile consumers have time and device
service provider as sample service providers in this prototype. constraints in wireless environment, the use of web services is
crucial in delivering dynamic information. such as news and
Consumer information catalogue menus.
7. REFERENCES
7.
[1] Ali Al-Qayedi, Wael Adi, Ahmed Zahro, Ali Mabrouk.
1. Sign On Deliver Combined Web/Mobile Authentication for Secure Web
Service
2. Request Service Access Control, Proceedings of the WCNC 2004
conference, IEEE Communications Society
4. Payment Service
Confirm Gateway (PSG)
Payment Component [2] Dominic Cooney, Paul Roe. Mobile Agents Make for
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Web Conference, Hyatt Sanctuary Cove, Gold Coast, from
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Provider Provider (CP)
(PSP) 3. Request [3] Mobile Service Delivery Platform, Solution Architects.
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[4] Takashi Yoshikawa, Ken Ohta, Tomohiro Nakagawa,
Shoji Kurakake. Mobile Web Service Platform for Robust,
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14th International Workshop on Database and Expert
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Figure 4. Prototype Service Process Flow
[5] Nokia Web Services Framework for Devices. Nokia
Corporation. 2004.
The screenshots in appendices show the content displayed and
user interfaces of our implementation work on the device client [6] David McKitterick and Jim Dowling. State of the Art
written using J2ME program. Review of Mobile Payment Technology Technical Report.
Trinity College Dublin, Computer Science Department.
5. DISCUSSION
Our proposed framework is generic, highly scalable and [7] Moon Jung Chung, Hong Suk Jung, Woongsup Kim, Ravi
modular. With our proposed model, the Payment Service Goplannalan, Hyun Kim. A Framework for Collaborative
Provider server (PSP) can be connected to any payment operator Product Commerce using Web Services. Proceedings of
ranging from financial institutes to payment vendor such as the IEEE International Conference on Web Services
PayPalTM. The use of web services architecture and RSS (ICWS '04), June 6 - 9, 2004, San Diego, California, USA.
technology in providing updated provider catalogues greatly IEEE Computer Society 2004.
reduce the overheads of data transfer as compared to normal
WAP or web pages. The use of RSS technology also eases [8] Seung-Seok Kang, Matt W. Mutka and Li Xiao .
devices in formatting the data according to different device Anonymous Content Sharing in Ad Hoc Networks.
display capabilities. Proceedings of the 3rd IEEE Int’l Conf. on Pervasive
Computing and Communications (PerCom 2005)
From the perspective of payment, content providers are able to
collect the payment almost instantly as opposed to the current [9] A R Dani 1, P Radha Krishna 1 and V Subramanian. An
premium SMS billing scenario. Micro payment is still preferred Electronic Payment System Architecture
over macro payment currently as mobile operator is not willing for Composite Payment Transactions.
to bear the risk of payment debts. As our system is flexibility
enough to distribute the risk to payment operator, it will spur up [10] Paolo Bellavista, Antonio Corradi. Mobile Middleware
more macro payment activities among mobile consumers. Solutions for the Adaptive Management of Multimedia
QoS to Wireless Portable Devices. Proceedings of the
6. CONCLUSION Ninth IEEE International Workshop on Object-Oriented
We have proposed a framework for mobile payment based on Real-Time Dependable Systems (WORDS’03)
mediated-based payment service model. A prototype has been
implemented to visualize and proof the concept of the model [11] Stan Kurkovsky. Using Principles of Pervasive Computing
framework. Mobile payment based on the proposed model to Design M-commerce Applications. Proceedings of the
provides flexible payment methods in offering mobile content or International Conference on Information Technology:
services to consumers. Web services architecture play an Coding and Computing (ITCC’05)
important role in designing the framework. As the proposed
model enables multiple services to interact with each others
using web services, the presented framework is designed in such
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6. [12] Xiaolin Zheng, Deren Chen. Study of Mobile Payments 8. APPENDICES
System. Proceedings of the IEEE International
Conference on E-Commerce (CEC’03)
[13] Vicent Paulbere, Strategies in Implementing M-Payment
systems. Ovum 2004.
[14] David McKitterick, A Web Services Framework for
Mobile Payment Services. M.Sc. Thesis, University of
Dublin, 2003.
[15] Yao-Chung Chang, Jiann-Liang Chen and Wen-Ming
Tseng. A Mobile Commerce Framework Based on Web
Services Architecture. Proceedings of the International
Conference on Information Technology: Coding and
Computing (ITCC’05)
[16] Extensible Markup Language. http://www.w3.org/XML/
[17] Really Simple Syndication.
http://www.xml.com/pub/a/2002/12/18/dive-into-
xml.html
[18] PayPal Inc. http://www.paypal.com
[19] Apache Web Server. http://www.apache.org/
Figure 5: User selects RSS Catalogue
[20] Axis Web Service Module for Apache.
http://ws.apache.org/axis/
[21] Simple Object Application Protocol.
http://www.w3.org/TR/soap/
[22] Web Service Security, IBM.
http://www-128.ibm.com/developerworks/library/ws-
secure/
[23] Ksoap for J2ME. http://ksoap.objectweb.org/
[24] Nirmal Mukhi, Aleksandor Slominski. The architecture
of Web Service Invocation Framework. IBM
DeveloperWorks Tutorial.
[25] PLUS ATM Network.
http://www.visadps.com/prod-plusatm.html
[26] Visa Credit Card Network. http://www.visa.com
[27] Mastercard Credit Card Network.
http://www.mastercard.com
Figure 6: List of content provider is returned to user’s
[28] Verisign Inc. http://www.verisign.com/ mobile device through web service protocol communications.
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7. Figure 7: User selects content provider “World News” and
list of news content is returned to user in RSS format.
Figure 8: User selects “World News” (from Figure 5). The
summarized content and pricing information is displayed on
user mobile device.
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