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Mobile Commerce has evolved as new
simpler ways to pay using mobile phones have been introduced
such as Premium SMS and Digital Goods such as ring tones
and ticketing emerging as popular services. Exacting
value from the mobile platform has become critical for
many companies to survive," said Mike Alban at
Arthur D. Little Inc., Cambridge, Massachusetts. "[It
is key that companies] understand and take advantage
of the capabilities of in-business, or the convergence
of in-commerce with traditional business practices.
An awesome mobile platform is emerging, through which,
in a few years, it will be possible to reach one billion
people. "Wireless technology has empowered us with
mobile communications and it will soon revolutionalize
the way we obtain information and transact.
Wireless
- mobileCommerce
If even the most conservative forecasts are to be believed,
any communications professional involved in developing
customer-facing applications should take the business
imperative of mCommerce seriously. Consider this basic
fact: mobile technology enables a unique customer communications
channel and nowhere is the impetus stronger than among
the mobile network operators for whom mCommerce and
the power of predictive CRM presents a real opportunity
to counter the ongoing effects of customer churn and
focus on boosting ARPU (average revenue per user). In
2001 credit card companies Visa, MasterCard and American
Express joined forces in an unprecedented way to create
the Mobile Payment Forum to create technical standards
for mCommerce to authenticate cardholder identities
and provide a secure mobile purchasing medium for their
customers; and in June 2002, smart card solutions vendor
Gemplus signed a strategic alliance with iPIN, the EPP
(enterprise payment platform) to provide new payment
capability for the prepay mobile market.
Smart Card
- Smart commerce
Thanks to its role in the rise of consumer-driven mobile
telephony--the SIM (subscriber identity module) card
which identifies the subscriber to the network operator
is a practically universal handset component--the smart
card is a keystone of the mCommerce industry, particularly
with its capacity to deliver more data-intensive wireless
applications as data speeds ramp up through GPRS and
on to 3G. The advent of Bluetooth, the short range ITS
band wireless data protocol, has endorsed the smart
card's position in localized mCommerce applications,
facilitating kiosk and close proximity transactions
like transport ticket purchases. Even the arrival of
WAP technology allowing mobile devices to access the
web and Internet- based services has kept the smart
card at the heart of mCommerce evolution; its WIM (WAP
Identity Module) specification requires smart card-based
authentication and digital signature technology to protect
the user's security. The evolution of STK (SIM application
toolkit) technology has helped to establish the basic
principles of mCommerce, allowing operators to update
or distribute applications securely across their networks,
and the financial sector to develop secure mobile banking
applications. The strength of the smart card has always
been its ability to allow the user to keep their identity
self-contained and separate from the device itself.
Above all else, the future of mCommerce depends on the
industry's success in persuading customers that they
can purchase and communicate in a secure and private
environment.
Smart cards enable the generation and
encryption of digital signatures which, combined with
PKI (public key infrastructure) technology, provide
the basis for a secure trading channel. With the added
protection of PIN-codes deployed both for SIM card-based
transactions and for the smart card-enabled credit card
transactions, enabled by dual-slot mobile devices there
is a solid foundation on which to build trusted customer
relationships. The higher data capacities of the latest
smart cards, combined with high-speed wireless networks,
mean that these traditionally bandwidth-consuming digital
security technologies, already established on the Internet,
can now be properly exploited by the mCommerce industry.
Rather than just containing the user's identity, the
SIM card will become a two-way customer communication
channel, allowing network operators and service providers
to get closer to their customers than ever before.
What and
how strategies do in mCommerce?
• m-Integration, including development and implementation
capabilities.
• expertise in the industry-leading vendor products
and those of emerging technology leaders.
• Bridges, EJBs, containers and interfaces that
tie together middleware and applications.
• mCommerce automation methodology, project planning
and management, embracing the entire process.
• Experienced consultants delivering proven m-Solutions.
• Delivering the world of mCommerce ... from startup
to finish
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