1. M-COMMERCE

2. Objective To understanding the basic of M- commerce
Benefit of M-commerce with small business
Know about technology that based on M-commerce
How to apply technology of M- commerce for business
Know about advantage and disadvantage of M-commerce

3. Introduction Ability to conduct commerce using a mobile device,
Mobile devices like mobile phones, personal digital assistants (PDAs) and other devices with a wireless connection.
Quite different from traditional of E- commerce.

4. COMMON MEAN OF PAYMENT

5. What is M- Commerce?
M-commerce is the buying and selling of goods and services through wireless handheld devices.
M-Commerce is the process of paying for services using a mobile phone or personal organizer.
A micropayment is an online transaction and can be used for digital content purchase such as music, news or consumer reports.

6. EVOLUTION

7. Messaging services and information based m-commerce services
Personal digital assistance
(PDAs)
Cellular phone

8. M-commerce benefit
Buyer:  Buyers can access the online products catalogs and buy the product of their choice as they can on a computer.
Companies:  Companies can display products on their websites and the buyers select the products through the mobile phones and other hand held devices.

9. For a small business could benefit from m- commerce.
Benefit for business
For a small business could benefit from m- commerce.
Finance Sectors
Selling a product or service
Telecommunication Sectors
Improving productivity

10. Advantage

11. Mobile payment types EMS, MMS 2.5G (Eg. GPRS) 3G
Mobile Content
Out of band
Proximity
Example
Anne is on holiday, and uses her Nokia 7650 to take a photo, adds audio comment, and sends it via MMS to Robert. She is charged $1 to her prepay account
An SMS notifies Anne that U2 concert tickets have just gone on sale. From an Internet café she browses to the ticket vendor site, books her tickets and pays with her Visa card. The payment authentication request
Appears on her mobile phone via SMS, and she authenticates using a personal PIN, digitally signing the order. A receipt is sent to her phone.
Back at home , Anne is at her photo and imagine shop; she transfers her holiday photos from her digital camera to the store computer over as Bluetooth link; the payment request is sent to telephone, also over Bluetooth, where she accepts it, and her credit card information is returned to the store point of sale device.
Technology
Enablers
EMS, MMS
2.5G (Eg. GPRS) 3G
SMS, SIM Toolkit application, WAP Push, WPKI, Dual slot, Dual SIM, J2ME.
Bluetooth b, IrDA
Features
Meditation system integrated with real time stored value micropayment system
Wallet server with SMS and wireless PKI support, Acquiring gateway
Payment Java applet on mobile phone and point of sale device.

12. Disadvantage

13. EXAMPLES Mobile marketing Mobile banking Mobile ticketing
Micro payment

14. What is G-CASH?
Cash-less and card-less micro payment over a mobile phone.
The country’s first and only mobile wallet service
Purchase goods and services
Micro-finance applications
Tax and bill payments
Send and receive money person to person or P2P
Domestic and international remittances

15. Subscriber Registration
Send SMS: REG M-PIN/Mother’s Maiden
Name/First Name/Last Name/Addres
REG 1234 / Aurora Reyes/
Juan/ Dela Cruz/ 5 Santol St.,
Project 4, QC/
Subscriber
2882 SMS facility
Thank you Juan Dela Cruz for
registering to G-Cash on
08/12/04 at 10:30 a.m. You may
now use G-Cash. For more info,
reply to this msg with INFO. Ref
Confirms receipt of SMS with welcome text and corresponding trace number

16. Merchant:
Verifies identity of customer
Processes transaction
Collects payment
Sends G-Cash from outlet’s service unit to recipient’s mobile no. via P2P
• Recipient receives SMS advisory of G-Cash transfer
• Outlet’s service unit
receives SMS
acknowledgment with
confirmation number
Customer
goes to Outlet
to exchange
cash for GCash
Customer shows
valid Text-a-
Payment ID and
gives cash-in
amount and
service fee

17. P2P Transfer Enter amount and PIN. Send to 2882+10 digit
mobile no. of recipient
Fee: only P1.00/send
Both the sender and recipient receive a
SMS advisory with corresponding trace
number

18. Technology Bluetooth Wireless application protocol (WAP)
General Packet Radio Service (GPRS)
Short message service(SMS)
Bluetooth

19. Conclusion
The core of m-commerce is the use of a terminal (telephone, PDA, PC device) and public mobile network to access information and conduct transactions that result in the transfer of value in exchange for information, services or goods. Mobile Commerce refers to any transaction with monetary value that is conducted via a mobile telecommunications network.

20. PPT Source: www.studymafia.org