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M-Commerce Payment Systems
Abstract
With mobile operators having a large customer base and e-payments getting popular, there is a shift of focus on the huge potential that the mobile commerce (m-commerce) market offers. Mobile payment (m-payment) service is the core for the success of m-commerce. M-payments allow customers to buy digital goods from anywhere and anytime using Internet and mobile environments. Ubiquity, reachability, localization, personalization, and dissemination of information are the characteristics that favor m-payments and encourage the consumers and merchants to use them. This chapter examines various aspects of m-payments like architectures, limitations, security, and trust issues. It also discusses and compares the existing payment procedures of several different companies providing m-payment services. While exploring the advantages of shifting to m-payments, the problems that have to be dealt with when adopting new solutions are discussed. Finally, the chapter concludes by identifying a common set of requirements criteria for successful global m-payments.
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