Mobile-Payment

Mobile Payment (also M -Payment) are payment transactions in which at least the Debtor mobile electronic techniques for initiation, authorization or realization of payment used, such as using mobile devices such as mobile phones or tablet computers. Using mobile phones (cell phones ) used is referred to this specifically as a mobile payment ( mobile- based Scheinanglizismus for payment). Most payment processes are in the range of micro-payments, ie There are billed amounts from 0.01 to 5.00 euros. Widespread is the payment of mobile- related services such as ringtones, pictures or the like.

The system is not only used for this purpose, but can be used as a central payment platform for any type of service, for example for paying parking tickets, or the transfer of money to other bank accounts ( e- money, even among individuals as person -to- person, P2P ). Since late 2009, the newspaper and magazine publishers increasingly use mobile payment for e-paper offerings, such as fee-based electronic newspaper articles, electronic journal articles or other paid content.

History

The Basics of paying by mobile phone in Germany are enshrined in the Treaties of the German mobile phone provider. According to these agreements, the so-called premium SMS may only be used for mobile- related services. These include, for example, ring tones and logos for your mobile phone or eg for SMS elections to television broadcasts. However Explicitly excluded is the use of Premium SMS payments for non- mobile- related services. This includes the Internet. Although premium SMS is now used to pay for various services on the Internet even in German-speaking by some providers. However, these are not approved by the mobile operators, and they can therefore be immediately reprimanded and off promptly when read.

Since about the mid-1990s, there are serious efforts to use the mobile phone for any payment transactions. The starting point was initially the fact that the mobile phone due to its specific characteristics, the high prevalence in the population and on the basis of user behavior in dealing with it is particularly suitable for the processing of payment transactions. In addition to the perspective of technology attractiveness resulted in the emergence of mobile services and mobile commerce (MC ) from the late 1990s the issue of settlement of the same.

Only with the introduction of mobile payment smartphones could reach a wider user layer. Were the initial number of options premium SMS and value added services paid by phone bill, new possibilities were opened by the spread of mobile internet. A statement by phone bill presented to the success of mobile payment as obstructive out - but it is only designed for telecommunications services. How to move value-added services such as only within a certain price range - a settlement with the consumer can only be done through a third party.

Standardization

Software

The market for mobile payment solution is too fragmented than that in software standards could emerge to date ( early 2012 ). Even global players looking several partners of the complete value chain in order to implement solutions. So cooperates eg Google with Citigroup, MasterCard, First Data and Sprint Nextel.

As part of the initiative SEMOPS a single European standard is sought. Similar approaches are being pursued France with his program ERGOSUM.

Introduced on the market pure software solutions include:

  • Aperto move
  • GO4Q
  • Kesh
  • Mpass
  • Paij
  • VeroPay

Hardware

The Near Field Communication ( NFC) is to establish the hardware side most likely attributed to a standard. By copying an NFC-enabled credit card on the phone completely new payment options are possible.

In addition, there are already many add -on solutions that enable a mobile credit card processing. To this end, the audio jack of the phone is mostly used for transmission:

  • Billing ( Sparta Data)
  • IZettle (via 30 -pin adapter to Apple iPhone )
  • Mobuyle (of Heartlany Payment Systems )
  • Payleven ( by means of the Chip & PIN system, a mobile card reader)
  • Square
  • Streetpay (only for cards with magnetic strips )
  • SUMUP

Differentiation

When considering mobile payment method, two basic tasks can be distinguished: While a is ideally made ​​by the user as natively perceived payment of a mobile offer within the MC, is mobile payment outside the MC is itself a MC application that makes available in various scenarios Payment functionality. Come out of the mobile commerce this principle payments on the ( stationary ) Internet, the payment at machines of all kinds, paying respect to a person who acts as a dealer or service (such as in a department store, the pizza delivery or taxi) and the transfer of a sum of money between end users into consideration. In Germany so far not a mobile payment system has prevailed, there are standardization efforts under the National Round Table M-Payment.

Service (economics) Television program Stiftung Warentest Badische Zeitung
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