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Mobile Payments

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Mobile Payments
Mobile Transactions and Payment Processing

Ashok Goudar Senior Enterprise Architect

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Contents
Introduction Mobile Commerce – Business Context Mobile Commerce Strategy Mobile Channel Strategy Mobile Marketing Mobile Sales Mobile Service Mobile Payment Mobile Wallets Mobile Commerce Transaction Mobile Banking and Mobile Money Mobile Commerce Transformation Roadmap Mobile Commerce – Payment Business Scenarios Card based Mobile User to Business – Payments (CM2B) Mobile – Wallet – User to Business – Payments (M2B) Mobile – Wallet Mobile Users to Mobile User – Payments (M2M) – Remittance Services Mobile – Wallet CrossBorderM2M Mobile – Wallet Cross Border M2Account. Mobile Commerce – Payment Processing Models Card based Mobile Payments
Direct Card Based Mobile Payments Indirect Card Based Mobile Payments

4 5 6 7 7 8 8 9 9 10 10 11 11 11 12 13 14 15 16 16 16 16 16 16 17 17 18 18 19 22

Cardless Mobile Payments
M-Wallet Mobile Account Based Payments Contactless Mobile Payments

Sync and Async Payment Transactions Mobile Commerce Solution – Architecture Mobile Commerce Transaction Scope - flows Mobile Client Presentation Layer Mobile Commerce Transaction Layer

Payment Messaging – Authorisations, Settlements and Reconciliations. Payment Gateway Integrations Telco Operator Integrations
SMS Integration USSD Integration WAP/ WML Content Integration

23 24 24 25 25 26 26 27 27 28 28 30 30 31 31 32 33 34 35 38

B2B Mobile Commerce Content Integrations
Back Office Integrations Business Intelligence

Business Activity Monitoring Mobile Commerce Payment Security Tokenisation and End to End Security for PA-DSS compliance NFC- Based Mobile Commerce Payments NFC – Card Based Payment Processing NFC – Mobile Wallet Processing NFC – Sales and Marketing Content Model Application Architecture – Mobile Transaction Processing Deployment Architecture - Indicative Network Connectivity Conclusions

Introduction
Usage of mobile devices to conduct
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