Thomas Lerner. Mobile Payment. Springer
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1 Thomas Lerner Mobile Payment Springer
2 Table of Contents 1 History, Technology and Commerce A Brief History of Money and Mobile Technologies From Mobile Banking to Mobile Payment The Development of Mobile Payment Services up to The Terrain The Individual Features The Four Core Mobile Payment Segments Characteristics of the Various Core Segments Payment Service Networks Enterprises, Case Studies and Initiatives 10 2 The Market El Dorado in the South Japan's Pioneering Role among the Developed Countries Skepticism and Awakening in Germany 20 3 Strategies Foundations The Bank-Driven Model The MNO-Driven Model The Collaborative Model The Independent Model Summary 37 4 Mobile Technology and Security Preliminary Remarks USSD The Technology Potential Risks Associated with USSD Transactions Sumi BLE - Bluetooth Low Energy The Technology Summary SMS WAP/Internet QR Codes 46
3 VIU Table of Contents 4.7 Near Field Communication (NFC) History NFC Applications Summary General Security Threats to NFC Solutions and Recommendations Summary General Description of the Security of NFC Applications Functional Security Excursus: FeliCa Contactless Data Exchange 59 5 Innovation Management 61 6 Case Studies M-PESA: Most Successful Mobile payment Service Overview Prerequisites for Success M-PESA Development How M-PESA Works Future Challenges Background Information on M-PESA Conclusion Lessons Learned Osaifu-Keitai - The Japanese Model for Developed Countries Sony's Felicity Card (FeliCa) as the Basis of Innovation Suica - the Ticketing Innovation from JR East NTT DoCoMo's Osaifu-Keitai Innovation The New Value-Added Strategy The Innovative Osaifu-Keitai Business Ecosystem Multi-sided Platform Strategy as a Basis for Business Development Development of Suica and Osaifu-Keitai The Reasons for Success in Japan Current Proposals for Improving e-money in Japan Summary and Recommendations Drawn from Osaifu-Keitai The Starbucks Touch-to-Pay Service The Development of the Service Services Dependent on a Smartphone Operating System Summary Square How Square Works Square Summary 104
4 Table of Contents IX 6.5 Google Wallet (Tap and Pay) Overview Payments Security Partnerships Google Wallet's Trajectory So Far Summary MasterCard Pay Pass Contactless Payment with the MasterCard Pay Pass Contactless Payment and Security Ill History Ill MasterCard Ecosystem izettle The Payment Procedure Processing of Payments The Business Model izettle Summary mpass (Mobile Payment Service Offered by Wireless Carriers) Development of mpass How mpass Works Security Summary Paybox Profile Post Finance Profile Deutsche Bundesbahn's "Touch and Travel" Development of Touch and Travel How Touch and Travel Works Using Touch-and-Travel Risks YAPITAL - Digital Money for a Modern Life Close Cooperation between YAPITAL and Regulators Value-Added Chain and Roles at YAPITAL Security, Risk Management, Fraud Detection and Mobile Technologies YAPITAL Summary Contactless Payment with girogo How Contactless Payment Works with girogo Pilot Tests Pilot Test Specifics Contactless Mobile Payment from the Perspective of the Savings Banks Savings Bank Steps to Introducing Mobile Payment Systems 125
5 X Table of Contents 6.14 Another Example: Mainz 05 FanCard Advantages for the Club, Fans and Vendors Main Functions at a Glance Splash Mobile Added-Value Services Flexible Payment Transaction Business Model Splash Conditions Advantages and Disadvantages of Splash Development of Splash Avance Pay: Fast, Contactless and Secure NFC Payment and Collection Solution Description Avance Pay at a Glance Pingit - Barclays Domestic/International Mobile Payment Service Service Description Results of Pingit "Mobile Checkout" and "Buy It" International Expansion La Caixa's Mobile payment Services International Comparisons : Mobile Payments via POS Terminals Contactless Payment: Interim Technology for Mobile NFC Comparison of the Mobile payment Strategies of Global Corporations Summary 143 Index of Abbreviations 153 Glossary 155 Index of Figures 165 References 169
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