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INTEGRATING M-COMMERCE PAYMENTS WITH THE MOBILE OPERATOR´S BILL
BERTHOLD RUF | 29th September [email protected]+43 699 1 699 3847www.one.at
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50,10 % 17,45 % 17,45 % 15 %
ABOUT ONE
ONE GMBH
- Third Mobile Operator in Austria- First GSM-1800 Provider
- Currently approx. 970 Employees- 4 Shareholders
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ONE MILESTONES
GPRS
Regional Launch
ONENewsflash
TakeONE
ONE 99
Launchf-ONE
TakeTwo
Launchi-ONE
ONE High Speed
Dual VPN
ALL IN ONE
ONECockpit
U-BahnCoverage
ONEWebshop
NationalLaunch
ONEFOR ME
UMTSLicence
QuickLoad
ONE Pocket Plus
ONE takesover
eWave
WAP
0307 10 11 0302 11 12 01 0705 09 11 12 02 111009 1204
1998 1999 2000 2001 2002
06
Cooperationwith
LIWEST
ONE Compass
ONE SmartSIM
ONEMobile Office
Easy
11 02
MMS
2003
04
ONEGmbH
07
Re-Launch www.one.at
LaunchONE WLAN
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CUSTOMERS
A 12/98 < 30,000 customersB 06/99 200,000 customersC 12/99 500,000 customersD 06/00 830,000 customersE 12/00 1,300,000 customersF 06/011,500,000customersG 12/01>1,600,000 customersH 12/02>1,600.000 customersI 09/03>1,700.000 customersJ 07/04>1,800.000 customers
ONE CUSTOMERS
1.5 MILLION MOBILE | 150,000 i-ONE | 145,000 f-ONE.
BA D EC F G H I J
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Mobile ShoppingONE‘s m-commerce solution
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ONE Mobile Shopping Partners
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Usage of M-Payment @ ONE
– Strong increase of mpayment usage– No special advertising for mpayment so far
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M-Commerce Use Case:
Coke Vending Machine
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M-Commerce Use Case:
Coke Vending Machine
OrderOrder DeliveryDelivery
PurchasePurchaseConfirmationConfirmation
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M-Commerce Use Case:
Java Game Download (1)
PaymentInformation
and AcceptanceSelect Game
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M-Commerce Use Case:
Java Game Download (2)
Install ... andEnjoy!
Payment Confirmation- Start Download
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M-Commerce Use Case:
ONE‘s CANTEEN (1)
1. Register by SMS a short time before paying:Send an empty SMS to 8377
Pay at the checkout simply by giving the last 4 digits of your mobile phone number
2.
Directly after payment you will receive a confirmation SMS. Registration is only valid for a maximum of 10 minutes.
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M-Commerce Use Case: ONE‘sCanteen (2)
- Registration only valid for one location - Registration only valid for 10 minutes- Users receive a confirmation SMS stating the amount- Cancellation can be made directly at the checkout- Detailed list of payments and complaint feature at the user self-administration tool
M-Commerce Use Case:
ONE‘s CANTEEN (2)
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Customer Merchant Payment Platform ONE back-office
Start payment
Clearing request
Clearing response
Merchant request
Payment result
Merchant delivers the goods/content to customer
Customer authorization (including PIN/TAN authentication)
Customer identification (Web)
Iden
tifi
cati
on &
Aut
hori
zati
on
Validate balance (prepaid) and expenditure limits Payment
channelLock transaction amount until capture Payment
channel
Charge customer Payment channel
Capture
Extract MSISDN or User ID
WAP Gateway
LDAP
Merchant response (with Transaction ID)Redirect URL
Payment result responseRedirect URL to merchant
Go to success URL
PAYMENT OVERVIEW
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Network MIA
$
Bank
Merchant
MerchantAggregator
Customer
Merchant
TrivnetPaymentPlatform
GenevaBilling
System
CustomerInvoice
MerchantCredit Note
Mediation
S A PClearing
&Settlement
M-Payment Architecture – Overview
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Many attractive Services drive the Business
– Be prepared for individual Merchants as well as Merchant-Aggregators– Key Account Manager / Technical Account Engineer– Merchant Monitoring and Restrictions– Flexible automatic merchant settlement– Flexible automatic merchant aggregator settlement
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Billing and Settlement
– Pre-priced events – Merchant manages the price of every transaction
– Tax issues – different tax per product (tax override)– tax exempt customers or merchants
– Multi Revenue Sharing – Multi Party Event & Individual Rating Tariffs
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ONE Bank
– Since June 2004 ONE has a banking license– Necessary to guarantee payments to the merchant
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COOPERATION WITHIN OPERATORS IS BETTER FOR CUSTOMERS, MERCHANTS AND
OPERATORS
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COOPERATION AMONG OPERATORS HELPS GAINING CRITICAL MASS
COOPERATION IS KEY– Parking, Ticketing (for public
transport)– News, Games
DON‘T WANT TO COOPERATE– community, exclusive mobile
content
NEED TO COOPERATE?– mobile time recording; fleet
management (closed usergroup)
– Physical Goods
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MIA | M-COMMERCE INTERFACE AUSTRIA
– open standard jointly developed– almost all Austrian operators participate– Specifies technical interface merchant/operator
Mobile PhoneSubscribers
Mobile PhoneSubscribers
Mobile PhoneSubscribers
Mobile PhoneSubscribers
Connected Merchants
Connected Merchants
Connected Merchants
Connected Merchants
One Interface
Tele.ring Interface
T-mobile Interface
HutchisonInterface
Join
t fun
ction
al a
nd
te
chn
ical in
teg
ratio
n
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TECHNICAL DETAILS OF MIA
– Based on exchanging XML-documents between merchant and operator (specification defines DTD‘s and gives XML-examples)
– Connection between merchant and operator done via https
– Open for all possible channels: SMS, WAP, WEB– Customer may be redirected from merchant to
operator for explicit authentication (PIN/TAN-entry...)– May be used for micropayments and macropayments
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1. First inter-operator standard which is already live
2. ONE has connected all its m-commerce partners via MIA
3. T-mobile Austria uses MIA for ticketing, lotto and other services
4. Tele.ring and “3” (Hutchison) to follow soon
MIA- SUCCESS STORY
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MIA-Homepage http://mia.co.at
– Free download of Java/Perl toolbox + manuals
– Latest MIA-specification
– FAQ– Test-Shop to test
MIA-transactions– Access to test-
server– Contact
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LESSONS LEARNED
– Many merchants – especially for content – are very interested in doing m-commerce with operators
– Flexible merchant interface and banking license important
– Attractive services are the key for successful m-commerce
– MIA is the first life-standard for m-commerce and already successful
– Try to use standards wherever possible
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