Mobile Banking und Mobile Payment

Auschnitt aus der Studie
Mobile Banking und Mobile Payment-Systeme
Feb. 2004
1Mobile Banking Trends.................................................................................................................................1
1.1Marktzahlen...........................................................................................................................................1
1.2Kategorien.............................................................................................................................................5
1.2.1SMS................................................................................................................................................5
1.2.2WAP................................................................................................................................................6
1.2.3I-Mode.............................................................................................................................................7
2Mobile Banking Technologien......................................................................................................................8
2.1WAP-banking.........................................................................................................................................8
2.2SMS-banking.........................................................................................................................................8
2.3Mobile banking with PDA.......................................................................................................................9
2.4Mobile banking with SIM-Toolkit..........................................................................................................10
2.5Mobile banking with Java.....................................................................................................................11
2.6Advancement of WAP.........................................................................................................................12
2.7Further new developments..................................................................................................................12
2.8New forms of devices..........................................................................................................................13
2.9Conclusions and Outlook.....................................................................................................................14
3Länder........................................................................................................................................................14
3.1Übersicht..............................................................................................................................................14
3.2Deutschland.........................................................................................................................................17
3.3Skandinavien.......................................................................................................................................18
3.4Frankreich............................................................................................................................................19
3.5Österreich............................................................................................................................................20
3.6Großbritannien ....................................................................................................................................20
3.7Korea/Japan........................................................................................................................................20
3.8Sonstige ..............................................................................................................................................21
4Kooperationen............................................................................................................................................23
4.1Banken – Telkos..................................................................................................................................23
4.2Telkos – Nicht-Banken........................................................................................................................32
5Brokerage/Direktbanken............................................................................................................................33
6Kreditkarten................................................................................................................................................38
6.1VISA.....................................................................................................................................................39
6.2MasterCard..........................................................................................................................................40
6.3American Express...............................................................................................................................41
7Payment.....................................................................................................................................................42
7.1Systeme und Entwicklung....................................................................................................................42
7.1.1Arten..............................................................................................................................................42
7.1.3Mobile Payment Models................................................................................................................43
7.2Markt....................................................................................................................................................46
7.2.1Zahlen/Prognosen.........................................................................................................................46
7.3Mobile Payment Landschaft in Deutschland.......................................................................................47
7.3.1Fehlender Durchbruch..................................................................................................................48
7.3.2Wofür wird M-Payment genutzt....................................................................................................49
8Mobile Payment Technologien...................................................................................................................52
8.1Devices without any Payment Applications.........................................................................................52
8.2Devices with Payment Applications.....................................................................................................53
8.3Chips....................................................................................................................................................56
8.4Prepay..................................................................................................................................................56
8.5Billing...................................................................................................................................................56
8.6Kontaktlose Verfahren.........................................................................................................................58
8.6.1Trends...........................................................................................................................................59
8.6.2 Bluetooth......................................................................................................................................60
8.6.3Biometrie.......................................................................................................................................60
8.6.4Infrared..........................................................................................................................................61
8.6.5RFID..............................................................................................................................................62
8.7M-Payment System und Anbieter........................................................................................................68
9Portale........................................................................................................................................................76
8.7 M-Payment System und Anbieter
Firma
Mobipay
Vodafone mPay
Simpay
Cooperative mpayment solution
VODAFONE
"Mobile Payment Service
joining banks and mobile
Organisation", zu der neben T-
operators
Mobile und Vodafone auch Orange
und Telefónica Móviles gehören.
Beschreibung
MOBIPAY is an easy system
Bei Vodafone-Partnern können
Das System ist hauptsächlich für
that activates existing payment
kleine Beträge im Bereich des
kleine bis mittlere Beträge im
means (normal or virtual credit,
Micropayments bis zu zehn
Bereich des Micropayments
debit or pre-paid cards) and
Euro per Handy bezahlt
gedacht ; Neuer Standard für das
that allows to carry out a variety
werden.
Bezahlen per Handy
Sept. 2002
Ab Juni 2003 Markenname
of transactions transforming
your mobile phone into your
day-to-day payment means
Launch
May 2001
SIMPAY
Partner
Mobipay Espana: 80% of
Vodafone D2 übernimmt die
Für Beträge im zwei- bis
spanish banks, 100% spanish
Zahlungsverwaltung und den
dreistelligen Bereich arbeitet
Mobile operators; Mobipay
Forderungsausfall
Simpay mit Kredit- und EC-
International: BBVA,
Kartenanbietern zusammen
Telefonica, Vodafone,
Santander
Kanäle
Technik
Mobile, Internet, POS
Mobile
requires a personal MOBIPAY
card-based mobile wallet
Simpay is open to all customers of
number to authorize payments.
program (technology from
participating mobile operators,
---Mobipay is a solution that,
LogicaCMG); LogicaCMG
whatever handset they use. It will
contrary to other m-payment
technology verifying any credit
also enable them to make
solutions, uses USSD in the
or debit card numbers that are
transactions across national
GSM environment instead of
stored at Vodafone’s UK web
borders.
SMS messages or automated
site.
Mobile, POS
voice systems. The key
difference lies in the fact that
USSD messages are open data
sessions allowing to do all the
authentication and authorisation
process on-line. This adds
speed and security considering
that SMS are one way
messages passing through a
central server and delivered to
the recipient once sufficient
capacity is available.
Access (SMS; WAP.
Mobipay
Vodafone mPay
SMS
SMS; WAP
54 000 merchants
u.a. Jamba, ebay, handy.de,
Simpay
Dual-Slot, PaymentSoftware)
Anwendungen
Entwicklungsphase
bild.de, firneds, gina wild,
Kosten
Der monatliche Umsatz ist auf
ein Limit von 100 Euro
beschränkt
Abrechnungsarten
Bankkonto
Ja
Kreditkarte
Ja
In England möglich
Billing
Ja
Ja
Die Beträge werden direkt über die
Mobilfunkrechnung des Käufers
abgerechnet
Prepay
Ja
Ja
Mobipay International was
Laut Vodafone ist "Vodafone
Der Testlauf soll in Deutschland
founded in December 2000 with
m-pay" damit das erste
starten. The product will have its
the objective of developing and
umfassende
technicallaunch by the end of 2004
promoting an international
"Micropayment"-System für den and be commercially available in
mobile payment solution. It is
M-Commerce, das ohne
based on a co-operative model
Anmeldung, Vorabregistrierung,
between mobile telephone
Freischaltung, Kreditkarte,
operators and financial
zusätzliche Software oder
institutions. MOBIPAY
spezielle Passwörter
leverages existing payment
auskommt.
Sontiges
Strategie
infrastructure and international
payment brands being an
activator of existing and future
payment products (debit, credit,
pre-paid, physical and virtual
cards, etc.).
BOOZ ALLEN HAMILTON:
"...In many respects the
prototype of how Telco's and
Banks can best work
together..."
Sehr gute Infos:
http://www.ifslearning.com/even
ts/fwsem/fw2003/4june03/Albert
oSanz.pdf
early 2005.
Während T-Mobile und Vodafone
möglichst schnell mit dem neuen
Dienst starten wollen, um dem Handy
als Geldbörse zum Durchbruch zu
verhelfen, stellen sich Orange und
Telefónica Móviles noch quer.
Sonstiges
Being an activator of payment
Nur für Vodafone-Kunden
Um trotzdem bei der Entwicklung
means like credit, debit or pre-
voranzukommen und die
paid cards, Mobipay has the
Allianzpartner nicht zu düpieren, habe
peculiarity of being fully
man sich nun dafür entschieden,
interconnected with the local
einen Testlauf in Deutschland zu
payment processing systems
starten, bei dem auch die
currently used. This ensures
Netzbetreiber E-Plus und o2
compatibility with today’s
eingebunden werden sollen.
payment industry.
24.2.2004: Elisa (previously
Radiolinja), Mobilkom, Optimus, SFR
and TeliaSonera have joined 3,
debitel, KPN Mobile group, O2 and
TMN in expressing an interest in
becoming members of Simpay.