Mobile Payment Schemes
Mobile payments don’t exist in a vacuum. Just as a piece of paper doesn’t magically become a bank note, or a rectangle of plastic become a credit card, your phone can’t just suddenly start paying for goods and services. You need a payment scheme behind the scene to make this happpen. At a very minimum a scheme has to handle funds in, funds out and authenticating transactions.
In the mobile world there are a number of mobile payment schemes today. From the long-standing premium SMS services to the brave new world of NFC. Whilst the technicalities of these schemes vary greatly, all schemes fall in to two broad camps: open and closed payment schemes.
Approach 1: Closed
Perhaps the best know of these schemes is the Starbucks Mobile Payment scheme which is currently running in the USA.
This type of schemes work on a closed-loop, and are limited to either a single merchant, or occasionally a single locale. So in the case of Starbucks, you load funds in to your Starbucks wallet, and then you can draw against this when your purchase coffee. Starbucks have been running a card-based version of this scheme for some years now. The mobile version swaps the mag-stripe swipe for a 2D barcode scan.
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