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The ability to manage payments via the mobile phone
presents a great opportunity for Mobile Operators as
e-Wallet solution is now viable. E-Wallets are ideal
for micro-payments and as an alternative payment method,
with lower transaction costs than credit cards in many
commercial environments.
Mobile Operators have already enjoyed a history of
successful micro-payment. They also maintain an established
charging relationship with subscribers - both prepaid
and post-paid - which makes an e-Wallet strategy feasible.
E-Wallets have the potential to:
- Create a differentiated offering,
- Enable consumption of additional content and a wider
range of services,
- Provide an enhanced user experience with control over
finances,
- Establish a sophisticated strategy to minimize risk
exposure,
- Develop a new revenue stream as trusted payment broker.
A M-Payment platform backed by eServGlobal ChargingMAX,
Mobile POS products can support an e-Wallet solution
that will attract consumers, content providers and retail
suppliers. And with such mechanism in place Mobile Operators
will be able to brand, bundle, charge and provide commissions,
thereby ensuring future success.
The same e-Wallet solution targets any kind of subscribers,
having prepaid, post-paid or hybrid accounts. Mobile
POS provides the Mobile Operator with a routing mechanism
and converged real-time billing to support a unique
Mobile Payment solution.
For prepaid or hybrid subscribers, the e-Wallet solution
is a Direct Transfer. It consists in debiting the subscriber's
account to pay another merchant account. It offers:
- Real Time Purchaser Debit
- Real Time Credit of Receiver's Account
- Real Time Revenue Sharing
- Real Time Receiver Accounting
For post-paid subscribers, the e-Wallet solution is
a Direct Aggregation on the Bill. It consists in aggregating
all the purchase expenses in the monthly telephony bill.
It offers:
- Non Real Time Purchaser Debit - EDR produced only
- Real Time Credit Worthiness Check
- Real Time Credit of Receiver's Account
- Real Time Revenue Sharing
- Real Time Receiver Accounting
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