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Unit 10: Email Integration

The value chain for mobile commerce took a step further in April 2000 with the announcement Notes
that Motorola, Ericsson and Nokia had partnered to see mobile commerce standards. The
possibility to handle trusted electronic transactions from a personal mobile device is regarded
as one of the most important areas of the mobile Internet. As such, the aim of these companies
is to offer solutions where security and payment services will be integrated as a standard into
the mobile devices in years to come. Some of the key technology cornerstones will be WAP
security functions, such as WTLS (Wireless Transport Layer Security), WIM (Wireless Identification
Module), wireless public key technologies and others.

Mobile Banking

The successful implementation of mobile banking programs incorporates several different
elements such as private information services, WAP and security. There are a few technology
limits affecting how the mobile banking service is designed:
 Any information that is useful to bank customers can be provided such as last 4 transactions,
account balances, overdraft limits and so on.

 Information can be provided in a number of different ways. It can be pull based and
requested on an ad hoc basis via a telephone call to an electronic voice menu to initiate the
information. Alternatively, the user could send an information request in and get an
information message back, or the service can be push based such that information is
automatically generated at set intervals or on the basis of events.

 The mobile banking service can run on all existing mobile phones or to be tailored for a
particular branded phone or protocol-compliant phone, e.g. WAP.
 Protocols such as WAP allow not just information provision, but also secure mobile
transactions and electronic commerce.
 Mobile banking suppliers using WAP include Materna (www.materna.com). Banks offering
services over WAP include Deutsche Bank and Visa International.

Banking services using WAP from around the world include:
In the UK, Woolwich company offered 100 of its customers interactive banking over a WAP
enabled mobile phone. Using a Nokia 7110 handset, customers will be able to view balances and
transactions, pay bills, and transfer money on current, savings and borrowing accounts.

Example: In Belgium, CCB (the Belgian bank) officially launched its mobile banking
venture. This will allow customers to check balances, carry out payments and transfers, and - in
the future - buy shares from a WAP mobile phone.

Games

Games are a huge service that many people see as being a key application for future mobile
devices. In the same way as music distribution will increasingly take place electronically, so too
will games. Instead of having to go to the video store to rent a game or video, we can download
this from an Internet site and charge this transaction to our mobile phone bill.
Mobile games suppliers using WAP include:
www.digitalbridges.com , http://www.wapholesun.com, www.k-mobile.com and others.
Ringtones

Another emerging service is downloading ringtones. Ringtones are the tunes that the phone
plays when someone calls it. With the same phone often sold with the same default tune, it is

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