1. M-Commerce
Presentation By-
Vivek Goklani (38)
Milesh janyani(43)
Himanshu Phatnani( 54)

2. Introduction
What is Commerce ?
Commerce is a division of trade or production which deals
with the exchange of goods and services from producer to
final consumer.
It comprises the trading of economic value such as goods,
services, information, or money between two or more
entities.

3. Mobile Commerce
It is ability to conduct commerce using a mobile device, such as
mobile phone, a PDA, a smartphone, or other emerging mobile
equipment's
It allows the user to access computer mediated networks i.e. the
internet and make transactions from anywhere in the world
Strong user adoption
Seamless app rollout campaigns

4. History of M-commerce
Mobile Commerce Services were first delivered in
1997, when the first two mobile-phone enabled Coca
Cola vending machines were installed in the Helsinki
area in Finland.
The M-Commerce server developed in late 1997 by
Kevin Duffey at Logica.
Since the launch of the iPhone, mobile Commerce has
moved away from SMS systems and into actual
applications.

5. E Commerce M commerce
E-commerce means doing business
transactions on the Internet using
computers or laptops.
M-commerce means doing
business transactions on the
Internet through the use of mobile
devices
E-commerce you cannot always
bring with you your computer or
laptop anywhere Laptops are also
portable but not as light as mobile
phones.
M-commerce is very portable
because mobile phones are very
easy to carry. You can do your
business transactions anywhere
you go as long as you can access
the Internet on your phone.
E-commerce is charged through
the use of swipe machines where
you swipe your credit card. You
can also transfer money through
online banking and pay for
products you have bought on the
Internet using your credit card
number
M-commerce is usually charged
through the caller's premium rates,
charging the user's bill, or reducing
the caller's credit, and also through
mobile banking.

6. Disadvantages of e commerce
Consumers are still somewhat afraid of sending
their credit card numbers over the internet due to
the existence of malpractice
It is costly in many circumstances
The quality and quantity of the product cannot be
estimated to its real value

7. Advantages of m Commerce
Covers wide distance
Consumer deals
Savings
Easy to use

8. From e commerce to
m Commerce
Time cost: In case of mCommerce services are provided
at the point of need
Convenience cost: Different mCommerce platforms are
integrated to the work environment there is no transition
required
Customization: mCommerce allows the services to be
catered towards users needs
Increase in number of devices: with a shift in the
medium of communication from PC’s to tablets and
Smartphone's there is parallel transition from ecommerce to
mCommerce

9. Overview
M-Commerce is the ability to conduct Commerce using a
mobile device viz.
1.Mobile Phone
2.Personal Digital Assistant(PDA)
3.Smart Phone

10. Overview…
Mobile Commerce from the Customer‘ s point of view
The customer wants to access information, goods and
services any time and in any place on his mobile device.
He can use his mobile device to purchase tickets for events
or public transport, pay for parking, download content and
even order books and CDs.
He should be offered appropriate payment methods.

11. Development Of Sector
The future development of the mobile telecommunication
sector is heading more and more towards value-added
services. Analysts forecast that soon half of mobile
operators‘ revenue will be earned through mobile
Commerce.
Innovative service scenarios will be needed that meet the
customer‘s expectations and business models that satisfy all
partners involved.

12. Protocols Used
GSM
3G
Enhanced Data Rate For GSM Evolution (EDGE)
Universal Mobile Telecommunications System (UMTS)
High-Speed Packet Access (HSPA)
Technologies
Wireless Networks (Blue tooth / Wi-Fi)
SMS
MMS

13. m Commerce flow

14. Facts and figures about m
Commerce platforms
59% men prefer to purchase on their phones while 77%
women prefer tablets for shopping
mCommerce spend for males is $677 and for female, it is
$489
51% of people aged between 18 and 34 shop on their
phones, only 18% of those between 55 and 64 have shopped
on their mobile phones
Smartphone users spend more time on mobile apps than
on mobile sites

15. Commodities which users
prefer to buy online

16. Services and Applications
Mobile ticketing
Mobile Money Transfer
Content purchase and delivery
Information services
Mobile banking

17. Mobile Ticketing
Mobile Ticketing is the process where the customers can
order, pay for, obtain and validate tickets from any location
and at any time using Mobile phones .
Tickets can be booked and cancelled on the mobile device
with the help of simple application downloads.
Delivery of tickets to mobile phones can be done in the
form of a SMS or by a MMS.

18. Mobile Money Transfer
Mobile Money Transfer refers to payment services
which are performed by using a mobile phone.
By using this service we can transfer money from
one person to other by using a mobile phone.
Ex: ICICI bank has started IMPS - Interbank Mobile
Payment Service. It is an interbank electronic instant
mobile money transfer service through mobile phones

19. Mobile Money Transfer

20. Information services
A wide variety of information services can be delivered to
mobile phone users in much the same way as it is delivered
to PCs. These services include:
News
Stock quotes
Sports scores
Traffic reporting

21. Mobile banking
Banks and other financial institutions use mobile
Commerce to allow their customers to access
account information and make transactions, such as
purchasing stocks, remitting money, receive
notifications, transfer money to other banks

22. Mobile Banking ……
Mobile Banking Services are:
1.Mini-statements and checking of account history
2.Checking the balance
3.Recent transactions
4.PIN provision, Change of PIN and reminder over
the Internet
5.Cash-in, cash-out transactions on an ATM

23. Payment Methods
Consumers can use many forms of payment in mobile
Commerce. They are:
1.Premium Rate Telephone Numbers
2.Direct Mobile Billing
3.Macro payment and Micro payment Services
4.MobileWallet

24. Premium Rate Telephone
Numbers
Premium rate telephone numbers are telephone
numbers for telephone calls during which certain services
are provided, and for which prices higher than normal are
charged.
Unlike a normal call, part of the call charge is paid to the
service provider, thus enabling businesses to be funded via
the calls.
 These telephone numbers are easily distinguished with
other numbers.

25. Direct Mobile Billing
Direct mobile billing, also called direct to bill, is a
method of paying for merchandise by charging the
purchase to a mobile phone account.
At the time of checkout, the customer selects the
mobile billing option on a smart phone and follows
a two-factor authentication procedure.

26. Direct Mobile Billing…..
After the authentication, which usually involves
a PIN(personal identification number) and one-time
password, the consumer's mobile account is charged for
the amount of the purchase, plus applicable taxes and, in
some cases, a processing fee.
Direct mobile billing does not require any previous
registration, and it does not involve any other sources of
funding such as credit cards or bank accounts.

27. Macro Payment Services
This kind of payments is used by traditional electronic
Commerce and they usually involve amounts more than
US $10.00.
Payments by credit cards are the most common
method for Macro payments.

28. Contd….

29. Micro Payments
These usually involve amounts less than US $10.00,
which are too small to be economically processed by
credit cards.
The amounts are usually charged to user’s phone
bills.

31. Mobile Wallets
A mobile wallet based payment strategy deals with
how, where and when the payments can be accepted and
processed using the user’s wallet accounts.
A mobile wallet payment option includes the
following:
• Prepaid – Here the users top up their mobile wallet
accounts upfront and such mobile wallet accounts are
used to make the payments in context of the mobile sales
transactions.

32. Conclusion
The core of M-Commerce is the use of a
terminal(telephone, PDA, PC device) and public
mobile network to access information and conduct
transactions that result in the transfer of value in
exchange of information, services or goods. Mobile
commerce refers to any transaction with monetary
value that is conducted via a mobile
communications network.