MforMobile: Mobile Wallet White Paper:

7/30/2019 MforMobile: Mobile Wallet White Paper:

1/11

_BHTI VCVIZ

Lejhki _ckkit} h` tbi Y]C

Mbzh}tevbiz JcmnijizoLaezLejhki


2/11

Lejhki _ckkit} h` tbi Y]C :63:

LaezLejhki Vcoi 3

H`tzedymthe`

Tbi Y`htid ]tcti} lcznit aez }lcztvbeì} wbhmb mc` ji y}id c} lejhki wckkit} h} khnikx te h`mzic}i

jx c acmtez ea 3?.2 azel :63: te :631. Tbct weykd lic` tbi lcznit weykd lezi tbc` deyjki h` }hi

iqizx xicz. Tbi }lczt leìx cvvicz} te jcmn @icz Ahikd Melly`hmcthe` "@AM( c} tbi delh`c`t

timbèkeox aez lejhki wckkit}.

Tbi Y] h} jx è lic`} tbi wezkd kicdiz h` vizmi`tcoi y}i ea lejhki wckkit}. H` acmt tbi i`thzi @eztb

Clizhmc` ziohe` tzchk} jibh`d tbi C}hc%Vcmhahm ziohe` c`d Cazhmc h` tbh} lcznit }imtez. Tbi zic}e` aez

tbh} h} tbct @eztb Clizhmc bc} c` irtzilikx wikk,jc`nid vevykcthe`. Jx me`tzc}t+ C}hc c`d Cazhmc czi

y`diz,jc`nid. Lc`x h`bcjhtc`t} ea tbe}i ziohe`} bcqi ìhtbiz jc`nhò cmmey`t} èz ic}x cmmi}} te

ìczjx jzc`mbi} ea jc`n}. Aez tbil+ vcxhò jx lejhki lcx ji èt lizikx c me`qi`hi`mi jyt c

ìmi}}htx.

H` tbi Y]+ bewiqiz+ tbi ic}i c`d ythkhtx ea lejhki vcxli`t} czi jimelhò c zcvhdkx ozewhò

cttzcmthe` wbhmb h} tee oeed te zi}h}t. Me`}yliz} nèw tbct. ]e de lc`x lizmbc`t}+ cktbeyob èt

ìczkx ièyob ea tbil... xit. Tbi Y] lejhki lcznit h} zhvi aez c` irvke}he` ea dilc`d aez lejhkiwckkit} jyt tbizi h} }thkk lymb te ji deì te i`}yzi tbct ièyob lizmbc`t} eaaiz aykkx }cth}axhò

me`}yliz irvizhi`mi} whtb lejhki wckkit}+ c`d ck}e te lcznit tbi ìw }izqhmi iaaimthqikx.

C} tbi ]lczt Mczd Ckkhc`mi ":63:( bc} }tctid h` ht} vyjkhmcthe`} e` }lczt wckkit}7 ]ekythe`} hlvzeqi

ilvkexii vzedymthqhtx c`d iaaimthqiì}} c`d my}teliz }izqhmi+ c`d irti`d tbi cjhkhtx te cmmivt

vcxli`t mczd} te lc`x ìw }lckk lizmbc`t}. Tbi Ckkhc`mi dei} bewiqiz di}mzhji eì ea tbi

jhooi}t mbckkiòi} te tbi ìw timbèkeox7 Tbi lch` }tcnibekdiz} lejhki evizctez}+ lizmbc`t}+

jc`n h}}yiz}+ c`d+ le}t hlveztc`tkx+ me`}yliz} ly}t jiìaht }yaahmhi`tkx te eqizmeli c`x jczzhiz}

te cdevthe`.

Me`}yliz} whkk wc`t c}}yzc`mi} tbct ht h} }cai te y}i lejhki wckkit} whtbeyt melvzelh}hò tbihzjc`nhò }imyzhtx. Ht h} nèw` whtbh` tbi lejhki h`dy}tzx tbct ikimtze`hm vcxli`t} czi c} }imyzi c}

vcxli`t} lcdi vbx}hmckkx whtb vkc}thm mczd}. Tbi h`dy}tzx ìid} te de lezi te idymcti me`}yliz}

h` tbh} zioczd.

H` cddhthe` te tbi lcttiz ea }imyzhtx+ tbi h`dy}tzx ht}ika }iin} zic}}yzc`mi e` nix h}}yi}. Tbi}i

h`mkydi tbi txvi ea timbèkeox khnikx te ji cdevtid e` tbi whdi}t }mcki ha èt y`hqiz}ckkx c`d bew

lymb melle`ckhtx tbizi whkk ji h` tbi dhaaizi`t txvi} ea }izqhmi eaaizhò}.

E` tbi timbèkeox }hdi+ @AM h} irvimtid te wh` acqeyz eqiz ht} jhooi}t zimi`t zhqck+ Zcdhe Azisyi`mx

Hdi`thahmcthe` "ZAHD(. @AM h} jihò jyhkt h`te le}t ìw }lcztvbeì}> ZAHD h}`t. @AM,i`cjkid

}lcztvbeì} mc` melly`hmcti dhzimtkx whtb c` ikimtze`hm mbimn,eyt thkk> ZAHD bc} te oe tbzeyob c_h,Ah ez Jkyiteetb me`ìmthe`. Gczqh} ":63:c( bc} syetid @hmbekc} Lcoyhzi+ ]i`hez Lejhki

Me`}yktc`t ct :Izoe+ wbe }tctid tbct ZAHD bcd ke}t ht} leli`tyl h` lejhki vcxli`t}. Lcoyhzi ck}e

ej}izqid tbct ht h} ic}hiz c`d syhmniz te }hlvkx veh`t c }lcztvbeì ct c SZ medi tbc` ht h} te

h`tizacmi whtb c` ZAHD }mc`ìz.

Cmmezdhò te c Jizo H`}hobt }tydx+ }cki} ea @AM,i`cjkid }lcztvbeì} h`mzic}id jx c acmtez ea 36

dyzhò :633 melvczid whtb :636 "Gczqh} :63:c(+ whtb cjeyt =6 lhkkhe` y`ht} jihò }bhvvid okejckkx.

Jizo vzidhmtid y`ht }cki} ea ?66 lhkkhe` jx :631.


3/11


LaezLejhki Vcoi :

Tbi Y] lejhki wckkit lcznit h` viz}vimthqi

Zex Qikkc "LaezLejhki :63:j(+ Lc`cohò Dhzimtez ea Qikkc Qi`tyzi}+ h`mkydid tbi aekkewhò mbczt h`

c wijh`cz vzi}i`tcthe` aez LaezLejhki. H` :63: tbi tetck `yljiz ea lejhki }yj}mzhvthe`} zicmbid 1

jhkkhe` eyt ea c wezkd vevykcthe` ea ? jhkkhe`. Ckle}t iqizxeì bc} c lejhki vbeì ea }eli }ezt.

Gczqh} ":63:c( ziveztid tbct 3.: lhkkhe` vievki bcd lejhki H`tizìt cmmi}} h` :633. C} Qikkc} mbczt

}bew}+ tbh} `yljiz vc}}id tbi : jhkke` lczn h` :63:+ c`d ht h} aezimc}t te zicmb :.8 jhkkhe` jx :631.

Tbct h} c lc}}hqi tczoit lcznit aez lejhki wckkit}.

]eyzmi7 Zex Qikkc+ Lc`cohò Dhzimtez+ Qikkc Qi`tyzi}

C` hàeozcvbhm vyjkh}bid jx ]tcth}tc xhikd} tbi aekkewhò `yljiz} ea lejhki vcxli`t y}iz} h` qczhey}

ziohe`} "Aikhr :63:(.

@yljiz ea lejhki vcxli`t y}iz} jx ziohe`+ :63:

C}hc%Vcmhahm Cazhmc @eztb Clizhmc Iyzevi Kcth` Clizhmc Lhddki Ic}t

29.6l 9?.2l =:.2l :1.?l 2.9l 3.9l

Aikhr} `yljiz} vzidcti tbe}i melvhkid jx Qikkc. Aikhr ziveztid tbct tbizi wizi lezi tbc` 9 jhkkhe`

cmthqi lejhki vbeì cmmey`t} h` tbi wezkd+ jyt e`kx 3.= jhkkhe` cmthqi dijht c`d mzidht cmmey`t}.

Eì ea Aikhr} vzidhmthe`} h} tbct tbi `yljiz ea vzerhlhtx lejhki vcxli`t y}iz} h` tbi Y] h` etbiz

wezd}+ y}iz} ea lejhki wckkit} whkk }ecz azel :.? lhkkhe` h` :63: te 42.3 lhkkhe` h` :631. Tbct weykd

isycti te c melvey`d c``yck ozewtb zcti "MCOZ( ea lezi tbc` 366).


4/11


LaezLejhki Vcoi =

C mbczt h`mkydid h` tbi LaezLejhki wijh`cz jx Lhmbcik Deehgi}+ Irimythqi Dhzimtez+ Bicd ea ]tzctiox

c`d H`èqcthe` ct Zcjejc`n+ ziakimt} tbi }tcztkhò zcti ea ozewtb di}mzhjid jx Aikhr "LaezLejhki

:63:j(. H` tbi twe }ymmi}}hqi xicz} :633,:63:+ tbi ozewtb h` lejhki }izqhmi} ct Zcjejc`n lezi

tbc` deyjkid icmb xicz.

]eyzmi7 Lhmbcik Deehgi}+ Irimythqi Dhzimtez+ Bicd ea ]tzctiox c`d H`èqcthe`+ Zcjejc`n

Weelhò h` e` tbi Y]+ tbi zimi`t Lejhki Vcxli`t Cmmivtc`mi ]yzqixjx Me`tzek]mc` c`d Tzc`}Ahz}t

":63:( ziqickid c `yljiz ea hkkylh`cthò acmt} e` tbi cdevthe` ea lejhki vcxli`t} jx }lckk

lizmbc`t}. Te jezzew azel tbi }yllczx ea tbi }yzqix7

Tbe}i wbe bcqi zikhid e` c mzidht mczd lcmbhì aez acmi,te,acmi vcxli`t} c`d c }tc`dczd

wij}hti aez e`khì me`}yliz} czi èw acmid whtb c zcvhdkx ozewhò my}teliz jc}i tbct

ythkhi} }lcztvbeì} te lcni e`khì vyzmbc}i} c} wikk c} melvczh}e`,}bev azel h`,}tezi

kemcthe`}.

_htb cvvzerhlctikx 96) ea Y] lejhki vbeì y}iz} èw ew`hò c }lcztvbeì c`d cjeyt

38) ew`hò c tcjkit+ tbi cqizcoi Clizhmc` h} ilvewizid te }iin eyt c`d vyzmbc}i cvzedymt ez }izqhmi c`xwbizi+ c`x thli. H` acmt+ zi}ve`}i} azel c zimi`t HDM Ah`c`mhck

H`}hobt} }yzqix }bew tbct =4) ea vievki bcqi lcdi c vyzmbc}i qhc c lejhki diqhmi.

]lckk jy}hì}} ewìz} lcx ji }kew te zimeo`hi nix h`dhmctez} ea mbcòhò me`}yliz

vziaizi`mi. Tbi}i lh}}id }ho`ck} mc` kicd te c }yddi` ke}} h` lcznit }bczi c} keò,thli

my}teliz} czi kyzid cwcx jx tbi melviththe`.

Tbi lcgezhtx "99)( ea zi}ve`di`t} ziveztid tbct tbihz wij}hti} czi èt myzzi`tkx evthlhid

aez lejhki y}iz} "c` cddhthe`ck :6) wizi y`}yzi(. Ea tbi 99) cmnèwkidohò tbh} kcmn h`

ay`mthe`ckhtx+ e`kx =1) bcqi vkc`} te evthlhi whtbh` tbi ìrt xicz.


5/11


LaezLejhki Vcoi 4

Ea tbi zi}ve`di`t} wbe}i wij}hti} czi èt evthlhid aez lejhki+ =9) }cx my}teliz} czi

èt c}nhò aez tbi }izqhmi c`d :1) bcqiè melvikkhò zic}e` te lcni tbi h`qi}tli`t.

Le}t zi}ve`di`t} "?6)( czi èt tzcmnhò e`khì vyzmbc}i} azel c lejhki diqhmi c`d czi

me`}isyi`tkx èt tzcmnhò }bevvhò mczt cjc`de`li`t zcti} jitwii` lejhki c`d VM%kcvtev

y}iz}.

Ea tbi 32) wbe czi tzcmnhò e`khì vyzmbc}i} azel c lejhki diqhmi+ 1=) }cx tbi}i

vyzmbc}i} cmmey`t aez ki}} tbc` 36) ea e`khì }cki}+ xit 4:) ea tbi}i zi}ve`di`t} cdlht

tbix de èt nèw bew }bevvhò mczt cjc`de`li`t zcti} dhaaiz aez lejhki y}iz}.

E`kx c }lckk `yljiz ea zi}ve`di`t} "36)( czi myzzi`tkx ythkhhò c lejhki diqhmi te vzemi}}

mczd,vzi}i`t "MV( vcxli`t}> bewiqiz+ tbe}i wbe czi h`dhmcti tbix czi }cth}ahid whtb myzzi`t

lejhki bc`d,bikd timbèkeox c`d tbi lejhki vcxli`t timbèkeohi} }yvvezthò tbil.

Gy}t =) ea zi}ve`di`t} myzzi`tkx ilvkex timbèkeox aez cmmivthò lejhki wckkit vcxli`t}

ct tbi VE].

Eì,tbhzd ea tbe}i èt myzzi`tkx cmmivthò lejhki wckkit} irvimt te de }e whtbh` tbi ìrt

twe xicz}. Acmtez} ditizzhò etbiz zi}ve`di`t} ìcz,tizl cdevthe` h`mkydi kew MV

tzc`}cmthe` qekyli}+ me}t me`miz`} c`d c ìid aez cddhthe`ck idymcthe`.

LaezLejhki zimeo`hid tbct tbi aytyzi ea lejhki wckkit} lezi tbc` wczzc`tid c meàizi`mi e` tbi

tevhm h` tbi Y]+ tbi :`d C``yck @AM Vcxli`t} Y]C :63: "LaezLejhki :63:c(. Tbi vzeozclli aez

tbi meàizi`mi+ }it aez Je}te` e` Dimiljiz 36,33+ wc} di}hoìd te meqiz lc`x qhtck czic} ea tbh}

lcznit }imtez7

Te irclhì melvithò vcxli`t timbèkeohi}+ i`}yzi lc}} cdevthe` c`d dh}meqiz tbi ìrtleqi aez @AM te lcrhlhi ziqi`yi }tzctiox.

Te jzhò teoitbiz lezi tbc` 396 }i`hez,kiqik h`dy}tzx irvizt} h` c dhzimt zi}ve`}i te tbi

mzymhck+ jy}hì}},bckthò syi}the`} wbhmb jc`n}+ L@E} c`d vcxli`t vzeqhdiz} czi c}nhò.

Te och` c ah`c`mhck viz}vimthqi e` @AM vcxli`t} azel kicdhò jc`n} c`d ah`c`mhck

h`}thtythe`}.

Te dh}meqiz bew kicdhò zitchkiz} czi cvvzecmbhò lejhki vcxli`t}+ c`d bew L@E} czi

vzivczhò aez lc}} cdevthe` c`d jyhkdhò }ymmi}}ayk zikcthe`}bhv} aez aytyzi @AM h`hthcthqi}.

Coch`}t ckk ea tbh} jcmnozey`d+ Ozio ]tyczt+ okejck MIE ea tbi Lejhki Lcznithò C}}emhcthe` "LLC(+

bc} ej}izqid7 Ha H wizi te }yl yv tbi qckyi ea lejhki te lcznitiz} ht weykd ji tbh}7 @etbhò oit} c

lcznitiz mke}iz te me`}yliz} tbc` lejhki. @etbhò. "Tbi _bizi Jy}hì}} :63:(

Xit lc`x jy}hì}}i} c`d coi`mhi} bcqi èt xit }tzctiohid bew te tcni cdqc`tcoi ea tbi melhò

lejhki imellizmi wcqi. ]hlvkx vyt+ lc`x lcznitiz} czi y`}yzi bew te bczì}} tbi vewiz ea

lejhki+ ]tyczt }cx}. Tbix nèw tbix ìid lejhki. Jyt tbi me`mivt ea lejhki kicdhò lcznithò

iaaezt} h} }thkk tee y`ìzqhò c`d yàclhkhcz.


6/11


LaezLejhki Vcoi 9

Lejhki vcxli`t h}}yi} te ji cddzi}}id

H` tbi wezd} ea Qikkc "LaezLejhki :63:j(+ tbi mbckkiòi} c}}emhctid whtb lejhki imellizmi bcqi

vzedymid tbi le}t diivkx c`d jzecdkx viìtzctid timbèkeox iqiz.

Qikkc bc} hdi`thahid ahqi tzi`d} wbhmb czi dzhqhò tbi leqi tewczd} lejhki vcxli`t}7

Tbi lc}}hqi+ zcvhd c`d okejck viìtzcthe` ea lejhki.

Tbi iqekythe` ea leìx azel qhztyckh}cthe` ea qckyi azel jcztiz te jht}.

Tbi viz}e`ckh}cthe` ea lejhki vcxli`t}+ wbhmb bc} zidymid tbi vzerhlhtx ea jc`nhò azel

mhtx te tew` te beli te vemnit.

Tbi me`qizoi`mi ea y}iz h`tizacmi c`d irvizhi`mi+ wbhmb bc} kid te c lizohò ea diqhmi} c`d

ay`mthe`ckhtx.

Tbi bxvizme`ìmthqhtx ea okejck lcznit}.

Lhni LmDe`ìkk+ Qhmi Vzi}hdi`t+ Vzedymt Lcznit ! Mkhi`t ]ekythe`} ct Caah`he` Kexcktx Ozeyv+ bc}

ètid tbi aekkewhò hàkyi`mi} e` cdevthe` ea lejhki wckkit} ":63:(7

]lcztvbeì ewìz}bhv h} ozewhò jyt h} èt xit ct mzhthmck lc}}.

Tbi lejhki wckkit i`qhze`li`t h} irtzilikx azcoli`tid.

Tbizi czi ozict evvezty`hthi} aez lizmbc`t} te zy` kexcktx vzeozclli} te dzhqi iòcoili`t

whtb lejhki wckkit}.

Lejhki }imyzhtx h}}yi} ly}t ji zi}ekqid.

H` dh}my}}he` whtb LaezLejhki+ Lcttbiw Lcxe+ Bicd ea Jy}hì}} Diqikevli`t ct Lc}tizMczd+ c`d

]tiqi Zixèkd}+ Vzi}hdi`t ea tbi Lejhki Dctc C}}emhcthe` "LDC(+ eaaizid tbh} }yllhò,yv ea tbi

vzi}i`t }htycthe` "LaezLejhki :63:m(7

]tc`dczdh}hò tbi lejhki wckkit timbèkeox bc} jii` c`d zilch`} c lcgez mbckkiòi.

Eì zimelli`did meyz}i aez jc`n} h} te evi` tbihz ìtwezn} te tbhzd,vcztx lejhki wckkit}.

Yàchkhò }imyzhtx h` lejhki wckkit} h} vczcley`t te i`}yzi me`}yliz meàhdi`mi.

@icz Ahikd Melly`hmcthe` "@AM( whkk vzejcjkx ji tbi y`hqiz}ck bc`d}it,te,thkk timbèkeox.

Tbi melvc`hi} khnikx te jiìaht le}t azel lejhki wckkit} whkk ji tbe}i tbct cdevt c

my}teliz,ahz}t }tzctiox.

H` c ditchkid c`ckx}h}+ Vizi ":63:( dh}my}}id wbct bi me`}hdizid te ji tbi ahqi vzhlczx h}}yi} tbct

ly}t ji cddzi}}id ha lejhki vcxli`t} czi te jimeli tbi acqeyzid litbed ea vcxli`t.


7/11


8/11


LaezLejhki Vcoi ?

Meàhdi`mi+ tzy}t c`d }imyzhtx

Ht whkk zisyhzi me`}hdizcjki iaaezt} jx iqizxeì h` tbi }yvvkx mbch` te i`}yzi tbct tbi timbèkeohi}

jibh`d lejhki wckkit} czi }imyzi c`d y`bcmncjki+ cmmezdhò te Zixèkd} "LaezLejhki :63:m(.

Zixèkd} wcz`}7 Eì lcgez jzicmb meykd }ho`hahmc`tkx dclcoi c jzc`d ez timbèkeox+ c`d }iqizikx

hlvcmt me`}yliz meàhdi`mi.

Zete`de ":63:( veh`t} eyt tbct tbi me`miz` cjeyt vcxli`t }imyzhtx h} c` ej}tcmki te tbi whdi}vzicd

cdevthe` ea imellizmi h`tiz`cthe`ckkx. Ht weykd lcni }i`}i aez tbi h`dy}tzx te chl aez c okejck+

h`tiozctid lcznit aez }imyzi H`tizìt vcxli`t}.

E` tbi lymb lezi i`meyzcohò }hdi+ me`}yliz meàhdi`mi h` lejhki vcxli`t }imyzhtx h} h`mzic}hò

"Eodi` :63:(. NVLO bc} vzidhmtid c 8?) c``yck ozewtb h` lejhki vcxli`t} eqiz tbi ìrt tbzii

xicz}. Eodi` melli`t}+ Tbi aezimc}t} ckkew y} te c}}yli tbct me`}yliz} whkk ji we` eqiz h` tbi

jcttki jitwii` me`qi`hi`mi c`d }imyzhtx. Ht} èt bczd te }ii wbx> tbi ìrt oiìzcthe` ea

me`}yliz} melhò tbzeyob irvimt te ji cjki te lcni zick,thli+ mc}bki}} vcxli`t}. E`mi tbi

me`qi`hi`mi acmtez h} dile`}tzctid+ ht we`t ji keò jiaezi me`}yliz} }tczt te kicqi jibh`d tbihz}imyzhtx wezzhi} c`d iljzcmi lejhki vcxli`t}.

_be whkk }ymmiid h` tbi zcmi wbhmb h} jimelhò lezi c }vzh`t te jimeli c kicdiz h` tbi lejhki

wckkit lcznit5 Lcxe "LaezLejhki :63:m( melli`t}7 Tbe}i tbct cdevt evi` }tc`dczd} c`d

ìtwezn} te }yvvezt tbihz wckkit. Tbe}i tbct aemy} e` tbi my}teliz irvizhi`mi. Tbe}i tbct mc` dzhqi

h`mzili`tck ziqi`yi azel tbi }izqhmi wbhki èt bcqhò c ditzhli`tck hlvcmt e` tbihz vcztìz}.


9/11


LaezLejhki Vcoi 2

Me`mky}he`}

Viz mcvhtc y}i ea lejhki vcxli`t} h} ozictiz h` diqikevhò ziohe`} tbc` h` tbi Y] jimcy}i tbe}i

ziohe`} czi y`dizjc`nid. Vievki h` tbi Y] bcqi cmmi}} te lymb lezi irti`}hqi c`d me`qi`hi`t

tzcdhthe`ck jc`nhò }izqhmi}. Iqi` }e+ tbi y}i ea lejhki wckkit} h` tbi Y] h} irvimtid te lezi tbc`

deyjki iqizx xicz azel :63: te :631.

Lc`x Y] me`}yliz} czi cwczi ea tbi cdqc`tcoi} ea y}hò lejhki wckkit} jyt tbi timbèkeox bc}

cdqc`mid }e syhmnkx tbct lejhki wckkit} czi }thkk kczoikx c èqik me`mivt. Lc`x }lckk jy}hì}}i} bcqi

xit te mctmb e` te tbi vewiz ea lejhki vcxli`t} c`d lejhki wckkit} te jyhkd c melviththqi jy}hì}}

cdqc`tcoi.

Me`miz`} cjeyt jc`nhò }imyzhtx czi bekdhò jcmn lc`x azel }whtmbhò te lejhki wckkit}+ èt e`kx h`

tbi Y] jyt okejckkx. Bewiqiz+ me`}yliz meàhdi`mi h` lejhki ah`c`mhck }imyzhtx h} h`mzic}hò.

E`mi tbi }imyzhtx me`miz`} czi eyt ea tbi wcx+ me`}yliz} whkk }thkk bcqi te ji dzcw` h`te lejhki

vcxli`t} jx wcx ea iòcohò c`d ziwczdhò lejhki wckkit irvizhi`mi}.

Aez lejhki wckkit} te och` aykk tzcmthe`+ tbi lejhki c`d c}}emhctid h`dy}tzhi} ly}t mkicz c `yljiz ea

byzdki}. Timbèkeohmck azcoli`tcthe` h} myzzi`tkx c` h}}yi jimcy}i ea tbi kcmn ea melle` }tc`dczd}.

Tbi kcmn ea h`tizevizcjhkhtx jitwii` lejhki vcxli`t }x}til} h} ck}e c` ej}tcmki. ]e h} tbi tczdhì}}

ea kcwlcniz} h` }itthò }tc`dczd zioykcthe`} aez lejhki vcxli`t}.

Tbizi h} whdi me`}i`}y} h` tbi lejhki h`dy}tzx tbct @AM whkk ji tbi timbèkeox ea ahz}t mbehmi aez

lejhki wckkit}.


10/11


LaezLejhki Vcoi 8

Ziaizi`mi}

Mikkykcz,ìw}. :63:. Vcztìz}bhv} te ji vczt ea }ymmi}}ayk }tzctiox h` lejhki vcxli`t lcznit.

Cqchkcjki7bttv7%%www.mikkykcz,ìw}.mel%}tezx%99194.vbv

Me`tzek]mc` c`d Tzc`}Ahz}t7 ]lckk lizmbc`t} c`d lejhki vcxli`t}7 c vyk}i mbimn e` timbèkeoxcwcziì}} c`d cdevthe`. Cqchkcjki7bttv7%%www.laezlejhki.mel%lejhki,wckkit,

}yllht%vda%]lckkLizmbc`t}LejhkiVcxli`t}.vda

Deehgi}+ Lhmbcik. :63:. Lejhki wckkit}7 tbi }lczt wcx te }bev. ]khdi }bew. Cqchkcjki7

bttv7%%www.laezlejhki.mel%lejhki,wckkit,}yllht%vda%_ckkit}_ijh`cz.vda

Gczqh}+ Ozcbcl. :63:. Ki}}e`} h` lejhki iòcoili`t h` zitchk7 @AM+ cyoli`tid zickhtx c`d ZAHD.

LaezLejhki wbhti vcviz}. Cqchkcjki7 E` zisyi}t. Me`tcmt7 Biki` Zcaa+ LaezLejhki7

biki`Flaezlejhki.mel

Gczqh}+ Ozcbcl. :63:. _hkk Lejhki c`d Dhohtck _ckkit} zickkx tcni eaa5 LaezLejhki wbhti vcviz}.Cqchkcjki7 E` zisyi}t. Me`tcmt7 Biki` Zcaa+ LaezLejhki7biki`Flaezlejhki.mel

Geb`}e`+ C`dziw. :636. H`tizevizcjhkhtx h}}yi} ilizoi c} lejhki,vcxli`t} h`hthcthqi} ozew.

Vcxli`t}]eyzmi. Cqchkcjki7

bttv7%%www.vcxli`t}}eyzmi.mel%ìw}%h`tizevizcjhkhtx,ilizoi,lejhki,ozew,=664:93,3.btlk

Lc}+ Ho`cmhe. :63:. ]lcztvbeì} c`d Lejhki Vcxli`t}. ]tcàezd ]emhck H`èqcthe` Ziqhiw.

Cqchkcjki7bttv7%%www.}}hziqhiw.ezo%jkeo%i`tzx%}lcztvbeì}Uc`dUlejhkiUvcxli`t}

LmDe`ìk+ Lhni. :63:. ]khdi }bew e` lejhki wckkit}. Cqchkcjki7

bttv7%%www.laezlejhki.mel%lejhki,wckkit,}yllht%vda%LhniLmDe`ìkk.vda

LaezLejhki. :63:. :`d C``yck @AM Vcxli`t} Y]C :63:. Cqchkcjki7

bttv7%%www.laezlejhki.mel%vcxli`t}y}c%

LaezLejhki. :63:. Lejhki _ckkit} ]yllht Iyzevi7 _ijh`cz. Cqchkcjki7

bttv7%%www.laezlejhki.mel%lejhki,wckkit,}yllht%vzilhyl,me`ti`t,dk.vbv

LaezLejhki. :63:. Viz}vimthqi} e` lejhki wckkit}. Cqchkcjki7 E` zisyi}t. Me`tcmt7 Mbzh} Sychki+

LaezLejhki7mbzh}Flaezlejhki.mel

Eodi`+ @hmn. :63:. Lejhki vcxli`t} , h} tbi vyjkhm zicdx te tzy}t xit5 Ahìrtzc. Cqchkcjki7bttv7%%www.ahìrtzc.mel%melly`htx%aykkjkeo.c}vr5jkeohd


11/11


LaezLejhki Vcoi 36

]tyczt+ Ozio. :63:. _bx lcznitiz} ìid te oit lejhki. Cqchkcjki7

bttv7%%www.ac}tmemzicti.mel%31238?:%wbx,lcznitiz},ìid,te,oit,lejhki,bh`t,jimcy}i,lejhki,h},

jkewhò,yv,lcznithò

Tbi_biziJy}hì}}. Vzivczhò tbi lcznit aez lejhki wckkit}. :63:. Cqchkcjki7

bttv7%%ìw}.tbiwbizijy}hì}}.mel%kemcthe`,jc}id,}izqhmi}%vzivczhò,lcznit,lejhki,wckkit}

Qikkc+ Zex. :63:. Tbi lejhki wcqi7 tbi aytyzi ea leìx. ]khdi }bew. Cqchkcjki7

bttv7%%www.laezlejhki.mel%lejhki,wckkit,}yllht%vda%Lejhki_cqi.vda
http://www.fastcocreate.com/1681972/why-marketers-need-to-get-mobile-hint-because-mobile-is-blowing-up-marketinghttp://www.fastcocreate.com/1681972/why-marketers-need-to-get-mobile-hint-because-mobile-is-blowing-up-marketinghttp://www.fastcocreate.com/1681972/why-marketers-need-to-get-mobile-hint-because-mobile-is-blowing-up-marketinghttp://news.thewherebusiness.com/location-based-services/preparing-market-mobile-walletshttp://news.thewherebusiness.com/location-based-services/preparing-market-mobile-walletshttp://www.mformobile.com/mobile-wallet-summit/pdf/MobileWave.pdfhttp://www.mformobile.com/mobile-wallet-summit/pdf/MobileWave.pdfhttp://www.mformobile.com/mobile-wallet-summit/pdf/MobileWave.pdfhttp://news.thewherebusiness.com/location-based-services/preparing-market-mobile-walletshttp://www.fastcocreate.com/1681972/why-marketers-need-to-get-mobile-hint-because-mobile-is-blowing-up-marketinghttp://www.fastcocreate.com/1681972/why-marketers-need-to-get-mobile-hint-because-mobile-is-blowing-up-marketing

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