mobiquitymobiquity

mobiquity mobiquity mCommerce PlatformmCommerce Platform

Who says Elephants cann’t do Garaba ? Who says Elephants cann’t do Garaba ?

mobiquitymobiquity

Mobiquity - mCommerce Anekantavada ( Subjectivism ) ( Subjectivism ) Reality is perceived differently from different points of view, and that no single point of view is completely true.

Project Sponsor View

OR

Organizational View.

Value model / Segments of eCommerce. Commercializing Ng mobile VAS Services Business & System Models.

Project Implementation View Customization for specific Processes . Client Applications integration

Functional Product Requirements View

Universal Value Money , Credit , Virtual Value ,eXchangeable items

Building Blocks Services - OMG standards createPayment , createOrder , postGL , createParty

Domain Services Hospitality , Digital Business , Travel , Finance.

Technology View Software Framework & Infrastructure Architecture. Support for Various UI Modes. Support for Partner Services Integration for “Functional

Operations View ( Security )( Security ) Executive BI and Reporting Partner Revenue Agreement / Settlement OSS &Customer Care

Banking & Legal View Partner Banks Perspective.Clearly Defined Information Rights

mobiquitymobiquity

Organizational View What eCommerce mean to them ?

Organizations Most “Value segment”. [ Check Relevant Modules ] Electronic retailers Electronic catalogues (e.g Yellow Pages Filtered by M-Wallet Users) Electronic supplier & procurer networks Electronic notification system ( Stocks etc. ) On-line auctions & Reversed auctions

Commercializing Ng mobile VAS Services Get Paid Ng mobile Service Pay Ng mobile Services.

Business & System Models of Ng mobile VAS Services. Business Models System Models. Business & System Model Integration

For Business Model -> System Model should provide ways to achieve Business Objective.

mobiquitymobiquity

Organizational View Commercializing Ng mobile VAS

Services

Subscribers “Get Paid “ in MobileWallet Using Advertising Services Coupons from Vendors Using ‘Sponsor Ringtones’ Taking Surveys Referrals Calling Back… On-line auctions & Reversed auctions Commissions

Subscribers “UsesMoney“ in MobileWallet Mobile TopUp. Pay Utilities Transfer M-money Pay Digital services Pay services (Travel services : Riksha )

Courtesy : ???? Need to create

mobiquitymobiquity

Organizational View OMG eCommerce Base

Business Models.Retail Point of Service (POS) -

Person is paying using either an attended (clerk at check-out counter), or an unattended terminal at a merchant’s place of business (self-serve gasoline and grocers)

Person is paying using a remote terminal that is not under merchant’s control (Amazon, JC Penny Catalogue, e-payment for taxes)

Bill Payment – Consumers pay a business for a “work for hire” (landscaping), subscriptions (Comcast, AOL), utilities (electricity), insurance

Remittance information required

Payment & Penalty schedule required

Person-to-Person payments (no business involved)

Direct funds transfer (Wire transfer, Western Union)

Indirect funds transfer (credit card, money order, travelers checks)

Commercial Payments

T & E – requires requires supporting details (hotel bill, restaurant receipt)

Purchasing card – requires remittance information and approval authorities

Purchase order payment – requires contract, remittance information, approval authorities, delinquency fees

mobiquitymobiquity

Organizational View Base System Models

System Models

Systems and services to be explained by each of the models

Payment devices – e.g., Wireless – PDA (IR), Phone (RF or IR) , Proximity (RF); Wired – Magnetic Strip, Chip, Key Terminal, electronic check

Authorization, Clearing & Settlement operation for payment

Authentication of payor and payee

Micro payments (Macro are covered in the SWIFT model)

Payment accounts – checking, savings, revolving charge, credit cards, cash advance

Different Access Models, Trading Models, Security Models, Payment Models

Business & System Model Integration.

For Each Business Model , System Model should allow achieve Business Objective

Define ‘Template System Process’ combining ATCP models interactions

Define Strategy for BaseSystemModel which gets subClassed for every Business Model.

mobiquitymobiquity

Client Project Implementation View Process-Driven Approach

Bank Travel Site Payment GatewaySDP

E-CommerceAccountingOrde

rsOrde

rs

Telecom OSS

Design

Process

Definition

Execute Analysis

Change

Monitor

Information IntegrationInformation IntegrationEnterprise Service BusEnterprise Service Bus

ITIT

BusinessBusiness

Transaction Execution

Business Process Business Process ManagementManagement

SOA GovernanceSOA Governance

MetadataMetadata

mobiquitymobiquity

Project Implementation View Customization eCommerce

Model Client Business

Map Business Processes

Core Business Services ( Order etc… ) Select Business Composite Applications

Set up Books of Accounts &GL

Business Simulation & Mock Runs

Use Jmeter Based Load testing.

Design the Systems & Identify Gaps in Functionality

Implement the Systems by Customization – Rules and Process additions Adding Business Applications

Test & Deploy Systems

Bu

sin

ess

Arc

hit

ect

IT

Arc

hit

ect

mobiquitymobiquity

Project Implementation View eCommerce Project Cycle

Model Client BusinessUsing Standard Processes defined by Standard bodies like ebXML

Map Business Processes Check existence of Process Models in Mobiquity eCommerce

Customize eCommerce Use Customization Points to make software adaptation for Client needs. Define new applications on the platform using Mobiquity tools. Achieve Integration with Partners & Client Apps using MEPs.

Client Appl integration e.g. CMS By Data Replication By Service Integration

Ecommerce Project Cycle

Model BusinessRequirements

Model CurrentState

Project TeamTraining

ProjectPlanning

Map to Ecommerce Functionality

DevelopCustimazations

if necessary

BuildAppropriateInterfaces

Design andDevelop DataConversions

IntegrationTesting

AcceptanceTesting

Use SimulationsFor Visualization

Post - Implementation

Support

End UserTraining

Identify GapsDesign

SolutionsFuture

State Design

Iteration 2..

Iteration 1

mobiquitymobiquity

Project Implementation View Using Business Process Standards.

mobiquitymobiquity

Functional Product Requirements View Implementing standards

Universal Value Money Credit Virtual Value exchangeable items

Building Blocks Components - OMG standards Party , GL

Building Blocks Services - OMG standardscreatePayment , createOrder , postGL , createParty

Domain Integration Services Hospitality , Digital Business , Travel , Finance.

Telecom Integration Services SDP Integration IMS Integration Native IN Integration ( Webservices ; Http ; Telnet )

mobiquitymobiquity

Functional Product Req View Understanding Typical eCommerce @Macro Level

mobiquitymobiquity

Functional Product Requirements View OMG Party – e.g. Subscriber

mobiquitymobiquity

Functional Product Requirements View OMG Order ( eCommerce Transaction )

mobiquitymobiquity

Functional Product Requirements View Payment SubView

mobiquitymobiquity

Functional Product Requirements View OMG GL : Going In & Coming Out

mobiquitymobiquity

Technical View Building eCommerce Framework

Make it look Challenging

General Frameworks: OMG eCommerce Domain Specifications ebXML Technical Architecture, MPEG-21 & IMPRIMATUR Business Model,

Trading Models: Ad Hoc Functional and Process Models, Global Commerce Initiative & Protocol, Internet Open Trading Protocol (IOTP), RosettaNet, Secure Electronic Market Place for Europe (SEMPER)

Payment Models: Electronic Payment Technologies, Secure Electronic Transaction (SET), TC 224 Report on 'Card-related secure commercial and financial transactions

Security Models: eEurope Smart Card Charter’s Global Interoperability Framework

Mobile commerce Models: OMA (MeT)

Web Services Architectures: Various Standards

Make it look Easy

Open Source Frameworks: Ofbiz ; Amexdes

mobiquitymobiquity

Technical View Mobiquity Technical View

Mobiquity ArchitectureA. Mobiquity Access Models & MechanismB. Mobiquity Composite Business AppsC. BTSL Reusable Components D. Enterprise Service BusE. Payment Models for Integrating with Payment GatewaysF. Trading Models ???G. Security Models ???H. O&M Integration Models.I. Client App Integration Pattern Models – Jencks

Mobiquity Payment Processing A. Get Mobile WalletB. Shop with Mobile WalletC. Mobile Shopping -- “CNF” transactions.D. Mobility Security & Fraud DetectionE. Mobility Payment SettlementF. Mobility Transaction Management

.

mobiquitymobiquity

Technical View Programmer SubView

mobiquitymobiquity

Technical View Infrastrucure Layer SubView

Operating System / Virtualization

Machine

DBMS \ LDAP Telecom Network Elements

JTA \ XA Transactions

BusinessProcess Platform

Custom businessprocesses & analytics

Application Platform

Technical Platform

Scriptable Scriptable MiddlewareMiddleware- Rules Rules - WorkflowWorkflow- SchedulerScheduler

•Reusable Business Components•Reusable Trading Services•Reusable Security & Payment Services•Reusable Message Exchange Patterns

Composite Applications ( Open Business Scripting Lang )

mobiquitymobiquity

Technical View Mobiquity Architecture

mobiquitymobiquity

Technical View Mobiquity Architecture

A. Mobiquity Access Models & Mechanism SMS USSD IVR

B. Mobiquity Composite Business Apps Wallet Manager

Encrypted Storage ; Multiple Security Checks. Subscription Manager

Registration & Lifecycle ; Multiple classification. Commission & Tariff Manager

% charged on subscription % charged on different kind of transactions Configurable min / max value per transaction

Rules and Fraud Manager Depending upon the transaction limits for the particular entity Depending upon the anti-money laundering limits Depending upon the available account balance of the particular entity

mobiquitymobiquity

Technical View Mobility Architecture

C. BTSL Reusable Components Multiple Payment Adaptors

Payment Gateway Adaptor ECS / EFT Google CheckOut / Paypal

Multiple IN telephony adaptors Eriksson Siemens

Order Processing Party Accounts ( Ledger )

D. Service Bus & Customization Language Rules

Customer can define Rules in Custom XML file Customer can define condition for rules to fire

BPEL Customer can customize the process flow.

mobiquitymobiquity

Technical View Mobility Architecture

E. Multiple Payment Gateway Adaptors Banks & Credit Card Companies Payment Gateways

F. Trading Models

G. Security Models

H. O&M & Support Web Tools

Configure Thread Pools Import / Export Customer data from Legacy database

I. Client Integration

mobiquitymobiquity

Technical View Mobiquity Payment Processing

A. Mobility Wallet Registration User Registers with Mobility Wallet

Using Voice Using Web

B. Mobility Service Registration. Operator configures which services can be paid

using Wallet Configures Payment Type since multiple

payment methods available. Configures rules for limits for customer

seqment

C. Mobile Shopping -- “CNF” transactions.

D. Mobility Security & Fraud Detection TBD

E. Mobility Payment Settlement TBD.

F. Mobility Transaction Management

mobiquitymobiquity

Banking View Banking Money Flow between Parties

Customer/Cardholder

Bankcards and Issuers MasterCard and Visa cards are sometimes known as

bankcards because individual financial institutions issue them, banks for example, instead of the credit card company itself, such as American Express® or Discover®.

If the financial institution (or issuer) accepts the customer's application, it issues the Visa or MasterCard card.

The card may be a credit card, which means that the bank has authorized a line of credit from which the customer may draw;

or a debit card, which is tied to the amount of money actually on deposit for the customer,

or a commercial card, which is used for business credit charges

Merchant Meanwhile, you or your business has opened a Mwallet

( bankcard transaction deposit account ) with your bank, and your business has been approved for card acceptance.

You are an authorized to acceptor of cards for the payment of goods and services.

Courtesy : Global Payments

mobiquitymobiquity

Banking View Transaction Process Models( BPEL ? )

Authorization and Electronic Data Capture Capture Card Details - Card number, expiration date, and counterfeit detection value YCS then electronically routes the electronic data from the card to the card issuer. The card issuer checks the cardholder account status, and the requested authorization amount is compared to

the cardholder’s available spending limit The card issuer reviews with fraud protection tools. If the card is approved, the issuer posts the approved

amount against the cardholder’s credit line and the card issuer provides the authorization approval. At this point, the authorization response is returned by the card issuer to the merchant and routed through YCS , the processor.

Funding The process of moving the funds from the cardholder’s account to the merchant’s account is called funding.

During funding, the issuing bank credits the merchant’s account with the amount of the transaction. The merchant deposits the transaction receipt with the merchant’s bank. The draft is routed to the cardholder’s issuing bank, which debits the cardholder’s account and sends the

cardholder’s monthly statement for payment.

Settlement The process of moving the transaction information from your business to the cardholder’s financial

Institutions is called settlement.Visa & MasterCard maintain authorization and settlement networks for bankcard processing and charge a fee for their use. This is transaction percentage, and this is the foundation for discount rate.

Chargeback Discount Retention of Order Transaction History

mobiquitymobiquity

Banking View Banking APIs

Card Authorization Check Verification, Guarantee and Recovery Merchant Accounting Chargeback Handling Credit Card Processing Debit Card Processing Electronic Benefits Transfer Processing Reconciliation Settlement

mobiquitymobiquity

Banking View “Card Not Present Transactions”

Card Not Present transactions are those that occur when there is no face-to-face contact with cardholder. It includes purchases made:

By Mail ( Mail Order/MO/TO) or By Telephone ( Telephone Order/MO/TO) or By Fax Over Internet (E-Commerce) or Over Wireless & Voice ( referred to as M-Commerce and

V-Commerce )

Card Not Present Process Flow : Get subscriber Information

cardholder's name, card account number & expiration date the cardholder's billing address and zip code. ( for Authorization.)

Request the three-digit card authentication number (CVV2/CVC2/CID) from the signature panel. ( 4 digit for American Express )

Make sale on signature as TO (telephone order) or MO (mail order). Provide a copy of the ecommerce transaction to the cardholder, either with the cardholder

order (if being shipped to the cardholder) or separately (i.e. if purchase is a gift). The transaction date is the date services / goods were shipped to the cardholder.

Electronically printed sales receipts provided to cardholder should truncate or mask the account number

mobiquitymobiquity

Operations View Sponsor - Executive BI

Courtesy : Fujistu

mobiquitymobiquity

Operations View Container Virtualization

Order Party BPM

Supply

Demand

Adaptive Infrastructure

eCom B2B

Challenges associated with current deployments Static resource provisioning Difficult to re-allocate resources & Lack operational efficiency/ agility

Solution to provisioning and operational issues Virtualize container-based deployments on shared resources Use policy to dynamically change allocations at runtime Increased control and enable self management

Service-Based Applications

Service-Based Applications

Grid ResourcesGrid Resources

Container Virtualization

Container Virtualization

mobiquitymobiquity

Operations View SOA and Virtualization – Multiple Containter :???

Application/Service Virtualization Environment

ESB/JMS Ecommerce Application SOA - WSDL

Data Services

Wireless Service Clients

Wireless Service Clients

Voice Clients

Voice Clients

HTTP/ JMS/Java Clients

HTTP/ JMS/Java Clients

Connectivity

Partner Web

Services

Partner Web

Services

Versioning FailoverRecovery

ExecutionManagement

PluginArchitecture

PackagingDeployment

Adaptive Provisioning

DynamicScaling

PolicyFramework

Logical Application Domains

Shared Infrastructure (Grid)

mobiquitymobiquity

Operations View Container Technologies – a Common Abstraction

Container of Containers

Application Server IBM WebSphere 6.1 Geronimo 2.0

Servlet Container Tomcat Jetty

Data Services Terracotta

SOA Containers IBM SOA ServiceMix - Fuse JBI Providers

Telecom Services Jencks based JCA connections. SDP integrations.

C1

BindingHTTP/HTMLRMIHTTP/SOAPJMS,SMTPProprietary,SDP - IMS

ArtifactsJars, EARSWARS, XMLCache loadersNative Libraries

CapabilitiesServer endpoint

ThreadingSecurity

TransactionsCache replicationTransformation

Processing

Trans

TransC3

C2

mobiquitymobiquity

Operations View Automatically Resize Containers Based on Policy

Policy

Provision

Alert

Measure

SLA

8:15 AM

8:30 AM

8:45 AM

Services 1 Services 3Services 2

Services 1 Services 2 Services 3

Services 1 Services 2 Services 3

Time

Allocation

100%

mobiquitymobiquity

Operations View

Courtesy : Fujistu

mobiquitymobiquity

Operations View Security Enhancements

Web Application Security Login ID and password authentication IP address authentication Time of day and days of week based login control Role based authentication HTTPS for secure transmission Forced password change every n days Forced session idle timeout

Each transfer has a unique transaction ID

Transaction ID sent to IN for reconciliation

Periodic balance checksum

Automatic and manual transaction rollback provided

mobiquitymobiquity

Legal View eCommerce Law

What is “common” information?

What information can pass thro wire Transmission amenity

What information both trading parties can interpret

Security with SSL and Private – Public Key infrastructure is reasonable. How to handle information in changing contexts?

? Who decides and what jurisdiction does the Changing Law gets interpreted.? Validity of future laws to be binding for both parties; any safeguards for withdrawal from contract in case of discriminatory laws.

Who own the information? Owing Information can give full or partial rights to use, perform Business Analysis, sell full , partially or aggregated values etc. Architecture should be capable of switching Permissions to ownership ASAP with Law.

Who controls the information? What communication mechanism needs to be inbuilt for fraud mitigations.

Who quality-controls the information? Mandatory Requirements for storage Mandatory Requirements for Transmission and level of encryption. Process Framework for both automated and manual intervention.

What ensures information is available, accurate & of the “required” quality? Enforcing Rules Updates from VISA & Government etc.

mobiquitymobiquity

Make Money Mobile