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