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Using mobile phones to pay and to collect payments for a variety of things like parking, ringtones, apps, overdue fines, and more is one of the quickest growing tech trends today. This introductory webinar with show you how to pay and receive payments via SMS, Direct Mobile Billing, Web Payment Services, traditional credit card, and the developing Near Field Communication (NFC). The webinar will cover the pros and cons for each.
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P R E S E N T E R : D I A N A S I LV E I RA , N O VA R E L I B RA RY S E RV I C E S
INTRODUCTION TO MOBILE WALLETS
WHAT YOU NEED TO KNOW TODAY
• Mobile Commerce is HERE – NOW! • “Normal” People
are buying from their phones• The market is still
wide open• Privacy & security
will be the biggest issues
http://www.flickr.com/photos/moriza/126238642/
BEGINNERS GUIDE TO MOBILE WALLETS
• Amazon• I-Tunes• App-based
purchases
AGENDA
• SMS• Direct Mobile
Billing• Mobile Web
payments• NFC (Near Field
Communication)
http://www.flickr.com/photos/allard1/4733085752/sizes/m/in/photostream/
SMS
1. User sends SMS with Keyword and unique number to a Premium Short Code.
2. User receives a PIN (User billed via the short code on receipt of the PIN)
3. Finally user enters PIN to get access to content or services.
http://bit.ly/wY7EqX
Image from: http://www.flickr.com/photos/wonderlane/276890512/sizes/m/in/photostream/
SMS (I.E. TEXT MESSAGING)
• PayPal• Venmo
- Need account- P2P
PAYPAL
• Request & send money via SMS • 2.9% transaction fee + $0.30• Discounted Non-profit Rates (2.2%)• PayPal SMS or PayPal Mobile• Bump to exchange contacts & send money
DIRECT MOBILE BILLING
• Declining in use• Ideal for:• One-time purchases• Timed Access• On-going subscriptions from Apps
SQUARE
• Swipe Credit Cards via your mobile device• Can set up “employee
accounts”• Free to Set-up• 2.75% Transactional charge• Instant Receipts
SAIL BY VERIFONE
• Free, encrypting card reader to accept credit card payments on your iOS device.
• 24/7 phone support • Receipts with link to your Facebook,
Twitter, and Yelp• Use your iPhone's camera to scan
barcodes for a faster checkout process.• Integration with traditional VeriFone
countertop credit card terminals.• Pricing:
• No monthly fee and 2.7% per swiped transaction
• $9.95/month and 1.95% per swiped transaction
DWOLLA
• Up and coming• Charges the recipient $0.25
per transaction. And the money sender has the option to assume this cost.• Right now mainly P2P• Ties-into Facebook and
NFC (NEAR FIELD COMMUNICATION)
• Google Wallet: Beta/Limited Availability• Mastercard PayPass• Visa PayWave
Benefits: Stays with you, ease of use,
GOOGLE WALLET
• Libraries can set –up “nonprofit accouts” – 0% transaction fee on credit cards!!!
SECURITY AND PRIVACY ISSUES
Protect Yourself:• Safe/Change Pwds• Lock Phone• Use “Find my
Phone”
• Hackers• Unsecured Transmissions• 3rd party access to your
data• Pick Pockets!!!
BIOMETRICS
• Motorola and others actively working on implementation• Fingerprint/Voice security on mobile devices
Image from http://www.mobioproject.org/
QUESTIONS?
CONTACT INFORMATION
[email protected]/dee987
delicious.com/dee987/mobilepaymentsfacebook.com/NovareLibraryServices
Novare Library Services 877-816-9638
Diana Silveira
