Comparison with other Mobile Payment System

4.3.1 Comparison with Sonera

Sonera MobilePay mobile payment solution has been introduced in section 2.4.1. We compare the payment procedure of MobilePay with our proposed solution. This payment scenario may be happened in these situations that a user and a merchant in the same mobile network or not. Moreover, a user and a merchant may belong to the members who register to the same third party. If a user wants to buy drink from a vending machine. He sends a payment request to AAA server with merchant identity by his mobile phone. AAA server assures that the vending machine has been registered by the merchant and sends notification to the vending machine. The vending machine will reply a result to AAA server. AAA server then sends the result to the user. The user gets the drink from a vending machine. At last, AAA server notifies the Charging Payment Gateway (CPGW) to make financial transfer. The CPGW depends on which payment account user chose in the first request message of the transaction to debit user’s account and credit merchant’s account. The procedure is shown in Figure 4-3. Our proposed solution provides more choices of payment methods such as prepaid, postpaid, bank account transfer, payment code request and cooperated third party account.

User 3G mobile

Vending Machine 5. Good Released

0. 3G Authentication and activate anonymous mobile payment service

6. Notify PaymentGW to debit user account

and credit merchant account

1. Payment reqeust

2. Notification merchant 4. Reply answer

3. Reply answer

AAA Server

Figure 4-3: Our proposed anonymous mobile payment similar with Sonera MobilePay

4.3.2 Comparison with GiSMo

GiSMo mobile payment solution has been introduced in section 2.4.2. We can compare the payment procedure of GiSMo with our proposed solution. A user wants to buy goods from merchant web site and the merchant is not the user of mobile network as same as the user. The merchant may be in the internet or other networks. The user sends a payment code request to AAA server by his mobile phone. AAA server replies a payment code to the user. The user input the payment into his web form with his purchase to merchant’s web server. The merchant’s web server sends a request with the payment code to assure that the payment code is valid. The user gets the good from the merchant. At last, AAA server notifies the CPGW to make financial transfer. The CPGW depends on which payment account user chose in the first request message of the transaction to debit user’s account and credit merchant’s account.

The procedure is shown in Figure 4-4. We can provide more choices of payment methods

described in section 4.3.1, we also provide the mobility that GiSMo payment solution cannot support because GiSMo payment solution uses PCs with less mobility to purchase.

User 3G mobile

AAA Server

Merchant Web Server

4. Order details 1.Payment code request

2, Code

5. Apply the code request 6. Notify PaymentGW

to debit user account and credit merchant

account

0. 3G Authentication and activate anonymous mobile

payment service

7, Payment complete

Figure 4-4: Our proposed anonymous mobile payment similar with GiSMo solution

4.3.3 The extension of the mobile payment with a third party

Banks or other financial service companies can take the third party role in a payment. A third party can provide account transfer to their customers through the network operator.

Before, a network operator provides mobile access network service. Nowadays, a network operator can become a mobile payment service provider that can charges customers for their content service providers and make account transfer through the third parties. The network operator takes the financial service role; they also have their own content service providers.

Other mobile payment service providers, such as we have described in sections 2.4.1 and 2.4.2, are considered to be the third parties in our proposed solution and the third party cannot cooperate with a network operator. It means that if a user want to download the content from a content service provider who has signed a cooperation contract with the third party, they not

only should pass the authentication of the 3G networks but the authentication of the third party mobile payment service.

Though they are operator-independent, we can consider them as the extension of the mobile payment service a network operator provides. A network operator can provide the authentication procedure to the third party. A user can only pass authentication of the network operator one time and use the mobile payment services provided by third parties.

User 3G mobile

Vending Machine 8. Good Released

0. 3G Authentication and activate anonymous mobile payment service

7. Debit user account and credit merchant

account

AAA Server Third Party Server

5. Notification

merchant 6. Reply answer

Figure 4-5: Our proposed anonymous mobile payment with third party

4.3.4 The Comparison of Mobile Payment Services

One significant advantage of a mobile payment system is that purchase can be charged directly to the subscriber’s phone bill and administrated by a network operator in our proposed anonymous mobile payment solution. Sonera MobilePay and GiSMo mobile payment solutions are all operator-independent. They just use the resource of the mobile network as the data bearer. They need another third party account to support the payment system and are limited to some situations, such as less mobility in GiSMo payment system

and less extendable with other third parties in Sonera MobilePay payment system.

It is hard to compare the performance with these mobile payment services. Our proposed solution is for 3G networks and Sonera MobilePay, GiSMo mobile payment solutions are proposed in GSM networks. With the different conditions, we still can compare some features, such as Security, the variety of the payment method, independence, the anonymity and Mobility. The comparison is shown in Table 4-1.

Table 4-1: The comparison with other mobile payment solutions

Security Variety Independent User Privacy Mobility Our

Sonera Based on caller ID and PIN

Simple payment

method

Independent PSP User and merchant must register to

Sonera

Good

GiSMO Based caller ID and PIN

Simple payment

method

Independent PSP User and merchant must register to

GiSMO

Bad

Paybox Based caller ID and PIN

Normal payment

method

Independent PSP User and merchant must register to

Paybox

Good

MobileSmart Based on SMS and PIN

Simple payment

method

Independent PSP User and merchant must register to

MobileSmart

Good