(keitai-l) Re: Vodafone enters m-payment arena

DCM and Coke seemed to solve the problem with a bar code reader on the
vending machine.  In the BT case, some kind of secure verification
mechanism involving the POS terminal and network transaction clearance
system would seem to be necessary.  The problem is that it can become a
bit clunky (like in the DCM/Coke case) and expensive (from a cost per
transaction perspective--after all this is supposed to reduce
transaction costs, right?).

One solution might be secure rf chips--like the JR Suica card.  I
believe there is transmitter in the card (a minituarized version of the
kind of thing in your car key ring, that when you press it opens your
locks).  They are incredibly cheap and flexible to manufacture, cheap to
operate, and difficult to hack.  That is, this technology does not seem
to have some the problems of other local area rf technologies like
bluetooth and wlan and does not have the network cost problems of wide
area technologies.  

If this rf technology were introduced into phones, either as part of the
sim or a small component in the phone, you could do the following:
1.  Pay for the product using your wide-area network.
2.  The wide area network would signal the vendor of the payment and
your unique, secure rf id.
3.  When you swiped your phone by the reader at the vendor's site, it
could then confirm securely confirm your payment and authorize release
of product, service, etc.



-----Original Message-----
From: ext Curt Sampson [mailto:cjs@cynic.net]
Sent: Tuesday, January 15, 2002 11:55 AM
To: keitai-l@appelsiini.net
Subject: (keitai-l) Re: Vodafone enters m-payment arena



On Mon, 14 Jan 2002, Petri Ojala wrote:

> In principal a BT device in a shop counter/bus/train would be
broadcasting
> payment request that can be picked up by a near-by mobile phone.  The
phone
> would ask the user to accept or deny the request and if the response
would
> be sent back to the device, and charge added to the phone bill.

My first thought was, "wow, cool! And quite possible with current
technology, too!"

But there seems to me one little sticking point here. How do you prove
you've paid? Show the attendant the screen? How does he know it's not a
Java Applet that generated that screen? Take a ticket, or go through a
turnstile? How do you make sure it's the person right next to the ticket
machine or turnstile that approved that payment, and not the guy behind
or next to him?

Hm. Maybe you generate a barcode (good for a limited time only) that
you then swipe at the turnstile or ticket machine.

cjs
-- 
Curt Sampson  <cjs_at_cynic.net>   +81 90 7737 2974   http://www.netbsd.org
    Don't you know, in this new Dark Age, we're all light.  --XTC


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