Online shopping is easy with a credit card. But e-commerce remains off bounds for people without these cards and scares those concerned about online transaction security. A handy solution is micro-payments over a mobile phone.
Micro-payments are ideal for purchasing low-cost items on the Web. They can also be used to pay anonymously for digital content and services, through mobile-phone users’ prepaid accounts. "In Europe, around a third of mobile-phone users choose such accounts," says Itamar Galon, of Partner Communications Company in Israel.
Galon coordinates the IST project MEEST, involving a consortium of four partners. The focus is on making mobile e-commerce (m-commerce) easier, safer and more profitable for everyone. The project has developed an end-to-end solution known as m-Token. It embeds technologies, such as reliable authentication, in the mobile phone’s SIM (Subscriber Identity Module) card interconnections. If these technologies are also taken up by merchants, financial institutions and mobile operators, m-commerce transactions will become fast and secure.
Tara Morris | IST Results
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