In Bank- or Operator- Centric Model, a bank or the operator is the central node of the model, manages the transactions and distributes the property rights. In Collaborative Model, the financial intermediaries and telephonic operators collaborate in the managing tasks and share cooperatively the proprietary rights. In ISP Model, a third party of confidence operates as an independent and “neutral” intermediary between financial agents and operators. Apple Pay or PayPal are the ISP the most frequently associated to this model in these last months.
소액결제현금화 Millicent, originally a project of Digital
Equipment Corporation, was a micropayment system that was to support
transactions from as small as 1/10 of a cent up to $5.00. It grew out of The
Millicent Protocol for Inexpensive Electronic Commerce, which was presented at
the 1995 World Wide Web Conference in Boston, but the project became associated
with Compaq after that company purchased Digital Equipment Corporation. The
payment system employed symmetric cryptography.
So the concept of micropayments is an attractive one, and
over the past few years the twin drivers of smart phones and social networks
have given fresh impetus to the idea. A number of businesses have experimented
with smart phone apps for small non-cash payments, and both Google’s Android
platform and Apple iPhones are micropayments-ready. There are, however,
relatively few unique smart phone platforms.
As described above, the long-run effects of mobile money on
poverty reduction, and the consistent cross-context findings of its ability to
mitigate the effects of negative events, are impressive. However, there are a
number of pre-conditions required for these impacts to be achieved. These
factors include:
소액결제현금화 There are many reviews and evaluations of people
who have actually turned their money into small payments on their mobile
phones. If you look at the user reviews, you can see that most of the transactions
are easy because anyone with a mobile phone can use mobile phone payment
regardless of bad credit. Of course, the same is true for cultural gift
certificates and content usage fees (information usage fees).
Pay-as-you-go mobile phones are a type of micropayment
system, while in parts of Africa, where credit cards are not widely used,
mobile-phone accounts are used for banking and to make payments for small
purchases. In London, the Oyster Card is a pre-charged swipe card used to pay
for local travel, and it has become widely accepted by commuters since its
launch in 2003. There has been talk of extending the use of Oyster Cards for
the purchase of other low-cost items such as newspapers and confectionery, but
these have so far come to nothing call for (032) 5545-5415.
