The method may vary depending on the
services we are providing too??”wallpapers, ringtones, games, movie tickets, contest
voting, clothes, and other goods, or pizzas! We will also need to consider their
location. For some countries, we may be left with only one option of payment, for
others, we may have many.
Once we have figured out the requirements, making a technical choice is easier. Here
are the most common options for mobile payment:
Premium SMS
SMS messages that are charged higher than normal are the most popular mechanism
to get money from customers today. A user will send a text message to a special
number. The network operator will pass on the message to the content provider/
your application. Your application will then deliver the content to the user. Content
may be sent over a WAP Push or any other mechanism. The network operator keeps
most of the money (50% to 60%) and the rest goes to the content provider. After
deducting service charges and taxes, the content provider is typically left with about
20% of the pie.
Chapter 8
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Pros and Cons
Most widely used approach for micro payments.
Network operator manages billing and records.
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