The customer
would enter her or his authentication information on a website (or some other
mechanism) and the charges for the purchase will show up in her or his mobile bill
statement. Pre-paid customers will have the charges deducted from their balance
right away.
Pros and Cons
Direct Billing covers most customers and removes the complexity of sending
messages around for billing.
This also makes it less expensive than other methods.
Direct Billing is very flexible in terms of charges, discounts, and billing.
Customers too get itemized bills to show the exact details of the charges and
the goods they bought.
Direct Billing is still not mainstream. Not all operators support it.
Proximity Payment
Proximity Transaction via mobile devices is an interesting method, though not
very popular in the mobile web. The mobile device has a special chip or software/
hardware extension that allows it to communicate with the point-of-sale system.
When the customer goes to the cashier or the POS, the POS and mobile device
communicate with each other, the customer gets a notification on her or his device,
confirms the transaction, and the charge goes through.
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