Bergquist Johan Seminar Lcdintl00 a6.1

8/4/2019 Bergquist Johan Seminar Lcdintl00 a6.1

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1 NOKIA Nokia Mobile E-business.PPT/ 27.10.2000 / Johan Bergquist

End user

Home

Corporate

Operator

Authorities

Industry

Creating Value through

Innovation- Mobile e-BusinessJohan Bergquist, Ph.D.

Senior Research EngineerNokia Research Centre, Tokyo


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What is Mobile E-business?

MobileCommerce

Mobile E-business

Facilitatingtransactions

on the move

MobileProductivity

Enabling mobilebusiness processes


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Mobile phone centric future

Millions

1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

1,400

1,200

1,000

800

600

400

200

0

More handsets than PCs connected to

the Internet by the end of 2003 !

More handsets than PCs connected to

the Internet by the end of 2003 !

Projected

cellularsubscribers(Nokia 2000)

Projected PCsconnected tothe Internet(Dataquest 02/2000)

Projected Webhandsets(Nokia 2000)


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End user

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Corporate

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0

20,000

40,000

60,000

80,000

100,000

120,000

1996 1997 1998 1999 2000 2001 2002

Internet User (Land line)

Browser Phone user 82% of Total Internet User

50% penetration

60% penetration

40% penetration

80%of Cellular User66%of Total Internet User

7% of Cellular User70% of Total Internet User

90% of Cellular User

40% of Cellular User58% of Total Internet User

Internet User Forecast

In Japan market, sometime in 2001, browser phone userwill be larger than standard (PC base) internet user.


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Evolution

Mobile phone is the core device withinthe evolving Mobile Information Society

Mobile commerce will be a key areawithin the expanding functionality of themobile phone

Common transaction framework and

shared solutions roadmap is a prerequisitefor rapid mass market take-off of mobilecommerce

Mobile phone is rapidly evolving intodrastically more than a wireless phone - itis transforming into a Personal TrustedDevice


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Mobile phone as the ultimate digital wallet

Mobile phones can handle all transaction related functions Utilization in both virtual and physical worlds Banking and trading

Payment alternatives Loyalty and bonus programs Security and ID functionality

Cartoons! Banking! Travel!

Fun!

Institutions!

Restaurants! Ticketing!


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The Mobile E-business development path

MobileExtension

MobileExtension

MobileExtension

SecureIdentity

SecuredIdentity

GuaranteedPayments

SecuredIdentity

GuaranteedPayments

Context

-sensitivity

MobileExtension

ConsumerValue-add

Time


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Secure Identity is My Identity

PersonalizationMy servicesMy interests

Guaranteed paymentsMy moneyMy assets

Context-sensitivityMy location

My timeConsumer convenience Ease-of-Use for me!

Security My privacy

SECURE IDENTITY


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Digital signature Application level procedure needed to fulfill the criterion

of non-repudiation

WMLScript Crypto Library, WML SignText and WIM Separate key only for signing and Persona Identification

Number asked every time

Replaces the need for visual check of ID cards, hand-written signatures and paper receipts Legislation developing favorably in many leading markets

e.g. Europe via European Union Directive


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MobileInformation

Society

WAP

Connectivity

Multimedia GPRS, 3G

Internet

Bluetooth

Applications Symbian

Synchronization SyncML

Enablers of Mobile Information Society

MeT Transactions


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What is MeT?

To Create a Frameworkfor how secureMobile electronic Transactions can behandled by a mobile device

Ensuring a consistent user experienceindependent of device, service andnetwork.


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The Mobile Electronic Transactions Initiative(MeT)

An initiative by Nokia, Ericsson, Motorola, andSiemens

Core MeT technologies WAPspecifies the global Mobile Internet WIMspecifies the security element utilised

Bluetooth for local communication Mobile Public Key Infrastructureas the security framework

All open, globally accepted industry standards


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PKI infrastructure

Based on asymmetric cryptography (public and privatekeys)

PKI is a system to manage the keys, certificates on theInternet

Created for the Internet but has not been widelysuccessful because of easy substitutes

WAP PKI Document draft in the WAP Forum Addresses certificate enrollment etc.


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WAP + PKI = Total Security Architecturefor Mobile E-business

WAP

Server Origin ServerWIM

CertificationAuthority

Directory

WTLS Encryption

WMLScript DigitalSignature

CertificateAccess

Publishing

WAPTerminal

Now

WAP 1.2

SSL


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GSM - SIM

For payments,access to net bank etc

Chip card semipermanently inside the phone


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Mobey Forum

Customer value by aggregating the requirements of the financial industry on the mobile financial servicesdevelopment path


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Categories of mobile payments

Payments via financial service system Credit/Debit card, electronic fund transfers Strong potential through wide consumer adoption,

global reach and strong back-end infrastructure Intermediated payments

Operator billing, loyalty points

Suitable especially for small payments Direct payments

E-cash and electronic purses yet to show popularity Peer-to-peer payments e.g. over Bluetooth possible


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The impact of virtual presence

A fundamental change in the relationshipbetween buyer, seller and a 3rd partyhandling the payments

Anon-face-to-face transaction that fulfills theauthentication and non-repudiation criteria of a face-to-face transaction

Re-engineering the shopping experienceby combining local area connectivity andglobal network resources

Bluetooth-based instant connection with localdevices such as vending machines but stillaccess to network resources such as paymentmethods


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Secure Access Device

Consumer

Transaction

Applications,Data

Thin Client

Identification

Security Module?


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Secure Signing Device

Consumer

Digitally Signed Transaction

Applications,Data

Thin Client

Identification

WIM


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Secure Payment Device

Identification

Payment Transaction

Payment Application

(SW or HW)

Merchant

AcquirerIssuer

Consumer

or Server-assistedPayment Application


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End user

Home

Corporate

Operator

Authorities

Industry

Thank You!

Bergquist Johan Seminar Lcdintl00 a6.1

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