PAYMENTS AND BANKING WITH MOBILE PERSONAL DEVICES

摘要

Mobile personal devices are beginning to be used to perform secure banking, payment, and other transactions. Cell phones, PDAs, and other mobile personal devices are a convenient means for authorizing transactions. In the future, they are likely to incorporate low-cost enhancements providing secure, signed transaction requests, providing third-party verifiable proof of the consumers agreement to each transaction. This support will be flexible enough to support multiple applications, scenarios, and providers. New payment networks are likely to take advantage of the new capabilities, offering such services as micropayments and final payments previously impossible or impractical. Mobile personal devices will play an increasingly important role in payments, banking, investing, and other transaction-based and security-sensitive applications.