SMS/USSD-based transactional payments Mobile payment

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premium sms / premium mms


in predominant model sms payments, consumer sends payment request via sms text message or ussd short code , premium charge applied phone bill or online wallet. merchant involved informed of payment success , can release paid goods.


since trusted physical delivery address has typically not been given, these goods digital merchant replying using multimedia messaging service deliver purchased music, ringtones, wallpapers etc.


a multimedia messaging service can deliver barcodes can scanned confirmation of payment merchant. used electronic ticket access cinemas , events or collect hard goods.


transactional payments sms have been popular in asia , europe , accompanied other mobile payment methods, such mobile web payments (wap), mobile payment client (java me, android...) , direct mobile billing.


inhibiting factors of premium sms include:



some mobile payment services accept premium sms payments. here typical end user payment process:



remote payment sms , credit card tokenization


even volume of premium sms transactions have flattened, many cloud-based payment systems continue use sms presentment, authorization, , authentication, while payment processed through existing payment networks such credit , debit card networks. these solutions combine ubiquity of sms channel, security , reliability of existing payment infrastructure. since sms lacks end-to-end encryption, such solutions employ higher-level security strategies known tokenization , target removal whereby payment occurs without transmitting sensitive account details, username, password, or pin.


to date, point-of-sales mobile payment solutions have not relied on sms-based authentication payment mechanism, remote payments such bill payments, seat upgrades on flights, , membership or subscription renewals commonplace.


in comparison premium short code programs exist in isolation, relationship marketing , payment systems integrated crm, erp, marketing-automation platforms, , reservation systems. many of problems inherent premium sms have been addressed solution providers. remembering keywords not required since sessions initiated enterprise establish transaction specific context. reply messages linked proper session , authenticated either synchronously through short expiry period (every reply assumed to last message sent) or tracking session according varying reply addresses and/or reply options.








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