銀聯商務全名移動支開發文檔

移動商務 (Mobile Commerce)

Mobile Commerce (M-commerce, MC) is a special form of electronic commerce using wireless communication and mobile devices. Mobile commerce refers to any kind of business transaction using the transaction partners in the context of service initiation, service agreement, or performance mobile electronic communication (such as wireless, wireless LAN or Bluetooth), in conjunction with mobile devices.

移動商務(M-commerce，MC)是一種使用無線通信和移動設備進行電子商務的特殊形式。 移動商務是指在服務啟動，服務協議或高性能移動電子通信(例如無線，無線LAN或藍牙)結合移動設備的情況下使用交易伙伴進行的任何類型的業務交易。

In addition to technical consider also economic aspects to consider, for example, the possibilities and specific design rules in the implementation of MC applications, safety aspects, the very specific value chain in mobile commerce, business and revenue models, accounting models, and the various uses of the Mobile Commerce. In particular, based on value-added SMS mediated in recent years been repeatedly discussed in public.

除了技術方面的考慮外，還應考慮經濟方面的因素，例如，在實施MC應用程序時的可能性和特定的設計規則，安全方面，移動商務中非常特定的價值鏈，業務和收入模型，會計模型以及各種移動商務的用途。 特別是，近年來，基于增值SMS的中介已在公眾中反復討論。

MC應用程序的實施 (Implementation of MC applications)

At the beginning of the considerations for MC applications were primarily the conviction is not sufficient to make an offer to existing available on a mobile device such as an existing website accessible mobile. On the one hand would have the use of mobile communication devices and specific advantages and disadvantages would be the other, the user typically needs differ significantly from those in applications outside of the MC.

最初，對于MC應用程序的考慮主要是信念不足以在移動設備(例如現有網站可訪問的移動設備)上提供對現有產品的報價。 一方面，將使用移動通信設備，另一方面將具有特定的優點和缺點，用戶通常需要與MC之外的應用程序有顯著差異。

This realization has had a number of business implications and also drew on the technical side of the application design is an important principle: “Design to Mobile”. This meant that a mobile application should be tailored specifically to the potential and problems of mobility. Problems related primarily to the MC-related interfaces that display and the input capabilities of the then (in the mass market) available target devices and the type and bandwidth available at the time data transmission (GPRS, HSCSD).

這種實現具有許多業務含義，并且還借鑒了應用程序的技術方面的一項重要原則：“從設計到移動”。 這意味著移動應用程序應專門針對移動性的潛力和問題進行定制。 問題主要與顯示在屏幕上與MC相關的接口以及當時(在大眾市場中)可用的目標設備的輸入功能以及在數據傳輸(GPRS，HSCSD)時可用的類型和帶寬有關。

With the development of the mobile Internet, in particular the introduction of UMTS and HSDPA, and new billing models, on the one hand (country specific variable), and more powerful devices with more sophisticated, Mobile-based operating systems (e.g., Symbian OS) increased the restrictions on mobile applications as well. At the same time turned out to play much more mobile features such as location-based services in special applications (e.g., digital fleet management) than in the broad mass of a role.

隨著移動互聯網的發展，一方面(尤其是UMTS和HSDPA的引入)以及新的計費模型(特定于國家/地區的變量)，以及功能更強大，具有更復雜的基于移動操作系統的設備(例如Symbian OS) )也增加了對移動應用程序的限制。 同時，事實證明在特殊應用程序(例如數字車隊管理)中發揮的移動功能(例如基于位置的服務)比角色扮演的角色要多得多。

Not least with the Apple iPhone has been the gap between what is useful for mobile devices available, and that which can be used with stationary devices, is smaller. The usage of mobile services such as browsing the Internet or watching videos is with the iPhone, well above the average .

尤其是對于蘋果iPhone而言，可用于移動設備的功能與可用于固定設備的功能之間的差距更小。 iPhone使用移動服務(例如瀏覽Internet或觀看視頻)的數量遠遠高于平均水平。

Depending on the category and severity may interact with the user through various MC-relevant interfaces are implemented, may qualify this Interactive Voice Response, shipping / receiving SMS or MMS, Internet-easy interaction (e.g., via WAP or xHTML pages), simple applications (using simple scripting language) and complex applications (using regular higher programming languages, such as those based on J2ME, Symbian OS, Windows Mobile or BREW).

根據類別和嚴重性，可能會通過各種與MC相關的界面與用戶進行交互，可能會限定此交互式語音響應，裝運/接收SMS或MMS，易于Internet交互(例如，通過WAP或xHTML頁面)，簡單的應用程序(使用簡單的腳本語言)和復雜的應用程序(使用常規的高級編程語言，例如基于J2ME，Symbian OS，Windows Mobile或BREW的語言)。

Moreover, we distinguish pull services where the user initiates the data transfer, and push services in which the user is actively addressed. The general user preferences in MC require fast applications that require little memory and intuitive with a few keystrokes are.

此外，我們區分了用戶啟動數據傳輸的拉服務和主動尋址用戶的推服務。 MC中的一般用戶首選項要求快速的應用程序，這些應用程序需要很少的存儲空間，并且只需幾次擊鍵即可直觀顯示。

安全方面 (Security aspects)

From the perspective of the agent can affect the level of information security of the applications it uses its business primarily in two ways: It provides a third-party damage caused by attacks or fraud by the customer, or customers do not perceive due to security concerns an offer.

從代理的角度來看，代理可以主要通過兩種方式影響其使用其業務的應用程序的信息安全級別：它提供了由客戶的攻擊或欺詐引起的第三方損害，或者由于安全方面的考慮客戶無法感知一份邀請。

This was especially at the beginning are a major issue: the security objectives authorization, confidentiality, integrity, authentication and non-repudiation of the rule by technical protection measures, particularly the use of cryptography to achieve. This in turn requires a certain amount of processing power on mobile devices, making the issues of CPU power and the charge quantity in the accumulator marched into view.

尤其是剛開始時這是一個主要問題：安全目標的授權，機密性，完整性，身份驗證和通過技術保護措施對規則的不可否認性，尤其是使用加密技術來實現。 反過來，這需要在移動設備上使用一定量的處理能力，從而使CPU功率問題和累加器中的電荷量問題更加明顯。

With significant progress in both areas, it is now possible to standard techniques, to protect the specific targets set in the MC, for the protection of the mobile terminal and the air interface. For protection against the installation of potentially malicious applications on mobile devices, digital certificates are used (e.g., security, Symbian OS). Furthermore, current mobile devices support thanks to significantly increased computing power today Hypertext Transfer Protocol Secure for encryption of communications.

隨著這兩個領域的重大進步，現在有可能采用標準技術來保護MC中設置的特定目標，以保護移動終端和空中接口。 為了防止在移動設備上安裝潛在的惡意應用程序，使用了數字證書(例如，安全性，Symbian OS)。 此外，由于當今計算能力的顯著提高，當前的移動設備也得到了支持，用于通信加密的超文本傳輸??協議安全。

To consider is, as always in information security, a difference between the actual objective of the security and those who perceive the user, the subjective certainty. This is often the cause when use due to security concerns is not an offer or retail management of a company decides against the use of mobile technologies.

與信息安全性一樣，要考慮的是安全性的實際目標與感知用戶的主觀確定性之間的差異。 當出于安全考慮而不是要約使用或公司的零售管理決定不使用移動技術時，這通常是原因。

價值鏈 (Value chain)

Within and in the environment of the MC held a variety of value-added activities. It is not only a strong interdependence between the different kinds of activities but often are also involved in several different fields of work. In the simple case, this is about disintermediation, which is, extending to adjacent value chain.

MC內部和環境中舉辦了各種增值活動。 它不僅是不同類型活動之間的強烈相互依存關系，而且通常還涉及幾個不同的工作領域。 在簡單的情況下，這與脫中介有關，即延伸到相鄰的價值鏈。

This could act as a content provider that provides its own content and even processed through a portal. In other cases, technological, or historical reasons of market power have led to the diversification of companies. There are typical examples of companies that have retail on the high level of recognition as a terminal supplier, engaging in their actual core business, but as an infrastructure supplier.

這可以充當提供自己的內容甚至通過門戶進行處理的內容提供者。 在其他情況下，市場支配力的技術或歷史原因導致了公司的多元化。 有一些典型的例子，這些公司的零售業被認可為終端供應商，從事其實際的核心業務，但作為基礎設施供應商。

This web of relationships affects many processes and can only be recorded if the consideration of the value-added activities in the MC is applied much more broadly than, say, in Electronic Commerce. This is not only the primary activities – contributing directly to products or services listed in the above definition of the MC to take into account – but also secondary activities.

這種關系網絡會影響許多流程，并且只有在對MC中的增值活動的考慮比在電子商務中更為廣泛地應用時，才能記錄下來。 這不僅是主要活動(直接考慮到MC的上述定義中列出的產品或服務)，還是次要活動。

Total value added can be identified three major areas: the provision of equipment and applications, the provision of wireless communication networks and the provision of services and content for consumers.

總增值可以確定為三個主要領域：設備和應用程序的提供，無線通信網絡的提供以及消費者的服務和內容的提供。

業務，收入和計費模式 (Business, revenue and billing models)

Business models in the MC can be divided into the basic building blocks (classical) Well, (classical) service, service, placement, integration, content and context disassemble. One way of evaluating business models provides the application of the theory> Informational value and its extension through the concept of the mobile value-added. Proceeds can be of three revenue sources: achieve directly by the user of an MC-bid, based indirectly on the users of the MC-tender (i.e., Revenue by third parties) and related indirectly to the MC-range (i.e., under a non-MC-bid).

MC中的業務模型可以分為基本構建模塊(經典)，服務(服務)，服務，放置，集成，內容和上下文分解。 一種評估業務模型的方法提供了理論>信息價值及其通過移動增值概念的擴展的應用。 收益可以來自三個收入來源：由MC投標的用戶直接實現，間接基于MC投標的用戶(即第三方收入)，并且與MC范圍間接相關(即在非MC出價)。

To generate a direct transaction-income working, a mobile payment is required, in the simplest case by means of settlement on the mobile phone bill. Often, an MC-offer is purchased by the mobile operator and offered to the customer’s own account. In the age of 2.5 and 3G networks is made in the German market but also increasingly the offer directly through the service by.

為了產生直接的交易收入，在最簡單的情況下，需要通過手機賬單上的結算來進行移動支付。 通常，移動運營商會購買MC優惠并將其提供給客戶自己的帳戶。 在2.5和3G時代，德國市場已經建立了3G網絡，但越來越多的直接通過服務提供服務。

Here comes one of the providers in a direct customer and, by the content and quality of the service provides a value added by the customer pays in addition to the transport of data. Between providers and network operators is in some form of compensation and provision of value-added expense.

這是直接客戶中的提供者之一，根據服務的內容和質量，除了數據傳輸之外，還提供了由客戶支付的附加值。 提供商和網絡運營商之間以某種形式的補償和提供增值費用。

If the data volume and value of the service separately priced, this is called a settlement by Premium Rate, the customer pays for using the service, a fixed sum, which includes transportation and value added, and this is called settlement by a fixed price. The required allocation of compensation between cellular and service providers is referred to as revenue sharing.

如果服務的數據量和價值分別定價，則稱為按溢價結算，客戶使用服務付費，包括運輸和增加值的固定金額，這稱為按固定價格結算。 蜂窩和服務提供商之間所需的補償分配稱為收益共享。

移動商務應用 (Mobile Commerce Applications)

Important applications include

重要的應用包括

• MC-applications and services offered by mobile communications, portal and specialized service providers to end users or for business, especially mobile commerce, portals and search and information services and entertainment. There are, for example, mobile banking, mobile entertainment and mobile information services (also known as mobile content), mobile marketing and mobile ticketing.
  移動通信，門戶和專業服務提供商為最終用戶或企業提供的MC應用程序和服務，尤其是移動商務，門戶以及搜索和信息服務及娛樂。 例如，存在移動銀行，移動娛樂和移動信息服務(也稱為移動內容)，移動營銷和移動票務。
• The application of mobile technologies for the integration of mobile workstations in the electronic chain operational performance, particularly in connection with the improvement of business (mobile business).
  移動技術在電子鏈條運營績效中，特別是與業務(移動業務)的改進相關的移動工作站的集成中的應用。

Study: From Wikipedia, the free encyclopedia. The text is available under the Creative Commons.

研究：來自維基百科，免費的百科全書。 該文本可在“ 知識共享”下找到 。

翻譯自: https://www.eukhost.com/blog/webhosting/mobile-commerce/

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