Comments on: How not to do pay-by-mobile: a rant http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html Daily news and opinion for 250,000 industry executives and mobile fanatics Wed, 15 Feb 2012 10:31:00 +0100 hourly 1 http://wordpress.org/?v=3.3.1 By: Stuart Ashmore http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-219570 Stuart Ashmore Wed, 12 Mar 2008 15:57:29 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-219570 Thanks Ben, I've enjoyed the exchange of views and feedback is very valuable. Any further comments or questions would be most welcome. Thanks Ben, I’ve enjoyed the exchange of views and feedback is very valuable. Any further comments or questions would be most welcome.

]]> By: Ben Smith http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-219564 Ben Smith Wed, 12 Mar 2008 15:37:28 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-219564 @Stuart: Ahh... I see. I assumed the text payment would be a one-off settling of the bill, not a regular payment! @Stuart: Ahh… I see. I assumed the text payment would be a one-off settling of the bill, not a regular payment!

]]> By: Stuart Ashmore http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-219555 Stuart Ashmore Wed, 12 Mar 2008 13:41:27 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-219555 Mobile Network Operators are very happy with the service. We tested and trialled the service for 3 years before we went live. Because every transaction is confirmed by the purchaser, in over 1 million transactions we've only had 3 "charge backs". These were in the trial phase and were due to a technical screw up. We now bill Millions and total screwed payments came to £30. In terms of debt collection, if someone makes an offer to pay, say £1 per week to pay off a fine, a debt collector is obliged to accept the arrangement. The problem is that using established methods, it costs about £1.70 to collect £1. One of the beatuties of Mobillcash is that it is an easy job to set up repeat billing on a weekly basis for example. OK - the debt collector doesn't get a full £1 because of network charges, but he doesn't lose 70p on each payment. Mobile Network Operators are very happy with the service. We tested and trialled the service for 3 years before we went live. Because every transaction is confirmed by the purchaser, in over 1 million transactions we’ve only had 3 “charge backs”. These were in the trial phase and were due to a technical screw up. We now bill Millions and total screwed payments came to £30. In terms of debt collection, if someone makes an offer to pay, say £1 per week to pay off a fine, a debt collector is obliged to accept the arrangement. The problem is that using established methods, it costs about £1.70 to collect £1. One of the beatuties of Mobillcash is that it is an easy job to set up repeat billing on a weekly basis for example. OK – the debt collector doesn’t get a full £1 because of network charges, but he doesn’t lose 70p on each payment.

]]> By: Ben Smith http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-219553 Ben Smith Wed, 12 Mar 2008 13:27:50 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-219553 @Stuart: WRT your last point - how do the MNOs feel about this? If the person is on contract doesn't that simply shift the debt they can't pay to the network operator? @Stuart: WRT your last point – how do the MNOs feel about this? If the person is on contract doesn’t that simply shift the debt they can’t pay to the network operator?

]]> By: Stuart Ashmore http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-219525 Stuart Ashmore Wed, 12 Mar 2008 08:55:42 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-219525 It looks as though the first local authority to take it up will be The Hague in the Netherlands. We've only just appointed our Dutch Agents. In the UK & USA Mobillcash is mainly used for on line purchases, particularly dating, online game playing, membership subscritions and adult content. It is a bit like Premium Rate SMS on steroids, the range of stuff being done with Mobillcash is amazing. In the UK, Britain's biggest debt collection agency is using it to collect debts from people who don't have a bank account, credit card or debit card. It looks as though the first local authority to take it up will be The Hague in the Netherlands. We’ve only just appointed our Dutch Agents. In the UK & USA Mobillcash is mainly used for on line purchases, particularly dating, online game playing, membership subscritions and adult content. It is a bit like Premium Rate SMS on steroids, the range of stuff being done with Mobillcash is amazing. In the UK, Britain’s biggest debt collection agency is using it to collect debts from people who don’t have a bank account, credit card or debit card.

]]> By: Ben Smith http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-219463 Ben Smith Tue, 11 Mar 2008 17:35:52 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-219463 @Stuart: That sounds like the ticket! (excuse the pun) Where does Mobillcash operate this service? @Stuart: That sounds like the ticket! (excuse the pun) Where does Mobillcash operate this service?

]]> By: Stuart Ashmore http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-219460 Stuart Ashmore Tue, 11 Mar 2008 16:01:14 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-219460 Parking is easy with Mobillcash. No up-front registration. No account to set up, simply pay direct from your mobile phone. The money is deducted from your pre-paid credit or added to your monthly bill. It operates like this… A. Arrive at parking meter. B. Send Text to (for example) 883344 with parking meter or bay number and vehicle registration number. C. Example 883344 A7721 GY51YWM D. Receive text “Do you wish to pay €5 to park in bay A7721 for 1 hour? Reply “Y” to accept” E. Parking Warden receives notification to hand held terminal that vehicle registration GY51YWM has paid to park in bay number A7721 for one hour from 13:25 to 14:25. Parking is easy with Mobillcash. No up-front registration. No account to set up, simply pay direct from your mobile phone. The money is deducted from your pre-paid credit or added to your monthly bill.
It operates like this…
A. Arrive at parking meter.
B. Send Text to (for example) 883344 with parking meter or bay number and vehicle registration number.
C. Example 883344 A7721 GY51YWM
D. Receive text “Do you wish to pay €5 to park in bay A7721 for 1 hour? Reply “Y” to accept”
E. Parking Warden receives notification to hand held terminal that vehicle registration GY51YWM has paid to park in bay number A7721 for one hour from 13:25 to 14:25.

]]> By: Ben Smith http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-219082 Ben Smith Fri, 07 Mar 2008 08:36:39 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-219082 @Eric: Watch this space - someone has been in contact and I'm hoping to publish a follow-up story. <em>Ben Smith's last blog post..<a href='http://www.smstextnews.com/2008/03/iphone_sdk_and_enterprise_features_announced.html' rel="nofollow">iPhone SDK and Enterprise features announced</a></em> @Eric: Watch this space – someone has been in contact and I’m hoping to publish a follow-up story.

Ben Smith’s last blog post..iPhone SDK and Enterprise features announced

]]> By: Eric Donovan http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-219014 Eric Donovan Thu, 06 Mar 2008 19:16:44 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-219014 Shame I didn't read this when it was posted, I had a half hour meeting with the guy who set the system up the other week :( I can see why they don't use premium SMS though, you have to blame the networks and their greedy rev share for that one. Shame I didn’t read this when it was posted, I had a half hour meeting with the guy who set the system up the other week :(

I can see why they don’t use premium SMS though, you have to blame the networks and their greedy rev share for that one.

]]> By: arnie http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-218551 arnie Thu, 28 Feb 2008 18:41:19 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-218551 there is a simple way to pay by phone we have been trying for mearly a year to get support for that no one will support. Why? because it IS simple and invalidates the presetn insane paymnet mechanism . YOU are not being validated when u pay by credit card: the CARD is. We have a technology that enables your phone to be a person PIN entry device. Consequently, your card account number is no longerof any intrinsic value since you can now personally authorise all payment by PIN - on your phone: the BANK does not authorise it - you do. The FACT is credit card companies NEED there to be fraud otherwise their existance is invalidated. Mastercard, Vias and Amex all refuse to deploy this technology because it ends fraud and they can no longer charge 1% to 2.5% on every transaction for "securing" payment. Now you know. The insanity continues because a secure e-world is of no value to insurance companies, which is really what visa etc are. there is a simple way to pay by phone we have been trying for mearly a year to get support for that no one will support. Why? because it IS simple and invalidates the presetn insane paymnet mechanism . YOU are not being validated when u pay by credit card: the CARD is. We have a technology that enables your phone to be a person PIN entry device. Consequently, your card account number is no longerof any intrinsic value since you can now personally authorise all payment by PIN – on your phone: the BANK does not authorise it – you do. The FACT is credit card companies NEED there to be fraud otherwise their existance is invalidated. Mastercard, Vias and Amex all refuse to deploy this technology because it ends fraud and they can no longer charge 1% to 2.5% on every transaction for “securing” payment. Now you know. The insanity continues because a secure e-world is of no value to insurance companies, which is really what visa etc are.

]]> By: SMS Text News » Archives » Excellent delivery notification / re-scheduling by SMS http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-218470 SMS Text News » Archives » Excellent delivery notification / re-scheduling by SMS Wed, 27 Feb 2008 12:00:14 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-218470 [...] a postscript to yesterday’s post bemoaning the state of Westminster Council’s ‘pay by mobile’ parking system, I [...] [...] a postscript to yesterday’s post bemoaning the state of Westminster Council’s ‘pay by mobile’ parking system, I [...]

]]> By: Ben Smith http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-218467 Ben Smith Wed, 27 Feb 2008 10:39:05 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-218467 Feel my pain :-) Seriously though... at >200,000 registered users. What other m-commerce systems have that userbase? Feel my pain :-)

Seriously though… at >200,000 registered users. What other m-commerce systems have that userbase?

]]> By: Ewan http://www.mobileindustryreview.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html/comment-page-1#comment-218453 Ewan Wed, 27 Feb 2008 06:34:53 +0000 http://www.smstextnews.com/2008/02/how_not_to_do_pay-by-mobile_a_rant.html#comment-218453 Absolutely ridiculous! Absolutely ridiculous!

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