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e -payment system

Wildan S – wildan@malang.te.net.id Narotama Surabaya Surabaya, 14 Januari 2010. e -payment system. m-Payment System. Latar Belakang m-payment. Macro / Konvensional. Micropayment. m-payment. Selular = B arang Mewah. Selular = Kebutuhan. Latar Belakang m-payment . . .

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e -payment system

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  1. WildanS – wildan@malang.te.net.id Narotama Surabaya Surabaya,14 Januari 2010 e-payment system m-Payment System

  2. LatarBelakang m-payment Macro / Konvensional Micropayment m-payment Selular = BarangMewah Selular = Kebutuhan

  3. LatarBelakangm-payment . . . • Revolusipenggunaselulardaribarangmewahmenjadibarangkebutuhan • Padaawalnya Scandinavia dengan 50% pendudukmenggunakanselular, disusulolehEropadanJepangdanAmerika • Adanyakemajuanteknologi • Realtime • Mobile • 2002 = rata-rata 1.000.000.000 penggunaseluler

  4. m-payment • Merupakansalahsatualternatifpembayaranelektronik, yang secarapelantapipastiberpindahkemetodeini, terutamadiasiadaneropa • Menggunakan mobile elektronik • Berupa cash, check dan credit card • Pembayaranmelaluli mobile phone • Music, video, ringtones, online game • Buku, majalah • Tiket, parkir

  5. Conventional e-commerce VS m-commerce • Kebutuhanberbeda • Lebihmenggunakan mobile • Menggunakan Global System for Mobiles (GSM) terisidengan Subscriber Identity Module (SIM)

  6. Model m-payment • Mobile Internet Architecture • Industry Consortia • Mobile Network Operator as Banker • Third-party Account-based Mobile Payment Systems • Paybox • Credit Card-based Systems

  7. Mobile Internet Architecture • Service Internet untukpenggunadapatmelaluiberbagai form • LAN • Bluetooth • Sejakawalmenggunakan Short Messaging Service (SMS) • Service yang disebut General Packet Radio Service (GPRS)

  8. General Packet Radio Service (GPRS) • CikalbakalMobile Internet Architecture • Dengankonsep “always on” • Mengijinkan relatively high peak data rates • Setiap slot di channel hingga 14.4 Kbps danjikajumlah yang digunakanadalahmaksimal (8), kecepatanhingga 115 Kbps • Dalamprakteknyadibatasi 1 (14.4 Kbps) slot atau 2 (28.8 Kbps) slot

  9. Wireless Application Protocol (WAP) • Eropa • 1997 – manufaktur mobile phone membangun service transfer data menggunakanteknologi wireless • Sebelumnyasemua vendor telahmembanguntetapimemilikibanyakperbedaan • Sehinggadiputuskanmembuatstandarisasi, yaitu WAP

  10. WAP • WAP tidakmendukungkonfigurasi internet menggunakan SSL • Sehinggadibangunprotokolbaruyaitu, Wireless Transport Layer Security (WTLS) • Modifikasitetapdibutuhkanpada WTLS karenatidakmendukungkoneksidenganbandwithkecil

  11. WAP Architecture

  12. Paybox

  13. Kisi UAS • e-payment, e-commerce, e-business • Konsep e-payment pada e-business • Kryptograph • Check elektronik • Credit Card • Micropayment danmacropayment • Mobile payment

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