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International Congress on Multidisciplinary Studies in Education and Applied SciencesBog'liq Макола 3 Ichki kanalizatsiyani qurishni o`ziga xosligi, maqola2, 7-ma\'ruza.Internet texnologiyalari. — копия, Кафедра баённомаси, 1 maruzaInternational Congress on Multidisciplinary Studies in Education and Applied Sciences
Berlin, Germany
June 3
rd
2022 conferencezone.org
248
Kindle), netbooks and laptops. M- expands the opportunities for online sales of commercial
goods and services. In other words, mobile commerce is a generic name for the various
commercial services (other than communication services) that support the mobile phone as a
user interface. The process is carried out remotely using mobile computers or smartphones
(internet, gprs, etc.). Mobile commerce is a software and hardware solution to automate the
process of interacting with remote users. The term mobile commerce is also common. It is a
business solution that is inextricably linked to sales automation systems and is primarily
aimed at automating order collection. In some cases, the concept of mobile commerce
(mobile sales) is more widely used than the concept of mobile commerce. Historically, the
first mobile commerce was launched in 1997 in Helsinki, Finland. Two Coca-Cola vending
machines have been set up on the city streets to sell drinks via SMS. At the same time, Merita
Bank of Finland started offering mobile banking services to its customers.
Mobile commerce is used in the following areas:
Internet
Telephony
Utility bills
Air and rail tickets
Travel
Insurance
One of the advantages of mobile commerce today is its ability to reduce the risk of fraud.
Fraud with plastic cards is one of the reasons for the high efficiency of transactions on them.
With mobile commerce, these risks are significantly reduced because mobile commerce
involves synonymous identification of the customer with the mobile operator. Thus, the
transaction fee is reduced from 2% to 0.5% and less. In addition, the mobile payment system
does not require expensive reading equipment and can therefore be used in taxis, small shops
and restaurants that have not yet received payment from plastic cards. There are several ways
to make a payment using a mobile phone: The simplest way to make a mobile payment is
through the operator's center. In this case, the mobile phone is used just like a landline phone.
From it, a call is made to the automated call center, where the identification is made, the
recipient and the amount of payment are indicated (using the numeric keypad in tonal mode).
Another way to send this information to the processing center is via SMS (Short Message
Service). As a rule, in order to use this service, you must first establish a relationship with the
operator's center or processing company, as well as with payers and recipients (open an
account, get a password for identification, provide bank details of the payee, etc.). Some also
call this service telephone banking. Make payments using WAP. WAP provides access to
Internet-based payment instruments. Other types of mobile interactions require special
microprocessor equipment for authentication, storage, processing, and data transmission.
Typically, a mobile phone handle has two chips, each with a memory and a microprocessor:
the first is located on a standard, mobile operator's SIM card; the other stores all of the user’s
banking information. This second chip is activated only by a special PIN code, which
combines both the plastic card and the POS terminal analogue of the phone. Thus, mobile
transactions are different from internet transactions. Financial information is transmitted in
the form of SMS messages. This method of information transmission is more convenient,
simpler and less expensive for the user than others, because it has a low cost, has the function
of notifying the delivery of the message, does not require expensive communication channels,
even if the talk channel is busy falls. Mobile commerce has great potential and a number of
additional business opportunities:
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