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M-POS: Expanding the Payments Value Chain into New Territories

出版商 Mercator Advisory Group, Inc. 商品編碼 322454
出版日期 內容資訊 英文 30 pages long
商品交期: 最快1-2個工作天內
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M-POS:擴展到付款價值鏈的新領域 M-POS: Expanding the Payments Value Chain into New Territories
出版日期: 2015年01月08日 內容資訊: 英文 30 pages long



  • 帶給消費者、商人,及相關付款處理業者利益的行動型架構的原設計詳細分析
  • 限制經營模式的彈性,限制應用服務選擇,還有因此造成平均使用年限成本增加的實行認識與迴避相關的建議
  • 活用目前m-POS架構的領域的,傳統實行的檢討
  • 在目前付款中ID怎麼管理,還有在這個新的架構中ID認證資訊如何成為未來的戰場等相關的檢討
  • 包含技術及以下的M-POS相關概念的討論:Apple iBeacon、Apple iOS、Apple iPad、Apple iPhone、條碼、Bitcoin(比特幣)、Bluetooth low energy (省電力藍芽)、晶片及PIN、雲端運算、支票承保業務、數位貨幣、EBT卡、EMV、指紋認證、地理圍欄、點數儲值卡、Google Android Open Source Platform (AOSP)、獨立軟體供應商、存貨管理、忠誠度計畫、MCX CurrentC、Microsoft Phone、工資、PCI遵守、QR編碼、定期付款、Samsung Knox、語音搜尋、複合交易登記、tokens(權標)、Touch ID、虛擬卡、語音辨識。

A new research report from Mercator Advisory Group, ‘M-POS: Expanding the Payments Value Chain into New Territories’, identifies the new hardware, software architecture that will drive development of the point of sale (POS) over the next decade. The range of factors driving this change includes network regulations demanding new last-inch acceptance devices that will ultimately mitigate security concerns, new technologies in consumer devices that enable new merchandising methods, and new mobile devices that have not just pushed the envelope in lowering device costs but also introduced groundbreaking new features that enable a more productive POS device that operates in a cloud-based architecture.

“The benefits of this new hardware and software paradigm will prove as important as the introduction of the computer chip,” said Tim Sloane, VP, Payments Innovation, and author of report. “While adoption in larger merchants may take decades due to the complexity of the payments infrastructure, the path to adoption will clarify as network implementations further mitigate security risks. As security risks are addressed merchants, acquirers, and banks will focus their energies on delivering greater value to consumers through the smartphone.”

Highlights of the report include:

  • An in-depth analysis of mobile-based architecture's primary design benefits to the consumer, the merchant, and the associated payment processor
  • Recommendations for recognizing and avoiding implementations that may limit business model flexibility, restrict application and service options, and thus increase average lifetime cost
  • A review of existing implementations in the field that leverage m-POS architecture today
  • A review of how identity is managed in payments today and how control over identity credentials has become the future battleground within this new architecture and identity management will ultimately replace enrollment as the primary point of consumer control
  • Discussion of technologies and concepts related to M-POS, including Apple iBeacon, Apple iOS, Apple iPad, Apple iPhone, bar codes, Bitcoin, Bluetooth low energy, chip and PIN, cloud computing, check underwriting, digital currencies, EBT cards, EMV, fingerprint recognition, geofencing, gift cards, Google Android Open Source Platform (AOSP), independent software vendors, inventory management, loyalty programs, MCX CurrentC, Microsoft Phone, payroll, PCI compliance, QR codes, recurring payment, Samsung Knox, search by voice, split tender, tokens, Touch ID, virtual cards, voice recognition

One of the exhibits included in this report:

                        Source: Mercator Advisory Group

This report is 30 pages long and contains 8 exhibits.

Companies mentioned in this report include: Amazon, American Express, Apple, Apriva, Bank of America, Clover, Discover, Estimote, First Data, Google, MasterCard, Microsoft, NCR, PayPal, Samsung, ShopKeep, Softcard, Square, Starbucks, TSYS, Vantiv, Visa, and World Pay.

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