Final Test Sinarino Wicaksono (064.07.026)

Cellular & WiFi Technology for Mobile Applications Merchant

Abstract
Electronic payment is always a part of the business that is growing rapidly, using various media to facilitate the consumer in every transaction. Along with that, wireless technology is also becoming an important part in providing solutions in a more efficient consumers to make payments electronic.
Level of mobility is very high at this time, so need a solution that can provide convenience, security and speed in conducting transactions. With wireless technology now allows us to perform transactions anywhere, anytime with all the facilities that are complete enough.
Mobile is one of the merchant payment forms of media use with wireless mobile technology in particular. This has provided new solutions for customers in the transaction with the highest level of security and flexibility is high.

Configuring Network Components & Mobile Merchant
In a mobile network merchant, there are several components forming the following:
• Consumer
• Wireless Network Operator (GSM, CDMA or WiFi)
• Bank
Based on the above components, in outline, flow can be seen on a mobile network to the merchant diagram below:
Here is the processes that occur on each component based on the diagram above:

• Mobile terminal
In this section, consumers make a transaction using a variety of wireless mobile terminals that have the ability to make the mobile merchant. Between mobile devices and the device can be a merchant of the device or can be separate.

• Cellular / WiFi service
Various transactions that have been done with consumers using the applications that come from the content provider, will go through the wireless network (GSM, CDMA, WiFi), to be processed on the next component. For example for a GSM cellular operator in Indonesia is Telkomsel, Satelindo / Indosat and Excelcomindo, while for the CDMA cellular operator can be done by Flexi (TELKOM), Mobile-8 and Esia. To WiFi or wireless LAN can be made by TELKOM example Hotspot operator, Indosat, CBN, and Centrin Melsa.

• Validate transaction
Last component is the core of the mobile merchant. Where all the transactions, will be returned by the bank, to ensure that data entry is a data-valid data in accordance with these transactions. The Bank will undertake to credit or debit card is used as a means of payment. Bank here as an example of Bank BRI, BNI, BCA, Mandiri and others.
Benefits of Mobile Merchant Service.
When using the mobile application is a merchant, there are many benefits that can be obtained either from the consumer, mobile operator and WiFi & by banks.
Some of the descriptions below, figure profits earned from their respective parties:

- Benefits for consumers

• Easy
Types of mobile payment merchant, to give a lot of convenience for consumers in the transaction. We do not need to have special knowledge to conduct a transaction using the mobile merchant. This is because applications that use very simple and have a navigation that is easy to use.


• Fast
Compared with other types of payments, mobile merchants who have a high speed is very high for the consumer in the transaction. Time required per transaction is very fast because the system that is used is automated, which transactions will be processed immediately.

• Safe
High level of security in conducting transactions on the type of mobile merchant payment, because it can reduce the risk of loss (credit card, ATM) and the transaction is processed by using encryption, so that the data necessary to conduct a transaction can not be known by others.
For a dealer who apply the mobile merchant, example the garage does not need to bring money that may be enough to take to the office as a result of the service has been granted.

- Benefits for the service provider
• Increased use of bandwidth
An increase in the use of wireless bandwidth on the network, caused by the existence of the various features of mobile merchants who cause the attraction for consumers to use these features. Ultimately related to the increased bandwidth usage, or it will automatically add that revenue. In addition to the mobile operator and WiFi, mobile merchant this application can be used as a means Retention customers.

• Development of mobile applications more flexible merchant
Applications that support mobile merchant will growing very fast according to the needs of consumers. This condition will create many business opportunities for service providers in providing services. In addition, various business models can be developed further.

- Benefits for business development (example, Toyota, KFC, etc.)
• Ease in the service
In accordance with the demands of consumers to do business in the services, mobile merchant is the right choice to make it easier to do business in the service. For example Toyota Home Service (THS) which serve customers Toyota car in the location / home customers. With the application of these mobile merchants of the Toyota will easy. In addition to avoid possible loss of income due to cash payments, also can be a brand image for Toyota.
• a rapid growth of business
For business, mobile merchant is one way to provide services to consumers. With a high level of flexibility, the various business opportunities will automatically appear and business development will also increase.

- Benefits for BANK
• Additional features (traction)
Institutions for the mobile merchant banking application can be used as charms for me-maintained and attract new customers.
Easy, Fast and secure is a characteristic of a mobile merchant. Level of flexibility means that one type of payment is so high. This has a big enough role in promoting the growth of businesses that have at this time.
Many of the benefits above will give us new solutions in the transaction or provide services to consumers. Along with this, many business opportunities that can be created. Implementation of mobile merchants to become a product business.
We can see that so many services that can be done by the business and so many services that are also obtained by consumers. The types of services can be done with this system using a mobile merchant. System such as this will facilitate customers in making transactions and the business will create a new concept in getting consumers.

Example Mobile Merchant
Some examples of devices Mobile Merchant circulating in the market are as follows:

• Mobile Charge
This device is compatible with Palm OS, Pocket PC and have the applications that are complete enough to process the transaction in any location using wireless technology.
Wireless data capable cellular PDA (PalmOne Treo 600 & Samsung i700 is an example of some type of device that is capable, support by. Blackberry 7100T, 7230, 7250, 7280, 7290, 7510, 7520, 7700), IPC PP or PP-50MS-55MS is a type of printer - type of device that can be used for mobile merchants can be used as a mobile terminal in its function to send data transactions made by consumers.

• bark MPS (Mobile Payment Solution)
Solutions offered by MPS bark for the mobile merchant is combined with a level high enough flexible.
MPS bark can be combined with a variety of smart phones or PDAs that have Bluetooth features and applications can run mobile merchant.
Compatible with 60 types of smart phones platform and Symbian operating system, which provides many choices in determining the type of wireless technology that will be used for running the system mobile merchant.

Conclusion
Conclusions that can be obtained from the above description is as follows:
- Application Mobile Merchant can be missed either through mobile technology (GSM & CDMA) technology as well as Wireless LAN.
- All parties involved in the mobile business merchants, will benefit each.

References
- Http://www.ristinet.com/