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Photograph of hand holding a smart phone, with an online shopping cart application displayed on the screenmCommerce payments and transactions can be very convenient.

By turning a smartphone into a mobile payments device, consumers can keep electronic records of their transactions, save themselves carrying multiple credit and debit cards, and make payments and purchases when and where it suits them.

There are many different providers offering a wide range of mCommerce solutions or 'plug-ins' that can be integrated with your site. For example, modern high-resolution screens can be used to display event ticketing using barcodes or 'Quick Response (QR) code technology; miiyTix and iVvy use those scannable square patterns. 

Alternatively street vendors of The Big Issue can sell a digital edition accessible from any mobile or fixed digital device. The website for the magazine is embedded in the QR code, with a single-use 'scratch-to-reveal' code to be entered for access.

Mobile Money Transfer

CBA's Kaching™ and ANZ goMoney™ are two examples of proprietary apps for smart devices that allow payments and money transfers; institution-independent Bump (now owned by Google) allows transfer of data including funds, contact information and files between devices by bumping them together); and the Near Field Communications (NFC) technology used in credit cards (e.g. PayWave™, PayPass®) can now be integrated with smartphones to allow payment for goods via credit or debit account by passing them near a payment device.

Mobile Ticketing

Smartphones and tablet PCs with high resolution screens are capable of displaying bar codes and QR codes that can be read by scanners at venues e.g. outdoor events, cinemas or theatres. Your customers or members can book online, receive a ticket via email etc, and show their code on entry.

Figure 7 – QR Codes for Purchase of the Digital Version of a Magazine

A British 'Big Issue' QR code purchase card with scratch-off panel, allowing access to a digital version of the printed magazine             QR code for a story in an Australian edition of 'The Big Issue' magazine.

(source: The Big Issue, UK and Australia)

Mobile Vouchers, Coupons and Loyalty Cards

A virtual token can be sent to a recipient's mobile phone; the phone can then be presented to receive benefits. This can be extended to stores/organisations using location-based services to determine when the customer/member is nearby.

Location-based Services

A store or organisation can use GPS tracking of the location of a customer's phone or smart device to target users with local discount offers, and track their spending patterns in your store or on your products in other's stores.

Content Purchase and Delivery

Movies, music and content streaming programs (e.g. Spotify for music, or Netflix for video content) are well-established vehicles for content delivery that can be leveraged or emulated.

Information Services

Sports scores, music gig venues and session times, training courses, exam results, gallery openings and information about other one-off events can be sent out as targeted direct-marketing to your clients or customers.

The ubiquitous Facebook also supports 'f-store apps' that encourage mCommerce. As you would expect, such stores are accessible from any portable smart device, as well as PCs.

This illustration shows a smartphone figuratively enclosed by a traditional mans' leather wallet, implying the use of the phone as a digital 'wallet'.

Return to 'Part 5 - mCommerce Applications'Continue to 'Dealing with Risks of mCommerce'