Have money, will travel : a brief survey of the mobile payments landscape / Carlisle Adams. : IP54-73/2013E-PDF

This report examines the mobile payments landscape from the perspective of security and privacy. The first part of the report is intended to set the stage for the two parts that follow; its purpose is to help paint the “big picture”. In particular, it looks briefly at the history of mobile payments and some of the motivations for moving to this technology. It also categorizes mobile payments into four different types: mobile commerce (mCommerce); mobile Point-of-Sale (mPOS); mobile peer-to-peer (mP2P); and mobile payment acceptance (mAccept). Ten different categories of actors in the mobile payments ecosystem are introduced: banks / financial institutions; payment brands; wallet providers; end users; mobile device manufacturers; POS terminal manufacturers; Trusted Service Managers; Mobile Network Operators; Merchants; and Payment Network Operators. Finally, in order to make some of the concepts a bit more concrete, the flow of money is traced in some specific payment models.

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