SBIR Phase II: Secure SMS and Web Service Transactions for Mobile Commerce

这个小企业创新研究（SBIR）第一阶段项目将提供一个移动支付通信基础设施，用于使用该支付基础设施的移动设备应用程序，为使用该支付基础设施的商家提供销售点解决方案，并将建立一个本地广告网络框架。移动支付系统利用现代移动设备的速度，使基于网络的安全交易成为可能。这种支付系统通过绕过现有的传统信用卡和借记卡基数基础设施，彻底改变了支付方式。将开发新的安全算法和模型，以实现银行信息的安全传输。拟议中的支付系统使消费者能够在他们的移动支付应用程序中控制隐私、安全和本地化设置。本地广告网络改变了商家和消费者在广告和优惠券方面的价值主张，创造了一个商家“推”的环境。广告拉？客户。本地广告网络将从根本上改变用户对本地化、隐私和数据匿名的看法。这个项目更广泛的影响/商业潜力包括创建一个彻底改变商业的支付系统。该系统将大大降低或消除商家的支付交换费，将使消费者更接近全数字钱包的概念，并将在商家和消费者之间创造一个互利共赢的新水平。小型、独立的商家将立即意识到支付网络的许多好处。这些商家通常每年支付1.5万至20万美元的信用卡和借记卡交换费。拟议的支付系统将减少或消除这些费用，从而促进业务扩张和创造就业机会。支付系统在哪里有效地创造了地方商业区？购买本地?通过网络内、应用内的本地广告、优惠券和忠诚度计划，隐性地强烈鼓励。该支付系统包括无缝的点对点数字资金转账。最终目标是建立一个支付系统，使所有的交易——所有的资金转移——无摩擦、快速、简单和容易。移动商务市场预计将从今年的2000多亿美元增长到2015年的6000多亿美元。这里开发的技术将是这种增长的重要推动力。

This Small Business Innovation Research (SBIR) Phase I project will deliver a mobile paymentcommunications infrastructure, mobile device apps for utilizing that payment infrastructure,point-of-sale solutions for merchants that utilize the payment infrastructure, and will establishthe framework for a local advertising network. The mobile payment system takes advantage ofthe speed of contemporary mobile devices to enable secure web-based transactions. Thispayment system revolutionizes payment by bypassing existing legacy credit and debit cardinfrastructure. New security algorithms and models will be developed to enable the securetransfer of banking information. The proposed payment system empowers consumers to controlprivacy, security, and localization settings in their mobile payment apps. The local advertisingnetwork changes the value proposition for both merchants and consumers with respect to ads andcoupons, creating an environment in which merchants ?push? ads to ?pulling? customers. Thelocal advertisement network will fundamentally alter the way users think about localization,privacy, and data anonymity.The broader impact/commercial potential of this project includes the creation of a paymentsystem that revolutionizes commerce. The system will dramatically reduce or eliminate paymentinterchange fees for merchants, will move consumers much closer to the concept of a fullydigital wallet, and will create a new level of engagement between merchants and consumers thatis mutually beneficial. Small, independent merchants will immediately realize many of thebenefits of the payment network. These merchants typically pay between $15,000 and $200,000annually in credit and debit card interchange fees. The proposed payment system will reduce oreliminate these fees enabling business expansion and job creation. The payment systemeffectively creates local commerce zones where ?buying local? is implicitly strongly encouragedthrough in-network, in-app local advertising, coupons, and loyalty programs. The paymentsystem includes seamless peer-to-peer digital funds transfers. The ultimate goal is a paymentsystem to make all commerce - all transfers of funds - frictionless, fast, simple, and easy. Themobile commerce market is expected to grow from over $200B this year to over $600B by 2015.The technology developed herein will be a vital driver of that growth.