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With the m-commerce system, vendors (i.e. organisations that sell products) can be registered and their collection accounts (for funds) recorded. It is also possible to populate the m-commerce system with one or more products that the vendor might sell. Populating a small number of fixed products in this way can deliver m-commerce functionality and is suitable for:
• Airtime fixed price top-up
• Fixed parking values
• Fixed meter or utility recharge
Thus the m-commerce system makes a remote request to find products for a customer. These products are then formatted and presented to the customer on their mobile handset. Furthermore, once a customer has elected to buy the product or pay a bill, then the m-commerce system connects to the Merchant and ‘initiate fulfilment’, so that the product can be delivered to the customer. Finally, should the customer wish to cancel the order or reject a bill presented to them, the mcommerce system once again connects to the Merchant and instructs fulfilment cancellation and bill rejection.
Tags: temenos, www.cynovogroup.com, a mini mobile commerce system.
Location Based Services
Both registered and unregistered users are allowed to access the following menus/tiles in the mobile.
1. Geographical location of a branch
2. ATM/branch details
3. Signing up for new accounts
4. Details of exchange rates
5. Other product details etc
Remote Data Capturing
Through Remote Data Capturing, customers are allowed to upload the images and documents according to the KYC requirement of the bank.