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Mobile Payment

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Mobile Payment

 

Was ist Mobile Payment bzw. mobiles Bezahlen?

Mobile Payment (auch M-Payment) ist eine elektronische Zahlungsform unter Verwendung von mobilen Endgeräten. Dabei werden mobile elektronische Techniken zur Initiierung, Autorisierung oder Realisierung der Zahlung einsetzt, etwa mittels Mobiltelefonen, Tablet-Computern oder Smartwatches.

Werden Mobiltelefone (Handys) eingesetzt, wird dies speziell als Handypayment (Scheinanglizismus für mobilfunkbasierende Bezahlung) bezeichnet. Die meisten Bezahlvorgänge liegen im Bereich des Micropayments, d. h., es werden Beträge zwischen 0,01 und 5,00 Euro abgerechnet. Stark verbreitet ist die Bezahlung von mobilfunknahen Diensten wie z. B. Klingeltönen, Bildern oder Ähnlichem. Das System wird aber nicht nur für diese Zwecke eingesetzt, sondern kann als zentrale Bezahlplattform für jede Art von Dienstleistung genutzt werden, z. B. Handy-Parken oder auch die Überweisung von Geldbeträgen an andere Bankkonten (E-Geld, auch unter Privatpersonen als Person-to-Person, P2P).

 

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