IMS Problem Investigator Transaction Tracking - IMS UG April 2012 Victoria
E-commerce transaction validation using IMS
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Transcript of E-commerce transaction validation using IMS
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E-commerce transaction validationby service providers
Dominique Sandraz+, Paul Serra+, Antoni Drudis+,Claude Florin*
Hewlett-Packard
+ publication authors, * presenter at ICIN 07 conference
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2October 8, 2007 E-commerce transaction validation - [email protected]
Web e-commerce transactions
• Context − Credit card and web clearing-house are widely adopted by e-commerce consumers and
merchants − Mobile payment initiatives and services, using NFC, SMS, WAP, applications and IVRs
• Investigation of possible improvements for IMS subscribers :− Stronger authentication to prevent identity theft− Enhanced privacy of buyer’s identity− Support of anonymous transactions− Enhanced fraud protection
BuyersPayment
Shipment
Merchant
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3October 8, 2007 E-commerce transaction validation - [email protected]
Improving e-commerce security
− Trusted party to validate buyers and merchants transactions • Enhances validation for specific applications using speech processing• Protects from denial of service attacks, reduce order repudiation
− Protection of buyer’s privacy • ID management• Anonymous transactions
− Complement clearing house payment services• Micro-payments, pre-paid debits, mobile 2.0 group split-billing• Clearing-house, credit-card interface aggregation, reporting
BuyersPayment
Shipment
Merchant
Validation service
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4October 8, 2007 E-commerce transaction validation - [email protected]
IMS Architecture - mobile
Mw/dd
Cx/16
ISC/12SIP
Sh/11
Mr/24
Diameter
RfSIP
Mw/ddGm/hh
Visiteddomain
Homedomain
P-CSCF I-CSCF S-CSCF
Applicationserver
OSA AS
User interaction
UE /
ISIM
2G SCP
Leveraging IMS for Web transactionsPayment
Transaction validation
PLMN
HSSAuC
Buyers identity
Note : simplified view
MRF
Charging OCS
Merchant / clearing service
HTTPS
Parlay XWSDL
SfNETANNMSCML
CCXMLVXML
Web
AKA
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5October 8, 2007 E-commerce transaction validation - [email protected]
Payment validation
Buyer interaction
2-3G
Service provider
Transactionvalidation service
HSSValidation request
SMS / voiceConfirmation
SMS / DTMF
Validationrequest
WSL
Validationresponse
WSL
DTMFASRTTS
SMS
IP Merchant service
ASDB
Order XML HTTP Request
Confirmation XML HTTP Response
Merchant
Paymentservice
AS
Clearing
OK
Web browser
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6October 8, 2007 E-commerce transaction validation - [email protected]
User authentication
2-3G
IP Merchant service
ASDB
Order XML HTTP Request
Validation request
SMS / voiceConfirmation
SMS / DTMF
Confirmation XML HTTP Response
Merchant
Ordering key request - response
SMS / DTMF
Ord
erin
g ke
y
PIN
Service provider
Transactionvalidation service
HSS
Validationrequest
WSL
Validationresponse
WSL
DTMFASRTTS
SMS
Paymentservice
AS
ClearingWeb browser
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7October 8, 2007 E-commerce transaction validation - [email protected]
Transaction micro-payment
Service provider
IP Merchant service
ASDB
Order XML HTTP Request
Validation request
WSL
Validation response
WSL
Confirmation XML HTTP Response
Merchant
Clearing
Buyer interaction
2-3GTransactionvalidation service
HSSValidation request
SMS / voiceConfirmation
SMS / DTMFDTMFASRTTS
SMS
Prepaid
Debit
CD
R
Com
mun
ities
Note : many users may be sharing the order in a community using split-billing
OK
Web browser
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8October 8, 2007 E-commerce transaction validation - [email protected]
Mobile clearing house validation
Buyer interaction
2-3G
Service provider
Transactionvalidation service
HSSPayment request
SMS / voiceConfirmation
SMS / DTMF
Payment
request
WSL
Payment
response
WSL
DTMFASRTTS
SMS
IP Merchant service
ASDB
Order XML HTTP Request
Confirmation XML HTTP Response
Merchant
Paymentservice
AS
Clearing
OK
Web browser
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9October 8, 2007 E-commerce transaction validation - [email protected]
Anonymous user validationHiding billing and shipment addresses
2-3G
Service provider
IP
Transactionvalidation service
HSS
Merchant service
ASDB
Order XML HTTP Request
Validation request
SMS / voiceConfirmation
SMS / DTMF
Validation request
WSL
Validation response
WSL
Confirmation XML HTTP Response
Merchant
DTMFASRTTS
SMS
Shipmentservice
AS
Warehouse
Ordering key request - response
SMS / DTMF
Ord
erin
g ke
y
Address
WSL
Shippingnum
ber
WSL
Note : user is anonymous to the merchant
PIN
Web browser
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10October 8, 2007 E-commerce transaction validation - [email protected]
Telecom service providers added-value• Ubiquitous service access : ~2.5 *109 mobile
users−Voice interaction with low literacy consumers −SMS, WAP, …
• Micro-billing and credit : > 500 *109 € / year−Users < 18 years old, with low credit, P2P and C2B−3rd party billing for value-added services (premium SMS
and voice)−Mobile commerce revenue 2006 > 25 *109 €−Split billing to mobile 2.0 communities (games, sharing)
• Strong user authentication−SIM / USIM authentication
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11October 8, 2007 E-commerce transaction validation - [email protected]
Investigation results :• An application layer to validate e-commerce
transactions can be deployed over an IMS architecture
• Telecom service providers can add value in specific use cases to grow Web e-commerce :−Trust, authentication−Micro-payment−Mobile clearing house validation−Anonymous transactions−Ubiquitous access
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Thank youhttp://www.hp.com/go/opencall
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13October 8, 2007 E-commerce transaction validation - [email protected]
Context : mobile payment services• Discontinued initiatives −Simpay (20 countries)−Paybox (< 1M users)
• Current mobile payment players−Paypal mobile (26 B$ in 2006)−Obopay, Kushcash, Paybytext, Firethorn, Clairmail,
mFoundry, mobileLime, PHIRE, Cyphermint, C-Sam, Lending Club, Billeo, Yodlee, Firethorn, Monitise, Clairmail, mShift, mFoundry, iPay
−GSMA • MasterCard global hub for migrant workers remittances• Pay-Buy Mobile initiative