M Wallet Solution

Union Mobile Pay (UMPay) and China UnionPay are combining forces with Motorola and launching an expansive mobile payment solution, which includes an M-Wallet with back-end management. The M-Wallet solution offers an enhanced user interface, secure and reliable services and personalization for financial needs such as money transfers, utility payments, bill transfers and account inquiries, all on their mobile phones. The platform is also extremely useful for merchants who can provide business-to-consumer (B2C) solutions like electronic coupons, prepaid cards and merchant membership cards.

In addition to the end-user mobile solutions for banking and merchandising needs, Motorola’s mobile commerce offering also includes a back-end management platform. The back-end management platform, part of the Motorola’s Service Delivery Framework called GAMA (Global Application Management Architecture), is interoperable with back-office network elements for OSS/BSS for mobile network operators, financial institutions and merchants.

This is the first M-Commerce platform launched by Motorola in China. Approximately 50 million registered users took advantage of UMPay’s mobile payment technology in 2007 and the new solution is expected to reach a far greater audience. The M-Wallet solution will also allow subscribers to participate in mobile games on an interactive interface and purchase lottery tickets. Zhang Bin, managing director of UMPay says “We are the leader in offering a mobile payment platform in China, and we see tremendous value in our relationship with Motorola to further strengthen our position in the market. With Motorola’s expertise and experience in M-Commerce, we can create new solutions and services that address the needs of customers, bringing easy to use, secure and reliable services to them.”

The M-Wallet application simply needs to be dowloaded and installed on a user’s Java-supported mobile phone and then they can register their banking accounts via UMPay. The Motorola Global Services team in Beijing works hand-in-hand with UMPay to improve user interfaces and innovate features for mobile services. The team also develops and supports the back-end management platform, to be sure of dependable, effortless operation with the mobile network and banking systems.

“The M-Commerce market is rapidly evolving,” said T.K. Ng, general manager of Motorola Global Services, Home & Networks Mobility, Motorola China. “Solutions like M-Wallet provide network operators, financial institutions and merchants with distinct advantages, giving customers convenience, speed and simplicity, allowing them to shop or perform bank transactions whenever and wherever they want. The M-Wallet solution deployment for UMPay underscores our commitment to making M-Commerce a reality. Not only does our flexible end-to-end solution simplify end users’ day-to-day tasks, but it also streamlines electronic transactions and optimizes the customer management processes for service providers, financial institutions and retailers.”