Resumen
The wide penetration and personal nature of mobile phones, the overall stability of mobile communication technologies, and the positive experiences with m-commerce payments have made mobile solutions applicable for a variety of financial services. Mobile payments are expected to become one of the most important applications in m-commerce. They are commonly categorized into micro- and macropayments with the distinction between the two occurring at approximately 10 euros or US dollars, and are further subdivided into remote and proximity payments, depending on whether the purchase takes place at the point of sale or remotely via an electronic network. The new WAP- and Java-enabled mobile phones using GPRS support a wider variety of banking services such as fund transfers between accounts, stock trading, and confirmation of direct payments via the phone's microbrowser.