Glossary
P
P2P payments:
P
son-to-person) in which mobile phones are the primary
form of payment between people (per-
ators based on creating rev
ay-for-what-you-use: business model used by oper- means of sending money from a mobile subscriber to
ices used by the subscribers.
enues according to the serv- another person.
pro
Pay-per-use:
viders whereb
business model used b
y revenues are gener
y content someone to credit their prepaid card. F
P2P virtual mobile transfers: transferring money to
customer uses the service.
ated each time a Caixa Móvil and MoneyText offer this t
or example,
to users living in different countries.
PDA (Personal Digital Assistant):
puter originally designed as an electronic organiz
pocket-sized com
er (cal-
-
endar
Q
ype of transaction
writing recognition. These devices now offer the func
, contact list, notepad and reminders) with a hand
-
-
Quadruple play:
tionalit
packages consisting of services and audio
term used to refer to the creation of
watching videos, creating documents, pla
y of a home computer for activities such as
including voice, wired and wireless broadband, and tele
visual content,
email, Web browsing, listening to music, etc.
ying games,
vision.
Per-message charging (SMS & MMS):
R
-
model used by oper
business
Radio spectrum:
the per
ators for creating revenues based on
“white space” spectrum. Subset of electromagnetic r
also known as the “airwaves” or
messages.
-unit price of short text messages or blocks of
ation waves whose frequency has tr
adi-
between 9 KHz and 3,000 GHz, fundamentally designed
aditionally been set
for television and r
used b
Personalized services and content:
y content providers whereby rates are set accord
revenue model
trial space, for both digital and analog broadcasting. The
adio broadcasts over the free terres-
ing to the personalization of content.
-
r
and thus has its own regulation in place.
adio spectrum is considered a scarce public resource,
Phishing:
ted through the use of social engineering. Char
IT term referring to a type of crime commit-
Rate based on connection speed:
b
acterized
used b
mation, such as a password or details about credit cards
y the fraudulent attempt to obtain confidential infor-
tion speed.
y content providers based on the user
business model
’s connec-
or other bank account information. The perpetr
known as a phisher, masquerades as a trustworthy per
ator,
Rate based on content licensing:
son or entity in a seemingly official electronic communi
-
used b
business model
cation, gener
which earn rev
y commercial companies that own databases and
saging, or even phone calls.
ally in the form of an email or instant mes
-
-
tributing their content to organizations and portals.
enues by granting limited licenses for dis-
Portability:
Revenue-sharing model:
of software on multiple platforms without requiring sig
characteristic of being able to use a piece
mobile oper
business model whereby
nificant modifications.
-
providers in ex
ators receiv
change for the pro
e part of the profits from content
mobile network.
vision of access to the
to solicit a v
Premium messages:
ariety of services or content.
SMS sent from wireless handsets RFID (Radio Frequency Identification):
storing and remotely retrieving data using devices
system for
known as RFID tags or tr
accounts held b
P2P mobile bank transfers: transfers between bank of RFID technology is to tr
ansponders. The basic purpose
son), done via wireless handset.
y two different people (person-to-per- (much lik
waves. An RFID tag is a small device, similar to a stick
e a unique serial number) through r
ansmit an object’s identit
adio
y
-
© 2008 Fundación de la Innovación Bankinter. All rights reserved.
177
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