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E-Wallet
or

How I learned to stop worrying and love E-Commerce
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Internet Commerce Today
Online shopping sites are proliferating
Each has a proprietary method for selection, ordering,
and payment
27% of online buyers abandon orders before
check-out due to the hassle of filling out forms
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What is needed:
A standard set of attributes for ordering and payment
An electronic wallet (E-Wallet) to store values for those
attributes

1 Jupiter Communications
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What is an E-Wallet?
Software used to automatically supply ordering and
payment information during an online transaction
Owner enters information into e-wallet once
Benefit to merchants:
Reduces abandoned shopping carts
Benefit to consumer:
Single source of ordering/payment information - no need to have
information registered at every merchants website
Eliminates the hassle of filling out order forms
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How Does An E-Wallet Work?
User
Select Purchase URL
Return Billing Form
Retrieve and fill in
E-Wallet Information
Submit billing form and confirmation
Confirmation
E-Wallet
Online
Merchant
Website
Pass Along Filled-in Form
User reviews form and
submits
First Scenario: J ust fills in forms prior to delivery to user
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Introduction
MoreCommerce: E-Commerce Software and Service for
Broadband Internet TV through digital TV platform
Electronic Wallet (E-Wallet) Management System
Subscriber management and authentication software
Integrated with conditional access and smart card
MoreCommerce Enabled Online Shopping Services
Support online shopping via any Web sites
Support integrated usage tracking, subscriber management, and billing
V-Commerce: one-button shopping from Enhanced TV or video clip on
demand

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E-Commerce Challenges
Large on-line shopping sites dominate the market with proprietary
interface for selection, order, payment, and completion
No Ease of Use: 66% of on-line shopping carts are abandoned
prior to the check-out due to the complexity
Challenge for the digital TV commerce:
Universal shopping: can easily go and shop from any site
Ease of use: one button selection, user profile, payment etc.
Security and subscriber management in the cable media
Leverage the TV assets: shopping via Enhanced TV or VOD
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E-Wallet
A E-wallet is a software application for user to store, manipulate,
and pay for Internet purchase with various types of payment
instruments (credit card, Smart card)
The information in the E-wallet is stored in either client side or
server side
The benefit that E-wallet can provide:
One-button shopping: 66% of on-line shopping carts are abandoned prior
to the check-out
Ease of account management instead of submitting to multiple sites
Allow universal interface with multiple E-Commerce sites
Add value to service provider or portal such as cable operators and
possibly tied with conditional access and smart card
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ECML (Electronic Commerce
Modeling Language)
A standard to define the data attributes for E-Wallet that allows
the E-Wallet to automatically exchange information with the
merchant sites
ECML (Electronic Commerce Modeling Language) is created as
an universal language for the (similar to the role of HTML to
Internet)
Define data attributes for E-Wallet and online merchant
Seamless exchange of order and payment information
Supporters:
Credit Card Companies: American Express, MasterCard, Visa
Infrastructure Companies: Microsoft, Sun Microsystem, IBM, Compaq
ISP and Portals: AOL, SETCo, Brodia, TrinTech
Online Sites: Dell, fashionmall.com, healthshop.com, Nordstrom.com

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Implementation
ECML is security protocol independent (such as SSL, SET)
Merchant:
One time change of the check out page to incorporate uniform fields
Implementation of ECML does not change the look and feel of the
merchants Web site
Data fields: payment, shipping, and billing (example of payment)
Ecom_Payment_Card_Name
Ecom_Payment_Card_Type
Ecom_Payment_Card_Number
Ecom_Payment_Card_Verification
Ecom_Payment_Card_ExpDate_Day
Ecom_Payment_Card_ExpDate_Month
Ecom_Payment_Card_ExpDate_Year
Ecom_Payment_Card_Protocol





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Implementation
Modification of Form from E-Commerce Sites

Example:

<FORM action="http://www.morecommerce.com" method="POST">
Please enter card information:
<p>Your name on the card
<INPUT type="text" name="Ecom_Payment_Card_Name" SIZE=40>
<br>The card number
<INPUT type="text" name="Ecom_Payment_Card_Number" SIZE=19>



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MoreCom Architecture for Electronic Commerce
HFC
Network
Database
Proxy
Server
E-Wallet

Authentication
Manager
E-Commerce Manager
Digital
Headend
and
MoreCom
Servers
MoreCom
Client
Digital Set-Top
Internet
Online
Shopping
Site
Conditional
Access
System
CA
Interface
(Optional)
Filter/
Conversion
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MoreCommerce Issues
E-Wallet Management
Server based: E-Wallet can be located at the headend server. The
advantage is that it is more secure and the user authentication is
independent of the STB used
Client based: E-Wallet can be located at the STB in NVRAM or
SmartCard
Subscriber Purchase
CA System Integration

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User
Select Purchase URL
Load the URL (Billing Form)
Retrieve and fill in
E-Wallet Information
Submit billing form and confirmation
Confirmation
Send Done URL
Request the URL (Billing Form)
URL remapping
(Optional)
E-Commerce
Manager
&
Proxy Server
Online
Shopping
Website
MoreCommerce End to End Message Flow