Mobile payment
 
 
Mobile bill
- Mini and micro payment
 - Infrastructure and bank => one company
 
Charge SIM-card with money
Dual smartcard on GSM - Pilot by Nokia and Visa  
- Two plug-in cards for GSM
 - SIM card and a card for authenticating Visa debit or credit payments 
 - VISA smart card issued by mobile user’s bank, i.e the bank manages risk and security
 - Testing: MeritaNordbanken and Visa