Research On Risk Control Methods Of Mobile Commerce

The mobile-commerce in China is at its initial stage, facing kinds of risk problems, which are very urgent for its large-scale industrialization. The existing researches are mainly focus on the security risk but ignoring other sources of risk for the m-commerce. Furthermore, because of the unique features of the m-commerce, methods of risks control in traditional e-commerce cannot be applied completely. For the faster and healthy development of the m-commerce, rational and effective method of m-commerce risk control must be found, which has great theoretical, practicing and economic significance for the risk control theory and promotion of mobile commerce.The author stood on the view of m-commerce service provider, make researches on the following four respects for the risk problems in m-commerce:(1) Researches on the methods of m-commerce risk assessing. As a form of e-commerce, the m-commerce is facing the problem of lack of effective assessing. Once the risks well assessed, the problems of risk control can be solved targeted. This paper designed the mobile commerce risk-assessing model, which combines probability of risk and the influence of different kinds of risks (power), and breaks though the limitations that CIM model only considers the risk probability. Based on the model, this paper designed improved risk control model. Compared with the traditional risk control model which control target is performance, the improved risk control model could reflect the effect of risk control directly(2) Researches on methods of m-commerce information security risk control. The information security risk makes negative effect on the expanding of m-commerce market. The users who worried about security problems would refuse the m-commerce services. Concerning the differences on technology between m-commerce and e-commerce, security risk control methods of e-commerce cannot be used on m-commerce completely. This paper designed SAydos protocol for user authentication and secure data transmission in m-commerce. This protocol can prevent man in the middle attack and correct the vulnerabilities of Aydos protocol with little computing cost. Based on the RBAC model, this paper designed improved access control model for m-commerce. Compared with the traditional RBAC model, improved access control model can solve some issues such as data size, economic data transmission, and user collaboration.(3) Researches on methods of cooperation risk control of m-commerce. M-commerce service providers cooperate with several other departments including CP, AP, equipment suppliers and mobile network operators and so on. Whether the m-commerce could get a success is depend on the quality of the goods or services provided by these departments decently. How to reduce cooperation risk by promoting the cooperation between these departments and service providers is the problem that would be focused on through the mobile commerce operation. Furthermore, common cooperation risk control methods can hardly work on the mobile operators who were at the stage of monopoly. Control form the policy method would be much better. This paper designed reward-urging model of cooperation risk control for m-commerce. This model uses reward as the incentive tool and urges the cooperators to a certain level of effort through the payment in order to alleviate cooperation risk. This paper reconstructed the regulation policy of m-commerce, which provides a fair competition environment for m-commerce. At the same time, cooperation risk from mobile operators would be ease to some extent consequently.(4) Researches on methods of customer loss risk control at last. The customer loss is very harmful to the m-commerce with network cost-effectiveness. Especially the customer loss has the nature of broken window effect; one customer loss may leads to tens of customer loss, and means financial loss potentially. The issue of how to control these losses means great to the m-commerce operators. With the existing theoretical results, a set of trigger model, which has considerable ability on control customer loss risk, was designed in this paper. This model can automatically carry out customer retention. Based on the mathematical logic theory, this paper designed priority calculation method which used for complex trigger conditions in trigger model. In accordance with the priority order to carry out customer retention, service providers can effedtively restore high-value customers and minimize loss of customer loss risk. The trigger model and the priority calculation have the considerable risk control ability.