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Mobile gift cards are being offered by retailers in cooperation with credit card companies and financial services firms, who offer points for purchases that can be used toward future physical store or online purchases. HP is partnering with companies like Aspiro, Brience and others, to provide a centralized point of contact to companies needing mobile e-commerce services, Chapman said. The insurance industry is a good example where HP’s mobile e-services package can be effectively implemented, according to Chapman. One mobile application that’s been having difficulties catching on is contactless payments, where a cell phone with an RFID chip can be swiped across a point of scale terminal in a retail store and money will automatically be deducted from the phone owner’s account. One of the fast growing mobile applications is peer-to-peer, or P2P, payments, which allows consumers to pay for goods over the Web using their phone. RDC allows corporate financial services customers and consumers to take a photo of or scan a check and transmit the image over a secure network to a bank for posting and clearing. You should check this page from time to time to ensure that you are happy with any changes. Real-world applications of HP’s mobile enterprise e-services could be as simple as notifying a customer of changes in their flight schedules or giving them access to relevant information when in a new town, Chapman said

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