From H. Paul Leyva, JD, the International Strategy for Control of Narcotics C.AM.C. 1? October 2008 (INCSR), March 2008: "to?;? of? ? we are already? indications that the launderers and those of money that finance terrorism will again? NEW YORK of? m. of-payment systems.?, the? Of Brittany? NY? have never filed a tax return to alert + $ 200.000.00 income as a call girl in high class. To continue to hide its illegal profits from the application of law and IRS, Brittany has added a feature m-payment to its mobile phones and PDAs. With the characteristic of m-payment on the spot, now lives virtually cash-free. For example, Brittany asks the customers? e,? of? of? of? of? (the street jargon for mobile electronic payment, or e-pay). il? of? E? of? of? of? ? a text-message as the transfer of funds from a mobile phone? s? client? m. m.-to-explain explained in the phone? s? Brittany?. After hours,? s of the Blackberry? Brittany? now works as a debit card for all its expenditure needs: to buy? s? of Nordstrom? to buy one bag of the designer, sending a payment of car for its new Mercedes-Benz via text message and bastonante all night with his friends. Today, Brittany has earned $ 800 for its services. Before the technology-payment meters, had no other choice but to turn the daily cash deposits to his suspicious bank accounts. With the advent of m-payment, pi? not worried about anyone who follows his activities? the bank. As a security measure, Brittany destroys memory cards for its mobile SIM and PDA devices for the conclusion of each week and replaces them with new ones. Therefore, if ever gets arrested for his activities?, No digital evidence of his employment, income, or SQUARE lifestyle remains.LOGAN, CHICAGO,? Of Alex? IL?, an accountant by day and by night addict, uses his PC to transfer $ 400 from his personal bank account to his client's mobile m-payment? s? the phone?. Alex? in need ecstasy from his merchant. For them straight, buyer and supplier to meet local café in the corner of California Avenue and Boulevard of Logan Square. As usual, the trader had hidden intelligent ecstasy in a cup of coffee? Alex empty and transfers? of? and the? of? of? of? via text message to mobile phone? s? the supplier?. When the transaction? Complete, Alex sleigh way to plan your evening. As they? the merchant has his milk, uses his mobile phone to text the funds to a bank in the Cayman Islands, in which the deposit will I get? easily lost in many other small transfers of value. Once the transaction? complete, the supplier Boccheggiano a sigh of relief perch? who knows? sure. If a member of the rival gang tries to steal cash, will not find? track of money. , If the police try to understand it, pressing the function of? of? History? Transaction cancellation? of? of? on its dicancellazione of software? of? the phone? cells that have programs being loaded from? of? the net? the trial of criminality? similarly gone. Without proof of his crime, the authorities? would be forced to leave the merchant go.NAIROBI, the international press? of? KENYA of?: Aug. 7. Sull'anniversario the suicide bomb that killed pi? two hundred nations the U.S. embassy in Nairobi, yet another suicide bomber kills fifty-eight people close to the embassy of the United States rebuilt in Kenya. At this point, the authorities? can not determine the identity? or the terrorist group responsible for this attack, but many believe to be the work of Al – Qaeda. Officials Kenyan security officer-in-charge and the top FBI to admit that they found the remains of a mobile phone m-payment of pre-paid inside the wreck, but because? These devices are not registered, the phone could be bought by anyone and anywhere. In Kenya cos? as in many other parts of Africa, the use of mobile phones and technology m.-payment devices such as miniature activity? bank? ordinary. Critics have said that the technology-payment meters makes it more? so that easy? terrorists to pass and receive transfers of funds via the transmission of the message text. These action plans exemplify the warnings published in? authorized international? of? strategy report of narcotics control in March 2008 (INCSR) mobile payments: A growing threat,? of? of? that describes the potential exploitation of technology m-payment by launderers, criminals and terrorists of money. What? m-payment? How does it work? Gi? exists in other countries? How can launderers, criminals and terrorists exploit the money this technology to hide their activities? illegal? In most, that measures can the United States and other countries take to shorten the abuse potential of m-payment? il? of? of? dell'pi anyone? innovator? electronic payment products that include payment or? mobile? m. of-payments? determined by a remarkable convergence of the fields of telecommunications and financial development of global fast-payments m. requires special attention. the M-payments can take many forms but are commonly payments from the point of sale made through a mobile device like a mobile phone, a smart phone, or? staff? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? of? digital assistant (PDA).? – INCSR, in March 2008 the WalletM virtual-payment (mobile payment)? synonymous with the m-commerce deadlines, m-explains, m.-collector, m-business? banking, electronic money, or digital cash. For this article,? pi? the widely accepted? the m-payment? of? of? of? End sar? used. The best way to provide this technology relatively exciting? to imagine a time or? your mobile phone or PDA will behave? as a collector. Still, sar? a collector that not only allows you to set aside money to pay for goods and services but also allowing him to deposit the money in? of? of it? cos? which makes this device even more money? flexible and useful that a credit card. The widespread adoption of m-payment could eliminate the need? to carry cash, a car to visit the air, to forward transfers to tie or even use a credit card. Currently there are two platforms that facilitate the use of the m-payment. The first allows your mobile phone to connect to m-explains, such as your bank account, credit card, the payment service of Internet, or other financial institution. The second allows so that? Mobile phone companies act as a bank and allows customers deposit and withdraw money using their mobile customers. Although this service? Tickets available in the United States, the m-payment gi? acceptance and has enjoyed success in countries such as Japan, Korea and the Philippines. M. technology-payment also is beginning to flourish in South Africa, The Democratic Republic Of The Congo and Kenya are currently no special hardware? asked to use the m-payment. A subscriber can? practice surfing the web for an Internet-based payment-meters and then load the software programs being required on almost any mobile phone today. Software M-payment technology uses existing text-message to send and receive funds, confirm payments and credits and to control the balance. The virtual ATMImagine going to a McDonalds (or almost any retailer) to buy lunch and then asking the cashier the extra $ 50 (or more?) In cash. For a small fee, a McDonalds cashier to not only load? a? s? the customer? m.-explains the hamburger, soda and fried, but also ring? about $ 50 in cash that he or she has requested. Similar to debit cards, no? need? to identify a machine or the air to pay the high fees of activity? banking. (PTP) TransfersPerson staff on transfer of the person (PTP)? also possible. For example, friends, family and private parties involved in business transactions can transfer each other money via their mobile phones. A mother can? send your permission of the teenager? s? the daughter? via text message. Employers box salaries of text message to their mobile phones? of? of employees?. After the conquest of an on EBay, a buyer can? text payment to the seller. Or, someone wanders in a garage sale only to find antiques quell'bello object you're looking for, but did not cash. In addition, the seller does not accept credit cards. The solution? simple text messages by the buyer to pay directly to the mobile phone? s? the seller?. The possibility? are endless. Transfers to link via the World Bank's mobile PhoneThe estimates that global remittances (what? International wire transfers) annually exceed a quarter of trillion dollars. Still most, in many areas, the m-payments provide a new option to expatriates and? of? the workers? of the host? of? of? that wish to send the share of their wages home to support their families. In the U.S., many migrant workers from Central and South America of Mexico and use of wire transfers such as Western Union and Money gram to send money to their relatives abroad. In 2005 alone, the funds transferred to Mexico from the United States have amounted to pi? $ 20 billion. Unfortunately, these agencies journalistic information telegraph come with high fees and no bank receptive also collects fees for the transaction as well. Still, in rural areas many people abroad have no access to the bank. With technology m-payment, a migrant worker can? verbatim text message payment to his mobile phone? s? the relative?, what? bypassing the exorbitant fees charged by wire transfer and the receiving bank. ? s Virtual Check? ? ? ? ? ? ? ? ? ? ? of? of Traveler? Another amazing feature of the technology m-payment? that allows a mobile phone act as a virtual control? s? the traveler?. Before going on a family holiday, a subscriber can? deposit money in his client's mobile m-payment? s? the phone? then withdraw the funds as needed while traveling. Consumers pi? should not buy or travel checks of passengers at the quantity? Significant Di contract-less cash., or touch – and – go PhonesBeyond mobile so that their use? sending text messages to send and receive money, mobile phones can also be arranged in the way? of? contract-less? of? of? of?. To activate this feature for a SPE
H. Paul Leyva