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Designing Mobile Payment Experiences

Book Description

Now that consumer purchases with mobile phones are on the rise, how do you design a payment app that’s safe, easy to use, and compelling? With this practical book, interaction and product designer Skip Allums provides UX best practices and recommendations to help you create familiar, friendly, and trustworthy experiences.

Consumers want mobile transactions to be as fast and reliable as cash or bank cards. This book shows designers, developers, and product managers—from startups to financial institutions—how to design mobile payments that not only safeguard identity and financial data, but also provide value-added features that exceed customer expectations.

  • Learn about the major mobile payment frameworks: NFC, cloud, and closed loop
  • Examine the pros and cons of Google Wallet, Isis, Square, PayPal, and other payment apps
  • Provide walkthroughs, demos, and easy registration to quickly gain a new user’s trust
  • Design efficient point-of-sale interactions, using NFC, QR, barcodes, or geolocation
  • Add peripheral services such as points, coupons and offers, and money management

Table of Contents

  1. Preface
    1. What Is This Book About?
    2. What Are Mobile Payments?
    3. Who Should Read This Book?
    4. How This Book Is Organized
    5. Safari® Books Online
    6. How to Contact Us
    7. Acknowledgments
    8. But Wait...There’s More
  2. 1. Bovines, Banknotes & Bytes
    1. Convenience
      1. Bartering and the Birth of Currency
        1. All coins, big and small
        2. Honey, I forgot my wallet
      2. Paying with Bytes
      3. Anytime, Anywhere
    2. Worth
      1. Introducing Paper Money
      2. Let’s Talk Turkey
      3. A Numbers Game
    3. Stability
      1. See Me, Touch Me, Feel Me
      2. The Trouble with Saddam’s Dinars
      3. Bitcoin Further Shifts Money to the Digital Plane
    4. Summary
    5. Further Reading
  3. 2. The Mobile Money Ecosystem
    1. Payment Framework Types
      1. NFC Payment Apps
        1. Benefits
        2. Challenges
      2. Cloud
        1. Benefits
        2. Challenges
      3. Closed Loop
        1. Benefits
        2. Challenges
    2. Summary
  4. 3. Leading US Mobile Payment Experiences
    1. NFC
      1. Google Wallet
        1. Overall design
        2. Payments
        3. Feedback
        4. Security
      2. Isis
        1. Overall design
        2. Payments
        3. Feedback
        4. Security
    2. Cloud Wallets
      1. PayPal
        1. Overall design
        2. Payments
        3. Feedback
        4. Security
      2. LevelUp
        1. Overall design
        2. Payments
        3. Feedback
        4. Security
    3. Closed Loop
      1. Starbucks
        1. Overall design
        2. Payments
        3. Feedback
        4. Security
      2. GoWallet
        1. Overall design
        2. Payments
        3. Feedback
        4. Security
    4. Summary
  5. 4. Building Trust into Mobile Payments
    1. Don’t Design for Early Adopters, Design for Everyone Else
    2. Onboarding and Registration
      1. The First Screen
      2. Walkthroughs and Demos
    3. Security Options: m-PINs, Passcodes, and Passwords
    4. Handling Sensitive Data
    5. Give Them a Helpful Help Section
    6. Summary
  6. 5. Designing Successful Payment Interactions
    1. Near Field Communication (NFC)
      1. NFC Essentials
        1. Initiate a payment
        2. Tap the phone on the reader
        3. Receive the payment result
      2. Putting It All Together
    2. Barcodes and QR Codes
      1. Barcode and QR Code Essentials
        1. Show me the code
        2. Secure the code
        3. Create big codes
        4. Use the best light and high contrast
        5. Use camera guides
        6. Provide rapid payment feedback
      2. Putting It All Together
    3. Geolocation
      1. Geolocation Payment Essentials
        1. Find a store
        2. Authorize payment easily
        3. Provide rapid payment feedback
      2. Putting It All Together
    4. Summary
  7. 6. Adding Value with Peripheral Services
    1. A Day in the Life of a Mobile Wallet User
    2. It’s Not Just About Payments
    3. Managing Mobile Money
      1. Balances and Transaction Histories
      2. Budgeting
    4. A Mobile Shopping Assistant
      1. Loyalty and Rewards
      2. Offers and Coupons
        1. Discovery
        2. Redemption
        3. Context
        4. Personalizing deals
    5. Mobile Travel
      1. Transit
      2. Air Travel
    6. Summary
  8. 7. Payments on the Horizon
    1. Here Come the 49ers
      1. Apple
      2. MCX
      3. Facebook
    2. Emerging Technologies and the Shopping Revolution
      1. Wearable Devices
      2. Biometrics
    3. Summary
  9. A. Companies, Products, and Links
  10. B. About the Author
  11. Index
  12. About the Author
  13. Copyright