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MobiPag: integrated mobile payment, ticketing and couponing solution based on NFC.

Helena Rodrigues1, Rui José2, André Coelho3

  • 1Centro Algoritmi, Universidade do Minho, Campus de Azurém, 4800-058 Guimarães, Portugal. helena@dsi.uminho.pt.

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Summary

Mobile payments using Near Field Communication (NFC) are emerging. The MobiPag project developed an open architecture for mobile payment solutions, offering flexibility but impacting user understanding.

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Area of Science:

  • Computer Science
  • Information Systems

Background:

  • Mobile payments are an emerging technology with a gap between potential and adoption.
  • Near Field Communication (NFC) is a key protocol for mobile payment systems.

Purpose of the Study:

  • To present the MobiPag integrated mobile service solution based on NFC.
  • To describe the MobiPag architecture and its application in a mobile payment trial.
  • To identify design lessons, challenges, and guidelines for future NFC payment systems.

Main Methods:

  • Development of an open architectural model for mobile payment value-chain integration.
  • Implementation and execution of a mobile payment trial using NFC-enabled phones.
  • Analysis of usage experiences in real-world payment scenarios.

Main Results:

  • The MobiPag architecture supports multiple partners and innovative payment solutions.
  • Design lessons were derived from real-world NFC payment trials.
  • Key challenges and guidelines for early-phase NFC payment deployments were identified.

Conclusions:

  • An open architecture like MobiPag offers flexibility but requires careful consideration of the user's mental model.
  • Focusing on feasible scenarios is crucial for the initial adoption of NFC payment systems.
  • Future NFC payment systems can benefit from the identified challenges and guidelines for successful deployment.