Virtual Simulation Design Facing Smart Payment Screen on the Background of Artificial Intelligence.

Area of Science:

• Computer Science
• Human-Computer Interaction
• Financial Technology

Background:

• Virtual simulation technology is rapidly advancing and widely applied across various sectors.
• Despite its prevalence, virtual simulation has not been previously explored for intelligent payment systems.
• Traditional payment screens present limitations in security and efficiency.

Purpose of the Study:

• To design and evaluate an intelligent payment screen utilizing virtual simulation technology.
• To assess the performance, usability, and security of the novel payment screen compared to traditional methods.
• To analyze user preferences and risk factors associated with the virtual simulation-based payment screen.

Main Methods:

• Development of an intelligent payment screen incorporating virtual simulation technology.
• Performance evaluation focusing on security, usability, and payment time.
• User group analysis (youth vs. elderly) and risk assessment (operational, credit, liquidity, settlement).

Main Results:

• The virtual simulation payment screen demonstrated the most significant security improvements and slowest usability gains (4.2%).
• Youth users perceived faster usability improvements, while elderly users noted slower gains (9.4%).
• Average payment times decreased across locations, correlating with higher payment success rates; 18:00 was identified as peak usage time.
• Risk assessment revealed substantial reductions: operational (3.88%), credit (4.67%), liquidity (5.06%), and settlement (6.01%).

Conclusions:

• The intelligent payment screen design enhances user payment security and substantially reduces overall payment risks.
• Virtual simulation technology offers a promising avenue for improving intelligent payment systems.
• Further research may explore optimizing usability across diverse user demographics.