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<channel>
	<title>Touch &#187; Payments</title>
	<atom:link href="http://www.nearfield.org/theme/payments/feed" rel="self" type="application/rss+xml" />
	<link>http://www.nearfield.org</link>
	<description>Interaction with RFID and NFC</description>
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		<title>Google, Android and NFC</title>
		<link>http://www.nearfield.org/2010/11/google-android-and-nfc</link>
		<comments>http://www.nearfield.org/2010/11/google-android-and-nfc#comments</comments>
		<pubDate>Tue, 23 Nov 2010 14:05:27 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Events]]></category>
		<category><![CDATA[Interaction design]]></category>
		<category><![CDATA[Mobile]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Payments]]></category>
		<category><![CDATA[Technicalities]]></category>
		<category><![CDATA[android]]></category>
		<category><![CDATA[conference]]></category>
		<category><![CDATA[Eric Schmidt]]></category>
		<category><![CDATA[google]]></category>
		<category><![CDATA[nfc]]></category>
		<category><![CDATA[technology]]></category>
		<category><![CDATA[web 2.0]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/?p=1813</guid>
		<description><![CDATA[Alongside the persistent rumours of an Apple iPhone with an RFID/NFC reader (and our own experiments with iPhone NFC interactions) it seems that Google is really beginning to push for NFC as part of its Android operating system and hardware guidelines. In the recent &#8220;Conversation with Eric Schmidt&#8221; with John Battelle and Tim O&#8217;Reilly at [...]]]></description>
			<content:encoded><![CDATA[<p>Alongside the <a href="http://www.readwriteweb.com/archives/iphone_as_rfid_tag_reader.php">persistent</a> <a href="http://www.appleinsider.com/articles/10/11/01/apples_next_gen_iphone_rumored_with_rfid_enabled_remote_computing.html">rumours</a> of an Apple iPhone with an <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym>/<acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> reader (and our <a href="http://www.nearfield.org/2009/04/iphone-rfid-nfc">own experiments with iPhone <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> interactions</a>) it seems that Google is really beginning to push for <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> as part of its Android operating system and hardware guidelines. </p>
	<p>In the recent &#8220;Conversation with Eric Schmidt&#8221; with John Battelle and Tim O&#8217;Reilly at the Web 2.0 Summit 2010, there is a good deal of discussion about the use of <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> in mobile devices. Right at the start of this video there is a demo of as-yet-unannounced Google device with an <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> &#8216;secure element&#8217; chip, that interacts with a physical Google &#8216;placemark&#8217;.</p>
	<p><object width="500" height="306"><param name="movie" value="http://www.youtube.com/v/AKOWK2dR4Dg?fs=1&#038;hl=en_GB"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/AKOWK2dR4Dg?fs=1&#038;hl=en_GB" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="500" height="306"></embed></object></p>
	<p>While this demonstration is basic, and doesn&#8217;t actually go much further than what we are already used to with GPS and wifi positioning, it is quite exciting that a platform like Android might open up an open platform for physical-world interaction. I&#8217;d really like to see the possibility of actually implementing commercial apps and services that are more about our interaction and engagement with the physical world rather than the screen.</p><h4>Related things:</h4><p><ol>
<li><a href='http://www.nearfield.org/2008/05/thoughts-on-nokias-nfc-developments' rel='bookmark' title='Thoughts on Nokia&#8217;s NFC developments'>Thoughts on Nokia&#8217;s NFC developments</a> <small>On April 15th Nokia announced the 6212 &#8216;classic&#8217; phone that...... </small></li>
<li><a href='http://www.nearfield.org/2007/01/video-of-6131-nfc-phone-in-use' rel='bookmark' title='NFC in action'>NFC in action</a> <small>A video has surfaced from the recent launch of the...... </small></li>
<li><a href='http://www.nearfield.org/2007/03/bluetooth-21-incorporating-nfc' rel='bookmark' title='Bluetooth 2.1 incorporating NFC'>Bluetooth 2.1 incorporating NFC</a> <small>The Bluetooth people are now getting on the NFC bandwaggon,...... </small></li>
</ol></p>]]></content:encoded>
			<wfw:commentRss>http://www.nearfield.org/2010/11/google-android-and-nfc/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Advertising contactless technology</title>
		<link>http://www.nearfield.org/2008/11/advertising-contactless-technology</link>
		<comments>http://www.nearfield.org/2008/11/advertising-contactless-technology#comments</comments>
		<pubDate>Thu, 06 Nov 2008 23:38:37 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Payments]]></category>
		<category><![CDATA[Retail]]></category>
		<category><![CDATA[Visual design]]></category>
		<category><![CDATA[advertising]]></category>
		<category><![CDATA[video]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/?p=459</guid>
		<description><![CDATA[This spot advertises the new contactless barclaycard that uses RFID technology to make contactless payments. The ad was made by BBH London with creative director Pete Bradly (more info and making of videos). Interesting to see a one minute commercial explain touch/contactless technology.No related posts.]]></description>
			<content:encoded><![CDATA[<p>This spot advertises the new <a href="http://news.bbc.co.uk/1/hi/business/6945991.stm">contactless barclaycard</a> that uses <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym> technology to make contactless payments.</p>
	<p><object width="500" height="400"><param name="movie" value="http://www.youtube.com/v/0DiAjL72FVE&#38;hl=en&#38;fs=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/0DiAjL72FVE&#38;hl=en&#38;fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="500" height="400"></embed></object></p>
	<p>The ad was made by BBH London with creative director Pete Bradly (<a href="http://theinspirationroom.com/daily/2008/barclaycard-water-slide/">more info</a> and <a href="http://uk.youtube.com/watch?v=XMNBc7EfzAY">making of videos</a>). Interesting to see a one minute commercial explain touch/contactless technology.</p><p>No related posts.</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Images of touch interfaces</title>
		<link>http://www.nearfield.org/2008/09/images-of-touch-interfaces</link>
		<comments>http://www.nearfield.org/2008/09/images-of-touch-interfaces#comments</comments>
		<pubDate>Fri, 19 Sep 2008 09:38:11 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Interaction design]]></category>
		<category><![CDATA[Payments]]></category>
		<category><![CDATA[Product design]]></category>
		<category><![CDATA[Research]]></category>
		<category><![CDATA[Retail]]></category>
		<category><![CDATA[Ticketing]]></category>
		<category><![CDATA[Visual design]]></category>
		<category><![CDATA[design]]></category>
		<category><![CDATA[infoviz]]></category>
		<category><![CDATA[nfc]]></category>
		<category><![CDATA[rfid]]></category>
		<category><![CDATA[touch]]></category>
		<category><![CDATA[touch interface]]></category>
		<category><![CDATA[vernacular]]></category>
		<category><![CDATA[visual]]></category>
		<category><![CDATA[Visualisation]]></category>
		<category><![CDATA[visualization]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/?p=382</guid>
		<description><![CDATA[I&#8217;m happy to say that with great contributions from Nicolas Nova, Matt Jones and many others, the pool of images of &#8216;touch interfaces&#8217; on Flickr is growing nicely. I originally asked for contributions in February 2005, and the pool has been growing steadily ever since. This collection of &#8216;vernacular&#8217; designs for RFID-based interfaces is extremely [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m happy to say that with great contributions from <a href="http://www.liftlab.com/think/nova/">Nicolas Nova</a>, <a href="http://www.blackbeltjones.com/">Matt Jones</a> and many others, the pool of images of &#8216;touch interfaces&#8217; on Flickr is growing nicely. I originally <a href="http://www.elasticspace.com/2005/02/touch-interface-photos">asked for contributions</a> in February 2005, and the pool has been growing steadily ever since. </p>
	<p><a href="http://www.flickr.com/photos/tags/touchinterface"><img src="http://www.nearfield.org/wp-content/uploads/2008/09/picture-20-500x559.png" alt="" title="Touch interface tag on Flickr" width="500" height="559" class="alignnone size-medium wp-image-383" /></a></p>
	<p>This collection of &#8216;vernacular&#8217; designs for <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym>-based interfaces is extremely interesting for us, as we delve deeper into the visual representation of emerging technologies.</p>
	<p>If you have images of good, bad and especially odd interfaces where interaction with an <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym> tag or <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> mobile phone is indicated with an icon or an interestingly designed physical enclosure, please add it to the pool by tagging it &#8216;touch interface&#8217;.</p><h4>Related things:</h4><p><ol>
<li><a href='http://www.nearfield.org/2009/03/wireless-in-the-world' rel='bookmark' title='Wireless in the world'>Wireless in the world</a> <small>An ongoing Touch theme is about making invisible wireless technologies...... </small></li>
<li><a href='http://www.nearfield.org/2009/02/retouch-inspiring-touch-related-interaction-design' rel='bookmark' title='Re/Touch: Inspiring touch-related interaction design'>Re/Touch: Inspiring touch-related interaction design</a> <small>One of the things that social and cultural research on...... </small></li>
<li><a href='http://www.nearfield.org/2009/10/immaterials-the-ghost-in-the-field' rel='bookmark' title='Immaterials: the ghost in the field'>Immaterials: the ghost in the field</a> <small>This video is about exploring the spatial qualities of RFID,...... </small></li>
</ol></p>]]></content:encoded>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>RFID gestures</title>
		<link>http://www.nearfield.org/2008/06/rfid-gestures</link>
		<comments>http://www.nearfield.org/2008/06/rfid-gestures#comments</comments>
		<pubDate>Tue, 17 Jun 2008 12:41:29 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Payments]]></category>
		<category><![CDATA[Research]]></category>
		<category><![CDATA[Ticketing]]></category>
		<category><![CDATA[contactless]]></category>
		<category><![CDATA[gestural]]></category>
		<category><![CDATA[gestural interaction]]></category>
		<category><![CDATA[gestures]]></category>
		<category><![CDATA[nfc]]></category>
		<category><![CDATA[Radio]]></category>
		<category><![CDATA[rfid]]></category>
		<category><![CDATA[seoul]]></category>
		<category><![CDATA[south korea]]></category>
		<category><![CDATA[subway]]></category>
		<category><![CDATA[tangible interaction]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/?p=309</guid>
		<description><![CDATA[While thinking about radio-field-based interactions and the gestures that they entail I&#8217;m reminded of this quote by Adam in Everyware: &#8220;If you really want to know what information processing dissolving in behaviour really looks like, catch the way women swing their handbags across the Octopus readers at the turnstiles of the Mong Kok subway station; [...]]]></description>
			<content:encoded><![CDATA[<p>While thinking about radio-field-based interactions and the gestures that they entail I&#8217;m reminded of this quote by <a href="http://speedbird.wordpress.com/">Adam</a> in <a href="http://www.studies-observations.com/everyware/">Everyware</a>:</p>
	<blockquote>
		<p>&#8220;If you really want to know what <a href="http://www.adobe.com/designcenter/thinktank/noboundaries/">information processing dissolving in behaviour</a> really looks like, catch the way women swing their handbags across the Octopus readers at the turnstiles of the Mong Kok subway station; there&#8217;s nothing in the slightest to suggest that this casual 0.3-second gesture is the site of intense technical intervention.&#8221;</p>
	</blockquote>
	<p>Some of the most common <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym> gestures that have truly become part of everyday life are in contactless ticketing. Here are some images I took in Seoul, South Korea:</p>
	<p><a href="http://www.flickr.com/photos/timo/205692186/" title="RFID ticket interactions 2 by Ti.mo, on Flickr"><img src="http://farm1.static.flickr.com/62/205692186_478bb70897.jpg" width="500" height="333" alt="RFID ticket interactions 2" /></a></p>
	<p><a href="http://www.flickr.com/photos/timo/205691652/" title="RFID ticket interactions 1 by Ti.mo, on Flickr"><img src="http://farm1.static.flickr.com/90/205691652_5c29219914.jpg" width="500" height="333" alt="RFID ticket interactions 1" /></a></p>
	<p><a href="http://www.flickr.com/photos/timo/205692662/" title="RFID ticket interactions 3 by Ti.mo, on Flickr"><img src="http://farm1.static.flickr.com/80/205692662_8d38e41d03.jpg" width="500" height="333" alt="RFID ticket interactions 3" /></a></p>
	<p>Surprisingly, there is not a lot of work on the spatial or gestural aspects of radio-based interfaces. There is some work towards looking at the spatial aspects of camera-based interactions:</p>
	<p>Reeves, S. et al., 2006. <a href="http://portal.acm.org/citation.cfm?id=1142413&#38;coll=ACM&#38;dl=ACM&#38;CFID=35698786&#38;CFTOKEN=16992981">The spatial character of sensor technology</a>. In Proceedings of the 6th ACM conference on Designing Interactive systems.  University Park, PA, USA: ACM Press, pp. 31-40.</p><h4>Related things:</h4><p><ol>
<li><a href='http://www.nearfield.org/2006/07/rfid-in-seoul-first-impressions' rel='bookmark' title='RFID in Seoul: first impressions'>RFID in Seoul: first impressions</a> <small>I&#8217;m in Seoul, South Korea looking at the use of...... </small></li>
<li><a href='http://www.nearfield.org/2008/08/picnic-rfid-photo-booth' rel='bookmark' title='The RFID photo booth'>The RFID photo booth</a> <small>At last year&#8217;s Picnic conference we created a networked Photo...... </small></li>
<li><a href='http://www.nearfield.org/2009/04/iphone-rfid-nfc' rel='bookmark' title='iPhone RFID: object-based media'>iPhone RFID: object-based media</a> <small>This is a video prototype of an iPhone media player...... </small></li>
</ol></p>]]></content:encoded>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Lightweight, parasitic services</title>
		<link>http://www.nearfield.org/2008/05/touch-and-travel</link>
		<comments>http://www.nearfield.org/2008/05/touch-and-travel#comments</comments>
		<pubDate>Mon, 26 May 2008 13:31:34 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Payments]]></category>
		<category><![CDATA[Service design]]></category>
		<category><![CDATA[Ticketing]]></category>
		<category><![CDATA[Visual design]]></category>
		<category><![CDATA[bahn]]></category>
		<category><![CDATA[berlin]]></category>
		<category><![CDATA[contactless]]></category>
		<category><![CDATA[db]]></category>
		<category><![CDATA[deutsche bahn]]></category>
		<category><![CDATA[die bahn]]></category>
		<category><![CDATA[germany]]></category>
		<category><![CDATA[Mobile]]></category>
		<category><![CDATA[nfc]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[rfid]]></category>
		<category><![CDATA[touch and travel]]></category>
		<category><![CDATA[ubicomp]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/?p=300</guid>
		<description><![CDATA[Touch and travel is a German pilot scheme (one of many) that is testing NFC for ticketing on public transport. One of the partners in the trial Giesecke and Devrient describe it: &#8220;With the new eTicketing System Touch&#38;Travel from Deutsche Bahn (DB), the mobile phone serves as an electronic ticket on trains, buses, streetcars, subways, [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://touchandtravel.de">Touch and travel</a> is a German pilot scheme (one of <a href="http://en.wikipedia.org/wiki/Near_Field_Communication#Current_trials">many</a>) that is testing <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> for ticketing on public transport. One of the partners in the trial <a href="http://www.gi-de.com/portal/page?_pageid=44,137589&#38;_dad=portal&#38;_schema=PORTAL">Giesecke and Devrient</a> describe it:</p>
	<blockquote>
		<p>&#8220;With the new eTicketing System Touch&#38;Travel from Deutsche Bahn (DB), the mobile phone serves as an electronic ticket on trains, buses, streetcars, subways, etc. The SIM cards inside the phones are provided by Giesecke &#38; Devrient. The Touch&#38;Travel project is initiated by Deutsche Bahn, the German railway, and the mobile operator Vodafone.&#8221;</p>
	</blockquote>
	<p><a href="http://www.flickr.com/photos/timo/2523540581/" title="23 May, 13.43 by Ti.mo, on Flickr"><img src="http://farm3.static.flickr.com/2098/2523540581_fd3b71787c.jpg" width="500" height="333" alt="23 May, 13.43" /></a></p>
	<p>This trial shows one of the ways that <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> changes the infrastructure required for a ticketing or payment service. In this case it is a <em>lightweight, parasitic infrastructure</em> that can fairly cheaply be added to other ticketing methods. The service relies on three elements:</p>
	<ul>
		<li>Passive <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> tags at stations that contain a unique identifier or geographic information for that location. In this case they are embedded inside what must be a cheap container of aluminium, a printed surface and glass. This doesn&#8217;t require power or a network connection, and serves the same function as a large, powered, and networked ticket machine.</li>
		<li>The mobile phone is the window into the service; it interprets the location/identification data, connects to the &#8216;cloud&#8217; and provides an interface. This interface could show location, ticket prices, ticket options, time of journey, routes, transaction history, etc. Here there is the opportunity to create a service that offers more utility, value and experience than traditional ticketing.</li>
	</ul>
	<ul>
		<li>The mobile data network connects the user to the service, in many cases this data connection already exists, and doesn&#8217;t require infrastructural development. Of course here there are issues with underground metro systems that don&#8217;t offer mobile coverage.
	<p><a href="http://www.flickr.com/photos/timo/2524367076/" title="23 May, 13.43 by Ti.mo, on Flickr"><img src="http://farm3.static.flickr.com/2252/2524367076_87d956c000.jpg" width="500" height="333" alt="23 May, 13.43" /></a></p>
	<p>More details on the service/interaction design:</p>
		<li>By waving your <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> mobile handset over the so called Touchpoint before entering the train, located at the platforms, the system registers the beginning of a trip.</li>
		<li>The ticket is stored on the SIM card inside the mobile phone</li>
		<li>The conductor checks the ticket by scanning the phone with a portable reader.</li>
		<li>Having arrived at the destination, the handset is waved over the Touchpoint again. The system registers the end of your trip. The system processes the data and calculates the correct cost for the distance traveled.</li>
	</ul>
	<ul>
		<li>The passenger is billed once a month
	<p>Of course the service requires that <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> handsets are easily available, or that the service is sold through SIM add-ons for existing mobiles (perhaps as an alternative to a contactless card like Oyster/Suica). </p>
	<p>I wonder how a service that relies so heavily on an ad-hoc infrastructure will be accountable to failure and who holds responsibility and the problem-solving ability for errors and misunderstandings?</p>
	<p>Thinking also about <em>the parasitic</em>; might multiple services compete with each other for approachable station space? In a de-regulated environment (I&#8217;m thinking of the UK here) who you touch might define what service you get&#8230; </p><h4>Related things:</h4><p><ol>
<li><a href='http://www.nearfield.org/2007/01/touchable-services-art-server' rel='bookmark' title='Touchable services: Art Server'>Touchable services: Art Server</a> <small>In March 2006 Fourth year interaction design students at AHO...... </small></li>
<li><a href='http://www.nearfield.org/2007/01/touchable-services-underskog' rel='bookmark' title='Touchable services: Underskog'>Touchable services: Underskog</a> <small>In March 2006 Fourth year interaction design students at AHO...... </small></li>
<li><a href='http://www.nearfield.org/2006/09/touchable-services-local-interactions' rel='bookmark' title='Touchable services: local interactions'>Touchable services: local interactions</a> <small>In March 2006 Fourth year interaction design students at AHO...... </small></li>
</ol></p>]]></content:encoded>
			<wfw:commentRss>http://www.nearfield.org/2008/05/touch-and-travel/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Three papers on mobile payments</title>
		<link>http://www.nearfield.org/2008/05/three-papers-on-mobile-payments</link>
		<comments>http://www.nearfield.org/2008/05/three-papers-on-mobile-payments#comments</comments>
		<pubDate>Mon, 05 May 2008 13:06:55 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Mobile]]></category>
		<category><![CDATA[Payments]]></category>
		<category><![CDATA[Reading]]></category>
		<category><![CDATA[nfc]]></category>
		<category><![CDATA[rfid]]></category>
		<category><![CDATA[transactions]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/?p=287</guid>
		<description><![CDATA[The weblog &#8216;Putting people first&#8217; links to three interesting papers from CHI 2008 on mobile payments. From meiwaku to tokushita! Lessons for digital money design from Japan. Mainwaring, S., March, W., and Maurer, B. 2008. In Proceeding of the Twenty-Sixth Annual SIGCHI Conference on Human Factors in Computing Systems. &#8220;As an example of ubiquitous computing [...]]]></description>
			<content:encoded><![CDATA[<p>The weblog &#8216;Putting people first&#8217; <a href="http://www.experientia.com/blog/chi-2008-a-selection-on-mobile-banking/">links to</a> three interesting  papers from CHI 2008 on mobile payments.</p>
	<h3><a href="http://doi.acm.org/10.1145/1357054.1357058">From meiwaku to tokushita!</a></h3>
	<p><strong>Lessons for digital money design from Japan</strong>. Mainwaring, S., March, W., and Maurer, B. 2008. In Proceeding of the Twenty-Sixth Annual SIGCHI Conference on Human Factors in Computing Systems.</p>
	<blockquote>
		<p>&#8220;As an example of ubiquitous computing in the here and now, the adoption of digital money is found to be messy and contingent, shot through with cultural and social factors that do not hinder this adoption but rather constitute its specific character. Adoption is strongly tied to Japanese conceptions of the aesthetic and moral virtue of smooth flow and avoidance of commotion, as well as the excitement at winning something for nothing.&#8221;</p>
	</blockquote>
	<p>Reminds me of Bell &#38; Dourish&#8217;s <a href="http://www.ics.uci.edu/~jpd/ubicomp/BellDourish-YesterdaysTomorrows.pdf">Yesterday&#8217;s tomorrows</a> where ubicomp is <em>&#8216;highly present, visible, and branded&#8217;</em>.</p>
	<h3><a href="http://doi.acm.org/10.1145/1357054.1357059">Human-Currency Interaction</a></h3>
	<p><strong>Learning from virtual currency use in China</strong>. Wang, Y. and Mainwaring, S. D. 2008. In Proceeding of the Twenty-Sixth Annual SIGCHI Conference on Human Factors in Computing Systems. [<a href="http://www.isr.uci.edu/~yangwang/papers/CHI08-AuthorCopy.pdf"><acronym title="Portable Document Format">PDF</acronym></a>]</p>
	<blockquote>
		<p>&#8220;Virtual and real currencies can interact in complex ways that promote, extend, and/or interfere with the value and character of game worlds. Bringing money into HCI design heightens existing issues of realness, trust, and fairness, and thus presents new challenges and opportunities for user experience innovation.&#8221;</p>
	</blockquote>
	<p>I like the way that money as a constraint within HCI research is seen as a way of strengthening research around realness and trust.</p>
	<h3><a href="http://doi.acm.org/10.1145/1358628.1358887">Ubipay</a></h3>
	<p><strong>Conducting everyday payments with minimum user involvement</strong>. Lehdonvirta, V., Soma, H., Ito, H., Kimura, H., and Nakajima, T. 2008. In CHI &#8216;08 Extended Abstracts on Human Factors in Computing Systems. [<a href="http://casa.dit.unitn.it/resources/library/CHI2008/docs/p3537.pdf"><acronym title="Portable Document Format">PDF</acronym></a>]</p>
	<blockquote>
		<p>&#8220;The aim is to make paying like breathing: something we are only peripherally aware of unless we exert our resources beyond the usual. This idea has powerful implications for business and design.&#8221;</p>
	</blockquote>
	<p>Wow, towards true frictionless capitalism.</p><h4>Related things:</h4><p><ol>
<li><a href='http://www.nearfield.org/2006/08/nordichi-workshop-papers' rel='bookmark' title='Nordichi workshop papers'>Nordichi workshop papers</a> <small>Update The papers are available to download as PDF. A...... </small></li>
<li><a href='http://www.nearfield.org/2006/07/reboot-8-mobile-presence' rel='bookmark' title='Reboot 8: Mobile presence'>Reboot 8: Mobile presence</a> <small>The thing that struck me most at Reboot 8 was...... </small></li>
<li><a href='http://www.nearfield.org/2007/07/mobile-payment-demo' rel='bookmark' title='Mobile payment demo'>Mobile payment demo</a> <small>The near-future success of NFC depends on the usability of...... </small></li>
</ol></p>]]></content:encoded>
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		<title>&#8216;Touch orders&#8217; with &#8216;RFID dongles&#8217;</title>
		<link>http://www.nearfield.org/2007/10/touch-orders-with-rfid-dongles</link>
		<comments>http://www.nearfield.org/2007/10/touch-orders-with-rfid-dongles#comments</comments>
		<pubDate>Wed, 17 Oct 2007 17:17:56 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Mobile]]></category>
		<category><![CDATA[Payments]]></category>
		<category><![CDATA[Product design]]></category>
		<category><![CDATA[Service design]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/2007/10/touch-orders-with-rfid-dongles</guid>
		<description><![CDATA[A while ago some interesting projects attached passive RFID tags to ordinary mobile phones to enable participation within RFID-based ticketing, payment or infrastructure. I wrote about this way of retro-fitting mobile phones with RFID. Simply attaching passive RFID tags to mobile handsets allows new functions to be added without integration into the phone itself. This [...]]]></description>
			<content:encoded><![CDATA[<p>A while ago some <a href="http://rinf.com/alt-news/surveillance-big-brother/rfid-in-student-phones/703/">interesting</a> <a href="http://shifd.com/">projects</a> attached passive <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym> tags to ordinary mobile phones to enable participation within <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym>-based ticketing, payment or infrastructure. </p>
	<p>I wrote about this way of <a href="http://www.nearfield.org/2007/07/retro-fitting-mobile-phones-with-rfid">retro-fitting mobile phones with <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym></a>. Simply attaching passive <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym> tags to mobile handsets allows new functions to be added without integration into the phone itself. This offers some insight into the ways in which the phone is becoming central to everyday activity; where it acts as a hub for other touch-based functions like payment, ticketing and access.</p>
	<p>Now there are some very interesting observations by Flickr user <a href="http://www.flickr.com/photos/superlocal/1588484078/in/set-72057594054236963/">Superlocal</a> (on the <a href="http://www.poketo.com/hello/superlocal/?p=344">Poketo blog</a>) about the integration of <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> readers into standard Korean mobile phones. This is enabled by the mandated standards for data and power connections for mobile phones in Korea, so that any phone has a standard hardware interface.</p>
	<p><a href="http://www.flickr.com/photos/superlocal/1588484078/" title="McRFID dongle by superlocal, on Flickr"><img src="http://farm3.static.flickr.com/2404/1588484078_d2f5b83b01_o.jpg" width="500" height="500" alt="McRFID dongle" /></a></p>
	<p>Here McDonalds is offering customers an &#8220;<acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym> Dongle&#8221; that plugs into the data and power connections of almost any phone. Once an application is downloaded, the dongle allows selection and payment to be made from an <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym> menu at every table. The system is called <em>&#8216;touch order&#8217;</em>.</p>
	<p><a href="http://www.flickr.com/photos/superlocal/1588483658/" title="choosing a burger via RFID by superlocal, on Flickr"><img src="http://farm3.static.flickr.com/2239/1588483658_649ebc5836_o.jpg" width="500" height="500" alt="choosing a burger via RFID" /></a></p>
	<p>This system allows much richer mobile interaction than a passive <acronym title="Radio Frequency IDentification (A method of identifying unique items using radio waves. This is typically achieved with communication between a scanner or reader and a tag that contains data on a microchip)">RFID</acronym> tag allows, given that this is a reader, with access to secure phone applications, billing and data services – the full functions of <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym>.</p>
	<p>There are other manufacturers such as <a href="http://www.sdid.com/products.shtml">SDID</a>, <a href="http://www.sirit.com/index.php?id=295&#38;sub_id=276">Sirit</a> and <a href="http://acg-id.aaitg.com/index.php?id=95">ACG</a> that offer <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> modules that plug in to standard interfaces like SD slots, but these are not yet being used for mass-market applications. </p>
	<p>It is interesting to see McDonalds and SK Telecom introducing such a high-technology solution and providing shared hardware infrastructure to customers in order to enable it before <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> phones are mass-market. The application and service is rather mundane (in fact we might even call it an interaction design cliché), but it&#8217;s interesting that it has been made; it is out in the world being used. I&#8217;m interested to know how this works in practice, over the long-term.</p>
	<p><a href="http://asia.cnet.com/blogs/seouledout/post.htm?id=63000753">CNET Asia</a>, <a href="http://www.mydigitallife.info/2007/09/20/touch-order-allows-you-to-place-order-at-mcdonalds-via-handset/">My digital life</a> and <a href="http://www.fareastgizmos.com/mobile_phones/dont_wait_in_queueorder_your_mcdonald_hamburger_via_mobile_phone.php">Far East Gizmos</a> write more about the context of the <em>&#8216;touch order&#8217;</em> system.</p>
	<p><a href="http://www.flickr.com/photos/superlocal/tags/rfid/">More photos</a> of the menus, instructions and screen interface from Superlocal.</p><h4>Related things:</h4><p><ol>
<li><a href='http://www.nearfield.org/2008/09/images-of-touch-interfaces' rel='bookmark' title='Images of touch interfaces'>Images of touch interfaces</a> <small>I&#8217;m happy to say that with great contributions from Nicolas...... </small></li>
<li><a href='http://www.nearfield.org/2007/10/green-touch-at-dott07' rel='bookmark' title='Green Touch at Dott07'>Green Touch at Dott07</a> <small>In collaboration with Helsinki-based development project Social Objects we have...... </small></li>
<li><a href='http://www.nearfield.org/2007/07/mobile-payment-demo' rel='bookmark' title='Mobile payment demo'>Mobile payment demo</a> <small>The near-future success of NFC depends on the usability of...... </small></li>
</ol></p>]]></content:encoded>
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		<title>Felica promotional video</title>
		<link>http://www.nearfield.org/2007/08/felica-promotional-video</link>
		<comments>http://www.nearfield.org/2007/08/felica-promotional-video#comments</comments>
		<pubDate>Fri, 24 Aug 2007 13:26:46 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Mobile]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Payments]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/2007/08/felica-promotional-video</guid>
		<description><![CDATA[Another video demonstrating NFC technology. Look past the promotional spin and there are a lot of interesting clips of various NFC technologies in use. Felica is developed by Sony and is compatible with NFC standards.Related things: NFC in action A video has surfaced from the recent launch of the...... Developing NFC applications Judging by the [...]]]></description>
			<content:encoded><![CDATA[<p>Another video demonstrating <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> technology. Look past the promotional spin and there are a lot of interesting clips of various <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> technologies in use.</p>
	<p><object width="500" height="400"><param name="movie" value="http://www.youtube.com/v/QGkoFXbC3-4"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/QGkoFXbC3-4" type="application/x-shockwave-flash" wmode="transparent" width="500" height="400"></embed></object></p>
	<p><a href="http://www.sony.net/Products/felica/">Felica</a> is developed by Sony and is <a href="http://www.nfc-forum.org/resources/faqs#howwork">compatible with <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> standards</a>.</p><h4>Related things:</h4><p><ol>
<li><a href='http://www.nearfield.org/2007/01/video-of-6131-nfc-phone-in-use' rel='bookmark' title='NFC in action'>NFC in action</a> <small>A video has surfaced from the recent launch of the...... </small></li>
<li><a href='http://www.nearfield.org/2006/08/developing-nfc-applications' rel='bookmark' title='Developing NFC applications'>Developing NFC applications</a> <small>Judging by the number of emails we have received, there...... </small></li>
</ol></p>]]></content:encoded>
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		<title>Mobile payment demo</title>
		<link>http://www.nearfield.org/2007/07/mobile-payment-demo</link>
		<comments>http://www.nearfield.org/2007/07/mobile-payment-demo#comments</comments>
		<pubDate>Wed, 25 Jul 2007 12:47:31 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Interaction design]]></category>
		<category><![CDATA[Mobile]]></category>
		<category><![CDATA[Payments]]></category>
		<category><![CDATA[Service design]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/2007/07/mobile-payment-demo</guid>
		<description><![CDATA[The near-future success of NFC depends on the usability of mobile payments and ticketing. As interaction designers we of course argue that the success hinges on good design of this experience and recent news suggests that there is little to recommend mobile payments unless they offer some useful new features (see Place and product based [...]]]></description>
			<content:encoded><![CDATA[<p>The near-future success of <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> depends on the usability of mobile payments and ticketing. As interaction designers we of course argue that the success hinges on <em>good design of this experience</em> and <a href="http://www.cardtechnology.com/article.html?id=200705257LZ7G9PX">recent news</a> suggests that there is little to recommend mobile payments unless they offer some useful new features (see <a href="http://www.nearfield.org/2006/09/place-and-product-based-collaborative-filtering">Place and product based collaborative filtering</a>).</p>
	<p>So it&#8217;s good to see work that explores the details of the transaction interface (see our <a href="http://www.nearfield.org/2007/07/interactions-of-transactions">design brief</a>). This video shows <em>&#8220;A mobile payment demo using Welcome’s <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> applet integrated with a payment application in a mobile phone.&#8221;</em>:</p>
	<p><object width="500" height="400"><param name="movie" value="http://www.youtube.com/v/2KTyFE3sfSo"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/2KTyFE3sfSo" type="application/x-shockwave-flash" wmode="transparent" width="500" height="400"></embed></object></p>
	<p>More detail at <a href="http://aneace.blogspot.com/2007/07/mobile-payment-targeted-coupon-delivery.html">Aneace Haddad&#8217;s weblog</a>.</p>
	<p>It&#8217;s great to see that the transaction is very fast and there is at least basic audible feedback at the point of touching. It&#8217;s also interesting to note the integration of a paper receipt into the process. While a mobile wallet can provide payment history and receipts, the paper receipt builds trust in the transaction and its value should not be overlooked.</p>
	<p>Compare and contrast to <a href="http://www.youtube.com/results?search=related&#38;search_query=mobile%20payment%20contactless%20credit%20card%20NFC&#38;v=2KTyFE3sfSo">other <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> demo videos</a>, what kinds of interactions are working here? Does anyone else notice that <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> interactions that <a href="http://www.youtube.com/watch?v=PIsDWZkpZE0">rely heavily on the screen</a> seem awkward?</p><h4>Related things:</h4><p><ol>
<li><a href='http://www.nearfield.org/2007/07/interactions-of-transactions' rel='bookmark' title='Interactions of transactions'>Interactions of transactions</a> <small>This is a design brief, one of many themes that...... </small></li>
<li><a href='http://www.nearfield.org/2007/07/retro-fitting-mobile-phones-with-rfid' rel='bookmark' title='Retro-fitting mobile phones with RFID'>Retro-fitting mobile phones with RFID</a> <small>The promise of NFC is about easily using mobile phones...... </small></li>
<li><a href='http://www.nearfield.org/2008/05/three-papers-on-mobile-payments' rel='bookmark' title='Three papers on mobile payments'>Three papers on mobile payments</a> <small>The weblog &#8216;Putting people first&#8217; links to three interesting papers...... </small></li>
</ol></p>]]></content:encoded>
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		<title>Interactions of transactions</title>
		<link>http://www.nearfield.org/2007/07/interactions-of-transactions</link>
		<comments>http://www.nearfield.org/2007/07/interactions-of-transactions#comments</comments>
		<pubDate>Tue, 03 Jul 2007 15:44:07 +0000</pubDate>
		<dc:creator>Timo</dc:creator>
				<category><![CDATA[Design briefs]]></category>
		<category><![CDATA[Interaction design]]></category>
		<category><![CDATA[Mobile]]></category>
		<category><![CDATA[Payments]]></category>
		<category><![CDATA[Ticketing]]></category>

		<guid isPermaLink="false">http://www.nearfield.org/2007/07/interactions-of-transactions</guid>
		<description><![CDATA[This is a design brief, one of many themes that the Touch project is investigating. It is likely that NFC has a role to play in the future of our interactions with infrastructures like payment, ticketing and access. But it is clear that mobile phones offer a different interface and experience to cash, cards, wallets [...]]]></description>
			<content:encoded><![CDATA[<p><em>This is a <a href="http://www.nearfield.org/2007/05/touch-design-briefs">design brief</a>, one of many themes that the Touch project is investigating.</em></p>
	<p><a href="http://www.flickr.com/photos/timo/465976446/" title="Photo Sharing"><img src="http://farm1.static.flickr.com/168/465976446_357f27d33d.jpg" width="500" height="334" alt="" /></a></p>
	<p>It is likely that <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> has a role to play in the future of our interactions with infrastructures like payment, ticketing and access. But it is clear that mobile phones offer a different interface and experience to cash, cards, wallets and keys. So <em>how should transactions be designed to take advantage of the change in interface?</em></p>
	<p>One of the apparent changes is in the speed of transaction: the ability to simply touch a payment terminal with a mobile phone. There is also the ability to enter a pin number on one&#8217;s own device instead of using a terminal. With the ability to change the security level to suit individual requirements (or paranoia) this should allow payment interactions to work more efficiently and to be more secure. This is the advantage that has interested payments companies; the ability to process more customers.</p>
	<p>But the simple assumption that increased efficiency makes an attractive new service has started to be questioned (see references). What kinds of interfaces would be ideal for transactions and how might they be implemented on the mobile phone? How might we add valuable new interactions, services or information into the transaction process that makes it more <em>useful</em> than simple payments?</p>
	<p>Might there be other significant downsides as we expose our phone for every transaction? What about keeping a phone <em>concealed for safety</em> or the perceived risk of <em>disclosing personal data</em> by touching un-trusted objects?</p>
	<p>In this project we would like you to study these emerging interactions around daily infrastructures. The project could start by studying the extensive marketing material on the proposed benefits of <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> from the mobile and payments industry. This study could form the basis of prototypes and scenarios that can be tested and evaluated by potential users. Another approach would be to design ideal &#8216;payment or ticketing objects&#8217; for specific services, and to compare idealised designs with current implementations.</p>
	<p>Of particular interest is the issue of control and visibility: the ability to control when and to whom one is transacting with; to see a history of transactions and to be able to act on that history. </p>
	<h3>References</h3>
	<p>Chau, P. Y. and Poon, S. 2003. Octopus: an e-cash payment system success story. Commun. ACM 46, 9 (Sep. 2003), 129-133. <a href="http://doi.acm.org/10.1145/903893.903927">Link</a></p>
	<p>Benjamin Lim, Heejin Lee and Sherah Kurnia. <em>Why did an Electronic Payment System Fail? A Case Study from the System Provider’s Perspective.</em> <em>&#8220;The findings confirm the influence of EPS adoption factors identified from the literature, which include cooperation with established entities, simplicity, trust, security and mutuality of stakeholder benefits.&#8221;</em> <a href="http://www.collecter2006.unisa.edu.au/Paper%2011%20Benjamin%20Lim.pdf"><acronym title="Portable Document Format">PDF</acronym></a></p>
	<p><a href="http://www.cardtechnology.com/article.html?id=200705257LZ7G9PX"><acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> mobile payments fail to inspire</a>. <em>&#8220;Rules adopted by the payment card organizations allowing U.S. consumers to make low-value purchases without signing receipts, tapping cards or other tokens to pay is not appreciably faster or more convenient than swiping the cards at the point of sale.&#8221;</em></p>
	<p><a href="http://en.wikipedia.org/wiki/Suica">Suica</a>. <em>&#8220;A rechargeable contactless smart card used as a fare card on train lines in Japan.&#8221;</em></p>
	<p><a href="http://en.wikipedia.org/wiki/Octopus_Card">Octopus card</a>. <em>&#8220;A rechargeable contactless stored value smart card used to transfer electronic payments in online or offline systems in Hong Kong.&#8221;</em></p>
	<p><a href="http://www.theregister.co.uk/2007/02/08/financial_transactions/">Mobile eCash&#8217; could change the face of commerce</a> <em>&#8220;Cash or plastic? From starting with seashells, gold coins, and rewarding soldiers with salt, payment systems have evolved to keep lowering the cost of making each transaction, and separating the real item of value from the point of the transaction.&#8221;</em></p>
	<p>Touchable services project: <a href="http://www.nearfield.org/2006/09/place-and-product-based-collaborative-filtering">Place and product-based collaborative filtering</a>.</p>
	<p>See also <a href="http://www.nearfield.org/2007/06/recent-nfc-news-and-links">Recent <acronym title="Near Field Communication (a short-range wireless technology mainly aimed at usage in mobile phones.)">NFC</acronym> news and links</a>.</p>
	<p><em><a href="http://www.nearfield.org/2007/05/touch-design-briefs">Read more</a> about these design briefs.</em></p><h4>Related things:</h4><p><ol>
<li><a href='http://www.nearfield.org/2007/07/mobile-payment-demo' rel='bookmark' title='Mobile payment demo'>Mobile payment demo</a> <small>The near-future success of NFC depends on the usability of...... </small></li>
<li><a href='http://www.nearfield.org/2007/01/nokia-releases-first-mass-market-nfc-handset' rel='bookmark' title='Nokia releases first mass-market NFC handset'>Nokia releases first mass-market NFC handset</a> <small>Nokia today announced the 6131 NFC phone, the first integrated...... </small></li>
<li><a href='http://www.nearfield.org/2006/09/touchable-services-local-interactions' rel='bookmark' title='Touchable services: local interactions'>Touchable services: local interactions</a> <small>In March 2006 Fourth year interaction design students at AHO...... </small></li>
</ol></p>]]></content:encoded>
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