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在过去的的几年之中，手机移动式支付曾经多次还未到市场便胎死腹中。《经济学人》曾指出手机移动钱包的使用，也可以理解为智能手机，它可以用来购买商品，通过短信，QR码，或者是近距离的无线式通信，这种模式在美国及欧洲国家迅速扩散开来，但是我们的预期太早了。 但是有一个国家已经开始推行非接触式支付。就好像与公寓式组合家具和动听的流行音乐一样。瑞典在手机支付领域引领着世界最先进行的潮流。这在很大程度之上是得益于网络的高覆盖率，在这个国家之内百分之九十四的居民在使用互联网。四家移动式支付平台在国内市场占据着重要的位置，并且此时正在积极发展海外市场。 MOBILE payment platforms have suffered several false starts over the past few years. The Economist noted that usage of mobile wallets, where smartphones can be used to pay for goods via text, QR codes, or Near-Field Communication (NFC) technology in so-called “contactless payments”, was gathering pace in the United States and Europe. Our forecasts turned out to be premature. But one country has taken to contactless payments. Just as in flat-pack furniture and euphonic pop music, Sweden leads the way in mobile-payment technology. Largely this is because of its high internet penetration; 94% of the population has internet access. Four mobile-payment commerce platforms have cracked their homeland and are now looking further afield for custom. One, Klarna, which began as a payment-processing service for online stores, has offered mobile payment services to businesses since 2010, and includes Spotify among its 15,000 customers. Sweden’s four big mobile-phone operators clubbed together to launch WyWallet, their own payment system, in the middle of 2013. At a stroke 97% of Swedish mobile-phone users could pay for goods at participating businesses. Another company, iZettle, recently gave card readers to Stockholm’s homeless magazine-sellers to process payments. It has grown within two years to provide mobile payment to businesses in Britain and Brazil, as well as in its home country. The most intriguing of the four is Seamless, a 12-year-old company based in Stockholm. The technology, at least on the surface, appears simple. Seamless installs its proprietary system at the point of sale that comes with a sticker containing both a QR code and NFC capability. (Each method acts as a failsafe: QR codes are sometimes unreadable, while NFC support is missing from Apple’s line of iPhones.) Shoppers install its smartphone app, SEQR, and hold their phone against the sticker. What goes on behind the scenes is more complicated. The customer's phone sends a small packet of data containing a user record and location to Seamless's system, where card details and account numbers are stored. The retailer's checkout system provides a cashier identification code and the value of the transaction, currently averaging €24 ($33). The data are matched, associated with bank accounts, and the purchase confirmed, usually in less than a second. Keeping sensitive data offline removes the risk of hacking, explains Peter Fredell, Seamless's chief executive. For this service Seamless charges only a fee of 0.98% of a transaction, two-thirds of the charge typically levied by credit- and debit-card companies in Sweden—and less than Seamless's mobile-payment competitors. The firm's technology is installed in more than 1,000 sales outlets, including supermarkets, car parks and fast-food chains, and processes transactions made by 250,000 consumers. A further 3,000 shops plan to use the system next year. SEQR has already migrated beyond Sweden's borders, signing up 400 retailers in Romania and announcing a partnership in Belgium with bpost bank and McDonald's. It has plans to expand, possibly in Britain and America, where credit- and debit-card fees are high. Around four-fifths of American consumers polled by Yankee Group, a market-research firm, are interested in paying for their shopping through mobile payments, but fewer than 15% have been offered the opportunity. Sweden has shown that m-commerce can be safe and easy—two barriers that have previously prevented its adoption. Flat-pack furniture did not fill British and American homes until some 25 years after Ingvar Kamprad set up his first IKEA store in Sweden. Swedish mobile payments ought to become as common as a Billy bookcase much quicker than that. Mobile payment is also known as mobile payment, is to allow users to use its mobile terminals (usually mobile) for the consumer goods or services for accounts to pay a service mode.Units or individuals via mobile devices, the Internet, or close sensor directly or indirectly to the banking financial institutions to send payment instructions currency in payment and money transfer behavior, so as to realize function of mobile payment.Mobile payment terminal equipment, the integration of the Internet, the application provider, and financial institutions, to provide users with monetary payment, payment and other financial business. Mobile payment is mainly divided into near field and remote payment two kinds, the so-called near-field payments, credit card is to use mobile phones by car, shopping, etc., is very convenient.Remote payment means: by sending a payment instructions (such as online banking, telephone banking, mobile payment, etc.) or with the tools of payment (e.g., by mail, remittance) to carry on the terms of payment, such as the palm of palm pay out electricity, palm top-up, palm video belongs to the remote payment, etc.Now pay standard is not unified to the related promotion caused a lot of confusion.Mobile payment standards work has been going on for more than three years, two camps mainly unionpay and China mobile in the game.Data research firm IDC report shows that in 2017 the global mobile payment amount will be $1 trillion.Powerful data means that the next few years the global mobile payment business will remain strong trend. Integration.With mobile phone as the carrier, through the close identification with terminal to read and write the information interaction, operators can be mobile card, bus card, canvas, bank CARDS and other kinds of information integrated into the platform for mobile phone carrier to integrate management, network system, and building of so as to provide users with very convenient payment channels and identity authentication.Mobile payment business is by the mobile operators, mobile application service provider (MASP) and, together with financial institutions, build on the mobile operation support system of a mobile data value-added business applications.Mobile payment system will be established for each mobile user a mobile phone number associated with payment account, its function is equivalent to the electronic wallet, for mobile users provides a traded by mobile phone payment and the way of identity authentication.Users to make a phone call, send text messages or use WAP function access mobile payment systems, mobile payment systems to send MASP。 With the rise of e-commerce and the popularity of intelligent domestic mobile phone, users pay demand new trend, the efficient, safe and convenient, anywhere new form of mobile payment has become the darling of the payments.Mobile payment standard come on stage, and in 2012 the efforts on the parties to the related industrial chain for the domestic environment, businesses and consumers to use mobile payment application behavior comprehensive development laid a solid foundation.According to ai consulting research and analysis, the current mobile phone users of mobile payment awareness high of 70%, but often the users of mobile payment only accounted for 6.3%, the use of higher awareness and conform to the domestic mobile payment development growth rule, with the mobile Internet rapid development, smart phone users changing consumer behavior, mobile payment will go into overdrive.User is the fundamental, to provide users with new experience and mobile payment mode, better user experience the convenience of mobile payment is an effective measure to promote mobile payment quickly spread. Mobile payment also called mobile payment refers to the user to use its mobile terminals (usually mobile) for the consumer goods or services accounts pay a service mode.Is the customer's phone number and bank card account for binding, by mobile phone short message, voice, such as operating mode, anytime, anywhere to have card of mobile phone users to provide convenient and personalized financial services and efficient payment channel. Pay distance in accordance with the mobile payment, mobile payment can be divided into the remote and proximal payment.Remote payment means through mobile network, the use of SMS, GPRS, such as air interface, payment system and the background to establish connections, realize all kinds of transfer, consumption, and payment functions.Proximal payment refers to the user using radio frequency (NFC), infrared, bluetooth technology, such as when buying goods or services, on-site payment by mobile phone to the businessman, the scene to realize mobile phones with the vending machine and the POS machine offline process of funds transfer.According to the payment amount, can be divided into micro and macro payment.Micropayments: refers to the pay is very small, only a few dollars or several dozens yuan, usually refers to buy mobile content services, such as video, digital music, and products, games, etc.It features small size, let consumers routinely with flowers out.Micro is rather large, transactions has the characteristics of high efficiency, convenient payment.Acer payment: payment means to deal with large amounts of money to pay, such as online shopping or close to pay (micro payment paid as well as the near field, such as parking fees to pay). Most current domestic smartphone users use mobile payment for the mobile APP and SMS payment, payment emerging sweep yards, near-field payment and mobile phone charge payment is in the new period, popularity is low, low degree of the user to use and acceptance.The near field mobile phone users payments and credit card payment operating mode can be simpler just lightly brush mobile phones and through radio frequency induction, "di" can complete payment, pay brought convenient for the user experience.But more than a gathering on the mobile phone CARDS, once lost or stolen mobile phones electronic cash is stolen brush, the dangers of electronic cash lost bearer, don't report the loss;Near field pay related infrastructure is not perfect at the same time, need a lot of money;Users are concerned about the problem of transaction security about the safety of the user accounts, personal information and data read is safe;These are an obstacle to the development of near field pay, only solve these problems, on the security good close, to win the potential users.Near field pay in experience is relatively simple, and user experience correlation area in mobile phone remote payment. Remote payment form a wide range of users dazzling, homogeneity of escalating competition of the commodity, what function is no longer the only standard to measure how good the mobile payment, users use mobile payment in meet the functional requirements at the same time, pay more attention to the use of mobile payment experience and feelings, the experience of the products is good, the user's choice of opportunity is big.And users once identified, the product will be converted to word of mouth to spread out, this way of communication is the most important way to increase the brand awareness.How to provide users with high quality, convenient operation, good user experience with mobile payment service, the following will be paid from the user interface, mobile payment services products user experience and the overall user experience analysis and study in three dimensions. Mobile payment users experience refers to the process of using the product or payment service summary form of subjective feeling.Pay according to the scope of products can be divided into direct user interface, user experience and payment services products from three aspects of the overall user experience, user interface to reflect on the mobile payment APP directly focused on the practical and easy to use interface products user experience more attention itself attractive to the user's mobile payment function such as a form of payment, the overall user experience is integrated operators to provide paid service to give users a comprehensive ability of experience.From the aspect of application, this paper studies the APP interface design and function operation convenience.Mobile payment APP belongs to the type of application, efficiency of the task of application software to determine the target, but this does not mean that the software design simple and boring, so the software requirements with a concise smooth user experience, of the more important task, the user experience on the focus on the task of all operating process of a task, to solve the user's needs and the actual target. Efficiency type application range from the social network to the mobile payment of all applications.Such applications are usually comes with a natural hierarchy, generally USES shallow hierarchy information architecture, in the main page shows the main function, let the user the ability to see at a glance.Efficiency type applications generally use multiple views, usually every view shows a level of information the user interface is usually simple, neat and is composed of standard views and controls;Efficiency type applications often don't have a lot of custom interface;Because this kind of task in a mobile environment is difficult to operate, coupled with the keyboard is small, so your application to minimize user input text;Also according to the characteristics of mobile payment APP design also need to pay attention to the following content, design of shallow information architecture, let users understand their position;Build the atmosphere with "security";Compatible with traditional payment;Will pay into the scene;Provide guide for novices function;Timely and effective feedback to users;Plans to build the user pay thinking rather than a physical wallet appearance;As far as possible concise interface, the user to focus on the task itself, etc;Mobile payment APP type belongs to the efficiency of application and its interface design also follow the efficient application of some of the basic principles. There are many different kinds of mobile payment, payment market existing client APP pays, barcode, emotional transfer, shake and acoustic payment (to pay), NFC payments, please enjoy (O2O), super payment, mobile phone voice, WAP gateway, quick brush, micro letter payment, as the third party payment market competition intensifies, payment companies launched a variety of convenient, emerging, safe and convenient way to pay, pay to provide users with a new experience.Alipay wallet on the transfer of the PC client users, pay treasure to brand credibility, pay treasure to purse a variety of functions and good pay experience as the foundation, makes the pay treasure to the wallet APP downloads, beside each big mobile phone software download ranking in the top.With third-party payment market competition intensifies, the company pay more for the best user experience and deep mining customer needs, make comprehensive life and financial services platform.Alipay purse 7.6.0 version of the latest upgrade, containing more than 30 free features and services, including the main highlight of this update in emotion transfer, pay, offline payment face to face, tap pay, campus services, automatic credit card payments, etc."Emotion transfer" function to face is not cold when you transfer number, can say what you want to say voice mail, you can also send a dynamic expression, with a little more fun, make money transfer "colorful".Offline payment "to even the poor cell phone signal or even without a network, also can rapid pay, as long as the fastest five seconds."Take card payments "technology can obviate the necessity of user manual type in the code. Micro letter as an innovative Internet payment products, let the payment function is combined with social tools, according to the new design mobile scene, become users with small purse, create new payment, became the new assistant of serving the public mobile life.Micro letter merchants pay can be anonymous access micro letter, scan the product, the micro letter to log in and pay, need not enter the address again, this innovative design simplifies the payment process, at the same time can also and friends to share and communicate.Micro letter provides the sweep qr code payment, micro letter, public pay inside, the third party App on micro letter pay three payment, due to a joint application scenarios, allows users to online consumer experience, enjoy the fun of offline, and thus get the favour of people.If one day I go to the barbershop a perm, a clerk finally give me the bill, besides I enjoy service and price, also have a qr code, sweep out the micro letter with my mobile phone, and then put the money to pay the other party, this is what a cool thing!The new payment method and improved the user pay experience, only according to user's consumption demand innovation experience can keep the payment industry vigorous development. Mobile payment technology innovation brings new experience for the user, convenient and quick, safe, claims, and trends in humanity, emotion, avant-garde characteristics meet the demand of the user's payment;At the same time pay for operating a sweep, brush gently only, can pay points, such as simple operation, the good operation experience;Mobile payment applications and e-commerce and social integration as an application, for the user's phone system thin body and offers huge potential user groups, finish the whole shopping process, in an application to the customers an effective, smooth, safe and convenient shopping process.Mobile payment industry to flourish, involves the chip, terminal to the commercial Banks, telecoms providers, payment and security vendor, the whole industry chain enterprises, a mobile payment environment.The user to select the mobile payment, will consider the company's reputation, guarantee and word of mouth, so users will be from the heart and personal information leakage risk the safety of the funds do not need to worry.Such as alipay, a wallet is a product of the highest paid software download charts, this has to do with alipay with its PC accumulation of a large number of users and has established a good reputation and credibility.Mobile phones for industry and commerce bank and construction bank in the second and third places respectively, they rely on the credibility of the industry and security, and pay for the client's optimization design, the user utilization rate of ascension.Other aspects such as refund payment timely, technology progress, the improvement of the law, user group evaluation, etc. These improvements will optimize the user experience.Under the premise that the user has a good mood, in the use of payment when the product there is no confusion or worry, under such a pleasant emotions, user's operating efficiency will be improved, with gives the user experience of payment. |
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