UbiPay: minimizing transaction costs with smart mobile payments
UbiPay: minimizing transaction costs with smart mobile payments
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UbiPay：通过智能移动支付最大限度降低交易成本
DOI：
10.1145/1710035.1710036
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发表时间：
2009
期刊：
影响因子：
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通讯作者：
T. Nakajima
中科院分区：
文献类型：
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作者：
V. Lehdonvirta;H. Soma;Hitoshi Ito;Tetsuo Yamabe;Hiroaki Kimura;T. Nakajima
实现电子支付系统需要在可用性和安全性之间取得平衡。允许消费者不费吹灰之力就完成支付的系统，如智能卡，发生错误支付的可能性更高。通过要求消费者的明确批准来消除不正确支付的可能性的系统，例如信用卡，使得该系统对于小额支付来说过于繁琐。在本文中，我们模型的可用性和安全性的权衡作为一个问题，最大限度地减少支付系统对消费者的交易成本。我们提出了一个移动的支付方案，称为UbiPay，试图通过提供一系列的用户交互模式，并根据上下文数据选择最小的足够的交易成本推向零。我们的目标是让支付像呼吸一样：除非我们超出常规地使用我们的资源，否则我们只能在外围意识到这一点。一个原型系统的用户研究结果表明，这个概念是可行的。这一思想对日常生活的经济组织有着深刻的影响。
Implementing an electronic payment system involves striking a balance between usability and security. Systems that allow payments to be completed with little effort on the part of the consumer, such as smart cards, carry a higher probability of incorrect payments. Systems that eliminate the possibility of incorrect payments by requiring explicit approval from the consumer, such as credit cards, make the system too cumbersome for small payments. In this paper, we model the usability and security tradeoff as a problem of minimizing the transaction cost imposed by the payment system on the consumer. We propose a mobile payment scheme called UbiPay that attempts to push this transaction cost towards zero by offering a range of user interaction modes and choosing the minimum sufficient one based on context data. The aim is to make paying like breathing: something we are only peripherally aware of unless we exert our resources beyond the usual. Results from a user study on a prototype system suggest that the concept is feasible. The idea has powerful implications for the economic organization of everyday life.