Gaming the Mobile Wallet

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Every significant change in the popular uptake of personal computing devices over the last thirty years has been aided by the games and activities users have discovered and enjoyed on those devices. Games such as Solitaire to Pong to Snake to Angry Birds have familiarised millions with each phase of interacting with new technology. In this project, "Gaming the mobile wallet", we propose a gamified solution to mCommerce, introducing and engaging users with the concept of virtual payments using a mobile, digital wallet.We will use the psychology of play to monitor and change behaviour. We will test two aspects of this approach. Firstly, does it generate better awareness of transactions in real time: does a more engaged spender notice fraud sooner and can they take appropiate measures to report or stop it? Secondly, can location and context aware transactions be a supporting factor for authenticating or verifying transactions? We believe that carrying out transactions on the move are important aspects to the successful uptake of mCommerce. Since you need to be moving to conduct mobile commerce.Our approach will connect the initially foreign action of “swiping” a phone to the much more familiar environment of playing and socialising on the touch screen. It will translate the phone’s physical interactions with the world into interesting, useful and meaningful digital interactions, with the emphasis on visualisations of traditionally boring financial lists of transactional data. The transaction data will be matched against the player's location. A user will be able to see and understand their spending patterns. This will also provide a level of fraud proteciton.If a user can link a transaction to a location, place or game action, it will be easier to validate that transaction.The experience will extend beyond financial transactions. It will engage users with new technology, such as Near Field Communication (NFC) use. And improve their lives with choices of healthier and more environmentally beneficial behaviours. We would be happy to work with other competition winners, who may require a more fun approach to user engagement and move away from the possible “technology push”.The game will be accessible to those who find technology difficult to access or use. The experience will be light and impactful – disposable and compulsive. Just like any good game. And finally, the user will not be particularly aware that they are the first line in fraud protection.