CookieFlavors: easy building blocks for wireless tangible input
CHI '06 Extended Abstracts on Human Factors in Computing Systems
ICESS '05 Proceedings of the Second International Conference on Embedded Software and Systems
A payment & receipt business model in U-commerce environment
ICEC '06 Proceedings of the 8th international conference on Electronic commerce: The new e-commerce: innovations for conquering current barriers, obstacles and limitations to conducting successful business on the internet
An empirical investigation of mobile ticketing service adoption in public transportation
Personal and Ubiquitous Computing
Human-Currency Interaction: learning from virtual currency use in China
Proceedings of the SIGCHI Conference on Human Factors in Computing Systems
Accurate activity recognition in a home setting
UbiComp '08 Proceedings of the 10th international conference on Ubiquitous computing
Mobile payment: A journey through existing procedures and standardization initiatives
IEEE Communications Surveys & Tutorials
Activity-Based micro-pricing: realizing sustainable behavior changes through economic incentives
PERSUASIVE'10 Proceedings of the 5th international conference on Persuasive Technology
Ecosystem scenarios for cloud-based NFC payments
Proceedings of the Fifth International Conference on Management of Emergent Digital EcoSystems
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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.