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Sensors 2014, 14(8), 13389-13415;

MobiPag: Integrated Mobile Payment, Ticketing and Couponing Solution Based on NFC

Centro Algoritmi, Universidade do Minho, Campus de Azurém, 4800-058 Guimarães, Portugal
Faculdade de Engenharia, Universidade do Porto, Rua Dr. Roberto Frias, 4200-465 Porto, Portugal
INESC-ID, Instituto Superior Técnico, Universidade de Lisboa, Av. Prof. Doutor Aníbal Cavaco Silva, 2744-016 Porto Salvo, Portugal
This paper is an extended version of our paper published in 7th International Conference on Ubiquitous Computing & Ambient Intelligence, 2014; doi:10.1007/978-3-319-03176-7_12, available online:
Author to whom correspondence should be addressed.
Received: 15 March 2014 / Revised: 13 July 2014 / Accepted: 16 July 2014 / Published: 24 July 2014
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Mobile payments still remain essentially an emerging technology, seeking to fill the gap between the envisioned potential and widespread usage. In this paper, we present an integrated mobile service solution based on the near field communication (NFC) protocol that was developed under a research project called MobiPag. The most distinctive characteristic of Mobipag is its open architectural model that allows multiple partners to become part of the payment value-chain and create solutions that complement payments in many unexpected ways. We describe the Mobipag architecture and how it has been used to support a mobile payment trial. We identify a set of design lessons resulting from usage experiences associated with real-world payment situations with NFC-enabled mobile phones. Based on results from this trial, we identify a number of challenges and guidelines that may help to shape future versions of NFC-based payment systems. In particular, we highlight key challenges for the initial phases of payment deployments, where it is essential to focus on scenarios that can be identified as more feasible for early adoption. We also have identified a fundamental trade-off between the flexibility supported by the Mobipag solution and the respective implications for the payment process, particularly on the users’ mental model. View Full-Text
Keywords: mobile payments; NFC; user experience mobile payments; NFC; user experience
This is an open access article distributed under the Creative Commons Attribution License (CC BY 3.0).

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Rodrigues, H.; José, R.; Coelho, A.; Melro, A.; Ferreira, M.C.; Cunha, J.F.; Monteiro, M.P.; Ribeiro, C. MobiPag: Integrated Mobile Payment, Ticketing and Couponing Solution Based on NFC. Sensors 2014, 14, 13389-13415.

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