Designing Mobile Payment Experiences: Principles and Best Practices for Mobile Commerce by Allums Skip

Author:Allums, Skip
Language: eng
Format: epub
Tags: COMPUTERS / User Interfaces
ISBN: 9781449366308
Publisher: O'Reilly Media
Published: 2014-08-13T04:00:00+00:00

Figure 4-18. LevelUp gives the user several attempts before a final warning, after which she’ll be locked out

Figure 4-19. Brazil-based Iugu uses gesture patterns to lock its QR code–based wallet

Handling Sensitive Data

Developers should take great care never to expose information about users that would compromise their personal or financial privacy. This includes not only data sets like card numbers and PINs, but also identifiable information like location data, full names, and billing addresses. The easiest way to avoid exposure is not to use them in the first place! This is not really possible, of course. Whether they use closed loop reloadable cards (e.g., Starbucks) or a secure element embedded deep in the phone’s innards (e.g., Isis Wallet), all payment apps rely on the user offering up some kind of funding source.

There are two areas in this regard that concern users the most: visual feedback during data entry of their accounts and cards, and the resulting display of those accounts and cards in UI elements. The first scenario is rather straightforward: whenever users enter a credit card number, security code (CVV, CVM), password, or PIN, obfuscate the field so that they can see what they entered for about one second before the app replaces that value with a dot or asterisk.

The second scenario — displaying account information as part of the interface — is trickier.

We want users to be able to readily recognize their accounts or cards in a list, and select them to do things like transfer money between accounts or reload a prepaid card. When displaying credit and debit cards, avoid revealing more than the last four digits of the card number, as shown in Figure 4-20. Offer users the option to give their cards nicknames (like “My Debit Card” or “Gas Card”), so that they don’t have to rely on the card number alone for identification. Displaying card images provided by the issuing bank is also helpful, but avoid storing and using an actual photo of the card.

Download

Copyright Disclaimer:
This site does not store any files on its server. We only index and link to content provided by other sites. Please contact the content providers to delete copyright contents if any and email us, we'll remove relevant links or contents immediately.