Index

A note on the digital index

A link in an index entry is displayed as the section title in which that entry appears. Because some sections have multiple index markers, it is not unusual for an entry to have several links to the same section. Clicking on any link will take you directly to the place in the text in which the marker appears.

A

About/Support screen (Tabbed Out), Give Them a Helpful Help Section
account information, handling sensitive data, Handling Sensitive Data
activity logs, peripheral services, Balances and Transaction Histories
adding value with peripheral services, Adding Value with Peripheral Services
feedback, It’s Not Just About Payments
balances and transaction histories, Balances and Transaction Histories
budgeting tools, Budgeting
mobile travel, Mobile Travel
air travel, Air Travel
transit systems, Mobile Travel
money-saving programs, A Mobile Shopping Assistant
loyalty and rewards, A Mobile Shopping Assistant
offers and coupons, Offers and Coupons
agriculture as currency, Convenience
Air New Zealand, mPass app, Air Travel
air travel, peripheral services, Air Travel
American Express Serve prepaid cards, Overall design
app-launch-to-payment flow (Google Wallet), Overall design
Apple
future of mobile payment systems, Apple
Passbook, mobile boarding passes, Air Travel
apps
Belly loyalty program, Loyalty and Rewards
Cartwheel (Target), ease of coupon redemption, Redemption
CashTank app, Sony SmartWatch, Wearable Devices
Coinbase
PIN screen, Security Options: m-PINs, Passcodes, and Passwords
transaction history screen, Give Them a Helpful Help Section
Cover, required data fields, Walkthroughs and Demos
Dunkin Donuts, Closed Loop
required data fields, Walkthroughs and Demos
Terms of Use and privacy policies, Walkthroughs and Demos
EAZE app (Google Glass), Wearable Devices
Eureka Offers
coupon detail screens, Redemption
Saved Offers drawer, Personalizing deals
financial
closed loop system technology, Closed Loop
Cloud payment technology, Cloud
consumer expectations, Bovines, Banknotes & Bytes
NFC technology, NFC Payment Apps
Google Now, mobile air travel, Air Travel
Google Offers, redeeming offers/coupons, Redemption
Google Wallet, Leading US Mobile Payment Experiences
app-launch-to-payment flow, Overall design
digital receipts, Balances and Transaction Histories
entering incorrect PIN/password, Security Options: m-PINs, Passcodes, and Passwords
feedback, Payments
handling sensitive data, Handling Sensitive Data
loyalty-card-plus-payment experience, Loyalty and Rewards
messaging regardng background, Walkthroughs and Demos
overall design, Google Wallet
payments, Overall design
security, Feedback
start screen, Walkthroughs and Demos
GoWallet, Challenges
Groupon, map for local offers, Discovery
Harris + Hoole, balance display, Balances and Transaction Histories
Isis
confirmation screen, Feedback
customizing offers, Context
feedback, Payments
Help section and FAQs, Give Them a Helpful Help Section
loyalty- card-plus-payment experience, Loyalty and Rewards
overall design, Isis
payments, Overall design
PIN screen, Security Options: m-PINs, Passcodes, and Passwords
security, Feedback
tutorial, Walkthroughs and Demos
user experience, Isis
KT’s Cashbee mobile transit app, Mobile Travel
Lemon Wallet, nonsecure personal data, Handling Sensitive Data
Level, balance visualizations, Budgeting
LevelUp, Cloud
communicating customer security, Walkthroughs and Demos
feedback, Payments
How it Works tutorial, Walkthroughs and Demos
incorrect PIN/password entry, Security Options: m-PINs, Passcodes, and Passwords
overall design, Overall design
payments, Overall design
pop ups and toasts, registration, Walkthroughs and Demos
SCVNGR, LevelUp
security, Feedback
start screen, The First Screen
user experience, LevelUp
Mint
pie charts showing spending patterns, It’s Not Just About Payments
TouchID, Apple
Moven, balance visualizations, Budgeting
mPass (Air New Zealand), Air Travel
Passbook (Apple), mobile boarding passes, Air Travel
PayPal, PayPal
feedback, Payments
fingerprint scanners, Biometrics
handling sensitive data, Handling Sensitive Data
overall design, PayPal
payment options, Cloud
payments, Overall design
PIN screen, Security Options: m-PINs, Passcodes, and Passwords
security, Feedback
Terms of Use and privacy policies, Walkthroughs and Demos
tutorial, Walkthroughs and Demos
walkthroughs and demos, Walkthroughs and Demos
payWave mobile, Visa, NFC Payment Apps
Pivo, balance timeline, Budgeting
Register, Cloud
RetailMeNot
customizing offers, Context
geofencing, Context
Royal Bank of Scotland banking app, transaction history, Balances and Transaction Histories
Shopkick loyalty programs, Loyalty and Rewards
Simple budgeting tools, Budgeting
Square Cash, person-to-person payments, It’s Not Just About Payments
Square Order, Cloud, Cloud
service agreements, Walkthroughs and Demos
Starbucks, Closed Loop
dashboard, Starbucks
Pebblebucks for Pebble smartwatch, Wearable Devices
rewards program, Starbucks, A Mobile Shopping Assistant
tip feature, Payments
transaction history, Feedback
user experience, Starbucks
T-Money, balance display, Balances and Transaction Histories
Tabbed Out, Help section, Give Them a Helpful Help Section
Uber, registering progress indicator, Walkthroughs and Demos
United Airlines mobile, Air Travel
Venmo
communicating customer security, Walkthroughs and Demos
entering incorrect PIN/password, Security Options: m-PINs, Passcodes, and Passwords
Help section and FAQs, Give Them a Helpful Help Section
required data fields, Walkthroughs and Demos
authentication
biometric mechanisms, Biometrics
customer expectations, Don’t Design for Early Adopters, Design for Everyone Else
multifactor, Benefits
TouchID (Apple) mechanisms, Apple
authorization process
credit cards, history of, Honey, I forgot my wallet
geolocation payment interactions, Geolocation
high-value payments, Barcodes and QR Codes
automatic authorization, geolocation payment interactions, Geolocation
average transaction time, payment systems, Benefits
awareness challenge, NFC payments, Challenges

B

balance checks, GoWallet, Feedback
balance information, peripheral services, Balances and Transaction Histories
balance timeline, Pivo, Budgeting
bank notes
1865 Rhode Island, See Me, Touch Me, Feel Me
Bank of England drawn notes, Let’s Talk Turkey
European Monetary Institute, See Me, Touch Me, Feel Me
BankAmericard, Honey, I forgot my wallet
banking
digital money, A Numbers Game
mobile, Anytime, Anywhere
online, Anytime, Anywhere
barcodes
designing payment interactions, Barcodes and QR Codes
camera guides, Create big codes
creating big code, Barcodes and QR Codes
displaying the code, Barcodes and QR Codes
rapid payment feedback, Provide rapid payment feedback
scenarios, Provide rapid payment feedback
screen light and contrast, Create big codes
securing the code, Barcodes and QR Codes
LevelUp app, Cloud
MCX (Merchant Customer Exchange), MCX
bartering, history, Convenience
Belly loyalty program, Loyalty and Rewards
benefits, Payments
(see also strengths)
closed loop payment systems, The Mobile Money Ecosystem, Closed Loop
Cloud-based payment systems, The Mobile Money Ecosystem, Cloud
NFC (near-field communication) readers, The Mobile Money Ecosystem, NFC Payment Apps
bespoke keypads, m-PIN interfaces, Security Options: m-PINs, Passcodes, and Passwords
bills, artifact looks, A Numbers Game
biometrics, Biometrics
Birch, Dave, Biometrics
Bitcoins, The Trouble with Saddam’s Dinars
Eaze app for Google Glass, Wearable Devices
Blackhawk Network, GoWallet, GoWallet
Bloomingdale, Alfred, Honey, I forgot my wallet
Bluetooth Low Energy (BLE)-powered iBeacons
Apple, Apple
Citi Stadium, Apple
Bluetooth Low Energy beacons, PayPal payment options, Cloud
bPay trial, onboarding, Walkthroughs and Demos
Braintree, LevelUp
brightness of screens, barcode and QR code payments, Create big codes
budgeting tools, peripheral services, Budgeting
building trust with consumers, Don’t Design for Early Adopters, Design for Everyone Else
handling sensitive data, Handling Sensitive Data
Help section, Give Them a Helpful Help Section
onboarding process and registration, Don’t Design for Early Adopters, Design for Everyone Else
first screen, Don’t Design for Early Adopters, Design for Everyone Else
walkthroughs and demos, Walkthroughs and Demos
security options, Security Options: m-PINs, Passcodes, and Passwords
m-PINs (mobile PINs), Security Options: m-PINs, Passcodes, and Passwords
passcodes, Security Options: m-PINs, Passcodes, and Passwords
passwords, Security Options: m-PINs, Passcodes, and Passwords

C

California Gold Rush of 1849, Payments on the Horizon
call-to-action buttons
NFC readers, Initiate a payment
camera guides, barcode and QR code payments, Create big codes
card-not-present transactions, challenges, Benefits
card-present transactions, Benefits
Cartwheel app (Target), ease of coupon redemption, Redemption
cash, Honey, I forgot my wallet
Cashbee mobile transit app, Mobile Travel
CashTank app, Sony SmartWatch, Wearable Devices
challenges, Biometrics
(see also weaknesses)
biometrics, Biometrics
closed loop payment systems, The Mobile Money Ecosystem, Challenges
Cloud-based payment systems, The Mobile Money Ecosystem, Benefits
NFC (near-field communication) readers, The Mobile Money Ecosystem, Benefits
charge plates, history, Honey, I forgot my wallet
check-in payment option
PayPal, Cloud
check-in payments
PayPal, Payments
checks (bank), future of, Payments on the Horizon
checks, history, Let’s Talk Turkey
China, paper money, Worth
chip and pin (quotes) credit cards, Payments on the Horizon
Citibank, Leading US Mobile Payment Experiences
Clipper card, Adding Value with Peripheral Services
closed loop payment systems, The Mobile Money Ecosystem, Closed Loop
benefits, Closed Loop
challenges, Challenges
user experience
GoWallet, GoWallet
Starbucks app, Starbucks
Cloud-based payment systems
user experience, PayPal
LevelUp, LevelUp
PayPal, PayPal
Cloud-based payments, The Mobile Money Ecosystem, Cloud
benefits, Cloud
challenges, Benefits
Coin card project, Payments on the Horizon
Coinbase app
mobile payment PIN screen, Security Options: m-PINs, Passcodes, and Passwords
transaction history screen, Give Them a Helpful Help Section
coins, Bartering and the Birth of Currency
(see also currencies)
artifact aesthetics, A Numbers Game
portability, Bartering and the Birth of Currency
commodity exchange
history, Convenience
components, NFC transactions, NFC Payment Apps
consumer expectations
financial apps, Bovines, Banknotes & Bytes
mobile app design, Building Trust into Mobile Payments
building trust with consumers, Don’t Design for Early Adopters, Design for Everyone Else
handling sensitive data, Handling Sensitive Data
Help section, Give Them a Helpful Help Section
onboarding process and registration, Don’t Design for Early Adopters, Design for Everyone Else
overcoming consumer mindshare, Don’t Design for Early Adopters, Design for Everyone Else
security options, Security Options: m-PINs, Passcodes, and Passwords
consumer expectations, designing payment interactions, Designing Successful Payment Interactions
consumer mindshare, overcoming
mobile app design, Don’t Design for Early Adopters, Design for Everyone Else
context, offers and coupons, Redemption
contrast screens, barcode and QR code payments, Create big codes
convenience, payment systems, Bovines, Banknotes & Bytes
cost of effort, designing payment interactions, Designing Successful Payment Interactions
Costa Rican colónes, See Me, Touch Me, Feel Me
coupon detail screen, Eureka Offers, Redemption
coupons, peripheral services, Offers and Coupons
context, Redemption
personalizing deals, Context
redemption, Redemption
searching for, Discovery
Cover app, required data fields, Walkthroughs and Demos
credit cards
authorization process, history of, Honey, I forgot my wallet
Coin card project, Payments on the Horizon
history, Honey, I forgot my wallet
currencies, Bartering and the Birth of Currency
(see also coins; money)
agriculture as, Convenience
artifact looks, A Numbers Game
Costa Rican colónes, See Me, Touch Me, Feel Me
digital, The Trouble with Saddam’s Dinars
history, Bovines, Banknotes & Bytes, Convenience
hui-zi, Bartering and the Birth of Currency
paper money, Worth
perceived worth, Anytime, Anywhere
polymer notes, See Me, Touch Me, Feel Me
stability, See Me, Touch Me, Feel Me
customizing offers, Context

D

Dash app, start screen, The First Screen
dashboards, Starbucks app, Starbucks
data connectivity, facilitating Cloud-based payments, Challenges
data fields, reducing required fields to improve user experience, Walkthroughs and Demos
debit cards, Honey, I forgot my wallet, Payments on the Horizon
demos, onboarding process and registration, Walkthroughs and Demos
design
consumer expectations, Building Trust into Mobile Payments
building trust with consumers, Don’t Design for Early Adopters, Design for Everyone Else
handling sensitive data, Handling Sensitive Data
Help section, Give Them a Helpful Help Section
onboarding process and registration, Don’t Design for Early Adopters, Design for Everyone Else
overcoming consumer mindshare, Don’t Design for Early Adopters, Design for Everyone Else
security options, Security Options: m-PINs, Passcodes, and Passwords
payments
barcodes and QR codes, Barcodes and QR Codes
comparison of three types of interactions, Designing Successful Payment Interactions
geolocation, Putting It All Together
NFC (near-field communication) readers, Designing Successful Payment Interactions
time and effort, Designing Successful Payment Interactions
design, mobile payments
user experience, Leading US Mobile Payment Experiences
closed loop payment systems, Starbucks
Cloud-based payment systems, PayPal
NFC (near-field communication) readers, Leading US Mobile Payment Experiences
design, user experience
Google Wallet, Google Wallet
GoWallet, GoWallet
Isis, Isis
LevelUp app, Overall design
PayPal, PayPal
Starbucks app, Starbucks
digital boarding passes, Air Travel
digital card profile, Google Wallet, Google Wallet
digital currencies, The Trouble with Saddam’s Dinars
digital money, banking, A Numbers Game
digital receipts, Google Wallet, Balances and Transaction Histories
digital signatures, Security Options: m-PINs, Passcodes, and Passwords
digital-social identity, Facebook Cards, Facebook
Diners Club card, Honey, I forgot my wallet
discounts, Isis, Overall design
displaying account information, handling sensitive data, Handling Sensitive Data
displaying code, barcode and QR code payments, Barcodes and QR Codes
drawn notes, history of checks, Let’s Talk Turkey
Dunkin Donuts app
closed loop payment system, Closed Loop
required data fields, Walkthroughs and Demos
Terms of Use and privacy policies, Walkthroughs and Demos

E

e-tickets, adding to wallet, A Day in the Life of a Mobile Wallet User
early adopters of mobile payment apps, Don’t Design for Early Adopters, Design for Everyone Else
EasyPay (Apple), Apple
EAZE app (Google Glass), Wearable Devices
eBay, Anytime, Anywhere
ecommerce revolution, Paying with Bytes
electronic payments, Anytime, Anywhere
emerging technologies, Facebook
biometrics, Biometrics
wearable devices, Wearable Devices
error handling, incorrect PIN/password entry, Security Options: m-PINs, Passcodes, and Passwords
error messaging, PayPal, Payments
Eureka Offers
coupon detail screens, Redemption
Saved Offers drawer, Personalizing deals
European Monetary Institute
Euros competition, See Me, Touch Me, Feel Me
Euros, European Monetary Institute competition, See Me, Touch Me, Feel Me
exchange medium, Worth
experience diversion, Orbitz and Kayak samples, It’s Not Just About Payments
EZ Rider program, Transit, Transit

F

Facebook Cards, Facebook
Facebook, future of mobile payment systems, MCX
facial recognition, authenticating mobile devices, Biometrics
UNIQUL, Biometrics, Biometrics
facial recognition, locking mechanism, Security Options: m-PINs, Passcodes, and Passwords
FAQs (Frequently Asked Questions)
Isis Wallet, Give Them a Helpful Help Section
Tabbed Out, Give Them a Helpful Help Section
Venmo, Give Them a Helpful Help Section
feedback
barcode and QR code payments, Provide rapid payment feedback
geolocation payment interactions, Authorize payment easily
peripheral services, It’s Not Just About Payments
balances and transaction histories, Balances and Transaction Histories
budgeting tools, Budgeting
real-time financial data, It’s Not Just About Payments
user experience
Google Wallet, Payments
GoWallet, Feedback
Isis, Payments
LevelUp app, Payments
PayPal, Payments
Starbucks app, Payments
feedback challenge, NFC readers, Challenges
Fifth Element, MultiPasses, Payments on the Horizon
financial apps
consumer expectations, Bovines, Banknotes & Bytes
technology approaches
closed loop payment systems, Closed Loop
Cloud-based payment systems, Cloud
NFC (near-field communication) readers, NFC Payment Apps
fingerprint scanners, authenticating mobile devices, Biometrics
PayPal, Biometrics
TouchID (Apple), Apple
fingerprint scanning, locking mechanism, Security Options: m-PINs, Passcodes, and Passwords
First Data, Leading US Mobile Payment Experiences
survey, A Mobile Shopping Assistant
first screen, onboarding process and registration, Don’t Design for Early Adopters, Design for Everyone Else
forgotten PINs/passwords, Security Options: m-PINs, Passcodes, and Passwords
frameworks, payment systems, The Mobile Money Ecosystem
closed loop payment systems, Closed Loop
Cloud-based payments, Cloud
NFC (near-field communication) readers, NFC Payment Apps
Frank McNamara’s Hamilton Credit Corporation, Honey, I forgot my wallet
Frequently Asked Questions (FAQs)
Isis Wallet, Give Them a Helpful Help Section
Tabbed Out, Give Them a Helpful Help Section
Venmo, Give Them a Helpful Help Section
Fujistu-backed Pulse Wallet, Biometrics
future of mobile payment systems, Payments on the Horizon
Apple, Apple
emerging technologies, Facebook
biometrics, Biometrics
wearable devices, Wearable Devices
Facebook, MCX
MCX (Merchant Customer Exchange), MCX

G

Genius Bar appointment system (Apple), Apple
geofencing, Redemption
geolocation
designing payment interactions, Putting It All Together
authorizing payments, Geolocation
finding a store, Geolocation
rapid payment feedback, Authorize payment easily
scenarios, Provide rapid payment feedback
PayPal, triggered check-in payment option, Cloud
Germany, mobile wallet use, A Day in the Life of a Mobile Wallet User
gestures, locking mechanism, Security Options: m-PINs, Passcodes, and Passwords
gift card wallets, Challenges
gift cards, GoWallet app, GoWallet
Gift feature, Facebook, Facebook
Google Glass, Wearable Devices
Google Now, mobile air travel, Air Travel
Google Offers, redeeming offers/coupons, Redemption
Google Wallet
app-launch-to-payment flow, Overall design
digital receipts, Balances and Transaction Histories
entering incorrect PIN/password, Security Options: m-PINs, Passcodes, and Passwords
handling sensitive data, Handling Sensitive Data
loyalty-card-plus-payment experience, Loyalty and Rewards
messaging regarding background activity, Walkthroughs and Demos
Open & Tap payment method, Initiate a payment
start screen, Walkthroughs and Demos
user experience, Leading US Mobile Payment Experiences
feedback, Payments
overall design, Google Wallet
payments, Overall design
security, Feedback
Google Wallet Balance, Overall design
GoWallet, Challenges
user experience, GoWallet
feedback, Feedback
overall design, GoWallet
payments, Overall design
security, Security
Groupon, map for local offers, Discovery
Gyft, Challenges

H

hackers, high-profile security breaches, Don’t Design for Early Adopters, Design for Everyone Else
handling sensitive data, Handling Sensitive Data
Harris + Hoole, balance display, Balances and Transaction Histories
HCE (host card emulation), Google Wallet
Heartbleed attack of OpenSSL, Don’t Design for Early Adopters, Design for Everyone Else
Help section, Give Them a Helpful Help Section
access to tutorials, Walkthroughs and Demos
Isis Wallet, Give Them a Helpful Help Section
Tabbed Out, Give Them a Helpful Help Section
Venmo, Give Them a Helpful Help Section
high-profile security breaches, Don’t Design for Early Adopters, Design for Everyone Else
high-value payments, approving, Barcodes and QR Codes
history
bartering, Convenience
checks, Let’s Talk Turkey
coins, Bartering and the Birth of Currency
credit cards, Honey, I forgot my wallet
currencies, Convenience
currency, Bovines, Banknotes & Bytes
paper money, Worth
payment systems
convenience, Bovines, Banknotes & Bytes
Western civilization, Bovines, Banknotes & Bytes
host-card emulation (HCE), Google Wallet
How To menus
access to overall tutorials, Walkthroughs and Demos
hui-zi, Introducing Paper Money
paper, Bartering and the Birth of Currency
Hussein, Saddam, See Me, Touch Me, Feel Me

I

identity theft, Don’t Design for Early Adopters, Design for Everyone Else
incentives, Isis, Overall design
incorrect PIN/password entry, Security Options: m-PINs, Passcodes, and Passwords
industry security standards, Don’t Design for Early Adopters, Design for Everyone Else
infrastrcuture, NFC (near-field communication) readers, NFC Payment Apps
initiating payments, NFC (near-field communication) readers, NFC Essentials
innovations (future of mobile payments), Payments on the Horizon
Apple, Apple
emerging technologies, Facebook
biometrics, Biometrics
wearable devices, Wearable Devices
Facebook, MCX
MCX (Merchant Customer Exchange), MCX
interactions (payments), design
barcodes and QR codes, Barcodes and QR Codes
comparison of three types of interactions, Designing Successful Payment Interactions
geolocation, Putting It All Together
NFC (near-field communication) readers, Designing Successful Payment Interactions
time and effort, Designing Successful Payment Interactions
international wallets, NFC readers, Receive the payment result
interoperability, NFC (near-field communication) readers, Benefits
Iraq, currency stability, See Me, Touch Me, Feel Me
Isis, Benefits
confirmation screen, Feedback
customizing offers, Context
Help section and FAQs, Give Them a Helpful Help Section
loyalty card-plus-payment experience, Loyalty and Rewards
mobile payment PIN screen, Security Options: m-PINs, Passcodes, and Passwords
NFC readers, NFC Payment Apps
tutorial, Walkthroughs and Demos
user experience, Isis
feedback, Payments
overall design, Isis
payments, Overall design
security, Feedback
iTunes (Apple), linking user credit cards to, Apple
Iugu gestures, authorization, Security Options: m-PINs, Passcodes, and Passwords

J

Japan, mobile wallet use, A Day in the Life of a Mobile Wallet User
jiao-zi, Worth

K

Kalina, Robert, See Me, Touch Me, Feel Me
Kayak, It’s Not Just About Payments
KT’s Cashbee mobile transit app, Mobile Travel
Kuapay, onboarding, Walkthroughs and Demos

L

legal statements, Walkthroughs and Demos
Lemon Wallet, nonsecure personal data, Handling Sensitive Data
Level, balance visualizations, Budgeting
LevelUp app, Cloud
communicating customer security, Walkthroughs and Demos
How It Works tutorial, Walkthroughs and Demos
incorrect PIN/password entry, Security Options: m-PINs, Passcodes, and Passwords
pop ups and toasts, registration, Walkthroughs and Demos
start screen, The First Screen
user experience, LevelUp
feedback, Payments
overall design, Overall design
payments, Overall design
security, Feedback
light screens, barcode and QR code payments, Create big codes
Lock Wallet button, Isis, Feedback
London 2012 Olympics, Visa payWave mobile app, NFC Payment Apps
London, Oyster card, Mobile Travel
loss of device, as consumer trust concern, Don’t Design for Early Adopters, Design for Everyone Else
loyalty cards, Isis, Overall design
loyalty programs, A Mobile Shopping Assistant

M

M-PESA service (Safaricom), Anytime, Anywhere
m-PINs (mobile PINs), Security Options: m-PINs, Passcodes, and Passwords
Magnus, Olaus, Bartering and the Birth of Currency
manual authorization, geolocation payment interactions, Authorize payment easily
maps for local offers, Groupon, Discovery
MasterCard, Honey, I forgot my wallet
MasterCharge, Honey, I forgot my wallet
McNamara, Frank, Honey, I forgot my wallet
MCX (Merchant Customer Exchange)
future of mobile payment systems, MCX
merchant acceptance challenge, NFC (near-field communication) payments, Challenges
Merchant Customer Exchange (MCX)
future of mobile payment systems, MCX
Mesopotamian shekel, Bartering and the Birth of Currency
Mint, A Numbers Game
pie charts showing spending patterns, It’s Not Just About Payments
TouchID, Apple
MNOs (mobile network operators), NFC Payment Apps
mobile banking, Anytime, Anywhere
mobile contactless readers (see NFC (near-field communication) readers)
mobile network operators (MNOs), NFC Payment Apps
mobile PINs (m-PINs), Security Options: m-PINs, Passcodes, and Passwords
mobile travel, Mobile Travel
air travel, Air Travel
transit systems, Mobile Travel
money, Honey, I forgot my wallet
(see also cash; coins; currency)
artifact looks, A Numbers Game
digital money, A Numbers Game
online banking, Anytime, Anywhere
paper, Worth
paper, future of, Payments on the Horizon
worth, Anytime, Anywhere
money-saving programs, peripheral services, A Mobile Shopping Assistant
loyalty and rewards, A Mobile Shopping Assistant
offers and coupons, Offers and Coupons
context, Redemption
personalizing deals, Context
redemption, Redemption
searching for, Discovery
Moven, balance visualizations, Budgeting
mPass app (Air New Zealand), Air Travel
multifactor authentication, Benefits
MultiPasses (Fifth Element), Payments on the Horizon

N

near-field communication readers (see NFC (near-field communication) readers)
network spoofing, Benefits
Nexus S, Leading US Mobile Payment Experiences
NFC (near-field communication)
HCE (host card emulation), Google Wallet
NFC (near-field communication) readers, The Mobile Money Ecosystem, NFC Payment Apps
action buttons, Initiate a payment
benefits, NFC Payment Apps
challenges, Benefits
designing payment interactions, Designing Successful Payment Interactions
payment initiation, NFC Essentials
receiving payment result, Tap the phone on the reader
scenarios, Receive the payment result
tapping phone on reader, Initiate a payment
infrastrcuture, NFC Payment Apps
international wallets, Receive the payment result
transit systems, Mobile Travel
user experience, NFC Payment Apps
Google Wallet, Leading US Mobile Payment Experiences
Isis, Isis
Verifone, NFC Payment Apps
Nordic peoples, trading, Bartering and the Birth of Currency
notes, history of checks, Let’s Talk Turkey

O

obfuscating PINs and passwords, Handling Sensitive Data
offers, peripheral services, Offers and Coupons
context, Redemption
personalizing deals, Context
redemption, Redemption
searching for, Discovery
onboarding process
consumer expectations, Don’t Design for Early Adopters, Design for Everyone Else
first screen, Don’t Design for Early Adopters, Design for Everyone Else
walkthroughs and demos, Walkthroughs and Demos
Isis, Overall design
online banking, Anytime, Anywhere
Open & Tap payments, NFC readers, NFC Essentials, Putting It All Together
opt out, location and messaging features, Handling Sensitive Data
OS keypads (PayPal), Security Options: m-PINs, Passcodes, and Passwords
overcoming consumer mindshare
mobile app design, Don’t Design for Early Adopters, Design for Everyone Else
Oyster card (London), Mobile Travel

P

paper checks, future of, Payments on the Horizon
paper money, Worth
Costa Rican colónes, See Me, Touch Me, Feel Me
Passbook (Apple), Apple
Passbook, mobile boarding passes, Air Travel
passcode lockout feature, Google Wallet, Feedback
passcodes, mobile app design, Security Options: m-PINs, Passcodes, and Passwords
passwords, mobile app design, Security Options: m-PINs, Passcodes, and Passwords
PayByTouch, Biometrics
Payment Card Industry Data Security Standard (PCI DSS), Cloud
payment systems
convenience, Bovines, Banknotes & Bytes
future of, Payments on the Horizon
Apple, Apple
emerging technologies, Facebook
Facebook, MCX
MCX (Merchant Customer Exchange), MCX
history, Western civilization, Bovines, Banknotes & Bytes
perceived worth, Worth
peripheral services, Adding Value with Peripheral Services
conceptual mapping of content, It’s Not Just About Payments
day in the life of a user, Adding Value with Peripheral Services
feedback, It’s Not Just About Payments
mobile travel, Mobile Travel
money-saving programs, A Mobile Shopping Assistant
stability, Bovines, Banknotes & Bytes, A Numbers Game
technology approaches, The Mobile Money Ecosystem
closed loop payment systems, The Mobile Money Ecosystem, Closed Loop
Cloud-based payments, The Mobile Money Ecosystem, Cloud
NFC (near-field communication) readers, The Mobile Money Ecosystem, NFC Payment Apps
worth, Bovines, Banknotes & Bytes, Anytime, Anywhere
payments
brick-and-mortar, Let’s Talk Turkey
consumer expectations, Bovines, Banknotes & Bytes
design
barcodes and QR codes, Barcodes and QR Codes
comparison of three types of interactions, Designing Successful Payment Interactions
geolocation, Putting It All Together
NFC (near-field communication) readers, Designing Successful Payment Interactions
time and effort, Designing Successful Payment Interactions
electronic, Anytime, Anywhere
user experience
Google Wallet, Overall design
GoWallet, Overall design
Isis, Overall design
LevelUp app, Overall design
PayPal, Overall design
Starbucks app, Starbucks
PayPal, Anytime, Anywhere
fingerprint scanners, Biometrics
handling senesitive data, Handling Sensitive Data
mobile payment PIN screen, Security Options: m-PINs, Passcodes, and Passwords
payment options, Cloud
Terms of Use and privacy policies, Walkthroughs and Demos
tutorial, Walkthroughs and Demos
user experience, PayPal
feedback, Payments
overall design, PayPal
payments, Overall design
security, Feedback
walkthroughs and demos, Walkthroughs and Demos
PayPal Here, Cloud
PayPass, Leading US Mobile Payment Experiences
payWave mobile app, Visa, NFC Payment Apps
PCI DSS (Payment Card Industry Data Security Standard), Cloud
Pebble smartwatch, Challenges, Wearable Devices
Pebblebucks, Pebble smartwatch, Wearable Devices
perceived worth currency, Anytime, Anywhere
peripheral services, Adding Value with Peripheral Services
conceptual mapping of content, It’s Not Just About Payments
day in the life of a user, Adding Value with Peripheral Services
feedback, It’s Not Just About Payments
balances and transaction histories, Balances and Transaction Histories
budgeting tools, Budgeting
mobile travel, Mobile Travel
air travel, Air Travel
transit systems, Mobile Travel
money-saving programs, A Mobile Shopping Assistant
loyalty and rewards, A Mobile Shopping Assistant
offers and coupons, Offers and Coupons
person-to-person payments (Square Cash), It’s Not Just About Payments
personal data security, Handling Sensitive Data
personalizing deals, offers and coupons, Context
Pfund, Robert, See Me, Touch Me, Feel Me
pictographic records
Sumerians, Let’s Talk Turkey
PIN screen
Coinbase app, Security Options: m-PINs, Passcodes, and Passwords
Isis, Feedback
PINs, m-PINs (mobile PINs), Security Options: m-PINs, Passcodes, and Passwords
Pivo, balance timeline, Budgeting
point of sale (POS), designing payment interactions
barcodes and QR codes, Barcodes and QR Codes
comparison of three types, Designing Successful Payment Interactions
geolocation, Putting It All Together
NFC (near-field communication) readers, Designing Successful Payment Interactions
points trackers, closed loop payment systems, Benefits
polymer notes, See Me, Touch Me, Feel Me
portability, coins, Bartering and the Birth of Currency
POS (point of sale), designing payment interactions
barcodes and QR codes, Barcodes and QR Codes
comparison of three types, Designing Successful Payment Interactions
geolocation, Putting It All Together
NFC (near-field communication) readers, Designing Successful Payment Interactions
privacy
consumer trust concern, Don’t Design for Early Adopters, Design for Everyone Else
policies
Dunkin Donuts app, Walkthroughs and Demos
PayPal, Walkthroughs and Demos
private data, security, Handling Sensitive Data
progress bars, registration, Walkthroughs and Demos
progressive numeric fields, Google Wallet, Security
promissory notes, jiao-zi, Worth
Pulse Wallet, Biometrics

Q

QR codes
LevelUp app, Cloud, LevelUp
MCX (Merchant Customer Exchange), MCX
QR codes, designing payment interactions, Barcodes and QR Codes
camera guides, Create big codes
creating big code, Barcodes and QR Codes
displaying code, Barcodes and QR Codes
rapid payment feedback, Provide rapid payment feedback
scenarios, Provide rapid payment feedback
screen light and contrast, Create big codes
securing code, Barcodes and QR Codes

R

rai coins (stones), All coins, big and small
rapid payment feedback
barcode and QR code payments, Provide rapid payment feedback
geolocation payment interactions, Authorize payment easily
Ready to Pay indicator, Isis, Overall design
real-time financial data, feedback, It’s Not Just About Payments
redemption, offers and coupons, Redemption
Register app (Square), Cloud
registration, consumer expectations, Don’t Design for Early Adopters, Design for Everyone Else
first screen, Don’t Design for Early Adopters, Design for Everyone Else
walkthroughs and demos, Walkthroughs and Demos
remote ordering
PayPal, Cloud, Payments
required data fields, registration, Walkthroughs and Demos
RetailMeNot
customizing offers, Context
geofencing, Context
rewards programs, A Day in the Life of a Mobile Wallet User, A Mobile Shopping Assistant
closed loop payment systems, Benefits
Isis, Overall design
Starbucks app, Starbucks
Royal Bank of Scotland banking app, transaction history, Balances and Transaction Histories

S

Safaricom, M-PESA service, Anytime, Anywhere
Saved Offers drawer, Eureka Offers, Personalizing deals
scenarios
barcode and QR code payments, Provide rapid payment feedback
geolocation payment interactions, Provide rapid payment feedback
NFC reader payments, Receive the payment result
screen light, barcode and QR code payments, Create big codes
SCVNGR, LevelUp app, LevelUp
searching for offers and coupons, Discovery
security
Cloud-based payments, Benefits
code, barcode and QR code payments, Barcodes and QR Codes
high-profile security breaches, Don’t Design for Early Adopters, Design for Everyone Else
industry security standards, Don’t Design for Early Adopters, Design for Everyone Else
mobile app design, Security Options: m-PINs, Passcodes, and Passwords
m-PINs (mobile PINs), Security Options: m-PINs, Passcodes, and Passwords
passcodes, Security Options: m-PINs, Passcodes, and Passwords
passwords, Security Options: m-PINs, Passcodes, and Passwords
NFC (near-field communciation) readers, NFC Payment Apps
TouchID (Apple), Apple
user experience
Google Wallet, Feedback
GoWallet, Security
Isis, Feedback
LevelUp app, Feedback
PayPal, Feedback
Starbucks app, GoWallet
sensitive data, Handling Sensitive Data
Serve card, Payments
service agreements, Square Order, Walkthroughs and Demos
service providers, NFC Payment Apps
Shake to Pay feature, Starbucks app, Payments
shekel (Mesopotamia), Bartering and the Birth of Currency
Shopkick
Union Square Macy’s (San Francisco), Apple
Shopkick, loyalty programs, Loyalty and Rewards
shopping revolution, emerging technologies, Facebook
biometrics, Biometrics
wearable devices, Wearable Devices
silver, early coins, Bartering and the Birth of Currency
Simple Bank, A Numbers Game
Simple budgeting tools, Budgeting
SITA survey, mobile travel, Mobile Travel
slide-out navigation menu, Google Wallet, Google Wallet
smartwatches, Wearable Devices
Pebble, Challenges
Song Dynasty, hui-zi, Bartering and the Birth of Currency, Introducing Paper Money
Sony SmartWatch, Wearable Devices
CashTank app, Wearable Devices
South Korea, mobile wallet use, A Day in the Life of a Mobile Wallet User
speed
Cloud-based payments, Challenges
NFC (near-field communication) readers, Benefits
transaction times for various payment methods, Benefits
spending patterns, digital budgeting tools, Budgeting
spoofing, Benefits
Square
Cash, person-to-person payments, It’s Not Just About Payments
Order app, Cloud, Cloud
service agreements, Walkthroughs and Demos
Register app, Cloud
Wallet app, Cloud
stability
currency, See Me, Touch Me, Feel Me
payment systems, Bovines, Banknotes & Bytes, A Numbers Game
Starbucks app
closed loop payment system, Closed Loop
Pebblebucks for Pebble smartwatch, Wearable Devices
rewards program, Starbucks, A Mobile Shopping Assistant
tip feature, Payments
transaction history, Feedback
user experience, Starbucks
feedback, Payments
overall design, Starbucks
payments, Starbucks
security, GoWallet
start screen, onboaridng process and registration, Don’t Design for Early Adopters, Design for Everyone Else
startup time, Cloud-based payment systems, Cloud
store locators, geolocation payment interactions, Geolocation
strengths, Payments
(see also benefits)
Google Wallet
feedback, Payments
overall design, Google Wallet
payments, Overall design
security, Feedback
GoWallet
overall design, GoWallet
payments, Overall design
security, Security
Isis
feedback, Payments
overall design, Isis
payments, Overall design
security, Feedback
LevelUp app
feedback, Payments
overall design, Overall design
payments, Overall design
security, Feedback
PayPal
feedback, Payments
overall design, PayPal
payments, Overall design
security, Feedback
Starbucks app
feedback, Payments
overall design, Starbucks
payments, Starbucks
security, GoWallet
Suica card (Tokyo), Mobile Travel
Sumerians, pictographic records, Let’s Talk Turkey
supplementary services, handling sensitive data, Handling Sensitive Data
support (see Help section)

T

T-Money, balance display, Balances and Transaction Histories
TabbedOut, Help section, Give Them a Helpful Help Section
Tap & Go payments, NFC readers, NFC Essentials, Tap the phone on the reader, Putting It All Together
Tap on Demand payments, NFC readers, Initiate a payment, Receive the payment result
Target
Cartwheel app, coupon redemption, Redemption
store layout, Let’s Talk Turkey
technical challenges, adopting mobile payment apps, Don’t Design for Early Adopters, Design for Everyone Else
technologies, emerging, Facebook
biometrics, Biometrics
wearable devices, Wearable Devices
technology approaches (payment systems), The Mobile Money Ecosystem
closed loop payment systems, The Mobile Money Ecosystem, Closed Loop
benefits, Closed Loop
challenges, Challenges
Cloud-based payments, The Mobile Money Ecosystem, Cloud
benefits, Cloud
challenges, Benefits
NFC (near-field communication) readers, The Mobile Money Ecosystem, NFC Payment Apps
benefits, NFC Payment Apps
challenges, Benefits
infrastrcuture, NFC Payment Apps
Verifone, NFC Payment Apps
Terms of Use statements
Dunkin Donuts app, Walkthroughs and Demos
PayPal, Walkthroughs and Demos
time
startup time, Cloud-based payment systems, Cloud
transactions, payment methods, Benefits
time, designing payment interactions, Designing Successful Payment Interactions
tip feature, Starbucks app, Payments
Tokyo
Suica card, Mobile Travel
tools for budgeting, peripheral services, Budgeting
TouchID (Apple), Apple
trading
history, Convenience
Nordic peoples, Bartering and the Birth of Currency
transaction history
Coinbase, Give Them a Helpful Help Section
Facebook Cards, Facebook
PayPal, Payments
peripheral services, Balances and Transaction Histories
Starbucks app, Feedback
transaction outcomes, NFC readers, Receive the payment result
transaction times, payment methods, Benefits
transit systems, A Day in the Life of a Mobile Wallet User, Mobile Travel
travel, peripheral services, Mobile Travel
air travel, Air Travel
transit systems, Mobile Travel
trust, building trust with consumers, Don’t Design for Early Adopters, Design for Everyone Else
categories important to consumers, Don’t Design for Early Adopters, Design for Everyone Else
handling sensitive data, Handling Sensitive Data
Help section, Give Them a Helpful Help Section
onboarding process and registration, Don’t Design for Early Adopters, Design for Everyone Else
security options, Security Options: m-PINs, Passcodes, and Passwords
m-PINs (mobile PINs), Security Options: m-PINs, Passcodes, and Passwords
passcodes, Security Options: m-PINs, Passcodes, and Passwords
passwords, Security Options: m-PINs, Passcodes, and Passwords
trusted service managers (TSMs), NFC Payment Apps
TSMs (trusted service managers), NFC Payment Apps
tutorials, Walkthroughs and Demos

U

Uber app, registering progress indicator, Walkthroughs and Demos
Union Square Macy’s (San Francisco), Shopkick points, Apple
unique wallets, MCX, MCX
UNIQUL facial recognition technology, Biometrics, Biometrics
Unisys Security Index, Don’t Design for Early Adopters, Design for Everyone Else
United Airlines app, mobile, Air Travel
unlocking devices, biometrics, Biometrics
US mobile payment experiences, Leading US Mobile Payment Experiences
closed loop payment systems
GoWallet, GoWallet
Starbucks app, Starbucks
Cloud-based payment systems, PayPal
LevelUp, LevelUp
PayPal, PayPal
NFC (near-field communication) readers
Google Wallet, Leading US Mobile Payment Experiences
Isis, Isis
user experience, Leading US Mobile Payment Experiences
closed loop payment systems
GoWallet, GoWallet
Starbucks app, Starbucks
Cloud-based payment systems, PayPal
LevelUp, LevelUp
PayPal, PayPal
mobile app design, Building Trust into Mobile Payments
building trust with consumers, Don’t Design for Early Adopters, Design for Everyone Else
handling sensitive data, Handling Sensitive Data
Help section, Give Them a Helpful Help Section
onboarding process and registration, Don’t Design for Early Adopters, Design for Everyone Else
overcoming consumer mindshare, Don’t Design for Early Adopters, Design for Everyone Else
security options, Security Options: m-PINs, Passcodes, and Passwords
NFC (near-field communication) readers, NFC Payment Apps
Google Wallet, Leading US Mobile Payment Experiences
Isis, Isis

V

value-adding services (peripheral services), Adding Value with Peripheral Services
conceptual mapping of content, It’s Not Just About Payments
day in the life of a user, Adding Value with Peripheral Services
feedback, It’s Not Just About Payments
balances and transaction histories, Balances and Transaction Histories
budgeting tools, Budgeting
mobile travel, Mobile Travel
air travel, Air Travel
transit systems, Mobile Travel
money-saving programs, A Mobile Shopping Assistant
loyalty and rewards, A Mobile Shopping Assistant
offers and coupons, Offers and Coupons
Venmo app
communicating customer security, Walkthroughs and Demos
entering incorrect PIN/password, Security Options: m-PINs, Passcodes, and Passwords
Help sectionand FAQs, Give Them a Helpful Help Section
required data fields, Walkthroughs and Demos
Verifone, NFC transactions, NFC Payment Apps
Visa, Honey, I forgot my wallet
Visa payWave mobile app, NFC Payment Apps
visual feedback of data entry, handling sensitive data, Handling Sensitive Data
Vodafone SmartPass, Benefits
voice passphrases, authenticating mobile devices, Biometrics

W

walkthroughs, onboarding process and registration, Walkthroughs and Demos
weaknesses, Biometrics
(see also challenges)
biometrics, Biometrics
Google Wallet
feedback, Feedback
overall design, Overall design
payments, Payments
security, Security
GoWallet
feedback, Feedback
overall design, GoWallet
payments, Overall design
security, Security
Isis
feedback, Feedback
overall design, Overall design
payments, Payments
security, Security
LevelUp app
feedback, Feedback
payments, Payments
security, Security
PayPal
feedback, Feedback
overall design, Overall design
payments, Payments
security, Feedback
Starbucks app
feedback, Feedback
payments, Payments
security, Feedback
wearable devices, Wearable Devices
Google Glass, Wearable Devices
smartwatches, Wearable Devices
Wedbush Securities survey results, Benefits
Western civilization, history of payment systems, Bovines, Banknotes & Bytes
Westpac Bank, CashTank app for Sony SmartWatch, Wearable Devices
Whole Foods, NFC reader, Challenges
Wi-Fi network spoofing, Benefits
worth
payment systems, Bovines, Banknotes & Bytes, Anytime, Anywhere
perceived worth, Anytime, Anywhere

Y

Yap (Western Pacific), stone exchange, All coins, big and small
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