G:\Innovation\Projects\P44 - e-payments\3. Research\Research papers from the transport stream
Sector
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Type of technology
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Name of research
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What it covers
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Document name
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Transport
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NFC
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mFerio: The Design and Evaluation of a Peer-to-Peer Mobile Payment System
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In this paper, we present the design and evaluation of a Near Field Communication based mobile p2p payment application called mFerio which is designed to replace cash-based transactions. We first identify design criteria that payment systems should satisfy and then explain how mFerio, relative to those criteria, improves on the limitations of cash-based systems. We next describe mFerio’s user interface design and implementation, focusing on the balance between usability and security. Finally, we present the results of a two-phase user study, involving a total of 104 people, which shows that mFerio is fast, accurate, easy to use, with low cognitive load – even outperforming cash in common situations.
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NFC01.pdf
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Contactless Cards
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Mobile Payment Market and Research – Past, Present and Future
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The mobile payment market is currently under transition with a history of numerous tried and failed solutions and a future of promising but yet uncertain possibilities with contactless RFID and other new potential technologies. At this point of the development we take a look at the current state of the mobile payment market, review prior literature on mobile payment services, analyze the different factors that impact the market, and give directions for future research on this still emerging field. To facilitate the analysis, we propose a framework of four contingency and five competitive factors, and organize the contemporary mobile payment research under the proposed framework.
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CC1.pdf
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A Study Looking the Electronic Payment Market
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The aim of this paper is to make an analysis of the electronic payment market. We identified the most important characteristics of the electronic payment systems especially those mentioned by the European Central Bank. Introduction: Nowadays, in the electronic payment market, people make different payments using many different devices. The concept that is used for such devices is electronic channels [Milutinovic, 2003]. This are: fax, Internet, call centre, digital television, ATM, POS, cards (classic plastic card, chip card, card with antenna), e-mail, Internet, wireless devices (mobile phone, tablet PC, PDA, Smartphone). In addition to this, inside an electronic payment system there are many complex financial circuits. A financial circuit is the way the digital money arrives from the payer to the payee, using intermediaries like banks, financial institutions, payment organizations, payment servers’ owners and private companies. Besides, there are many payment instruments for issuing and storing e-money and different procedures to make the transactions settlement.
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CC2.pdf
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Diffusion of the ‘Octopus’ Smart Card E-Payment System: A Business and Technology Alignment
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ABSTRACT The Octopus smart card is the most popular smart card in the Hong Kong Special Administrative Region (HKSAR), China. This case study traces the strategic moves of Octopus Cards Limited (OCL) in building an e-payment system and boosting its growth from limited deployment for transport payment in the initial stages to payments for various alternative forms of business transactions such as parking meters, supermarkets, restaurants, printing services in libraries, etc. The case highlights the importance of business and technology strategies and their alignment in rapid diffusion of the Octopus smart card and its continued dominance of e-payment business in Hong Kong.
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CC3.pdf
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The 2007 EP study is part of an ongoing effort by the Federal Reserve System to measure and analyze trends in noncash payments in the United States. The 2007 EP study looked at “core” electronic payment instruments and at prepaid cards. The core study produced estimates of the transaction number and dollar value of the established payment types: debit cards, credit cards, Automated Clearing House (ACH), and electronic benefits transfers (EBTs). Like previous EP studies, it also looked at emerging payments. The prepaid card study looked at prepaid cards. In the previous EP studies, prepaid cards were discussed as part of the emerging payments section. In the 2007 EP study, data on prepaid cards were formally collected, and estimates of the transaction number and dollar value were included in recognition of their growing importance. Responses, however, were relatively low.
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CC4.pdf
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Accessible transport - market forces v human rights?
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A key element in removing discrimination against disabled people, and in providing access to jobs, schools and other activities, is transport. To achieve this, there must be accessible transport available. All the above legislative measures recognise this, and incorporate requirements for the provision of fully accessible transport systems. Again, at the European level, the recent Citizen's Network Green Paper has accessible transport systems at the heart of future European transport policy.
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CC5.pdf
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Developing an accessible transport strategy
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The purpose of this paper was to review the
Hampshire County Council's current approach to the provision of accessible transportation, identified the various ways of responding to the
travel needs of elderly and disabled people and recommended a future approach
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CC6.pdf
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Disability and transport- experience with specialised transport in Norway
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The main aim of this paper is to discuss the important issues related to the mobility of the people with some sort of disability, and what kind of accessible public transport services than can benefit the mobile of this market segment. In section 2 we clarify who are usually consider4ed as mobility handicapped and review transport services that will benefit people with mobility handicaps
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CC7.pdf
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Documentation needs translating
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Documentation needs translating
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CC8.pdf
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Identifying accessibility problems and appropriate solutions for socially disadvantaged groups
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The paper describes a detailed programme of research that was carried out in the Barnsley Dearne area of South Yorkshire, in order to identify the accessibility problems and requirements of residents (particularly those without access to a car) living in some of the most socially excluded areas of the County, and to develop – in partnership with the residents and service providers – a range of innovative and effective solutions. The objectives of this study were to develop practical solutions, customised to local circumstances, and to develop more generic methodologies that could be applied to address local accessibility problems more widely across South Yorkshire and elsewhere in the UK. The results have been fed into an Action Plan
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CC9.pdf
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Implementing smart card payment systems for transit with multiple partners: examples from Germany and the USA
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This paper highlights partnerships to implement smart card systems for transit. First, the advantages and disadvantages of cooperation among multiple transit operators within a region were considered. Then, partnerships between transit operators and providers of other types of goods and services are reviewed. Recent experiences with smart card system development and 101 implementation in the United States and Germany are presented. In each example, the complex challenges to implementation of smart card payment systems are revealed. Though new technologies open up a wide range of possibilities for various agencies to mutually address business goals, the related organizational and institutional issues can result in unforeseen and sometimes insurmountable barriers to project implementation.
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CC10.pdf
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Smart Card Data For Multi-Modal Network Planning In London: Five Case Studies
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The focus of this paper is three bus routes and two Underground stations that illustrate new information about route connectivity, intermodalism and duration of journeys, and interchange times that could be made available to transport planners using smart card data. A prototype information system covering the entire Transport for London (TfL) bus and Underground network has been developed based on this research and work is on-going to estimate a complete origin-destination matrix for the London bus network using smart card data and other sources.
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CC11.pdf
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Learning disabled people - forgotten passengers?
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This paper focus on people with severe learning disabilities accessing public transport and travelling independently. The research was commissioned by Agencies in Consortium for Education and Training (ACET), whose members come from voluntary and statutory agencies that provide education and training for people with disabilities in South and East Belfast. The project was funded by the Department of the Environment (NI), Department of Education (NI), the Training and Employment Agency and the South and East Belfast Health Trust. The project had four main research aims, one of which was: "To identify the range of variables which promote or hinder the development of independent travel for children and adults with severe learning disabilities."
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CC12.pdf
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Lessons from the use of smartcards for public transport payment in Finland
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The paper comprises a number of sections. In the next section, we outline the background of the Finnish systems that were studied in the ADEPT 1I project and compare the different institutional and technical approaches that were adopted. In the third section we summarise the results of a series of before and after studies that were carried out in each city to establish the true impacts of the systems on the operational performance of services and on passengers' attitudes and behaviour. In the final section we attempt to draw out some general lessons concerning the factors affecting the success of smartcard applications.
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CC13.pdf
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Older and disabled people’s need and valuation of traveller information in public transport
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The purpose of this work was to study the need and valuation of traveller information in public transport among older and disabled people in order to understand what traveller information is needed when planning a journey, how the need of traveller information derives from the presence of a disability and if this relates to the degree of functional limitations. The limitations of the study are that it deals with pre-journey traveller information for regional journeys (>100km) by train and bus only and that functional limitations as a result of loss of cognitive skill are not included.
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CC14.pdf
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Nationwide implementation of public transport smartcard in the Netherlands
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The primary aim of the project is to make travel by public transport services provided by the partner organisations within the consortium simpler, easier to understand, convenient to use and safer in the travel environment. The smartcard itself is of credit-card size with a built-in (non-visible) memory chip. The card system is based on contactless technology and fares collection is done automatically. For data protection, personal details and the travel data are subject to the Dutch Personal Data Protection Act. Without the prior permission of the cardholder, the information cannot be made available for other purposes other than what is originally intended and agreed.
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CC15.pdf
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Public Transport market instead of public transport planning? Experiences with end user financing in the Netherlands
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This paper reports on the achieved results of the experiment. In particular, we present the experiences of people using the Pioneers Cards, and the developments in public transport provision
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CC16.pdf
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Smartcard projects in the Netherlands
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This paper aims to present more up to date information regarding the TRIPPERPAS experiment and to describe some of the recent developments in the Netherlands.
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CC17.pdf
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Social benefits and costs of public transport chip card in the Netherlands
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no reported aims of the paper
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CC18.pdf
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The Disability Discrimination Act and public transport provision - an analysis of the act and its expected effects with reference to experience in tile USA
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This paper attempts to analyse specifically what the DDA aims to achieve in the area of public passenger transport services, how it aims to achieve it and to offer some thoughts about how successful it might be.
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CC19.pdf
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