EPayments Project Final Report of Initial Project Work rnib innovation Unit
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- 3.0 Summary of issues with ePayment methods
- 3.1.3 Self-service Kiosks
- 3.1.4 Pre-paid/gift cards
- 3.1.5 Near Field Communication (NFC)
- 3.1.6 Mobile phone payment (SMS)
- 3.1.7 Mobile phone payments (apps requiring bank details)
- 3.1.8 Online transactions (Cards/Direct Debits etc)
2.3 The Transport StreamIn this stream, an attempt was made to capture any available literature around the accessibility of payment systems in the public transport sector. More information about the various reports can be found in Appendix C.
2.4 Existing StandardsWhile conducting the literature review, the project team also looked at identifying any existing standards and guidelines that are related to the accessibility of ePayment systems in all the above streams. Some of the more relevant standards are listed below.
3.0 Summary of issues with ePayment methodsSo that the top level issues related to ePayment solutions could be better understood, the project team performed a brief review of the various ePayment methods mentioned in the introduction. At this stage the findings are generated by expert opinions from either having used these methods or by performing desk based research on the different solutions. 3.1 ePayment methods3.1.1 Contactless CardsAn example of the contactless card technology being used is the VISA PayWave7. The issues associated with contactless cards can be summarised under five headings. Within these five headings are the issues which have been identified as being problematic for blind and partially sighted people.
As well as the issues mentioned above, it is likely that a contactless card will need to be reloaded with funds. This could be done in a variety of ways from going into a shop which provides this service, using a self service kiosk or using a website. Therefore when this method is considered, the recharging methods also need to be factored in as if the customer cannot add funds onto the card, it is next to useless. 3.1.2 Chip and PINAn example of Chip and PIN is the Chip and PIN machine at the Post Office. The issues associated with Chip and PIN systems are somewhat similar to those of contactless cards, however they require a greater interaction between the user and the device. Therefore this method has a larger number of issues associated with it. The issues can be summarised into five headings and are as follows:
3.1.3 Self-service KiosksAn example of a self service kiosk is the Transport for London (TfL) automated ticket machine. Self service kiosks can be simple or complex solutions depending on their design. For instance, there are several types of kiosk in use on the London Underground and these range from simple push button to select the ticket type to touch screen based solutions. Therefore the issues and challenges can vary. The issues, divided into four categories are as follows:
3.1.4 Pre-paid/gift cardsAn example of the gift cards is the boots gift card. As these cards require the user to hand them over to a cashier, the issues associated with them are restricted. However if one of these cards needs to be used with a chip and PIN machine or self service kiosk, then the issues with these cards will be combined with the issues associated with those solutions. The issues are as follows:
3.1.5 Near Field Communication (NFC)An example of where NFC is available is the Bay Area Transport system in San Francisco. Near field communication based systems are relatively new and are therefore not that widespread. However that does not mean that these systems do not have potential problems which would make using these solutions problematic for blind and partially sighted people. As there has not been any close interaction between the experts and these systems, the issues identified have been generalised. The issues have been placed into seven groups as follows:
3.1.6 Mobile phone payment (SMS)An example of SMS payment would be obtaining international calling credit. As this method relies on using a communication method rather than a specific payment method the issues mainly relate to the device being used to send the payment. As such the issues have been generalised somewhat to account for this.
Mobile phone software (general) - there are lots of potential issues
3.1.7 Mobile phone payments (apps requiring bank details)An example of this would be the Nokia Maps application when purchasing a subscription. This solution could involve an application requesting card details (such as the Nokia Maps) or involve an application which stores the card details (such as Nokia Wallet) which then interacts with other systems and applications when required. The issues of using this are generally related to the actual device being used rather than the specific payment solution. As such the issues have been generalised somewhat to account for this.
3.1.8 Online transactions (Cards/Direct Debits etc)An example of this would be buying tickets for a show. Using a card online will mean interacting with a payment/eCommerce system on an organisations website (such as Amazon) or a standard banking website or specialist payment website linked to from a website (such as RBS World Pay or PayPal). In some cases there may be an additional interaction if the website links to the MasterCard and visa verification systems (e.g. “Verified by Visa”). As there are a number of ways of making a payment and each website would have subtle differences, the issues have been generalised.
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