February 22, 2009 at 8:23 pmInternet check: convenient payment for goods and services on the Internet
Online shopping is difficult for most buyers the first step: e-wallets, accounts, cards and the like. There is an urgent need to simplify for the buyer the conversion of cash into payment.
As a solution, we propose the use of an "Internet check", in the form similar to a license key, and by payment method - replenishment of a mobile phone account.
The buyer receives a special key from the online store (in the form of 1234-5678-9012-3456). This key is entered by him into one of the payment terminals of mobile phones. After that, the device is fed in cash and the buyer’s actions end there.
These actions can be overpowered by a very wide audience - almost all owners of mobile phones who can replenish the balance of their phone.
The buyer places an order in the online store. As a means of payment, he chooses "Internet check, payment through the terminal."
The buyer is provided with a payment code of the form 1234-5678-9012. In addition to the code, an FAQ is provided, which it can print. It describes on one sheet how to find terminals, where to enter this data, and more.
Having found the terminal, the user sees the following picture:
At this point, you need to stop and carefully study the outline of the interface. It must be just that - as simple as possible and not requiring unnecessary movements from the user. 1) Choice of a payment system; 2) Enter a numerical code; 3) Cash deposit; 4) Thank you, free.
The developers of the system are given a simple API in a friendly manner. By sending a simple POST request in which transaction data is transmitted (seller, amount, name of goods / service [, buyer's mobile phone for delivery]), the seller’s website receives the transaction ID, which becomes the key.
Bonuses are also possible:
The provider (owner of the payment system) needs to make every effort to keep the solution as much as possible from the point of view of the buyer in that elementary simple form, as formulated above. The rest of the developers and sellers are ready to forgive.
This payment technology can significantly lower the entry threshold for e-commerce. If today one in ten can pay for a purchase on the Internet, then with the help of this system - quite every second.
We did not take into account various legal nuances: such as anti-money laundering laws, etc. Also, we did not investigate already existing possible solutions and developments on this topic. We welcome comments from experts.
This article was written with the aim of launching a discussion of representatives of e-commerce on the topic of online shopping payment mechanisms. We hope that one of the payment systems implements a convenient system of receiving money from the population. And there will be happiness on our street.
Text - genie and garex
As a solution, we propose the use of an "Internet check", in the form similar to a license key, and by payment method - replenishment of a mobile phone account.
Essence of the decision
The buyer receives a special key from the online store (in the form of 1234-5678-9012-3456). This key is entered by him into one of the payment terminals of mobile phones. After that, the device is fed in cash and the buyer’s actions end there.
These actions can be overpowered by a very wide audience - almost all owners of mobile phones who can replenish the balance of their phone.
Decision, from the point of view of the buyer
The buyer places an order in the online store. As a means of payment, he chooses "Internet check, payment through the terminal."
The buyer is provided with a payment code of the form 1234-5678-9012. In addition to the code, an FAQ is provided, which it can print. It describes on one sheet how to find terminals, where to enter this data, and more.
Having found the terminal, the user sees the following picture:
At this point, you need to stop and carefully study the outline of the interface. It must be just that - as simple as possible and not requiring unnecessary movements from the user. 1) Choice of a payment system; 2) Enter a numerical code; 3) Cash deposit; 4) Thank you, free.
Solution, from the point of view of the seller
The developers of the system are given a simple API in a friendly manner. By sending a simple POST request in which transaction data is transmitted (seller, amount, name of goods / service [, buyer's mobile phone for delivery]), the seller’s website receives the transaction ID, which becomes the key.
Bonuses are also possible:
- payment instructions in print-and-ready format,
- terminal map using the geoip approach.
The solution, from the point of view of the provider
The provider (owner of the payment system) needs to make every effort to keep the solution as much as possible from the point of view of the buyer in that elementary simple form, as formulated above. The rest of the developers and sellers are ready to forgive.
Summary
This payment technology can significantly lower the entry threshold for e-commerce. If today one in ten can pay for a purchase on the Internet, then with the help of this system - quite every second.
We did not take into account various legal nuances: such as anti-money laundering laws, etc. Also, we did not investigate already existing possible solutions and developments on this topic. We welcome comments from experts.
This article was written with the aim of launching a discussion of representatives of e-commerce on the topic of online shopping payment mechanisms. We hope that one of the payment systems implements a convenient system of receiving money from the population. And there will be happiness on our street.
Text - genie and garex