Internet check: convenient payment for goods and services on the Internet
Internet purchases for most buyers are difficult 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 a form similar to a license key, and in the form of payment - to replenish a mobile phone account.
The buyer receives from the online store a special key (in the form of 1234-5678-9012-3456). This key is entered by him in one of the payment terminals of mobile phones. After the device is fed with cash and the buyer’s actions end there.
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These actions can be mastered by a very wide audience - almost all mobile phone owners who know how to 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 given a payment code of the form 1234-5678-9012. In addition to the code provided FAQ, which he can print. It lists on one sheet how to find terminals, where to enter this data and so on.
Having found the terminal, the user sees the following picture:
In this place you need to stop and carefully study the outline of the interface. He must be just that - as simple as possible and not requiring unnecessary movements from the user. 1) The choice of payment system; 2) Enter a numeric code; 3) Depositing funds; 4) Thank you, free.
Developers in the system are given a simple API on a friendly basis. By sending a simple POST request in which the transaction data is sent (seller, amount, product / service name [, customer’s cell phone for delivery]), the seller’s website receives the transaction ID, which becomes the key.
Bonuses are also possible:
The provider (the owner of the payment system) needs to exert maximum efforts in order to preserve the solution from the point of view of the buyer in that elementary simple form as it was formulated above. The developers and sellers are ready to forgive the rest.
This payment technology can significantly reduce the entry threshold for online trading. If today every tenth person 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: like 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 starting a discussion of Internet commerce representatives on the topic of online payment mechanisms. We hope that someone from the payment systems implements a convenient system for receiving money from the public. And there will be happiness on our street.
Text - genie and garex
As a solution, we propose the use of an “Internet check”, in a form similar to a license key, and in the form of payment - to replenish a mobile phone account.
The essence of the decision
The buyer receives from the online store a special key (in the form of 1234-5678-9012-3456). This key is entered by him in one of the payment terminals of mobile phones. After the device is fed with cash and the buyer’s actions end there.
')
These actions can be mastered by a very wide audience - almost all mobile phone owners who know how to replenish the balance of their phone.
The 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 given a payment code of the form 1234-5678-9012. In addition to the code provided FAQ, which he can print. It lists on one sheet how to find terminals, where to enter this data and so on.
Having found the terminal, the user sees the following picture:
In this place you need to stop and carefully study the outline of the interface. He must be just that - as simple as possible and not requiring unnecessary movements from the user. 1) The choice of payment system; 2) Enter a numeric code; 3) Depositing funds; 4) Thank you, free.
Solution from the seller’s point of view
Developers in the system are given a simple API on a friendly basis. By sending a simple POST request in which the transaction data is sent (seller, amount, product / service name [, customer’s cell phone for delivery]), the seller’s website receives the transaction ID, which becomes the key.
Bonuses are also possible:
- instruction for payment in the format "print-and-ready"
- terminal map using geoip-approach.
The solution from the point of view of the provider
The provider (the owner of the payment system) needs to exert maximum efforts in order to preserve the solution from the point of view of the buyer in that elementary simple form as it was formulated above. The developers and sellers are ready to forgive the rest.
Summary
This payment technology can significantly reduce the entry threshold for online trading. If today every tenth person 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: like 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 starting a discussion of Internet commerce representatives on the topic of online payment mechanisms. We hope that someone from the payment systems implements a convenient system for receiving money from the public. And there will be happiness on our street.
Text - genie and garex
Source: https://habr.com/ru/post/52576/
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