Security Experience Research Of Mobile Payment

The development of information technology has brought many new things.As an emerging form of payment,mobile payment has developed rapidly,bringing new opportunities for the consumption of goods and services.Mobile payments are more convenient,secure and connected than traditional forms of payment.When purchasing goods or services,you can use the QR code or account number as a medium to make payments quickly.No longer need to change.The digital transaction also avoids the loss,theft and fouling of traditional currency.As an important part of digital life,Digital payment forms can be seamlessly connected to Internet life.While mobile payments are changing our way of life,their rapid development has created many security concerns,and these concerns are different in different mobile payment scenarios.Mobile payment security includes both objective security and subjective security.The former represents the security of technology and the latter refers to the perceived security of users.While technical security guarantees the availability of mobile payments,perceptual security is a key factor that really affects the user experience process.In order to explore the perceived security in the mobile payment scenario,through the literature research related to security,we determine the perception related to security,including the sense of control,trust,crisis and freedom,and define the security experience as the unity of security-related perception and specific service processes.Then from the perspective of the scene,based on the previous research,mobile payment is divided into three types: personal mobile payment,offline mobile payment and online mobile payment.Each mobile payment type contains multiple specific payment scenarios.Analyze and refine the specific scenes in the personal,offline and online types,we determine the common characteristics of the processes included in each type,and use the methods of situational interview,shadow observation,task simulation,etc.to collect security experience troubles of users.Then we use the heuristic evaluation,Delphi method and other methods to analyze the factors.On this basis,mobile payment security experience model is built.The model includes five dimensions:environment,application,service,information and security.The environment includes hardware environment and transaction environment.The applications include application design,payment evaluation and security technology.The services includeservice processes and servers.The information includes product information,transaction information,privacy information and ancillary information.The protection including transaction protection and customer service.These dimensions are interrelated and mutually influential to determine the mobile payment security experience.Based on the mobile payment security experience model,the mobile payment security experience design principles are proposed,which correspond to five dimensions: environment,application,service,information and security.And through the analysis of the example of mobile payment security experience in the fruit store on campus,the applicability of the model and design principles is verified.