INNOVATION WITH      MOBILE PAYMENTS               TIM MESSERSCHMIDT               Developer Evangelist               @Ser...
Content1.    How payments do look like2.    How to ease that3.    Payment Innovation4.    Help?!Slides: http://bit.ly/QnXc...
Payment scenario                 Item /               Service /             Virtual good Buyer                      Seller...
Payment scenario•     Get transaction details      •  Shipping address      •  Receiver      •  Payment amount (costs)    ...
Payment scenario•     Get transaction details      •  Shipping address      •  Receiver      •  Payment amount (costs)    ...
Payment scenario•     Get transaction details      •  Shipping address      •  Receiver      •  Payment amount (costs)    ...
Payment scenario•     Get transaction details            •  Payment processing      •  Shipping address                   ...
Payment scenario•     Get transaction details            •  Payment processing      •  Shipping address                   ...
Payment scenario•     Get transaction details            •  Payment processing      •  Shipping address                   ...
Payment scenario•     Get transaction details          •  Payment processing      •  Shipping address                  •  ...
11	  
Requirements:         Safety   Simplicity              Velocity                                 12	  
New button law•  Introduced: 1st August 2012•  Regulates the visibility of payment   agreements & buttons in eCommerce•  M...
SOLUTIONS             14	  
Mobile Payments Library•  Supports both Android and iOS•  Based on our Adaptive Payments API•  Supported payment types:  –...
Code1. Initialize the library                             16	  
Code2. Create a Payment3. Let the library handle it..                                  17	  
Examples•  MoneyBeam  –  Uses NFC to request transactions  –  https://github.com/SeraphimSerapis/GADC-MoneyBeam•  YardSale...
Mobile Express Checkout•  Magic happens in a WebView  –  Payment flows uses redirects to enable     payment at PayPal’s sit...
Advantage•  Reuses existing implementations•  Most of the logic can be shared between   different platforms•  Mobile optim...
PayPal Access•  Utilize PayPal to login•  Uses OAuth 2.0 & OpenID•  Enables to speed up the process  –  No need to setup y...
INNOVATION              22	  
•  Host virtual goods with Dropbox•  Pay them with PayPal                    Check sellboxhq.com for more information 23	  
QRShopping
PayPal Here• Kreditkarten• Check-ins
Useful links•    x.com/mobile – General overview•    paypal.com/dts – Developer Tech Support•    devportal.x.com – Applica...
Help! Contact?•  Twitter:  – @PayPalEuroDev  – @SeraAndroid•  Mail:  – tmesserschmidt@paypal.com                          ...
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mobilecamp Hamburg

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This talk was held at the mobilecamp in Hamburg at the 4th of August 2012.

The topic is about driving innovations with (mobile) payments.

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mobilecamp Hamburg

  1. 1. INNOVATION WITH MOBILE PAYMENTS TIM MESSERSCHMIDT Developer Evangelist @SeraAndroid August 2012
  2. 2. Content1.  How payments do look like2.  How to ease that3.  Payment Innovation4.  Help?!Slides: http://bit.ly/QnXcsl 2  
  3. 3. Payment scenario Item / Service / Virtual good Buyer Seller Transaction 3  
  4. 4. Payment scenario•  Get transaction details •  Shipping address •  Receiver •  Payment amount (costs) •  Payment method 4  
  5. 5. Payment scenario•  Get transaction details •  Shipping address •  Receiver •  Payment amount (costs) •  Payment method•  Do a few calculations •  Shipping costs •  Taxes for different countries •  Currency conversion 5  
  6. 6. Payment scenario•  Get transaction details •  Shipping address •  Receiver •  Payment amount (costs) •  Payment method•  Do a few calculations •  Shipping costs •  Taxes for different countries •  Currency conversion•  Provide some feedback •  Error messages •  Success messages 6  
  7. 7. Payment scenario•  Get transaction details •  Payment processing •  Shipping address •  Send details to Gateway •  Receiver •  Wait for response •  Payment amount (costs) •  Handle response •  Payment method •  Fulfillment•  Do a few calculations •  Shipping costs •  Taxes for different countries •  Currency conversion•  Provide some feedback •  Error messages •  Success messages 7  
  8. 8. Payment scenario•  Get transaction details •  Payment processing •  Shipping address •  Send details to Gateway •  Receiver •  Wait for response •  Payment amount (costs) •  Handle response •  Payment method •  Fulfillment•  Do a few calculations •  Payment verification •  Shipping costs •  Fraud protection •  Taxes for different countries •  Secure connections •  Currency conversion•  Provide some feedback •  Error messages •  Success messages 8  
  9. 9. Payment scenario•  Get transaction details •  Payment processing •  Shipping address •  Send details to Gateway •  Receiver •  Wait for response •  Payment amount (costs) •  Handle response •  Payment method •  Fulfillment•  Do a few calculations •  Payment verification •  Shipping costs •  Fraud protection •  Taxes for different countries •  Secure connections •  Currency conversion •  Responsive design•  Provide some feedback •  Max 2-3 seconds •  Error messages •  Update the inventory •  Success messages 9  
  10. 10. Payment scenario•  Get transaction details •  Payment processing •  Shipping address •  Send details to Gateway •  Receiver •  Wait for response •  Payment amount (costs) •  Handle response •  Payment method •  Fulfillment•  Do a few calculations •  Payment verification •  Shipping costs •  Fraud protection •  Taxes for different countries •  Secure connections •  Currency conversion •  Responsive design•  Provide some feedback •  Max 2-3 seconds •  Error messages •  Update the inventory •  Success messages 10  
  11. 11. 11  
  12. 12. Requirements: Safety Simplicity Velocity 12  
  13. 13. New button law•  Introduced: 1st August 2012•  Regulates the visibility of payment agreements & buttons in eCommerce•  Made to protect the customer•  Affects mobile apps, too! 13  
  14. 14. SOLUTIONS 14  
  15. 15. Mobile Payments Library•  Supports both Android and iOS•  Based on our Adaptive Payments API•  Supported payment types: –  Simple –  Parallel –  Chained –  Pre-approved 15  
  16. 16. Code1. Initialize the library 16  
  17. 17. Code2. Create a Payment3. Let the library handle it.. 17  
  18. 18. Examples•  MoneyBeam –  Uses NFC to request transactions –  https://github.com/SeraphimSerapis/GADC-MoneyBeam•  YardSale –  Uses ZXing to scan QR codes –  https://github.com/zaffra/YardSale 18  
  19. 19. Mobile Express Checkout•  Magic happens in a WebView –  Payment flows uses redirects to enable payment at PayPal’s site•  Uses your backend with Express Checkout –  3 API calls need to be implemented: •  SetExpressCheckout – Set details •  GetExpressCheckoutDetails – Review the order •  DoExpressCheckoutPayment – Pay 19  
  20. 20. Advantage•  Reuses existing implementations•  Most of the logic can be shared between different platforms•  Mobile optimized –  Automatic User-Agent check•  Just a few steps 20  
  21. 21. PayPal Access•  Utilize PayPal to login•  Uses OAuth 2.0 & OpenID•  Enables to speed up the process –  No need to setup yet another account•  Easy to implement –  Just a few simple callbacks 21  
  22. 22. INNOVATION 22  
  23. 23. •  Host virtual goods with Dropbox•  Pay them with PayPal Check sellboxhq.com for more information 23  
  24. 24. QRShopping
  25. 25. PayPal Here• Kreditkarten• Check-ins
  26. 26. Useful links•  x.com/mobile – General overview•  paypal.com/dts – Developer Tech Support•  devportal.x.com – Application control •  developer.paypal.com – Sandbox 26  
  27. 27. Help! Contact?•  Twitter: – @PayPalEuroDev – @SeraAndroid•  Mail: – tmesserschmidt@paypal.com 27  

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