CEN4722 HUMAN COMPUTER INTERACTIONS: Read through the assignment and prepare section a, writing down the both the information you have created and the input you have gotten from two other people. Then use the rest of the template to respond to Sections b & c of the assignment. IMPORTANT: Remember that we are doing contactless cards, not your credit or debit card that you swipe through a reader.

1. Freddy Agredo
CEN4722 – Assignment 3 Mental Models
Assignment 3 - Page 97

2. CEN4722 – Assignment 3
Instructions
Assignment 3 - Page 97
Read through the assignment and prepare section a, writing down the both the
information you have created and the input you have gotten from two other people.
Then use the rest of the template to respond to Sections b & c of the assignment.
IMPORTANT: Remember that we are doing contactless cards not your credit or debit
card that you swipe through a reader.

3. CEN4722 – Assignment 3 b
What was the same?
 The information shared with
the card reader
 The amount of times it can
be used
 The use of smartphone to
pay
 The response from the bank
and actions to help
customer
What was different?
 The maximum amount to
pay
 The smartphone method to
pay and the technology
used
 The response of the reader
unit when two contactless
cards are read at same time
Assignment 3 - Page 97

4. CEN4722 – Assignment 3 b
 What do these findings indicate?
1. People has almost the same expectations about contactless
credit cards as the regular cards used every day
2. No matter what new payment methods are coming on the
market the customers have an pretty solid idea about how to
handling their payments with credit cards
3. Technology is still a mystery and alternative methods of
payment are not very trusted and not well known or
accepted by merchants
4. People don’t trust on wireless information transmitted
Assignment 3 - Page 97

5. CEN4722 – Assignment 3 b
 How accurate are people’s mental models of the way contactless cards work?
1. They consider contactless credit cards work in the same way as
traditional cards, no matter the type of device or method used to
read them
2. The amount of times you can use the card is limitless because it is
considered as another card with new technology
3. Banks are the last barrier for bad guys, so on their minds, banks
are so concern with security and bad reviews that they absorb the
loss on money to keep customer’s business with them, even
though, those investigations go nowhere
4. Fraud possibility doesn’t affect negatively the experience of using
a contactless credit card

6. CEN4722 – Assignment 3 c
 What other ways might there be for paying for purchases instead of using cash, debit or
credit cards?
1. Store Credit
2. Bonus for previous purchases
3. Gift cards
4. Mobile payments
5. Checks
6. Money orders
7. Bank transfers
8. Bitcoins
9. Trading articles
10. Sex

7. Sources:
Richardson, Vanessa. "'Contactless' Credit Cards Spark Concerns for
Data Privacy." CreditCards.com. Bankrate Online Network, 19
Mar. 2009. Web. 30 Oct. 2015.
"How Does Bitcoin Work?" Bitcoin.org. The Bitcoin Foundation, 14
Jan. 2015. Web. 30 Oct. 2015.
"The What, Who and Why of Contactless Payments."
Smartcardalliance.org. Smart Card Alliance, 10 Mar. 2015. Web.
30 Oct. 2015.
Assignment 3 - Page 97