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Kimmo Huosionmaa
One of the most simple applications, what can revolutionize payment process is missing. This application would make the mobile telephone "easy to use" for payments, and it's so easy, that nobody ever thinks about it. This is the application, what makes QR-code on the screen, and after the customer has used self-service cash, would this person just open the application and read the QR-code with the same tool, what is used to read the codes from the products.
This application might give advanced security because it could be made that way, that it uses fingertip recognition in this process. In this case, the fingertip detector would confirm that the telephone is in the right hands, and then the customer would read the QR-code, and after that, the payment would be moved in the phone bill, and that kind of applications would allow leaving the wallet to the home. The security in those devices is much better than old ones, and that makes them safe.
Of course, there would find the persons, who want to use cash, but this would be the nice new way to use the mobile telephone. This could also allow using new ID-card application, what would tell if the person, who uses mobile telephones "virtual ID-card" is the person, whose picture is on the screen. So that kind of software could be the future of the mobile payment, and they are so easy to use, that they could be the similar group of users with the modern payment applications.
QR-codes are easy to use, and there is nothing mystical in those things. They could be changing every time when this application is in use, and the system could ask from the mobile telephone, that the thing, what is used is the mobile telephone. This eliminates the change to use pictures for that purpose. This means that the system would take the connection to that phone, and make sure, that this particular phone uses application.
Picture I
https://www.lg.com/us/images/cell-phones/md05603107/gallery/k373_medium_01.jpg
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