Challenge Overview
Challenge Objectives
In this challenge, we are looking for ideas or POC(s) for the following expectations for our new project:
- Explore the best method/technology/feature of contactless payment where there are challenges with the network, like using satellite internet connection, for iOS and Android devices.
NOTE: This is the first challenge for very big projects and there will be numerous challenges throughout the year. So please start from now to get the easy start with ideation challenge.
Project Background
The objective is to build an sdk for the Loyalty Payment Card(LPC) for our client. This sdk will be used by LPC’s clients to build the LPC mobile app. Using this mobile app the passengers can make the payments using the virtual card and can get the loyalty points.
So the sdk will provide all required functionalities from authentication to payment processing, reward management etc.
How will be final application work?
Consider, this sdk is used to build a mobile app for a hotel. The app will be downloaded by the customers on their smartphone. They will create an account and app need to verify “Know Your Customer” (KYC) using some third party service provider. Once KYC is confirmed, they will get the verified account. We will create a prepaid Virtual Card, which will be used for payment. Now, whenever customer buys anything within the hotel, they will be able to pay with this app, they can get some reward points(loyalty points) which they can redeem to purchase other service/goods. This mobile app will provide an easy way to purchase items using contactless payment method.
What are we trying to build?
We are building a mobile sdk to build wallet mobile app with loyalty program included. We will be continuously adding other modules in this sdk. In this challenge we are looking for ideas on for our sdk and find the best method/technology/feature of contactless payment from iOS and Android devices.
Technology Stack
iOS & Android
Individual requirements
Contactless payment
Goal: identify the best way to build the next level contactless payment for both iOS/Android
- Explore options for making contactless payments on iOS/Android devices.
- If NFC, what NFC features in iOS 13 can be exploited on iOS device for building payment and wallet applications? Acceptance Criteria: [Describe the features of NFC in iOS 13, and how we might use these from an app written in React Native (for example). What are the limitations on language/technology stack choices for a mobile app on iOS 13? ]
- What technologies can be used to make contactless payment from iOS/Android devices? E.g. NFC would be one. Acceptance Criteria: [Describe each technology and specifically how each technology would be integrated with a mobile app written in React Native (for example) on both iOS and Android devices. What are the limitations on language/technology stack choices for a mobile app with each technology on both iOS and Android?]
- Explore how third party Payment service providers(PSP) could be used with above technologies you have identified to make POS terminal payments
- e.g. if we use NFC, how can we use with Payment service providers using new mobile wallet and make payments at POS terminals. Acceptance Criteria: [Describe the feasibility study of integration making it very native experience for payment. Also, check if app written in React Native(for example) has any limitations or not?]
- Can an Apple user choose to pay with another wallet other than ApplePay?
- Validate whether Apple supports other wallets other than ApplePay? Acceptance Criteria: [Does Apple support other Wallets and contactless payment on iOS other than Apple Wallet/Apple Pay - Yes/No?]
- What technology(NFC/BLE/QR Code) can another wallet use on iOS devices? Acceptance Criteria: [Describe what payment technologies are available in a custom wallet outside of Apple Wallet, and list the pros/cons of each]
Review
The review will be done by internal team with subjective scorecard.
Final Submission Guidelines
Please submit the following
- A word document explaining the individual requirements with references as much as possible. You can use the submission format here but feel free to customize if you have better way to present.
- Proof of Concept(s) on above requirement(if possible), optional requirement.