Rabbit Earring. Contactless payment device

Sustainable Design

Sustainability Beyond “Green” KSENIA SEMIROVA

Raffles University 03.2020

2

User portrait

6

The size of technology for now

8

The security of technology

10

Sustainable aspects

12

Payment earring

16

How it works

18

Searching proportions

20

Final design

22

Payment earring.

Options for customers

27

3

4

14.2

million

71

tonnes

How might we create additional value for the payment device by offering alternative shapes and utilizing the same amount of raw materials?

5

USER PORTRAIT During the teamwork part of the project, there was conducted primary research of BTS/MRT users through the offline and online survey. Based on the results of this questionnaire, the basic portrait of the user was developed. The key findings of this research present bellow.

It became clear that the significant benefit of using BTS for a person is saving time and avoiding traffic jams. Also, it was discovered that a transportation card as an item in the pocket (or a piece of plastic) has little to no value for a person.

In other words, the card is perceiving as something practical. In this case, as far as no system can exclude a card from

WHO

WHAT

Young professional 25-35 years old

Using mostly BTS, rarely MRT to ride to

who permanently living and working in

work from home and back.

Bangkok, but often not originally local.

Knows that railway transportation is Probably get higher education or better.

Can be both — men & women.

6

better for the environment.

the chain (at this period), it seems logical to think about how to make this product valuable for passengers. One of the ways to add value to this item is promoting a new payment object as a symbol of sustainability, which corresponds to the modern social trends. This could be both a better way of using 5g of plastic (the weight of any plastic card) and supporting and local manufacture that can produce a distinctive accessory.

WHY

HOW

Using BTS as the fastest (and probably

Most of the time, using Rabbit Card to

cheapest) way to get to the needed

pay for trips. Sometimes also using an

destination. Do not want to waste time

MRT transport card.

on traffic jams, but not happy about the crowd in BTS.

The card has little to no value for the user. Usually, it is placed on clothes pocket, not into the wallet.

7

THE SIZE OF TECHNOLOGY

FOR NOW

Card and chip module with separate, inductively coupled antennas

(b) chip module with integrated antenna

(a) card with inductively coupled chip module

(c) card antenna (d) stacked layers of chip module and embedding in card

8

Roland, M. and Hรถlzl, M., 2015. Evaluation Of Contactless Smartcard Antennas. [ebook] University of Applied Sciences Upper Austria, p.27.

Available at: <https://arxiv.org/ftp/arxiv/papers/1507/1507.06427.pdf>.

7.6mm

180mm

One of the limitations that can affect the design development is the size of existing contactless technology. In other words, is it possible to install it in the device that is not a card? These days, dimensions of the contactless chip are around 7.6 mm, which is relatively small. Also, on the example of Moscowâ&#x20AC;&#x2122;s metro experience, it is seen that such technology can be installed into any little accessory.

9

THE SECURITY OF TECHNOLOGY

Security using biometrics

Step 1:

A cardholder dips or taps* the card at a chip-enabled terminal –

while holding their thumb onto the built-in sensor on the face of the card

Step 2: The cardholder’s fingerprint image is compared against the stored biometric images within the card

Step 3: Issuer receives chip data which indicates whether the biometric authentication was successful or failed. If matching is not possible, the cardholder will be asked to enter an alternate cardholder verification method like PIN or signature which the merchant will handle as they do today *At the time of this document’s release, Mastercard Biometric Cards are only available for contact payments.

10

Mastercard.us. 2020. Biometric EMV Card By Mastercard | EMV Card With Fingerprint Reader. [online] Available at: <https://www.mastercard.us/ en-us/merchants/safety-security/biometric-card.html>.

AROUND HALF OF BUSINESSES IN ASIA-PACIFIC ARE ACTIVELY IMPLEMENTING ADVANCED AUTHENTICATION OR FRAUD MANAGEMENT SOLUTIONS OR HAVE THEM UNDER CONSIDERATION.

THE MAJORITY OF CONSUMERS IN THAILAND IS WILLING TO SHARE THEIR PERSONAL DATA WITH ORGANIZATIONS, ALTHOUGH ONLY A SMALL SHARE DOES SO VERY WILLINGLY

2019. Experian Identity And Fraud Report Asia-Pacific Edition. [pdf] Experian, pp.7-14. Available at: <https://www.experian.in/>

11

SUSTAINABLE ASPECTS The usage ratio of various types of public transport and the level of satisfaction with the service

1,229,000

Boats

10%

per day

Rai lway Transpor tation

55% Buses

35% BTS + MRT dai ly Ridershi p

12

14min 30min Ekkamai

Udom Suk

from BTS/MRT passengers

Othe r Twic e More

Don't care No

Yes

38baht 214baht Ekkamai

Udom Suk

158

14g

place for card

per passenger/ kilometer

CO2 emissions

money-saving

short distance

time-saving

short distance

private cars and public trains

The feedback

sustainable awareness

and CO 2 emissions between

frequency of use

Comparison of time, cost

Other

Clothes pocket

YES

it’s faster Wallet

88%

respondents

158g

think

The amount of raw material spent on t he payment cards production, and quantity o f cards in circulation on the local market

BTS Gross margin

13

A smartphone is the only device for entertaining for a person while traveling in BTS. Today, it is not only the tool to communicate but the accessory for self-expression. Still, a traditional accessory is preforming this function for a long time. The idea is to combine classic garments such as earrings with modern technology and add practical functionality to it.

The idea of earrings looks a bit radical at first sight. For local society, earrings seem more like traditional women accessory. There was observed that young men are also wearing such type of decoration, probably not so often than women.

Still, watching

these days local advertisement in both fashion magazines and on the streets, the men with earrings can be noticed more often. Thus, it can be concluded that such a visual reference will probably be adopted by society soon.

It is clear that the offered idea is mostly a concept. It aims to show the

opportunity

to

BTS

that

keychains of wallets are not the only option to provide alternative devices for payment systems.

14

15

PAYMENT EARRING The more sustainable alternative for public transportation payment

16

• SAVING TIME The payment process becomes a bit faster due to touching the earring instead of searching the card in the pocket and tapping it to a turnstile.

• PROVIDING SAFE PAYMENT The money on the account is safe due to the system requires biometry.

• INCREASING THE VALUE OF THE PAYMENT ITEM The earring is a personal accessory that shows the distinctiveness of a person.

• USING RAW MATERIAL THOUGHTFULLY The weight of earring is around 5 grams or less. It is the same amount of material for producing a payment card that usually has no value to its owner.

• GIVING FUN!

17

HOW IT WORKS STEP 1:

Payment process

Put on the earring.

STEP 2: Approach the turnstile at a distance of at least 20 cm, i.e. as close as possible.

STEP 3: Press the back-side of the earring with your thumb or forefinger. The sound will indicate that the transaction has occurred.

STEP 4: Pass through the turnstile.

18

Top Up process

1.

2.

1.

Light (LED) indicator

2.

Front side with the account number

3.

Magnets

4.

Backside with the fingerprint scanner

The Front Side of the earring contains the account number that can be used

3.

to top up the payment balance.

After buying the earring, a user needs

4.

to register the provided account number in the Line app or/and any Mobile banking app once. Thus, there is no need to use a cashier.

19

SEARCHING PROPORTIONS

1.

20

2.

3.

4.

21

FINAL DESIGN

22

23

24

25

26

PAYMENT EARRING. OPTIONS FOR CUSTOMERS 100

400

thb

5000

thb

Product

Payment earring

Product

Payment earring

Product

Payment earring

Design options

Classic earring and magnet clip

Design options

Classic earring and magnet clip

Design options

Classic earring and magnet clip

Color options Material Price

Orange Bioplastic 100 thb

Color options

Silver

Color options

Material

Silver

Material

Price

Selling in each BTS/MRT stations.

Also can be a reward for customers who made specific amount trips during a certain time.

Market

Packaging

Young public transportation users, including schools & universities students.

Also tourists.

400 thb

Price

Selling only in special BTS/MRT gift shops.

Market

Packaging

Young public transportation users who have a regular income.

Also tourists.

Recycled cardboard

thb

Gold 14k Gold 5000 thb It can be a gift for individual personas.

Not available in the consumer’s market regularly.

Market Packaging

Executives & celebrities Premium jewelry packaging

Recycled cardboard

27

KSENIA SEMIROVA kseniasemirova@gmail.com

Raffles University 03.2020