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Profiling US Restaurants from Billions of Payment Card Transactions [article]

Himel Dev, Hossein Hamooni
2020 arXiv   pre-print
As proof of concept, we concentrate on restaurants and infer the cuisine types of restaurants from transactions.  ...  A payment card (such as debit or credit) is one of the most convenient payment methods for purchasing goods and services.  ...  This paper presents a framework to infer the cuisine types of restaurants from billion-scale payment card transactions.  ... 
arXiv:2009.02461v1 fatcat:hvydu75n3be2znczuqcpqllala

Perceptions in the use of technology for payments: a study of customer behavior in food and beverage sector

Nilton Gomes Furtado, Rodrigo Souza Canto, Sergio Luis Ignacio de Oliveira, Sergio Luiz do Amaral Moretti
2017 Ágora revista de divulgação científica  
Surveys indicate that, companies in Food and Beverage instries in Brazil are cautious in adoption of payment technology with the use of mobile devices.  ...  The goal of this investigation was to explore the benefits perceived on the technology adoption and the desire of use on a new technology based on mobile payment.  ...  global mobile payment market will encompass 448 million users with $ 617 billion transaction value. 1 . 1 Pre Arrival: from when costumers decide to go to the restaurant until the arrival to the restaurant  ... 
doi:10.24302/agora.v22i2.1602 fatcat:5ucm3i5uwneirclhvkqntrozua

Application of Hidden Markov Model in Credit Card Fraud Detection

Bhusari, S Patil
2011 International Journal of Distributed and Parallel systems  
An HMM based system is initially studied spending profile of the card holder and followed by checking an incoming transaction against spending behavior of the card holder, if it is not accepted by our  ...  In this paper, we show how Hidden Markov Model (HMM) is used to detect credit card fraud transaction with low false alarm.  ...  The most common method of payment for online purchase is credit card. Around 60% of total transaction was completed by using credit card [2] .  ... 
doi:10.5121/ijdps.2011.2618 fatcat:k63aq65ysfb3llmmwr2p2eljqa

Using smart cards in electronic commerce

D. Mcelroy, E. Turban
1998 International Journal of Information Management  
These cards have become very popular in Europe and Asia. Recently, the use of smart cards has expanded considerably.  ...  For example, in several countries smart cards are used as identification cards which include information ranging from health status and insurance to retirement benefits.  ...  Many large banks are exploring the use of smart card technology for electronic payments. These cards are capable of being loaded with cash values from ATM machines or even home computers.  ... 
doi:10.1016/s0268-4012(97)00040-6 fatcat:i6ilbwbusjgtpfauu2p42hlsee

Strategic Implications of an Emerging Cashless Society in the US

Salil Mehta
1999 Electronic Markets  
Thank you to Professor Harrigan and Anthony Klimas for their helpful comments during earlier drafts of this paper.  ...  Another value of payment cards is the ability and convenience of buying products and services from home.  ...  Recent hikes in ATM fees for consumers withdrawing cash (Fild 1998: 13) may be an impetus from banks to further change the purchasing profile of smaller ticket items.  ... 
doi:10.1080/101967899359319 fatcat:jkfyjejuybcq7ijovwd7vjcsb4

The Cost of Consumer Payments in Sweden

Bjorn L. Segendorf, Thomas Jansson
2012 Social Science Research Network  
At the point of sale, cash is socially less costly than debit cards for payments below EUR 1.88 (SEK 20) and credit cards below EUR 42.37 (SEK 450).  ...  The combined social cost for these payments was 0.68 per cent of GDP.  ...  transactions from card POS transactions and all card payments are in the following treated as POS payments.  ... 
doi:10.2139/ssrn.2092577 fatcat:embpgex3wve4xpnx5ng6sg2bwi

Moderating Effect of Smartphone Addiction on Mobile Wallet Payment Adoption

Bijeta Shaw, Ankit Kesharwani
2019 Journal of Internet Commerce  
The report also provides the market for various non-cash transactions based on type of payment and type of wallet.  ...  The m-wallet companies are flooded with millions of transactions and double the number of users.  ...  Non-Cash Payment Transaction Value by Type of Transaction (%), FY Breakup of Non-Cash Payment Transaction Volume by Type of Transaction (%), FY Transaction Volume of Mobile Payment (Billion), FY 2016  ... 
doi:10.1080/15332861.2019.1620045 fatcat:3wfpkgmnijavvb2euy2cukzj24

An analysis of technology applications in the restaurant industry

Muhittin Cavusoglu
2019 Journal of Hospitality and Tourism Technology  
For example, in a two-year period mobile payment transactions have reached 20% of the total transactions in Starbucks (Wester, 2013) .  ...  A tableside payment device allows customers to make their payment on-site by using their credit or debit cards and retaining their credit card information during the payment process.  ...  APPENDIX A: Letter of Permission from the Current Holder of the Data  ... 
doi:10.1108/jhtt-12-2017-0141 fatcat:5mw3buybcvgy7nepa3uamo3cxu

Investigating the Adoption of Digital Payment System through an Extended Technology Acceptance Model: an Insight from the Indonesian Small and Medium Enterprises

Mukhamad Najib, Farah Fahma
2020 International Journal on Advanced Science, Engineering and Information Technology  
Thus, 120 data were gathered using self-administered questionnaires from owners or managers of small and medium-sized restaurants in Bogor, Indonesia.  ...  On the other hand, many consumers are getting used to digital payments and demanding SMEs to facilitate their transaction processes with digital payment systems.  ...  With annual growth of 50%, the value of the online business will be up to 130 billion US dollars [12] .  ... 
doi:10.18517/ijaseit.10.4.11616 fatcat:ydd2dvplfvheflxponnwza3x44

Payment Instruments as Perceived by Consumers – Results from a Household Survey

Nicole Jonker
2007 De Economist  
The objective of the survey was to identify price and non-price features of payment instruments that can be used to stimulate the use of electronic payment cards.  ...  This finding partly explains the low usage of electronic payment cards in point-of-sale (POS) payments.  ...  The most important reasons given for using the debit card, apart from transaction speed, are lack of sufficient cash (bars, restaurants and shops) and the wish to pay exact amounts (parking meters and  ... 
doi:10.1007/s10645-007-9062-1 fatcat:sghp447r3zdsvdh6gogw2acyra

A Chip Off the Old Block or a New Direction for Payment Cards Security? The Chip & PIN Debate, Apple Pay, and the Law & Economics of Preventing Payment Card Fraud

James C. Cooper
2017 Social Science Research Network  
Several high-profile data breaches that compromised consumer payment cards information have generated high levels of public concern as well as regulatory attention and extensive litigation.  ...  In response to growing concerns about payment fraud, payment card networks in the United States have moved toward the rapid replacement of traditional magnetic-stripe payment card technology to new EMV  ...  by not having to print cash, and they also benefit from the reduction of crime and tax evasion as consumers transition away from cash payments. 41 Worldwide, billions of payment card transactions occur  ... 
doi:10.2139/ssrn.2930955 fatcat:hayqatg5sjhv3jx45b72h3vnom

Trends and Preferences in Consumer Payments: Updates from the Visa Payment Panel Study

Susan Herbst-Murphy
2015 Social Science Research Network  
More recent findings from the Visa Payment Panel Study reveal declines in cash use -a return to the long-term trend -and increases in credit card use, perhaps signaling some return of confidence among  ...  To get an update on consumers' use of the various payment methods, the PCC invited Marx to facilitate another workshop in 2014.  ...  The online channel accounted for 5 percent of the total number of purchase transactions in 2012, up from 3 percent in 2007. Credit cards are the most frequently used e-commerce payment method.  ... 
doi:10.2139/ssrn.2626502 fatcat:f2hg7d2omvd7vin4qht6kjwfti

Eating practices and diet quality: a population study of four Nordic countries

L Holm, T B Lund, M Niva
2015 European Journal of Clinical Nutrition  
It considers four case studies (in the United Kingdom, Germany, China, and the United States) pertaining to different methods of payment for goods and services, particularly with regard to mobile payments  ...  This paper examines the growth, possibilities, and limitations of mobile payments and analyzes global trends and consumer behavior across three continents (Europe, Asia, and North America).  ...  The majority of mobile transactions in China involve smaller amounts usually paid in restaurants, convenience stores, and taxis.  ... 
doi:10.1038/ejcn.2015.61 pmid:25920426 fatcat:epdwfwjleretba5uxtn5fglgki

Private Dispute Resolution in the Card Context: Structure, Reputation, and Incentives

Andrew P. Morriss, Jason A. Korosec
2005 Social Science Research Network  
, merchant acquirers, consumers, card issuers, card associations, and transaction processors.  ...  Explosive growth in credit, debit, and other card payment systems in recent years has produced a parallel growth in private dispute resolution systems based on the web of contracts entered into by merchants  ...  If a cardholder did not pay, the restaurant retained the payment from the card issuer.  ... 
doi:10.2139/ssrn.735283 fatcat:4o3qhhryingg7cf3zcx3zflev4

العوامل المؤثرة على رضاء العملاء تجاه تطبیقات الهاتف المحمول لطلب الطعام

فاتن محمد حسین, نفین محمد منصور
2020 المجلة العلمیة لکلیة السیاحة و الفنادق جامعة الأسکندریة  
"control; convenience; enjoyment; technology anxiety; perceived ease of use; usefulness; security and payment; satisfaction.  ...  The study results depict that ease of use, usefulness, security and payment were the most important factors affected on customer satisfaction.  ...  Both customers and restaurants can benefit from adopting MFOAs.  ... 
doi:10.21608/thalexu.2020.27727.1008 fatcat:q7cpr3dw2zbv5nifzubh7oddca
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