Cash&Cardless Hospitality - Possible Roadmap
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Idea - Enriched Payment Data Standard

Enriched Payment Data Alliance - HeaderMany payments are done by mobile apps these days. It's an unique opportunity - to provide customers with more meaningful information than just amounts of money and automate booking of payments for SMEs and corporations.

The only necessary step is to agree on standards of enriched payment data - democratized EDI for 21th century,

Concept

Enriched Payment Data Alliance - MIddle

Idea of Enriched Payment Data Standard  - View in Miro

More details about verticals

What is necessary for that? Very "little".

So what is necessary for delivery of promised valu i.e. "Provide customers with more meaningful information than just amounts of money and automate booking of payments"?

"Almost" nothing. "Just" agree on the open data format to transfers "enriched payments data for various verticals. How it could look like? It is enough if various apps from Uber, Shell etc. will send not only the receipts in graphical form but also in a structured "open data" way.  Possible example of relevant e-mail from the petrol and charging stations:

Dear Customer

Thank you very much for using our services.

You will find the receipt attached and data for automated processing below.

Best Regards

## ENRICHED PAYMENT DATA FOR AUTOMATED PROCESSING - DO NOT CHANGE ## 

AMOUNT/CURRENCY/SUPPLIER/PROVIDER/PAYMENT ID 1 /PAYMENT ID 2 : 1300,CZK,Shell, Axigon,405000101, 2324116081
ITEM/UNIT/VOLUME: GASOLINE,L,65
CAR LICENCE/MILEAGE/UNIT: 1AP6903,125015,KM
POSITION / DATE / TIME /ZONE : 50.0876088, 14.3491173, 2019-07-08, 13:45,CET
COMPANY/ EMPLOYEE / COSTCENTER / CUSTOMER / PROJECT: Blue Ideas Ltd., Roman Ripa, 20, ,

Banks could be pretty good leaders in that. They can exploit their experiences in "Open Banking" forced by EU/EC and help their corporate clients like petrol station chains to adopt the concept as their competitive advantage.

Interested in this?

  • Would you use this service as a customer?
  • Would you use this service as supplier? From which vertical - pertron stations, hospitality, retail, others?
  • Would you use this service as bank, e-shop or ERP vendor? 
  • Under which conditions?

Super. Just...

 

Discover more about finance or other my ideas, tips, and  topics.

Roman Řípa -  Focused on innovation and market strategies at www.bluestrategy.cz  , participated e.g. in digital posters development, tried to be a citizen at www.rozpocetobce.cz showing the budgets of all municipalities in Czech Republic. and helped the SMEs in www.profirmy.eu .

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