Brandedlogodesigns Complaints: Paying by chatbot is exciting and dangerous

In the morning chatbots could help us with the shopping, news-call and other services. This is also an opportunity and a challenge for the payment industry.

Today's smartphone use is still too complicated. Users commute between different apps and web services and try to optimize their daily lives. In this context, so-called chatbots probably have the potential to take a big step forward.

 Taking a concert tour with a friend as an example, you quickly realize how complex the organization is by smartphone today: you agree on an artist or genre by email or messenger app. Afterwards you go to the search for concerts by browser. Once you've gathered this information, you're back with your buddy. If the place and date are available, you can go to the booking website.

Now, of course, various problems can arise, such as an already booked concert on the desired date or only remaining tickets in bad places. Until now, you've been spending a lot of time, using a wide range of apps and services, and still have no concert cards in your hand, because it's going to be with specialized booking or payment apps, and if that's all it's a task done. With chatbots you can drastically reduce such sequences.

Everything in Messenger

Chatbots sit exactly where you meet users today: in Messenger. In practice, you send a chatbot to a WhatsApp or other messenger, just like a real person, and the chatbot tries to respond as best he can to a real person.

The Messenger for a ticket booking leave you no longer. And this comfort meets the Zeitgeist. Because the trend goes away from many different, to a handful of apps, where you spend more and more time.

So if you are in the messenger with friends anyway, you can stay there for other tasks. Instead of changing the app, one writes to the music-bot, which helps to find a suitable artist for a common musical taste. Then a request for concert dates and free places as close as possible and another chatbot spits out the appropriate answers. And you do not have to leave the messenger to book, because you can book directly via Chatbot Tickets - and of course pay for them.
 And that is exactly the idea behind Chatbots, which have been waiting for several messenger platforms for a few months. For the big players in the industry, Facebook, Google or Microsoft, chatbots are currently among the hottest topics, and many internetworkers are also keen to tap the huge messenger target group.

Chatbots today

The described example of the super-simplified concert ticket booking is not yet available today - Chatbots are still in the technical development at the beginning. Currently there are, for example, chatbots for the Facebook Messenger, which after entering a place the current weather data spit out or by text message pizza order.

In addition, there are already chatbots, which are available as interactive games or language courses. The Chatbots should not be confused with botnets that IT security experts have been keeping busy for years. Chatbots are called in the German somewhat bulky "Dialogprogramme"; The software consists of a simple user interface that can accept text and voice input and provide answers.

It integrates itself like a human contact in the messenger. In order for the development to be fast, Facebook and Co provide suitable software modules and interfaces. Behind the Chatbot does not always have to be the same artificial intelligence, but at least he has to recognize and react to typical dialogues. The high school is that chatbots themselves learn and keep the current context.

Anyone who inquires about an artist can then ask for concert dates in the vicinity without having to mention the artist name again. Because like a human conversation partner, the chatbot also remembers that it is still about artist xy.
The wiser Chatbots become and the more services are used by messenger, the more important the topic of payment.

Different models are conceivable: for example, you could simply deposit payment data with the messenger platform and then pay with common payment methods such as credit card or PayPal. To do this, one would have to trust only one provider, such as Facebook, Google, Microsoft and Co. the payment data, just as it is done today with AppStores. How this looks in practice, you can at least try in the US itself. There is the popular Fahrdi