Zero-Effort Payments (ZEP)


October 17, 2011


The goal of Zero-Effort Payments (ZEP) is to rethink mobile payments. We are enabling a scenario in which mobile users can pay with “zero-effort”: without interacting with their smartphone or opening their wallet. Upon approaching the cashier, the user is identified based on a combination of face recognition, Bluetooth/BLT radios, and human assistance (i.e., relying on the cashier’s input to confirm the user’s identity). ZEP has been deployed at Microsoft twice: a two-deployment at TechFest 2011 and a 4.5 months deployment in Building 99.