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The “jigsaw puzzle credit card” is the new ultimate invention in credit card security. Refuse to get a new corporate credit card if it doesn’t come with this incredible feature!

Background:

Credit cards are a popular payment method, especially for business transactions.

The issue:

Sometimes, high-value business transactions require the approval of more than one person.

Additionally, if a credit card is lost or stolen, someone will have to meticulously verify that no fraudulent transactions were made on it, which can be very time-consuming!

Proposal:

Both of these problems, and more, can be solved by physically cutting the credit card up into multiple pieces.

Each piece would be held by a different individual, and the card would need to be re-assembled (like a jigsaw puzzle, as in Figure 1) prior to any transaction.

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Fig. 1: This card can be disassembled into four pieces, all of which would be required in order to either use the chip or read the complete credit card number.

With this “jigsaw puzzle credit card” system, any transaction will be physically impossible without getting the approval of all card-piece holders, thus removing the need for complicated reimbursement systems involving people signing off on business expenses.

As an added benefit, if only a subset of the credit card pieces are stolen, the card will become unusable and the thief will be unable to make any unauthorized transactions.

This would be useful for both business travels and individual users who were, say, traveling to a foreign country with their friends or family.

Conclusion:

It would be possible to make cards in many different styles: for example, a card could be split into only two pieces, or as many as 8 or so before it started becoming impractical.

PROS: Facilitates commerce! Also works with debit cards, ATM cards, library cards, etc.

CONS: Each piece’s unusual shapes would make it difficult to fit into a wallet. Perhaps each piece could be slotted into a plastic “dummy” credit card, thus maintaining wallet compatibility.

Prism glasses will improve your posture! Never hunch over your laptop like some kind of Quasimodo again!

Background:

Since laptops are so convenient and portable, many people work in locations that are not set up for long-term ergonomic comfort (for example, dining room tables or coffeeshop counters, e.g. Figure 1).

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Fig. 1: A setup like this is a common work environment, despite its presumably questionable OSHA rating.

The issue:

Since these locations were never designed for laptop use, they are typically set up in such a way that the laptop keyboard and screen are way too low, and you often see people hunching over their laptops in ridiculous fashion (Figure 2).

 

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Fig. 2: This highly dubious pose is the common reality of laptop use in non-optimal situations, and is, additionally, an affront to the human form. People tend to blame themselves for having “bad posture,” but really it’s an inescapable element of such a work environment.

Ideally, people imagine that they would sit up straight, as shown in Figure 3. But that is incompatible with the position of the computer screen.

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Fig. 3: This “ideal posture” scenario is totally unrealistic given the position of the laptop. The user will inevitably return to the situation shown in Figure 2.

Proposal:

Luckily, the fix is simple: a modified version of belay glasses, a type of prism glasses used in rock climbing that were allow wearers to look up without craning their necks.

Except in this case, the prism glasses will look down at the laptop screen, rather than up, as illustrated in Figure 4.

 

 

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Fig. 4: These “prism glasses” (in this case, actually a giant prism attached to a hat) are  suspended in such a way that the user is able to look directly at the prism, yet see the laptop screen below. The prism would presumably not actually be purple, although technically that would be an option.

Conclusion:

Since prism-based belaying glasses already exist (surprisingly, only commercially available after 2007!), laptop prism glasses are probably not totally infeasible.

It would also be possible to use a VR headset to set up something like this, but at that point you might as well just set up a proper work space.

PROS: Improve your posture!

CONS: The “sweet spot” for seeing the screen is probably extremely narrow, so any movement of the wearer’s head may move the laptop screen out of the user’s view. Additionally, even the slightest imperfections in the prism would probably make text very difficult to read.

Teachers: stop sending out antiquated elementary school report cards! Instead of assigning a row of letter grades to each student, assign a huge matrix of letters instead!

Background:

Elementary school letter grades theoretically indicate the achievement of a certain degree of competency in a subject (e.g. a fourth-grader receiving an “A” in math would have learned all of the math that a fourth-grader is expected to know).

The issue:

There are a couple of immediate problems with the way report cards present this information:

  1. There is pressure to assign a full range of grades across students; even in a theoretical world where all students in a class achieved all the expected proficiencies, there would be pressure on the teacher to further differentiate the students into “extremely proficient” (A), “basically the same but maybe missed a couple questions” (B), and “I guess mis-read a couple more questions” (C). But this is unfair to the students, who are all at more or less equivalent competency.
  2. By having the “A” and “F” be absolute maximum / minimum values, it’s unclear what competency a student actually has: a kindergartener would almost certainly get an “F” in a calculus class, but it would be easy for a reasonably competent calculus student to get that same “F” grade despite having a decent understanding of the material.

Finally, the current report card system presents knowledge as a “treadmill”: school just gets more and more difficult, until some students give up. This is not a reasonable way to depict the acquisition of knowledge, and gives an unintentional sense of futility to the whole educational endeavor.

Proposal:

Instead of just showing how the student is faring in the current grade, the proposed new style of report card is “progression based” (Figure 1): it shows how the student is doing overall, on a spectrum ranging from kindergarten all the way through Nobel-Prize-worthy research.

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Fig. 1: Here, we see a hypothetical nearly-straight-“A” report card for a third-grader. But instead of just showing “A, A, B, A, B,” this report card puts the overall amount of knowledge achieved into perspective: this third-grader would be unlikely to be able to successfully present a Ph.D. defense or obtain a Nobel Prize, so clearly there is still more knowledge that could (theoretically) be acquired.

This has at least two benefits:

  1.  It allows a student to have the satisfaction of “locking in” some progress: rather than school being an endless treadmill of increasing difficulty, it becomes obvious that skills are accumulating. This might be motivational to a student who would otherwise give up upon getting a “D” in calculus.
  2. It prevents a straight-“A” student from losing motivation by incorrectly concluding that they have learned everything in the world, just because they’ve mastered the 3rd-grade curriculum.

Implementation Detail:

Actually implementing this sort of report card has at least one difficulty: how do you assess from a 4th-grade math test whether or not a student has learned college-level math?

One possible solution would be to add a few unreasonably-difficult questions to each test: for example, in the 4th-grader’s math test, a few calculus questions could be mixed in. If the student successfully answers these, they would get an “A” in the “Intro College Math” section of their report card, but if they don’t know the answer—as expected—this will not reduce their Grade 4 letter grade.

Conclusion:

There are probably other “gamification” techniques that could be used in grade reporting to motivate students more effectively, but this would be a good start.

PROS: Since humans apparently love to see progression occur / numbers go up (as evidenced by the popularity of many mobile games and of the entire RPG genre), this “progression system based” report card would definitely be a hit.

CONS: Extremely overbearing parents would probably berate their 2nd-graders for not getting the masters-degree-level science questions right, thus making the tiger-parent experience even more stressful.

Expand the ability of your small business to collect tips using the incredible secrets of UI / UX design plus human psychology!

Background:

In the United States, certain classes of business receive a substantial amount of their total revenue in the form of tips. Restaurants are probably the most common example.

However, now that a huge fraction of transactions are done by credit card or phone, it has become feasible for additional businesses to get in on the tip-collecting process (tip-collecting tablet example in Figure 1).

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Fig. 1: A lunch truck or takeout restaurant might have a tablet like this one. If designed properly, the user interface should subtly persuade the customer to click one of the tip buttons.

For example, previously, a lunch truck might have had an anemic tip jar—obviously a repurposed peanut butter jar—with 87 cents in it. But now, that same truck can just put a button labeled “TIP: 15%” on their electronic checkout screen, and a substantial fraction of patrons will select that option.

As a thought experiment, consider how many people would tip two dollars on a $10 burrito cash transaction (very few), then compare that to the number of people who would click the “20%” button on an electronic checkout (many more).

(Please appreciate the high-quality market research that went into the preceding sentence.)

The issue:

While the best part of this system is that it allows a normally non-tip-based or non-service business to get tips, there are still stubborn holdout customers who will not include (for example) a 25% gratuity for an oil change, or when buying tomatoes at a grocery store, or when paying a traffic ticket.

But there is still a way to persuade these individuals!

Proposal:

In order to incentivize people to click the tip button (instead of just the “checkout: NO TIP” button), we can simply have a secondary screen that shows the tip amount.

People might object to this brazen attempt to shame them for not including a tip, so we will disguise it a bit by calling it an “Order Confirmation” screen, and using it to provide a customer transaction number (i.e., it is a supplement to the normal “your order is number 326, your burrito will be ready when that number is called” process).

 

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Fig. 2: Here, we see a checkout counter with the tablet from Figure 1 at the bottom, and a helpful order confirmation screen at the top, showing off a customer’s generosity to other patrons along with a reminder of their order number.

Conclusion:

People might object to having the full dollar value of their transaction visible on the “confirmation screen,” so we could potentially show only the tip percentage rather than the full value.

PROS: Increases previously-untapped revenue streams for low-margin businesses.

CONS: None!

Outrun a vicious pack of wild dogs as part of your weekly exercise routine! You won’t believe this new way to save money and promote physical fitness!

Background:

Two things that city-dwellers often require are:

  • Motivation to exercise.
  • An expensive dog-walker to walk their dog.

The issue:

Unfortunately, it’s easy to become lazy and not exercise, and dog-walkers are quite pricey! (Figure 1.)

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Fig. 1: Left: these dogs need to walk, but someone is going to have to be paid to put leashes on them and walk them around the city. What an inefficient use of resources! Right: this person needs to get some exercise (by, say, jogging), but it’s easier to just stay at home and be completely sedentary.

Fortunately, these two modern conundrums can now be solved with a SINGLE amazing plan!

Proposal:

The solution is simple: during the commute home from work, the person who thinks they should go jogging (but is too lazy to motivate themselves to do so) simply ties a dozen or so strips of bacon (or other delicious meats) to themselves.

Then, they register their commute on a ride-sharing-like web site. As the commuter walks by a dog owner’s house, the dog owner gets a text message that they should release their hounds, who will then chase the bacon-laden jogger with single-minded determination. (Figure 2.)

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Fig. 2: The pack of dogs provides ample motivation for this bacon-festooned jogger to continue running.

In this way, the pack of ravenous dogs will motivate the jogger very effectively. If the dogs are sufficiently fixated on the bacon, no leashes would even be required!

Conclusion:

The only downside is that the jogger will, at the end of their commute, need to somehow return the dogs to their owners. Fortunately, this will create a new business opportunity for an “Uber for dogs” ride-sharing company to return the dogs back to their owner: job-creation at its finest!

PROS: Increases fitness of both humans and dogs. Saves money for dog owners who previously had to employ dog-walkers.

CONS: May increase the rate of pack-of-wild-dogs-related dismemberments, which is currently at a historical low in urban areas.

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Supplemental Fig. S1: Original black-and-white drawing of this idea, perhaps for a patent application. Note the photorealistic dog at left, drawn in the style of Renaissance woodcuts. It’s hard to believe, but this was actually drawn on a modern tablet computer!

“Potemkin Maps”: Impress foreign dignitaries and out-of-town investors by following a GPS map route through a misleadingly-nice part of your city!

Background:

Phone map apps often have a few optional settings for a route, such as:

  • Avoid highways (for driving)
  • Fewer bus transfers (for public transit)
  • Avoid hills (for walking)

The issue:

Sometimes, you want drive on the most scenic route from point A to point B, without too much concern about efficiency.

For example, you might want to impress an out-of-town guest, or hide the seedier parts of a city from a visiting foreign dignitary or investor.

Proposal:

The “scenic route” to a destination attempts to route you through the highest-economic-value areas that it can find.

This method, called the “Potemkin Route” after the 1787 idea of the same name, uses the following data:

  • Tax records (to find the highest property values)
  • The police blotter (to avoid areas of high crime)
  • Elevation maps (to look for scenic views)

Then, it routes you to the optimum area to show off the most appealing areas of the region near your route (user interface mockup in Figure 1).

 

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Fig. 1: If you select both [AVOID HIGHWAYS] and [AVOID LOW PROPERTY VALUES], as the user has in this example, your route might be substantially longer.

Conclusion:

You could use this route yourself, even if you aren’t trying to impress a foreign dignitary.

PROS: Allows you to ignore the problems of your city.

CONS: Allows you to ignore the problems of your city.

Improve the grocery shopping experience by tapping into ancient hunter-gatherer instincts! You’ll never believe how much more delicious a pineapple is after you’ve tracked and hunted it for miles through the savannah.

Background:

It’s well-known that presentation affects the perceived taste of food (Figure 1). Can this be used by retailers to increase customer satisfaction?

 

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Fig. 1: Some animals, like this extremely picky snake, do not like to eat food unless it’s clearly fresh (i.e., recently alive). Top: the dead mouse meal receives only a 1-star review from the snake. Bottom: the same mouse receives a 5-star rating, simply because it’s moving.

Proposal:

In order to leverage the same instincts, we propose that all foods should be presented in grocery stores in a “natural” environment to satisfy human hunter-gatherer instincts.

In Figure 2, we show how this might work for a pineapple, which can either be shown in a sterile and unnatural environment or in a jungle-like environment that evokes the thrill of gathering an edible fruit in some ancestral jungle.

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Fig. 2: This savvy shopper is unimpressed by the non-moving pineapple, yet is excited about purchasing the exact same pineapple “straight from the tree.” This might work for other foods too, like carrots and potatoes, even though it would make no sense for them to be dangling from a tree branch.

Conclusion:

Although fruits would be the easiest products to put in a faux “natural” environment (just hang them from a plastic tree), this system could also apply to other products, such as:

  • Reach into a giant beehive while being attacked by giant plastic bees in order to obtain a box of Honey Nut Cheerios.
  • Run through the store chasing a box being pulled by a wire on an overhead track. Once you manage to grab the box and open it, you discover a delicious steak inside.
  • Hold your breath and jump into a Olympic-sized swimming pool that is chilled to a near-freezing 1º Celsius. At the bottom of the pool, you will find a treasure trove of pre-wrapped packages of salmon.

PROS: Allows humans to get back in touch with their ancient roots. Simulates a pre-civilization existence without modern amenities.

CONS: Most shoppers would probably just use an app-based service to pay “sharing economy” workers to endure the bee hives and freezing water. This has the disadvantage of making an already-harsh job even worse, while imparting no benefits on society as a whole.