Group items tagged

Within the Sensei architecture, each sensor and actuator network is conceived as an 'island' that, through an interface middleware, can be connected to the overall system and can publish data independently of the technologies they are using or the type of information involved. An island could be a home, a bus station, a car or your own personal network of smart clothing and mobile devices. From a privacy and security perspective, each user is able to control which type of information they wish to share and with whom. 

'If we are going to deploy billions of wirelessly interconnected sensors and actuators, the impact in terms of energy consumption and carbon footprint could become very significant. It is thus very important to develop sensors and actuators able to scavenge energy from their environment and communicate with ultra-low power energy consumption,' Dr Hérault says. 

Efficient sensors, operating within the Sensei architecture and coupled with technology developed in a parallel EU-funded project 'Wireless sensor network testbeds' (Wisebed), are already in the process of making their real world debut. As part of the 'SmartSantander' initiative, a follow-up project to Sensei, 12,000 devices are being deployed in the northern Spanish city of Santander over the coming year. In a first implementation they will be used to monitor available parking places and inform drivers about where there is space available, helping to smooth the flow of traffic in the city and reduce pollution. 

In this project, sensor and actuator networks will be set up in Santander to provide smart street lighting, dimming the lights to save energy when there is no one on the street, for example, and turning them up if some kind of incident or increased activity is detected. In Aarhus, the main focus will be to collect data about the water and sewage infrastructure, shape the information and use it in an intelligent and autonomous way. In Berlin, partners are working on the development of 'intelligent waste baskets' in order to optimise waste management. The Trento partners, meanwhile, are focusing on the development of intelligent water management in order to improve the utilisation of water for both drinking and energy generation in mountain areas. In Birmingham, transport infrastructure and services, including trams, buses, roads, cycle paths and walkways, will be optimised leading to streamlined transitions between modes, time saving and greater efficiency across the board. 

Today, only one in four people are willing to whip out their iPhone or Android to buy goods. What’s to blame? Security concerns top the charts at 64 percent, but an underlying reason is that 46 percent of people just see their phones as devices to call or e-mail people. Perhaps people have not yet adopted the device as a utilitarian device, and instead use it only for its base functions, and perhaps entertainment.

When Nokia launched its new Lumia 710 and 800 handsets in October, it was widely expected that these devices would be the first Windows Phones to support NFC. Nokia had all but confirmed this itself when, last year, it stated that all of its 2011 smartphones would include NFC support.

Keith Varty, Nokia’s head of apps and partnerships, stated: “We need to get a [Windows Phone] device into the marketplace with NFC capabilities, and when we do we can really start to showcase our services.”

So it looks like we’re still at the stage of NFC’s development where the best is yet to come, but with the pace of development finally accelerating across the industry, it appears that we won’t have too much longer to wait. How long Windows Phone users have to wait for NFC is a different matter - with the confirmation that the technology is already supported by the OS, the decision to launch devices with it on board now rests solely with the manufacturers.

The FLORA has built-in USB support. Built in USB means you plug it in to program it, it just shows up. No additional purchases are needed! Works with Mac, Windows, Linux, any USB cable works great. Currently the PCB comes with a mini B connector but future versions may change to microUSB. Either will work great. The FLORA has USB HID support, so it can act like a mouse, keyboard, MIDI, etc. to attach directly to cellphones. Our iPhone/iPad/Android app coming soon. The FLORA’s modules include: Bluetooth, GPS, 3-axis accelerometer, compass module, flex sensor, piezo, IR LED, push button, embroidered + capacitive keypad, OLED and more. The FLORA has a small but easy to use onboard reset button to reboot the system.

The FLORA is fabric friendly. The FLORA does not use FTDI headers (built in USB support) headers of any kind sticking out can grab and tear fabric. The FLORA has an onboard 3.3v 100mA regulator with protection schottky diode and USB fuse so that power is consistent and can power common 3.3v modules and sensors.

The FLORA has onboard polarized 2 JST battery connector with protection schottky diode for use with external battery packs from 3.5v to 16v DC in. Can be used with LiIon/LiPoly, LiFe, alkaline or rechargeable NiMh/NiCad batteries of any size.

The second half of the NFC conundrum is that there are a lot of hands reaching for the supposed pile of money that NFC payments will enable. Look at Google's announcement of the Wallet product. Or the ISIS partnership between Verizon, T-Mobile and AT&T. Google is partnering with Mastercard, CitiBank, Sprint, FirstData, Verifone, VivoTech (the NFC partner), Hypercom, Ingenico and NXP (another NFC partner). All of these large companies are going to want a slice of the pie. Where does that leave the retailers? You know, the ones that are actually trying to make money with good and services? Sadly, on the outside of the circle. The carriers are the biggest culprits, wanting to take as much as 50% of transaction revenue because it is "going over their pipes." The financial services companies will be happy taking their normal rates in the 1.75% to 3% range as long as there is a promise that more people will pay electronically (read: sans cash). Between retailers, partners and infrastructure, NFC has years to go before it will be viable for all parties involved.

What will happen in this time frame? Think about the so-called "4G" technology WiMax. The technology is already becoming antiquated with LTE and all the major carriers are working on the next version after that. Sprint is keeping a hybrid of WiMax and LTE going forward but overall it is a tech that died before it even matured. NFC may be the same. What if there are massive leaps in quantum teleportation in the next several years? Does NFC become the WiMax of the payment world?

Maturation Of Direct Carrier Billing The "I do not see myself buying a fridge with this" line comes mostly from the direct carrier folks. Direct carrier billing is the perfect area for micro-payments and payments that stem from ease of use. Think of parking. If you could pay for your parking on the street with your phone, would that convenience be worth an extra couple of cents on the dollar to you? The direct to carrier ecosystem has evolved to the point where it actually makes sense for offline and online use. Zong (acquired by eBay for PayPal integration), PaymentOne and Boku are the leaders in this space. PaymentOne has processed $5 billion in mobile payments and lets users pay with their phone numbers, validating transactions via text. Zong allows that capability as well. Payment One's "One Care" features, announced last week at CTIA, makes direct to carrier billing safe and secure. Transparency is important in mobile commerce because consumers do not really trust their phones to handle their money quite yet. The most important aspect of direct to carrier billing now is that the revenue mechanism has been flipped. It used to be that merchants only got some 40% or less of payments while the carriers and partners took the rest. Even with high margin transactions, that is unacceptable. Today, direct to carrier billing provides the merchants with more than 80% of the revenue, sometimes nearly 95%.

The Dongle World: Smartphones As Credit Card Readers Square, VeriSign and Intuit are pushing hard into the dongle department. Jumio is doing the same thing, just without the dongle. There is not much to be said about the dongle world that we have not already touched on at ReadWriteWeb outside of the notion that it is bringing easy credit card readers to the mobile masses.

The dongle competitors are not worried about what is happening in the ecosytem because it does not really touch their core business. For instance, PayPal does not see NFC or dongles infringing on its business in any way, shape or form. As Laura Chambers, PayPal's head of mobile, said in a recent interview, "we are not worried about much in the ways of competition. There is a lot of white space in the industry for horizontal movement."

What Is PayPal Really Doing? In the interview with Chambers, the first question I asked was, "Why does it seem like PayPal has become a "me too" operator in mobile payments?" It is a fair question, even if Chambers balked to acknowledge that PayPal has been in "me too" mode for the last year or so. PayPal has ignored the dongle movement and NFC is not on its radar as a technology it feels it needs to integrate. "What is the difference between a tap versus a swipe?" Chambers asked. "We are working with what works in the current infrastructure ... We have sat down with consumers and merchants to work with them on what they want." PayPal is growing sideways because there is not a ton of room right now to grow vertically. PayPal will get into NFC solutions when the time is appropriate. Its strategy now is to create as much flexibility for consumers as possible through its mobile wallet program. PayPal's stance is data driven - the company can track when and what consumers buy from mobile phones and tablets. Hence, PayPal is focusing on the shopping end of the spectrum, as opposed to a pure payments play. "60% of people buy more and spend more on mobile," Chambers said. "But, we see that people are not really buying different things on mobile ... the No. 1 driver of growth in mobile payments is boredom." That fits in well with what PayPal sees as "couch commerce." They released a study recently saying that mobile shopping is going to boom this holiday season. As such, PayPal is ready to deploy an end-to-end solution for merchants and consumers to reward loyalty and provide deals and offers along with digital receipts. PayPal believes that it has a lot of room to grow in mobile through these types of horizontal movements. We are also seeing this on a non-mobile front with eBay partnering with Facebook and the Open Graph API and the new X.Commerce initiative that consolidates the PayPal, Zong, Magento, RedLaser and Milo technologies. The company is calling it an "open commerce ecosystem."

Future Of Mobile Payments This article is the first in a series of the trends in mobile payments that ReadWriteWeb will be working on in the next several months. There are a lot of questions and the answers are just beginning to emerge. Who are the winners in the space? Are retail shops in danger of "becoming expensive fronts for online shopping," as Chambers said in the interview? Does NFC really have potential to disrupt offline payments or is it just cool technology? These questions and more are what we will be tackling in the months to come.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

Basically, via the pilot customers (for now, this only applies to PayPal employees) are able to pay for items via their PayPal account at Home Depot’s point of sale systems. They can either use a pin code via their mobile phone or a specialized PayPal credit card that can be swiped, the payment amount will be deducted from their PayPal account.

The bigger vision of brick and mortar partnerships are set to include location-based offers, making payments accessible from any device and offering more payments flexibility to customers after they’ve checked out. Users will also have the ability to access realtime store inventory, receive in-store offers, and real-time location-based advertising from stores. PayPal will also help retailers use location and transaction data to improve the experience for consumers.

As PayPal’s Anuj Nayar told us recently,  the Home Depot test program was individually established between PayPal and the big-box retailer, but in the future, PayPal is partnering with point-of-sale software companies to help expand the in-store program to other brick and mortar retailers.

The assumption is that the results of the smaller test at Home Depot, which only launched a few weeks ago, must have been positive, so Home Depot is expanding the pilot program. We’re told that PayPal will be partnering with at least 20 other known top-tier retailers for the in-store payments test, which will be unveiled later this year.

When asked about the impact of PayPal point of sale integrations will have this year, Donahoe says the last year was about the planning process, this year will be getting the in-store integrations rolled out and next year will be about sale. “The goal is to get a product that will be expanded to every vertical around the world so we can build a business around the point of sale product.”

Donahoe said he tried actually the in-store integration this morning at a Home Depot in San Jose (he says he left his wallet and mobile phone in the car), and just was able to enter his mobile number and pin and was able to pay. The receipt was emailed to him.

Gain trust

Become dispersible

Be highly visible

Be entirely open

Be upgradeable

The problem is going to get worse before it gets better. With advancements in connected cars, smart grids, machine-to-machine (M2M) communication, and domestic installations such as at-home health monitoring systems, wireless demands will only increase. As with all things mobile, there are no simple answers, if only because potential solutions rely on agreement among a sizable and incompatible array of players -- from spectrum owners (both telcos and broadcasters) and regulators to government agencies and, of course, consumers demanding the latest in cool devices and applications.

The jointly owned company, Wireless Payment Services, aims to standardize and commercialize an easy-to-use mobile phone payment system. The carriers declined to say how much they're spending on the initiative.

The announcement is the latest example of Canada's wireless providers joining forces to push potentially revolutionary technology.

It's also further evidence that cellphones are moving way beyond their traditional use and into music playing, gaming, Internet and other applications.

Consumers should expect to see some changes starting next summer.

Prepaid wireless users will be affected first. The aim is to allow them to use their phones to buy more account minutes instead of having to visit a merchant.

After that, the carriers want to gradually roll out the system at retail points of sale and service centres like ticketing outlets.

"What the user will be able to do, ultimately, is to tap or wave their mobile device in front of a point-of-sale terminal to pay," said Jeff Chorlton, president of Wireless Payment Services.

Payment will be withdrawn from the user's bank account or charged to a credit card.

"All of your payment methods could be contained on your cellphone," Chorlton said.

Many handset makers have begun trials to add a payment function to their cellphone product lines. Payment works through a short-range wireless technology called near-field communication. NFC lets users exchange information securely by bringing two electronic devices close together.

The technology could forever alter consumer lifestyles, predicts the NFC Forum, an industry group promoting the technology founded in 2004 by Nokia Corp., Royal Philips Electronics and Sony Corp.

The Forum offers this future scenario on its website: "With Near Field Communication enabled devices, you will make your travel reservations on your PC and download your tickets to your mobile phone or PDA, just by bringing it next to the computer. Then you will check in for your trip by touching your hand-held device to the departure gate kiosk - no paper, no printing."

The system will allow retailers and other companies to save money, Chorlton said. "For some merchants, it could represent the roll-out of infrastructure at very low cost because the infrastructure largely exists through hand-held devices."

Mobile users in such places as Hong Kong and Finland are already using NFC technology to hop on a bus or buy some new threads. Canadians should take to wireless payment because they already frequently use cashless commerce like debit cards, said Dennis Kira, an e-commerce specialist at Concordia University.

"In my mind, the public in general is ready for it."

Canada has about 16 million mobile phone subscribers.

NFC is a type of wireless technology that allows devices to exchange small amounts of data across short distances - approximately four inches. Devices with in-built NFC can facilitate m-payments, simply by holding the devices close to each other. Users with multiple NFC-enabled devices, such as laptops, handheld computers, digital cameras, or mobile phones, can store personal payment details on each machine and all NFC-enabled devices are able to interact, allowing for quick and easy exchanges of money between individuals.

Samsung is the second major mobile manufacturer to sign up with Philips; Nokia is aiming to release its range of NFC-enabled mobile phones by the end of 2004. By 2009, around half of the world's mobile phones will feature NFC chips, according to analysts.

Mobile phones will be the first of many consumer products to embrace NFC technology. It is likely that consumers will soon see TVs and PCs equipped with NFC chips, enabling consumers to view images on from their mobile phones on their TVs, for example.

In September 2002 Philips formed a strategic alliance with Sony to co-ordinate on the development of NFC technology. Philips uses NFC in its Mifare contactless smartcard and Sony has its own FeliCa contactless NFC smartcard. Together, the companies are better able to deal with issues such as security and future product development.

In March 2004 Philips, Sony and Nokia linked up to form the NFC Forum with the aim of promoting common standards of the technology and ensuring compatibility between devices and services. The forum will also encourage other companies to adopt the technology.

Go Social will also allow merchants to put their locations on social networks like Facebook and Foursquare, and track their deal campaigns across those networks. Since AmEx has all the payment information, it can track deal redemption fairly easily. Closing the offer to redemption loop is the singel biggest challenge in the daily deals space. Even Groupon Now, Groupon’s mobile app with instant deals, requires participating merchants to have iPhones and train staff on how to redeem the offers. AmEx doesn’t try to change the behavior of the consumer or the merchant, other than give them an incentive to pay with AmEx versus cash or a credit card.

While it all sounds good on paper, the proof will be in the quality and density of deals that AmEx can procure. This will be a battle between local sales forces. But it looks like Groupon and LivingSocial finally have some serious competition.

Of course, some aren’t so bullish on NFC, notably eBay (who owns PayPal) CEO John Donohoe, who in a recent earnings call said merchants refer NFC “not for commerce.” And odd statement considering PayPal just dipped its toes in the NFC pool with support for Android.

Gajda tells is, “I think for some people NFC will replace the actual physical credit card but it will be a long time before NFC replaces all payments.” He believes that we are going to start seeing more traction by end of this year but says the capability of “taking credit cards and putting them on mobile phones will represent the long tail” in payments. But he adds, “the pieces are in place for NFC to take off.”

The second part of the Visa’s mobile strategy involves the digital wallet and the mobile web. Gajda says that as e-commerce ramps up on mobile phones, there is a need for one-click, simple username and password checkout experience in a transaction being made on a mobile device. That’s an area where PayPal has been working hard to dominate in but Visa sees room for other players. Should we expect a PayPal-like, one-click mobile payments technology coming from Visa soon? Perhaps, the company hasn’t been afraid to enter PayPal’s territory in the past, launching a peer to peer payments service earlier this year.

Gajda tells us that the biggest challenge of mobile payments in the current market the massive amount of fragmentation in the mobile industry. He explains that with all of the various mobile operating systems, specific manufactured phones, applications and more, keeping up with pace of innovation on the development side is a major challenge for Visa.

Visa actually tested a partnership with retailer The Gap earlier this year which alerted customers via SMS of discounts in stores near them. Gajda tells us Visa is working with a number of other retailers and banks on similar deals which will be announced soon.

Gajda says there are a number of other factors at play in the mobile payments place that need to be highlighted when talking about mobile payments. International is a huge growth area in mobile payments. He tells is that outside the U.S., there are a large number of people who have mobile phones but don’t have banking relationship or credit card. In fact, he says there are 2 billion people in world that have phone, but don’t have a bank account or credit card.

In these markets, Visa’s goal is to bring prepaid accounts, purchasing power and other financial services to basic phones. These could include topping up a mobile phone with airtime, buying transit tickets, peer to peer payments. And this goal was the mean reason behind the purchase of behind the $110 million purchase of Fundamo. The company’s platform delivers mobile financial services to unbanked and under-banked consumers around the world, including person-to-person payments, airtime top-up, bill payment and branchless banking services.

Connecting with the small business world that don’t yet use credit cards or are new to the system is another area where Visa feels there is strong potential, especially with mobile payments. That’s why the company invested in disruptive mobile payments company Square and took an advisory role in the company. Gajda says that the power of Square is that it is enabling small businesses and independent workers such as doctors, designer and other merchants to start using credit cards and grow their businesses. It would make sense for Square and Visa would somehow work to harness the power of their partnership (As of April roughly two-thirds of transactions using Square’s payments service were through Visa credit cards.), but it’s unclear what the two companies will reveal any new co-produced products soon.

MOBILE Gajda explains that there are three prongs to Visa’s mobile payments strategy. One of these is NFC, and focuses on payments using a mobile phone at a physical store. For background, NFC (near field communications) enables people to make transactions, exchange digital content and connect electronic devices with a simple touch. As we’ve seen with Google Wallet, Android phones such as the Nexus S are being built with NFC chips, making your cell phone a mobile wallet. Visa recently joined the ISIS network, a NFC mobile payment network that is a joint venture formed by AT&T, T-Mobile and Verizon. ISIS will soon launch in a number of markets, including Utah and Texas.

But he says that there is still so much room for innovation around how we pay with mobile phones. “With the rise of smartphone usage, we are already seeing a lot of innovation around commerce,” he explains. “It’s inevitable that this will extend to the payments around the sales in mobile commerce.”

DIGITAL Visa’s digital payments guru Schulz outlined her strategy for digital payments at the company, which centralizes around the creation of the digital wallet. Schulz says that because of the fact that e-commerce is being more easy and convenient with customers, especially with m-commerce, the underlying payments infrastructure has to evolve.

And Visa’s answer to this is a new digital wallet initiative. Here’s how it works. Users will have an account, and they can add their credit card numbers (and cards from other credit card companies such as American Express and Mastercard). Visa is partnering with a number of financial institutions to offer this product to their customers.

Users can also load their loyalty points and rewards cards, as well as organize their shopping lists. Schulz describes it as a “wallet in the cloud.” But she says the key to the success of the wallet is a seamless, one-click payments experience for the consumers. So Visa has partnered with a number of large-scale retailers (which will be announced soon) to integrate what Schulz refers to as a ‘new acceptance mark’ on a merchant payments page.

So there will be a button you can click on, which will prompt you to sign-on and then will sync your digital wallet with the purchase in your shopping cart. So for example, imagine you had a camera in your cart, and Visa offered a 20 percent off at camera’s purchased at BestBuy, the wallet would sync and show the discount in your cart. The same works for loyalty points and more.

Visa competitor American Express is also working hard to innovate both at the large retailer level, as well as among smaller retailers, with GoSocial.

She compares the digital wallet offering to “two-hand clapping.” ” You can have a digital wallet,” Schulz explains, “but you need a merchant solution of click to buy, and Visa’s going to transform that experience.” And Schulz highlights another recent acquisition, Playspan, has helping drive a simplified commerce experience, a.k.a. click to buy, within game or within app.

Of course adding another checkout experience to online retailers’ sites can be a complicated and time-consuming process. But that’s where Visa’s $2 billion acquisition of CyberSource comes in. CyberSource is said to process about 25 percent of all e-commerce dollars transacted in the United States, and operates e-commerce for hundreds of thousands of retailers. Schulz says this relationship has helped speed up the pace of implementation.

Creating the digital wallet, both on the mobile and web platforms, is no easy task. Visa has a name for itself in the credit card industry but the fact is that the brand still has to attach innovation to itself in order for people to take these products seriously. Perhaps that’s one of the reasons why Google’s Mobile Wallet news created waves, even though NFC technology is in its early stages.

Schulz explains that the idea behind the wallet is that consumers want control over their wallet and want to have payment information and access available to them at all times. She believes that the digital wallet will click to buy incorporated on retailers’ sites is essential to the future of e-commerce in both the U.S. and emerging markets.

While Visa, American Express and others are looking to capitalize on the changes taking place in the payments industry, it is a challenging effort. Local commerce is a big part of this, and everyone is trying to find a way to close the redemption loop. But e-commerce, amongst larger retailers, is also a multi-billion dollar market that Visa hopes to continue to play in with products like a digital wallet. And in-store payments, whether that be through NFC, Square or others, represent another market.

I’ve been talking to a number of executives of payments companies and founders of innovative payments startups, and while their objectives are different, they all seem to agree on one thing. It’s early and there is still much more innovation were going to see in the next few years in the online and mobile payments space.