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The launch of O2’s mobile contactless payment “Wallet” app has been delayed after concerns that it is not yet offering an adequate customer experience.

The operator, which initially said it was planning to launch O2 Wallet in the “second half” of 2011, is choosing to take extra time trialling the service internally before opening up consumer trials and a subsequent public launch

O2 Wallet is currently being trialled by more than 300 O2 employees and this is thought to increase to about 500 staff in the coming weeks as the app becomes compatible with more devices and other O2 services such as its loyalty programme Priority Moments.

Intuit has made an interesting move today with its mobile credit card reader GoPayment reader. Intuit is allowing merchants to keep and receive funds on a prepaid credit card as opposed to depositing the amount in a bank account

Launched two years ago, GoPayment offers a complimentary app and credit card reader to allow small businesses to conduct charges via their smartphones. GoPayment, which competes directly with Square, is available for iOS, Android and Blackberry phones and the card reader simply plugs into the audio jack of a phone or tablet. The credit card data is also encrypted, (and never stored on the phone).

Similar to Square, the GoPayment mobile payment app is free and the basic service has no monthly, transaction or cancellation fees, and offers a 2.7 percent rate for swiped transactions. Intuit and Square actually both eliminated the per transaction fee.

Richard Branson is no stranger to investing in mobile media: among his more notable moves have been establishing Virgin Mobile (NYSE: VM) years ago, and more recently moving into iPad publishing with Project magazine. Today comes news of his latest foray into the wireless world: an investment in the mobile payments startup Square.

Square raised $100 million at the end of June in a round led by Kleiner Perkins Caufield & Byers. At the time, that valued the company at $1 billion.

Square built a business initially on an iPhone-based mobile payments service that is now avaialbe for both iOS and Android devices. It provides a square-shaped dongle to merchants, who can plug the device into a phone to make instant card transactions. Some 800,000 merchants in the U.S. are now using the dongles, and there are around $2 billion in payments processed annually through the platform. At the standard 2.75 percent commission that Square charges merchants, that works out to annuals revenues of $55 million from those transactions going to Square.

Zypr is everything you wanted from Siri without the Apple-flavored handcuffs.

This voice-control API gives developers a free platform for writing voice-activated commands for web applications, including navigation, social media, maps, calendars and more.

One of the most interesting and valuable aspects of the Zypr API is that it aggregates third-party APIs from services like Facebook and Amazon, categorizes their functions (for example, social, mapping or shopping) and presents those functions through a single, normalized API, creating a stable access point for devices and apps. If a third-party API changes, the developer using Zypr doesn’t need to make any changes to his or her code. Pioneer says that Zypr can replace around 80 percent of the functionality of the APIs it supports.

PayPal today issued an update to its Android app that will enable people to make payments to each other via near field communications enabled smartphones. This does not include consumer to merchant payments but rather is a widget geared towards making payments with friends or other PayPal using people that happen to have NFC on their devices.

PayPal does not make any money from peer-to-peer transactions. It is a feature that the company offers more or less because it can. Really, the best thing that peer-to-peer does for PayPal is give it insights into how people transfer money between each other through the data generated by each transaction.

PayPal has shunned NFC to this point in its mobile payments push. The company's stance has been "it will not be a hard thing for us to implement if we find that it gains popularity." Really, this new NFC sharing widget for Android does not change that stance at all. Peer-to-peer payments in PayPal are a service, not a business vertical. Essentially, this update for PayPal does not affect how the company will approach mobile payments.

The race to replace your wallet with mobile payment options is on.

Consumer demand for smartphones, combined with near-field communication, or NFC, technology that enables everyday purchases, is fueling the shift from credit card swipes to mobile payments. With smartphone sales expected to increase 50% this year, mobile payment services are in a mad dash to capture market share, and the growing competitive space has sparked strategic partnerships among big names.

Meet the contendersMobile payment sales in the U.S. are expected to increase at a 68% compounded annualized growth rate over the next five years. It's no wonder that big players like American Express (NYSE: AXP  ) and Google (Nasdaq: GOOG  ) want in on the action.

Amazon’s use of the iPhone camera to recognize and classify objects was preceded by Google, which released Google Goggles, a similar technology, for Android in December 2009 and for the iPhone last October.

Google Maps is a big part of Milk’s first mobile app, Oink. And Rose wants to build in more Google technology in future updates.

Oink lets people rate and discover things in the places around them. It is a first step at creating a directory and recommendation system for things in the physical world.

Google Offers went live in Brooklyn, New York today, much to the happiness of everyone from Kings County to Gowanus. Google Offers, a direct competitor to companies like Groupon and Living Social, first landed in Manhattan this past July with Belgian fries and mango chutney at Pommes Frites. Today, Google’s daily deal service is offering $4 general admission tickets to the New York Aquarium, which is 73% off the normal $14.95 price tag. The Aquarium, which is located just off the Coney Island boardwalk is open year round and features animals such as California sea lions, stingrays, tropical fish, moray eels, penguins, seals, otters, walruses, starfish, sea turtles and sharks!

Location Media Microsoft Mobile Sessions Shareables Social Media Twitter Video Editions Africa Asia Australia Canada Europe India Latin America Middle East UK United States Languages France Nederland Polska Portugal Romania Russia Google Offers is now live in Brooklyn: Starting with $4 for SHARKS! 9th November 2011 by Courtney Boyd Myers Google Offers went live in Brooklyn, New York today, much to the happiness of everyone from Kings County to Gowanus. Google Offers, a direct competitor to companies like Groupon and Living Social, first landed in Manhattan this past July with Belgian fries and mango chutney at Pommes Frites. Today, Google’s daily deal service is offering $4 general admission tickets to the New York Aquarium, which is 73% off the normal $14.95 price tag. The Aquarium, which is located just off the Coney Island boardwalk is open year round and features animals such as California sea lions, stingrays, tropical fish, moray eels, penguins, seals, otters, walruses, starfish, sea turtles and sharks!

BankSimple has announced a few things, including a name change. The company is now called “Simple” and has started rolling out its first invites to the service.

Using Simple, you can make purchases with a Simple Visa® card, pay bills, earn interest, set up and track savings goals, and much more. Simple replaces your bank, but we are not a bank. You use our mobile and web apps and speak with our customer relations team when you have questions. We partner with chartered banks that hold your deposits in FDIC-insured products. They take care of money, we take care of customers, and together we’re delivering a new type of financial experience that’s easier, faster, and friendlier.

With a focus on customer service, Simple aims to make the banking experience a better one for consumers, focusing on both web and mobile experiences. To date, online banking hasn’t been the best experience, with companies like Mint helping you manage your money more effectively.

Come November, the world's second largest mass transit company will let its riders pay for trips by waving their cell phones at the terminal. The Deutsche Bahn, Germany's main railway operator, began implementing its Touch&Travel mobile payments system in 2008 and expects it to be ready within two months.

The system will rely on near field communications (NFC) chips contained in customers' mobile phones to handle the payment transactions for each trip. Alternatively, riders can pay with their phones by scanning a QR code at the beginning and end point of their ride.

Touch&Travel mobile apps are available for iPhone and Android-based smart phones. "In addition to using NFC or barcodes to provide location information, smartphone apps can use GPS or the user can type in a location ID number," writes NFC World. Riders will be billed for their transit usage at the end of each month.