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Newly formed Singapore-based start-up YFind is the latest location-based start-up in the country. It has nothing to do with check-in or badges. Rather the team has a vision to make buildings “location intelligent.”

YFind’s mobile app uses WiFi signals to detect the position of a mobile device. So what’s that good for? Melvin Yuan, one of the co-founders of YFind explained via email:

If you’re a customer, this means you can now easily find amenities like the nearest toilets and the right ATMs. If you’re a retailer or mall operator, it means you will be able to engage your customers more effectively – telling them what’s available around them, immediate and relevant promotions, and what else is happening in the mall at any point in time. It’s real-time, contextual customer engagement at its finest.

The market is primed for the right game to galvanize interest in experiences that combine the real and virtual worlds. Just as FarmVille put social gaming on the map and Angry Birds brought attention to mobile gaming in general, we could see a wave of smartphone owners flood the application markets looking for similar experiences. This will present a valuable opportunity to marketers that want to foster emotional connections with their audiences, so keep a close eye on new releases and brace yourself for the next big thing in mobile gaming.

Four major credit card companies are working with the Isis mobile wallet venture to install mobile payment security applications on upcoming NFC-ready smartphones in the U.S.

Visa expects to license its own software, called PayWave, to the upcoming near-field communication (NFC) smartphones sold by the three wireless carriers in the Isis consortium, a Visa spokeswoman said yesterday.

All four of the credit networks offer contactless payment software, which today is more widely used on cards containing chips than in smartphones. Isis officials said in July that having all four on board will increase consumer and merchant acceptance of NFC-ready smartphones used to make point-of-sale purchases.

oursquare has launched its Tip Lists features today, attempting to capitalize on people’s unending desire to create lists about locations, like Top Five Coffee Shops in SF, etc etc. Up until now your Foursquare Tips have sort of roamed free on the app, without rhyme or reason or real incentive to add more. Today the company is trying to improve on the Tips experience and get users to fancy themselves local experts. After all, you must know something about some place in the city you live in right?

Creating a list is relatively easy, as the entry field auto-populates with places. There is also a collaborative functionality, which lets people who you’re friends with edit a list.

The Tip Lists will also feed into Foursquare’s Explore functionality, which serves up recommendations for Food, Nightlife and Coffee based on your friends’ Checkins and Tips.

Cities are experimenting with releasing more public data, engaging with citizens on social networks, adopting open source software, and finding ways to use new technologies to work with their citizens. They've been doing it through the depth of the Great Recession, amidst aging infrastructure, spiraling costs and flat or falling budgets. In that context, using technology and the Internet to make government work better and cities smarter is no longer a "nice to have" ... it's become a must-have.

That's the kind of "citizensourcing" smarter government that Tolva is looking to tap into in Chicago.

"This is as much about citizens talking to the infrastructure of the city as infrastructure talking to itself," he said. "It's where urban informatics and smarter cities cross over to Gov 2.0. There are efficiencies to be gained by having both approaches. You get the best of both worlds by getting an Internet of things to grow."

Wednesday at the Social Good Summit, ABC News correspondent Juju Chang announced a new Facebook game aimed at educating people about maternal health.

The game, which is a piece of the larger Million Moms Challenge initiative launched earlier this week by ABC News and the UN Foundation, is called 1000 Days and guides players through a series of educational mini games that teach about things such as proper diet, breast feeding and government regulations.

users are presented with opportunities to connect with outside organizations in the maternal health space for additional information.

Payments company PayPal wants to make sure that it stays in the conversation when it comes to mobile payments.

In the last couple of weeks we have heard from innovations coming out of MasterCard and Intuit. PayPal is one of the leaders in mobile payments, especially on the peer-to-peer front.

PayPal is predicting that mobile payments is going to boom come time for the holiday shopping spree

New mobile payment services help banks realise the future of payments

Visa Europe, Europe’s leading payments technology company, today announced the launch of Visa Mobile Person-to-Person payments and Visa Alerts: two new services designed to help consumers manage their money and make payments using their mobile phones.

the new services give Visa Europe’s member banks the tools to respond to growing consumer demand for fast, secure, convenient and innovative ways to make and manage payments using their mobile phones.

Auction giant eBay and Facebook are quietly forging stronger ties with a secret joint partnership and the addition of Facebook exec Katie Mitic to eBay’s board of directors.

Mitic, the current director of platform and mobile marketing at Facebook, will now become the twelfth member of eBay’s board of directors. S

Mitic is a whiz when it comes to mobile. She helped launch the Palm Pre and the company’s app store before it was snatched up by HP. Her background in building and promoting developer platforms, especially in the mobile arena, should prove useful as eBay strives to replace the wallet with the phone by 2015.

I would like to talk about an inflection point in social media that requires pause. I am not suggesting that there will be a social media 2.0 or 3.0 for that matter. Nor do I see the term social media departing our vocabulary any time soon. After all, it was recently added to the Merriam-Webster dictionary.  Instead, what I would like to discuss is the end of an era of social media that will force the industry to mature. It won’t happen on its own however. Evolution will occur because consumers demand it and also because you’re willing to stake your job on it.

The future of social media comes down to one word, “value.” Without it, businesses will find it much more difficult to earn and retain friends, fans and followers (3F’s). As adoption of social networks soared in previous years, growth is now plateauing.  eMarketer estimates that Facebook growth will hit only 13.4% this year after experiencing 38.6% acceleration in 2010 and a staggering 90.3% ascension the year before. Facebook isn’t alone in its sobriety either. The  rate of Twitter user adoption fell from 293.1% growth in 2009 to 26.3% this year.

Between June 2009 and June 2011, the following changes were noted in Facebook activity: - Uploading videos is experiencing a modest increase around the world up 5% in the U.S. and 7.6% worldwide. - Installing apps is on the decline, down 10.4% in the U.S. and 3.1% worldwide. - Sending virtual gifts may not be gifts worth giving after all, with numbers declining 12.9% in the U.S. and 7.5% around the world. Twitter on the other hand is a rich exchange for  information commerce, where links become a form of digital currency. For example, 45% share an opinion about a product or brand more than once per day. Another 34% of Twitter users also share a link about a product or brand more than once per day.

Verizon Wireless and financial management company Intuit announced today a partnership that will bring Intuit's mobile card reader to 2,300 Verizon retails stores across the country. The partnership is yet another big move in the mobile card reader industry that has been popularized by Square and includes Verifone, Erply and PayAnywhere among others. Intuit operates QuickBooks, a system used by merchants to manage finances. As such, GoPayment fits well in Intuit's product line. Verizon will be able to put the Go Payment in front of millions of people looking for mobile payment options. It is a win for both companies and a strike to Square, which is putting up a big fight against the large financial companies that are rapidly entering mobile payment industry.

The GoPayment card reader will be "free" to Verizon customers granted activation of a GoPayment account and a mail-in rebate of the $29.97 purchase price. The app itself is free and has no monthly transaction or cancellation fees with a 2.7% rate for each swiped transaction. A paid version of GoPayment is available that lowers the per swipe transaction rate to 1.7% with a $12.95 monthly fee, which will be good for retailers with high volume.

Square sells for $9.95 at the Apple Store but consumers get a $10 credit from the company when they sign up for an account. Square also has a 2.7% fee for swiped transactions

In the next decade, we’ll see more change in the commerce landscape than in the past 100 years combined.

Mobile

by 2020 and each consumer will have approximately seven devices connected to the Internet.

At 500 Startups’ Smash Summit in New York today, Robert Scoble revealed that PayPal is launching something big with Facebook in two weeks, and that it would be a more expansive partnership than the existing PayPal-Facebook integrations.

Last year, PayPal announced its new micropayments product, which Facebook integrated. In early 2010, Facebook announced that you could use PayPal to purchase Credits.

“We’ve been talking for a while about how the four megatrends of mobile, social, local and digital will change commerce. Yesterday at f8, Facebook made some great announcements that will change social networking. When social and commerce join together great things will be possible and developers will be able to monetize these new developments very quickly.”

Speaking at a press briefing here Tuesday, Bidaud pointed out such mobile strategies would also provide "contextual and social user experience", which he described as "enriched reality" in which information would be meshed with the real world. For example, location-aware apps that could inform users which bus stop they were at and the arrival times of buses that stopped there, he said.

viewpoint, the Gartner analyst said the Internet of things, also known as machine-to-machine communications, was an arena in which there were "lots happening". Defining it as having a network-connected device sending information back to the network, he predicted that beyond smart utility grids, the technology would be used by consumers to share community-specific information such as a weight-watchers group, for instance.

"Restrictions could be in requiring social networking sites and Web companies to host their data centers locally, as well as having a tighter compliance environment for shared data," Sengar suggested, noting that this could stifle the growth of social CRM uptake in Singapore.

A recent interview takes a look at what Facebook’s recent platform changes mean for businesses. It begins, “Recently at f8, Facebook’s developer conference, the company introduced a series of action verbs into its social platform. ‘Read,’ ‘Watch,’ and ‘Listen,’ Facebook CEO Mark Zuckerberg explained, were added to help build a ‘language for how people connect.’ The one missing word, of course, was ‘Buy.’ That’s really why Facebook and its army of content partners from news, publishing, music, and film and TV are rushing to set up shop on the famous platform with 750 million users.”

The interviewer “sat down with Gi Fernando, an expert on social-networking data, to help explain what Facebook’s platform changes mean for brands, consumers, and marketers.

When asked about the single biggest change that Facebook is making, Fernando replied, “The biggest change is Facebook driving toward becoming the semantic web. The semantic web is making sure that the Internet has a dictionary and a grammar that can be understood by consumers, yes, but also by advertisers and brands. It’s also understanding how people behave on the Web rather than just clicking on stuff: what are they actually doing? You read, watch things, you get instant feedback, your friends can read and watch with you, but then the brand knows what you and 13 others are reading, watching, listening to as well, and you can target advertising based around that. It’s a beautiful feedback loop both for the consumer and the brand.”

PayPal has shown their new peer-to-peer NFC payment system at MobileBeat 2011 today, using two Android powered Samsung Nexus S phones.  The premise is simple -- open the app on both phones, enter the payment amount on one, and bump them together.  After the buzz, enter account details, and the payment is processed.  Afterwards, the normal email receipts are generated and sent out, just like we did it in the old days.There's no firm date when to expect this, but PayPal says "late this summer".  Another compelling reason for manufacturers to put NFC capabilities in their new models, or just a security concern?  Either way, we'll find out soon enough.  Hit the break to see a demo video.

The Lab’s first game went live this week, called Ball Invasion (here’s a link on iTunes). It’s a shooter in which the world around you becomes a canvas for playing: hold your iPad 2 in front of you, and it becomes a window on a world that fills with targets that you can chase and shoot. The game’s fun enough, but really the excitement is all about the technology. While you’ve no doubt seen augmented reality before, the difference here is 13th Lab is using a complex computer vision technique known as SLAM — that’s Simultaneous Localization and Mapping. This is a system developed in part by NASA for use in robotics, which allows an object (like, say, a drone) to look around, build up a picture of the world and then understand where it is.

Of course, oftentimes you don’t really want to tell all of your friends where you are, and even then you may only want them to be able to see your whereabouts for a short while. That’s where Glympse comes in. The service, which is based entirely around ‘sharing your where’ with select friends a few hours at a time, has just raised a $7.5 million Series B funding round led by Menlo Ventures and Ignition Partners.

Say, for example, you were running late for a meeting and wanted your coworkers to have a sense for when you’d be arriving at the office. Instead of having to send a series of text messages (“15 minutes..”, “traffic bad, make that 30 min”, and so on), you could just send a Glympse that let them track your progress on a map. Then, when you arrived, you could turn the Glympse off and the map would stop updating.

So where is Glympse going next? The company isn’t sharing much about its future plans, other than to say that they’re working with partners to integrate the product into “the everyday life experience”. In other words, expect them to move well beyond their own iPhone and Android apps in the near future.

Vehicle tracking and recovery remains the major application area for wireless M2M communication in the security industry, using devices that combine GPS with GSM and GPRS technologies. The main markets in terms of units and value include tracking of passenger cars and commercial vehicles. However, there are also several emerging niche markets, such as construction equipment as well as leisure vehicles and boats.

“There is still a significant untapped potential in the residential market segment for monitored alarms,” commented André Malm, senior analyst at Berg Insight. He added that only about 25% of the 30 million alarm systems in Europe are connected to an alarm receiving centre. The latest generation of monitored alarm systems with GSM and GPRS is well adapted to the residential market as many households abandon PSTN services.