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Nokia City Scene is a prototype app from Nokia Beta Labs that combines street maps, 3D panoramic views with gesture navigation and social network integration to provide what appears to be a powerful map discovery tool.

A user can transition from a top-down conventional street view to a Google Maps Streetview-like panoramic view with simple gesture-based navigation. In this 3D panoramic view, the phone user can read information about the businesses in the area in a text overlay. Check-ins by friends on Facebook and Foursquare is also available. The following cities are currently supported within Nokia City Scenes: London, Dallas, Denver, Las Vegas, Los Angeles, Newark-Jersey City, Philadelphia, San Francisco and Seattle.

It is somewhat unfortunate that this powerful tool is only available for the Nokia N9 which is based on an orphaned mobile platform, the Linux-based MeeGo. Nokia has not said whether this app will be ported to Windows Phone (its current smartphone platform).

New technologies, apps and add-ons let smartphones both receive and make payments, and the next generation of phones in the coming years will go further than ever to letting your mobile replace your wallet.

Cash transactions are getting rarer with debit and credit cards being accepted nearly anywhere, but you still run into places that stubbornly remain cash-only, whether it's a lunch wagon, a little independent café, or even an artist selling paintings at a market.

Lately, several solutions have popped up for small businesses - or anyone, really - to accept card payments by attaching a card reader to their iPhone, iPod touch or iPad, or other smartphone.

The space for mobile payments has heated up really fast over the past couple of years. One thing that we’ve started to see more of lately are applications that focus more on peer-to-peer payments versus something that you’d use to see a business. With PayPal implementing NFC, Dwolla providing software solutions to hardware problems and Venmo firmly in between all of it, the space is getting crowded quite fast.

Funds can be added to Clover via any credit card, but not directly from your bank or PayPal.

To withdraw, you can do immediate transfers to your PayPal, or a bank transfer in 2-3 days. Obviously, if you’re using PayPal, you’re going to get a fee tacked onto transactions. Bank transfers might have them as well, depending on your particular bank’s methods.

TORONTO — Canadians who find themselves short of change for that Venti Skim Gingerbread Latte can now pay for their Starbucks beverage with the scan of an iPhone.

The Seattle-based company announced Tuesday that an app for Apple's mobile phones can now handle purchases, provided a customer has preloaded an account with money to spend.

The account can be funded within the app with a credit card.

CNET reported that Klip was the fastest mobile video app to reach 100,000 downloads.  Founder Alain Rossmann believes Klip is creating new form of communication. "Mobile video is essentially emerging as a new communication medium," he tells us.  "Phones are in pockets all the time, they have incredibly good cameras and good networks, and all of those things create a dialogue among users that is really mediated through mobile video.

Location-based social game mechanics are not inherently transactional. That is where the company's newest product, LevelUp comes into play. Take merchant offers, location, game mechanics and make then transactional and you have an idea what LevelUp is trying to do in the mobile payments space.

LevelUp is the path and it dives deep into the fundamental nature of payments, merchants and how people interact with money.

How Does LevelUp Work?

Rapportive adds dynamic contact previews to Gmail complete with profile picture, brief bio and links to their various social networking profiles. Part social, part CRM, Rapportive also features a minimalist notes area directly under the social profiles section of the sidebaat The Next Web Conference the startup is announcing the launch of a developer platform that will allow third parties to insert their products into Rapportivethese plugins, called ‘Raplets’ can be for any purpose. Rapportive suggests booking and time management, entertainment or internal corporate tools as other usesAlthough Rapportive is a Gmail-only service right now, it will be integrating with other email platforms in the near future

social analytics platform Viralheat, we have new data points in which to judge the fallout of SXSW.

the one getting the most attention on Google Buzz, Facebook, Twitter, and other social networks is clearly Foursquare (), which earned more than 38,000 mentions on social channels at its peak. In comparison, Gowalla () garnered less than 25% of that amount, peaking at 8,296 mentions.

Face.com has launched the alpha of their new API. Now, almost any site could find faces on photos.Face.com, the company responsible for Facebook applications Photo Tagger and Photo Finder, lets you take any photo and quickly identify who is in it and where they are in the photo. This facial recognition is a boon to those tagging photos, and now Face.com is ready to bring a similar capability to the rest of the internet. May 3rd saw the launch of their new open API capable of scanning images and rapidly identifying the location, orientation, and identity of human faces. The API platform is meant for web designers who want to include a facial recognition feature on their own website. With this API, any company could let you upload a photo of yourself and find other photos of you in their database. Now in alpha testing, registering to try the API is free and very quick. Face.com, operated by Israel-based Vizi Labs, is looking to share the API with the developer community to see if the next killer application for facial recognition will arise organically. Eventually, platforms like this one may help your face become an access point to all the digital data about you on the web.

Read more at singularityhub.com

Agencies Mizbala and twentythree created an eerie location-based campaign for If I Die, a Facebook application that lets people record a message that will only be published after they die. Of course, no one think they're going to die anytime soon so people needed a bit of prompting. Mizbala used th APIs of popular location services such as Foursquare, Gowalla, Facebook Places, Twitter and Google Latest to track checkins all over the world. Once they located a person, they'd place a call to the location the person had checked into and asked to have the establishment to put the person on the line. Once they had the person on the line, they'd leave a creepy message and tell the person to go to the If I Die Facebook app. You can check out the demo call to Mashable's Adam Ostrow in this video to see what it's all about. Did the campaign work? Oh yes it did. Without any advertising, the campaign received lots of press in newspapers, blogs, radio and TV coverage which resulted in an 800 percent increase in recorded messages being left on "If I Die". But ask yourself. Do you really wants to be found this easily?

Since location-based check-in app Foursquare was launched at South by Southwest in 2009, the app has seen exponential growth, reaching over 7.5 million users this year.

Apart from gamification through leaderboards and badges (or stickers, or pins), the motivation for users to participate in location-based networks is severely lacking.

1)make it easy and 2) create value. Users want to put in less effort and receive more value.

What will it take for mobile augmented reality to become mainstream? Big brands are starting to experiment with AR features in their own apps and partnerships with startups such as Layar, Wikitude and Metaio, but there was a strong sense at yesterday's AR Summit conference in London that much work remains to be done to take the technology beyond early adopters."One of the worst things about this industry is the name," said Nick Brown, chief executive of AR technology provider Crossplatform. "Augmented reality? What does that mean to the public?"Layar's AR strategist King Yiu Chu suggested that the key may be a shift in the way people think about AR. "Augmented reality is not a technology: it's part of everyday life," he said. "It will be embedded in televisions, cars ... everything that has to do with vision. You don't want to be aware of that, you just want to experience."

In January 2011, Starbucks debuted a new way for customers to pay for coffee—through the brand’s mobile app. With 2-D barcode scanners installed in nearly 9,000 of its store locations, the coffee chain has served as a model for retailers looking to enter the mobile payments space.

Starbucks’ mobile platform builds on the success of the Starbucks Card, which has grown from a popular stored-value card to a significant method of payment in stores. Extending the program to a mobile platform was a natural opportunity to enhance the experience and allow customers to manage their Starbucks Card on the go.

Our customers told us they want a faster and easier way to pay, and Starbucks mobile payment apps are the fastest way to pay.

Used to be if spies wanted to eavesdrop, they planted a bug. These days, it's much easier. Because we all carry potential bugs in our pockets—smartphones. One team of researchers used an iPhone to track typing on a nearby computer keyboard with up to 80 percent accuracy.

The researchers designed a malicious app for the iPhone 4. When you place the phone near a keyboard, it exploits accelerometer and gyroscope data to sense vibrations as the victim types—detecting whether keystrokes come from the left or right side of the keyboard, and how near or far subsequent keys are from each other. Then, using that seismic fingerprint, the app checks a pre-created "vibrational" dictionary for the most likely words—a technique that works reliably on words of three letters or more.

As with all things Internet, the future of mobile payments is going to be fragmented, making the promise of a digital wallet on your phone a lot less exciting. Having a phone act as a credit card makes things faster, more convenient and might even lead to more bargains. But the way things are panning out, only people who meet very specific cell phone, bank, and credit card company criteria can join in on the fun. Just today, Verizon blocked Google Wallet from its phones, reports The Wall Street Journal's Amir Efrati and Anton Troianovski. So for those with multiple credit cards, or without a Citi Master Card, Google Wallet can't replace a wallet, giving it a major utility handicap.

As of right now, Google's mobile payment tech only works on Sprint phones with Citi Bank Master Cards. That applies to a very specific set of people. Of course, Google doesn't have the only digital wallet replacement out there. For everyone else, there's Verizon, who has teamed up with T-Mobile and  At&T to work on its version, Isis, which will begin trials next year, note Efrati and Troianovski. And Visa too is apparently in the works for its own mobile payments system, they add. We also can't forget third party apps like Square, Venmo and ZipPay, which allow users to pay others who have the app using stored credit card information. This almost works as a replacement for the wallet, and would theoretically work better than Google Wallet, if only every single place everywhere accepted Square payments -- but they don't. 

So we have two types of fragmentation happening in the mobile payments world. With these "wallet" payment systems, like Google Wallet and Visa's mystery service, the service is only as useful as having that single credit card. And then the system is fracturing on a retailer level. Even with Google Wallet, only stores with the compatible card reader accept it; same with the Square-like services. While the number of retailers accepting Square has grown, as this chart posted by The Atlantic's Alexis Madrigal shows, it can't become a wallet replacement unless every single retailer has it. The same applies to Google Wallet: Not every retailer has the capabilities. Like we've seen with Netflix and streaming movies, the services are nice supplements to cable. But not yet a replacement because they all have somethings but no one has all things. The same can be applied to mobile payments. They all can be used with some credit cards and at some retailers, but we won't leave our wallets at home until we get a cord-cutting equivalent. For now, users either have to load a smorgasbord of mobile payment apps, or settle for the current half-hearted solutions. 

Google Chairman Eric Schmidt caused some raised eyebrows last week when he claimed that by next summer “the majority of the televisions you see in stores” will come with Google TV.

Okay, he may have the timing wrong, but I think that Google will absolutely come out on top of this. It will dominate the smart TV world much in the same way it now dominates the smartphone world.

I liked some of the ideas behind the first iteration of Google TV, but like everyone else, was disappointed by the execution

Despite all of this 99% of brands and businesses are ill prepared for this new flood of mobile tech. They literally don’t have a clue where to start. Most brands think that building an app is the solution to all their mobile problems but with over a million apps across the various platforms they are notoriously hard to promote and rarely get cut through. Many businesses have started implementing mobile sites but that is only really the tip of the iceberg and the vast majority of businesses wouldn’t even know what a mobile site was (have a look at some of the biggest businesses in your country to see how bad it is). The simple reality is that brands and businesses don’t even know that they should have a strong mobile presence yet and that presents a huge opportunity to a new breed of entrepreneurs willing to provide solutions.

Digital agencies will still be pumping out apps for the next couple of years to support campaigns and PR firms are not even at the races. Most importantly you would have to focus. Focus on nothing but mobile. As tempting as it would be to build websites and carry out traditional advertising that will just bring you down to the level of your competitors. The opportunities are immense though because mobile is not something that is just going to go away. It would take you 2-3 years to position yourself correctly but if you started now you would be miles ahead of the curve when this stuff really hit the mainstream from a marketing perspective.

We are adding our own mobile capabilities to compliment social because the two go hand in hand but there is plenty more room for agencies all over the world to spring up who are purely focused on mobile. It will without a doubt be the next big marketing frontier. That is my free business idea for the year so just send over the check if you do go ahead and give it a go and it turns in to a huge success

PayPal is testing an NFC mobile payments application at two stores in Sweden while it continues to look for ways to expand access to its payments services. PayPal has been experimenting with NFC for a while and recently incorporated NFC into the latest version of its Android app to enable peer-to-peer payments with two mobile phone users tapping their phones together to transfer money between them. The NFC payments app test is running in conjunction with two Swedish retailers and the Swedish developer Accumulate over a five day period. Mobile Commerce Daily Posted as a headline on December 23, 2011Tags: Mobile Payments, NFC, paypal