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Marc-Alexandre Gagnon

Top 7 Mobile Commerce Trends in 2011 - 0 views

  • 4. Offers, Offers and More Offers With the daily deals craze dying down post-Groupon IPO, mobile offers are springing up. Google Offers, Google's response to Groupon's daily deals, continues to expand and personalize its deals. It recently stepped into the mobile commerce space with an Android app. Amazon entered the daily deals space with Amazon Local. Mobile commerce isn't a part of the story, but with Amazon's hefty investment in Living Social and an infrastructure far more mature than Groupon's, Amazon may be waiting for just the right moment before really making its move. Meanwhile, daily deals superhero Groupon moved further into the location-based mobile commerce space through a partnership with Loopt. Soon after the Loopt announcement, Groupon launched Groupon Now, which inserts real-time, location-based offers into the daily deals game. Such offers are usually only available for a few hours, do not include the typical Groupon tipping point and are meant for impulsive mobile users.
  • 5. Shop Till You Sit: Tablet Commerce Tablets are all the rage this year. A recent study by eMarketer.com predicts that one in three online consumers will use a tablet at least once a month by the year 2014. Appel iPads are positioned to dominate the tablet market until 2015. So what are people doing on their tablets? Shopping, naturally. And thus the boom of tablet commerce. Amazon.com, the top revenue-producing Internet retailer, naturally leads the pack with a strong tablet-optimized site. Couch commerce, the act of sitting on one's couch and shopping from a smartphone and tablet, saw a strong increase this year - especially after Thanksgiving dinner and on Black Friday. Amazon launched its Kindle Fire tablet on September 28. ReadWriteWeb Writer Jon Mitchell calls it a store with a screen, quite literally suggesting that its sole purpose is to be a media consumption device. As the Kindle Fire continues to gain consumer mindshare and more developers flock to the Amazon Appstore (don't call it the App Store, OK?), we expect more tablet commerce growth in this area. Shopping catalogs designed specifically for tablets will add to the tablet commerce experience. Google launched a shopping catalog app for tablets back in August. Google Catalogs, as they're called, are like "window shopping with your iPad and Android tablet." The only potential problem for retailers? Now they won't have catalog readers' home addresses on hand.
  • 6. Location and Local Groundswell: Chicago to Des Moines to Boston and Back Again The partnership between daily deals service Groupon and location check-in Foursquare was a big one. The two got together and made it happen. Or, as the Groupon blog says, "when we think of mobile addiction beyond Now! we think foursquare, and many of you guys do, too." The idea of positioning daily deals on Foursquare as an "addiction" doesn't exactly insure longevity; rather, it signals imminent burnout. But hey, we'll forgive Groupon's marketing team - with Groupon's stock prices slumping, the company is needs to keep looking for new ways to hit up consumers. Dwolla, mobile payments system based in U.S. mobile payments capital Des Moines, Iowa, seeks to completely sidestep credit cards. Unlike its main competitor PayPal, Dwolla does not snag a percentage of the transaction; instead, it asks for a shiny silver quarter, regardless of the transaction amount. LevelUp from Boston-based SCVNGR brings location-based gaming to the daily deals space. The idea is simple: Users will receive better deals the more they use the system. Much like the "unlocking" of Foursquare badges, LevelUp users will unlock new "levels" of awesome deals with particular merchants as they continue buying. Like its competitor Dwolla, SCVNGR recently began building local mobile payments into LevelUp.
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  • 7. Don't Forget The Dongle Dongles refer to a device that is connect to a computer to allow access to wireless or protected software. In the case of mobile commerce, a dongle would be a mobile credit card swiper that attaches to the mobile device. Square, Verisign and Intuit lead the way in dongle innovation. But with Google Wallet and NFCs (near field communications) on the move, do dongles have a future? Square's Card Case digital wallet is a dongle. It lets you pay by saying your name and only your name - if the merchant you visit is in the Square directory. With its dongle reader, Square aims to make mobile payments mainstream. Intuit's recent mobile payments innovation introduce the dongle-to-debit-card. The company wants to make it easier for small- and medium-sized businesses to accept transactions on the go. While Square is the leader in the dongle world, Intuit offers QuickBooks, tax refunds, bank partnerships, health check-ins and other management systems. Dongle providers such as Verifone, Intuit, Erply, ROAMPay, TRUSTe and PayAnywhere will continue to push their products as the space evolves.
  • Conclusion Mobile commerce is at a tipping point. It has not hit a critical, mainstream mass, however. First, the battle of NFCs vs. mobile wallets vs. dongles will need to settle, with one emerging and the others either following and finding their niches, or disappearing completely. Carrier billing will play a crucial role in how consumers start easing into the idea of mobile commerce. The daily deals space will become more focused on mobile, particularly in the ares of personalization and location-based targeting - people who use their phones are glued to them, naturally, and they must start receiving time-sensitive offers at exactly the right moment. Tablet commerce will continue to expand, as more people buy tablets and engage in "couch commerce." Catalogs, tablet-optimized websites and fast conversion rates make this the perfect platform for capturing consumers who already feel devoted to their tablets. In the dongle space, Square will continue to position themselves as the thought leaders, though they will face a fierce competition from Intuit.
Marc-Alexandre Gagnon

Apple quietly begins iPhone as wallet in-store trials - Computerworld Blogs [08Nov11] - 0 views

  • The mobile wallet is becoming a reality. Apple [AAPL] has already begun plotting to turn your iPhone into an iWallet which uses iTunes as your virtual bank.
  • The company this week begins rolling out its EasyPay payment system in US retail stores. Available inside Apple's own Apple Store for iOS app, EasyPay lets users purchase accessories at Apple retail stores just by scanning in the barcode and completing the transaction on their iOS device.
  • Payment is taken using your Apple ID. Users need to enter their ID and then payment is taken using the credit card associated with their iTunes account.
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  • This is a much bigger deal than it may seem, as World Payments Report 2011 informs: -- 15% of all card transactions will be mobile by 2013.-- 20 billion credit card transactions take place each year.
  • PayPal should be shaking in its boots. And as for Google Wallet? One day, you'll be paying for your public transit fees using iTunes and your iPhone.
  • There's three ways Apple may choose to create a payment infrastructure. It is possible there are more, but we'll settle on three for now:
  • -- NFC support in the iPhone 5Advantages: NFC is fully supported by the credit companies.Disadvantages: NFC isn't yet ready for prime time, but is expected to reach a much wider market by 2013.
  • -- Bluetooth-based payments: Advantages: It is possible now to use Bluetooth to make secure payment exchanges.Disadvantages: There's no agreed financial Bluetooth-based transfer standard, meaning there's no back-up or insurance in case of fraud.
  • -- Over-the-airAdvantages: Does it matter if you wave your device across a terminal? Why not pay from where you are? You could buy goods and services in this way.Disadvantages: I would argue that Apple's devices would still require RFID tags in order that payment status be easily verified. If RFID is required, then NFC makes sense.
  • What makes Apple's iTunes approach effective is that by using its existing credit service as a bank, it achieves an immediate potential user base of hundreds of millions of people, while also offering an extra layer of protection between banks and customers. If fraud takes place, Apple's insurance should protect a customer, reducing the risk to the banks.
  • Tie these NFC systems up with Apple's other in-development mobile technologies and there's lots of potential scenarios.
  • Some statistics may be of interest:-- 50,000 Dutch nurses now use NFC  to track and manage home healthcare visits.-- The Museum of London already offers interactive NFC services.-- Over 60% of manufacturers plan to put NFC in cars.
Marc-Alexandre Gagnon

Facebook Acquires Mobile Video And Image Editing App Developer Digital Staircase | Tech... - 0 views

  • It looks like Facebook has just acquired mobile video and image app developer Digital Staircase, according to a blog post on the startup’s site. We’ve embedded the blog post below and emailed Facebook for confirmation.
  • Digital Staircase has developed a number of apps for video recording, image editing and more. MovieCam, which is available as an iPad and iOS app, is a camcorder app that provides recording features like 8x digital zoom, pause-and-resume recording functionality, and contrast enhancement. The app also allows you to add 18 movie effects and filters while shooting video.
  • From the post, it appears that the development team may be adding some of these functionalities to Facebook itself. Unfortunately, Digital Staircase will be removing its apps from the Apple App Store.
Dan R.D.

BBC News - Secret net Tor asks users to sign up to cloud services - 0 views

  • The Tor developers are calling on people to sign up to the service in order to run a bridge - a vital point of the secret network through which communications are routed. "By setting up a bridge, you donate bandwidth to the Tor network and help improve the safety and speed at which users can access the internet," the Tor project developers said in a blog.
  • "Setting up a Tor bridge on Amazon EC2 is simple and will only take you a couple of minutes," it promised.
  • Users wishing to take part in the bridging project, need to be subscribed to the Amazon service.
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  • It normally costs $30 (£19) a month. However, Amazon is currently offering a year's worth of free storage as part of a promotion, which Tor developers believe their users will qualify for.
  • Amachai Shulman, chief technology officer of data security firm Imperva believes that cloud services could have a big impact on Tor. "It creates more places and better places to hide," he said.
  • Tor is also used by people wanting to share images of child abuse. Hacktivist group Anonymous recently launched Operation Darknet which targets such abuse groups operating via the network. "There is an ugly face to Tor," said Mr Shulman. "Studies suggest that most of the bandwidth is taken by pirated content."
  • Imperva research estimates that there are currently "a few thousand" exit nodes on Tor - the points at which communications reveal themselves on the wider internet.
Dan R.D.

10/04/23 Bad-news Blippy - When Over-Sharing Leads to Problems - Bits Blog - NYTimes.com - 0 views

  • Blippy, which lets people publish their credit card purchases online.
  • The blog found a Google results page that divulged the Citibank-issued Mastercard numbers for 127 transactions. Those numbers could be easily scooped up by identity thieves and used for fraudulent purposes.
  • plained that when people link their credit cards to Blippy, merchants pass along their raw transaction data — including some credit card numbers — and the site scrubs that information to present just the merchant and the dollar amount spent.
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  • this appeared to have happened to only four users, he said.
  • “We contacted Google and they promptly removed the 4 credit card numbers from their cache,  so they are no longer visible.”
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    I'm not sure why anyone would want to share their transactions. . . 
Dan R.D.

Copyright and Twitter - the Story of @jp917 's MP3 Leaks [26Apr10] - 0 views

  • The story involves a music blogger named JP, who runs the appropriately named JP’s blog. JP also has a Twitter account, where he mostly seems to post links to his blog One such post was about the leak of the new album by The National. That post includes a link to Amazon where people can purchase the new album… and also a link to a download of one song (in MP3 format) from the album. Someone — and it’s not at all clear who — apparently filed a DMCA claim over the Twitter message about the leak, and Twitter responded by taking down the tweet and sending JP a note: jp917, Apr 22 03:10 pm (PDT): Hello, The following material has been removed from your account in response to a DMCA take-down notice: Tweet: http://twitter.com/jp917/statuses/12499491144 — New Post: Leaked: The National — High Violet http://jpsblog.net/2010/04/20/leaked-the-national-high-violet/ Twitter is receiving a takedown notice (in theory) from the copyright holder, and Twitter is merely responding to that takedown and notifying the user. Second, JP claims that he only linked to Amazon and not to a download, but looking at his blog post, there are two clear links to a single song from the album — one at Mediafire and the other via Box.net. He makes no claim that these are authorized, so perhaps they are potentially infringing, which makes things a bit messier. It is true that his main link is to Amazon, encouraging people to purchase, but there are those MP3 links as well (though, again, only to a single song, not the whole album).Read more at techdirt.com
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    The end to the story involving the copyrightability of Twitter will have to read from the source. All I can tell you is, "marvelous --just, marvelous."
D'coda Dcoda

Location-based guide for books and literary events [08Mar10] - 0 views

  • As the electronic age puts physical bookstores and libraries under increasing threat, Local Books is a great example of how, by encouraging a resurgence of consumer interest at a local level, new technologies can be used to provide a shot in the arm for traditional outlets. Launched in January, it’s a free iPhone app that allows users to search an area for bookstores, libraries and literary events such as readings, book discussions and signings. Local Books is powered by LibraryThing Local—a crowdsourced database of 51,000 bookstores and libraries around the world. Users can search for these “venues” by name or by location. The details provided for venues include maps plus (when available) descriptions, photographs, links, and information about upcoming events at those establishments. Venues and events can be sorted by distance, name, type and date. At present Local Books does not show inventories from bookstores and libraries. We wouldn’t be surprised to see this feature available from them or from someone else in the near future. Could that be you? (Related: Online platform connecting booklovers.) Website: www.librarything.com/blog/2010/01/local-books-iphone-application.php
Dan R.D.

How Long Before NFC-Based Mobile Payments are a Widespread Reality? [28Jun11] - 0 views

  • A 2009 analysis from Juniper Research (News –Alert) of the $110bn NFC opportunity forecasted that one in every six mobile subscribers (about 17 percent) globally will have an NFC enabled device by 2014. Adoption was expected to be highest in the Far East,with use very limited outside of that region.
  • By 2014,Juniper now predicts that North America will account for just under half of NFC smartphones,followed by Western Europe.
  • The latest forecast from Juniper Research suggests that at least 20 percent of smartphones will support NFC by 2014,about 300 million phones.
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  • IHS (News –Alert) iSuppli,for its part,now predicts 93.2 million NFC-equipped cellphones will ship worldwide in 2011,up from its December 2010 forecast of 79.8 million. In 2014,411.8 million NFC cell phones are forecast to ship,compared to 220.1 million in the previous prediction.Shipments then will rise to 544.7 million in 2015,says iSuppli,so that 30.5 percent of all cell phones shipped that year would come with NFC capabilities.
  • Eric Schmidt (News –Alert),Google’s executive chairman,believes that a third of point of sale terminals in retail stores and restaurants will be upgraded to allow NFC payments within the next year,the Financial Times reported.
Dan R.D.

L2: A Think Tank for Digital Innovation » 5 Web Trends for 2012 - 0 views

  • Mobile Continues to Grow
  • Association, mobile spending is predicted to grow 39 percent and should come close to the$1.2 billion mark. With only 33% of US businesses having mobile friendly websites, the time is now to “go mobile” while the opportunity still exists.
Marc-Alexandre Gagnon

Research Summary: Demystifying Enterprise Gamification For Business « A Softw... - 0 views

  • Gamification describes a series of design principles, processes and systems used to influence, engage and motivate individuals, groups and communities to drive behaviors and effect desired outcomes. Originating from the video game industry, many of these pioneering concepts now play a key role in driving incentive and behavior management for both brands in the consumer world and internal scenarios in the workplace. Enterprise gamification is a user experience (UX) and consumerization of IT (CoIT) trend that will take the market by storm in 2012. Constellation believes that by 2013, more than 50 percent of all social business initiatives will include an enterprise gamification component.
  • In interviews with 55 early adopters of enterprise gamification, Constellation identifies the three core pillars that include measurable action, reputation and incentives. By creating triggers through both monetary and non-monetary incentives among customers, employees, partners, suppliers and other interested parties, organizations can secure sustainable engagement and drive business outcomes such as improved marketing response from external communities, sustained long-term customer loyalty, increased collaboration among internal teams, or enriched onboarding, delivering success with new hires, partners, and customers.
  • Enterprise gamification requires an application of psychology and behavioral economics to incentivize outcomes. Because enterprise gamification maps closely to human behavior, organizations will want to follow Constellation’s best practices in appealing to the “Seven Deadly Sins” for gamification design.
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  • Some highlights of the report include: Details on who’s using gamification across the enterprise The three pillars of enterprise gamification The six elements of sustainable engagement Sustainable behaviors to drive desired business outcomes The Seven Deadly Sins to Optimize Gamification Design The top gamified business processes for the enterprise (see Figure 1)
  • Designing your gamification models?  What enterprise business processes will you gamify first? next?   Ready to turbo charge your next generation customer experience?  Have you tested out iActionable, CrowdTwist or the 3B’s (i.e. Badgeville, Bigdoor, and Bunchball?  Ready to here how you can apply the white arts of the 7 Virtues to work?  Add your comments to the blog or reach me via email: R (at) ConstellationRG (dot) com or R (at) SoftwareInsider (dot) com.
D'coda Dcoda

Google doubles Plus membership with brute-force signup process - 0 views

  • Google CEO Larry Page trotted out an impressive statistic during last week's quarterly earnings call: Google+ now has 90 million users, double what it had three months ago. Even better, 60 percent of those users are engaged daily, and 80 percent weekly.
  • But those users aren't necessarily engaging with Google+. Any action taken during a logged-in Google session—whether it be searching the Internet, checking Gmail or using Google Docs—counts as engagement under the statistic Page used. Google has refused requests from journalists and interested bystanders to reveal exactly what percentage of those 90 million signed-up Google+ users actually view Plus content each day, week or month. Instead, Google is arguing that it doesn't matter: Google+ is so integrated into the overall experience that what matters is the number of users interacting with any Google site. Combined with other steps Google has taken to integrate Plus into search results and other Google properties, the message is clear: Eventually, Google Plus will just be there whether you want it to or not.
  • On Friday, the Google Operating System blog (not affiliated with Google) wrote a post titled "New Google Accounts Require Gmail and Google+." While this isn't strictly true, the blog demonstrates how Google is making it difficult for new users not to sign up for Google+.
D'coda Dcoda

Microphone Turns Any Surface into Touch Interface - Technology Review - 0 views

  • Through gesture recognition techniques we detect different kind of fingers-touch and associate them with different sounds. In the video we used two different audio synthesis techniques: - physic modelling, which consists in generating the sound by simulating physical laws; - concatenative synthesis (audio mosaicing), in which the sound of the contact microphone is associated with its closest frame present in a sound database. To put it another way, the system is transforming the vibrations transmitted from touch through a rigid body into waveforms that a computer can, in real time, recognize and either transmute into audible sound or use as a triggering mechanism for other sounds. It's an ingenious approach, especially because Zamborlin has made the system clever enough to recognize the sound of particular gestures, so that the interface can accomplish more than just triggering actions when it "hears" a tap.
  • will touch interfaces of the future rely on sounds as well as capacitance? Perhaps sound would be a cheaper, more-durable option for certain kinds of interfaces, making touch interactions all the more ubiquitous.
Marc-Alexandre Gagnon

PayPal pitches its wider vision for mobile payments - Tech News and Analysis - 0 views

  • PayPal has been a powerhouse in online payments but it hasn’t really cracked the much bigger market for payments for goods in the real world. Now, the company is starting to show off how it can put all of its components and recent acquisitions together to form a broad tool for mobile payments.
  • PayPal hosted a partner event for retailers yesterday and began explaining how they’ll be able to implement its tools for in-store payments. The big reveal will happen next month at PayPal’s developer conference in San Francisco, but the company showed a glimpse of how it’s marshaling its resources. It’s important for PayPal to step up with a compelling offering because the mobile payments market is getting crowded with options like Square, Google Wallet and upcoming services like Isis from the cellular carriers and digital wallets from credit card companies.
  • Scott Thompson, president of PayPal, said in a blog post the company is looking to be a one-stop shop for merchants to help them address every part of the shopping lifecycle. OK, that’s a bit of jargon, but it means PayPal is going to help push out targeted advertising, help with in-store discovery and improve transactions with a handful of options.
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  • In a video provided by PayPal, it shows how users will be able to walk into a store and check in to a location to unlock discounts and coupons. When a consumer goes to check out, he’ll be able to pay by entering his phone number. That leverages eBay’s purchase of Zong and its carrier billing capabilities, though it’s not clear how much easier or more convenient that is for consumers who pay with a credit card swipe. But it does open up the option to use carrier billing for physical goods in-store, which is good for people without a card, though the question of how large the transactions fees will be is important. Right now, carrier billing fees are still much higher than credit card fees, which might deter some merchants.
  • Users will also be able to scan items in-store and pay for them with PayPal without having to get in line. Customers can just flash their phone to an employee who will confirm the purchase. This is very much like AisleBuyer and it sounds like PayPal is looking to bring this to restaurant bills as well, something Thompson hinted at in his blog post. This is a cool step that makes sense for people who want to get in and out quickly.
  • Customers will be able to apparently pay ahead for coffee ahead of time and pick it up. Users will also be able to choose how they pay for something after the purchase with PayPal Credit, which seems to leverage eBay’s BillMeLater. All of this appears to work through PayPal’s mobile application and doesn’t seem to require any new investments by merchants. That’s a big concern for mobile payments built on near field communication, which requires many businesses to upgrade their point-of-sale terminals to handle contactless payments.
  • The new mobile payment tools don’t appear to include NFC payments. PayPal recently introduced person-to-person payments using NFC on Android devices, but the company told me at the time it was just focusing NFC on P2P payments. It sounds like PayPal is trying to work around the hardware constraints of NFC payments at point of sale.
  • Other shopping features on display included the ability to get push notifications for discounts that can be shared, which appears to build off eBay’s acquisition of WHERE. Consumers will also be able to scan an item in store and find inventory at other locations, something eBay got from its RedLaser and Milo pick-ups.
  • It’s unclear how soon all of this will come together and how many merchants will sign on. But providing a complete service for retailers and businesses to not only push out offers and discounts but also complete the transactions makes sense. Merchants can close the loop on transactions and understand how their marketing is doing. This is essentially what Google is trying to do with Google Wallet and Offers though it’s focusing primarily on facilitating targeted marketing, rather than taking a cut of transactions.
  • PayPal’s payment initiative is part of eBay’s broader commerce platform called X.commerce, which it’s building off the acquisition of Magento.
  • But there’s also a lot of questions to be answered. For instance, will consumers find this more convenient than a card swipe? Will PayPal make it any easier for people to set-up and manage accounts? Do all of these parts work well together in one solution? And how aggressive will PayPal be in selling this to merchants and consumers? I’ll be interested to hear more and I think PayPal can be a big contender if it gets its execution right. This is going to be a big market but it will require not only great tools but a lot of smart selling to consumers and merchants.
Marc-Alexandre Gagnon

Commerce Weekly: Chasing down abandoned shopping carts - O'Reilly Radar [10Nov11] - 0 views

  • Inviting customers back to their carts
  • Only three out of every 10 online shopping carts actually make it to checkout, according to email marketing vendor Listrak. That's 70% of carts lying abandoned in the virtual corridors of ecommerce. Listrak wants to improve those numbers. It's one of several vendors offering "shopping cart abandonment solutions" — essentially, programs to follow up with shoppers who've left the store and ask them, "Haven't you forgotten something?"
  • Retailers would love to close more of those sales: Listrak estimates $18 billion lost in sales to U.S. retailers every year. A Forrester study last May found that 89% of consumers had abandoned a shopping cart at least once. Forrester's authors attributed that high rate to growing user sophistication: as shoppers become more experienced online, they are more likely to comparison shop even as they move toward checkout. Other industry observers offer a simpler explanation: shoppers are shocked at high shipping costs. A 2006 study by Goecart blamed comparison shopping, high shipping costs, and plain old running out of time as the leading causes of abandonment.
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  • Listrak sampled Internet Retailer's Top 1000 online retailers, loading up carts and then abandoning them ("Hey you kids! Knock it off!") to see who would follow up. Only 14.6% sent a follow-up email, and fewer still sent a second or third email which, Listrak's CEO Ross Kramer told Internet Retailer, is where about half of the revenue comes from. Among Listrak's suggestions to retailers: get the shopper's email address first.
  • Intuit cuts payment rate for AT&T subscribers Intuit announced a partnership with AT&T for its GoPayment mobile payment solution, which competes with Square. Like Square, Intuit offers a free card-swiping attachment that plugs into the audio jack of an iPhone, iPad, Android or Blackberry device, allowing anyone to collect credit card payments. Intuit's basic rate of 2.7% slightly undercuts Square's 2.75%, but AT&T customers will pay even less (1.7%). Intuit originally charged customers $175 for the swiper dongle, but last January, in a bid to compete with Square, it began offering the dongle for free. Still, Intuit has struggled to gain the visibility that Square founder Jack Dorsey and COO Keith Rabois and high-profile investors like Richard Branson have brought to Square. This week's deal with AT&T is a reminder that Intuit is serious about GoPayment, which may actually offer more to merchants since it integrates with QuickBooks, its bookkeeping package that also targets small businesses.
  • PayPal embraces NFC (just a little) PayPal has made something of a point of not jumping on the NFC bandwagon, emphasizing the technology-agnostic nature of its mobile payments platform. Demonstrations at PayPal's recent Innovate conference emphasized payment options like PayPal's Empty Hand system, which lets you buy things with only your mobile number and a PIN. Still, NFC seems an inevitable part of the payments picture in the years ahead, and this week, PayPal delivered the peer-to-peer NFC payment technology that it promised last July. Shimone Samuel, Product Experience Manager for PayPal Mobile Applications, wrote on the PayPal blog that the technology for NFC P2P is included in version 3.0 of PayPal's Android app. No need for it in the iOS app yet, obviously, since the most recent iPhone upgrade disappointingly didn't include support for NFC. As we noted back in July, in practice, the transfer of funds through PayPal's NFC system isn't substantially different from what was already possible using Bump, which sends the transfer through servers in the cloud rather than wirelessly between the mobiles. But the NFC system will let PayPal developers acquire experience with NFC wireless transfers, which should serve them well as NFC-enabled point-of-sale terminals begin to show up next year and beyond.
Marc-Alexandre Gagnon

An Infusion of Money for Soundtracking, a Social Music App - NYTimes.com [08Nov11] - 0 views

  • SoundTracking, a social mobile application that allows people to create “musical postcards” that can then be shared with friends on social sites,  announced Tuesday that it had received $4.75 million in financing.
  • To use SoundTracking, people take pictures, log their locations and attach the songs they are listening to at that moment.
  • “We are making sharing the core experience and discovery is a bi-product.”
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  • SoundTracking is currently the most shared music service on Twitter
  • The financing is being led by Accel Partners, a venture firm that also invested in the popular music service Spotify. True Ventures and SoftBank Capital also contributed money.
  • Sameer Gandhi, with Accel Partners, said in an e-mail that he had chosen to invest in SoundTracking because it offered a “rich, emotional experience on mobile devices.” Mr. Gandhi said he viewed the combining of geolocation technology and music as a next step in what he called a ”capture and share culture.”
  • SoundTracking was developed by Schematic labs, a mobile app incubator in San Francisco, which focuses on social and entertainment applications. SoundTracking is the first app released by the company. SoundTracking previously received $1.1 million in seed financing from True Ventures, Google Ventures and AOL Ventures.
Marc-Alexandre Gagnon

Visual Information Retrieval: the Next challenge in Information Management - ERM Expert... - 0 views

  • In the past 20 years, a lot of research has been done towards visual information retrieval on pictures and video files. Not all of it has been successful. But on the last years, the quality of these visual search engines has reached levels that are beginning to be acceptable for eDiscovery, compliance, law enforcement and intelligence applications.
  • More and more electronically stored information (ESI) is non-text based or does not contain any searchable text components: sound recordings, video and pictures are growing exponentially in size and more and more collaborative and social network applications support (only) these information formats.
  • In addition, a whole generation is growing up that no longer uses written communication forms such as letters or emails: they only use social networks and other new media forms for communication and collaboration.
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  • Electronic files containing one of more text components or embedded objects with text components can be searched by using text-based queries.
  • Document scans (images) and even pictures can be enriched with the text of the original document or even with recognizable logo’s in the pictures. The same technology can also be applied to video shots.
  • Audio and the audio component of a video file can be processed by a phonetic search engine and users can search the content by looking for specific words or phoneme sequences.
  • In addition, audio-, pictures- and video files can be searched on contextual information such as the file name, added meta-information or text that surrounds the picture or the video on a web page.
  • Web search engines such as Google, Bing and Yahoo use primarily contextual text information from pictures and video’s to search on these object. This text can be tagged by users or can be found in the file name, file location, surrounding text on the webpage, etc. In some cases, words that are recognized in the images and videos with Optical Character Recognition (OCR) technology is used, or nudity is recognized and filtered, but that is about it. There is not or limited influence from pure visual information retrieval technology such as: give me all outdoor pictures or all images with a helicopter in it.
  • State-of-the-art visual search technology should address all of these aspects and support both text-based as image or video example based querying, result navigation and viewing.
  • Ranking images is based on complex statistics and other mathematical properties that are not always intuitive to humans.  Users need a much more exploratory and visual result list that uses all available dimensions when searching images and videos.
  • There are many use cases in the field of visual information retrieval varying from searching pictures on the internet to recognizing faces of hooligans at the entrance of a high risk football match, monitoring airports with surveillance cameras and investigating child abuse.
  • Many of these applications are highly specialized applications requiring a lot of specialized knowledge and experience to work effectively.
  • However, I expect that in the next year or five, real visual information retrieval will become a core component of in-house Enterprise Information Management systems as more and more information consists of pictures and videos that are not annotated and therefore hard to find.
Marc-Alexandre Gagnon

Telefonica trials NFC payments using BlackBerry smartphones | Econsultancy [24Nov11] - 0 views

  • Telefonica Digital staff are to start testing NFC payments using BlackBerry smartphones, RIM announced in a blog post yesterday.
  • In collaboration with local banks and retailers, 350 Telefonica employees will trial the devices at its headquarters in Spain.
  • Telefonica CEO Matthew Key is quoted as saying the technology will be rolled out in several markets in 2012.
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  • The ‘Telefonica Wallet’ is enabled on BlackBerry Bold 9900 (pictured below), Curve 9360 and Curve 9380 models, allowing staff to make payments and access the company offices by tapping their smartphone against a reader.
  • The system replicates a physical wallet, allowing users to choose from a range of cards to make transactions or simply check account balances.
  • But concerns around security will be the main obstacle, and Brill says that in his experience consumers tend to be polarised into those who think NFC technology is a great idea and those who are suspicious about it.
  • Brill, who also chairs the DMA mobile council, believes the dual functionality of the Telefonica Wallet could be key to its success.
  • “Touch payments have been available in debit cards for some time but there hasn’t been a major take up. It is difficult to force new behaviours on people, you have to tie it in with something they are already doing,” said Brill.
  • Phone manufacturers would certainly have us believe that NFC is the future, and PayPal claimed today that we will be living a cash-free existence by 2016.
  • Mark Brill, CEO of Formation, warned that the test won’t mean much unless Telefonica and RIM can learn something from it.
  • But with predictions that up to 50% of smartphones could be NFC-enabled in the next three years, it may be the case that carrying cash could soon become passé.
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10/04/19 Privacy Slips Again - Facebook Retroactively Makes More User Data Public - 0 views

  • There’s an argument circulating that we don’t care about our privacy as much as we did when Facebook rolled out with its “promises”, justifying, in part, this decision. Where do you stand? Will you take steps to remove information from Facebook to keep it from going public? See the article for clarification of Facebook’s claim that these changes are “opt in”.
  • Once upon a time, Facebook could be used simply to share your interests and information with a select small community of your own choosing. As Facebook’s privacy policy once promised, “No personal information that you submit to Facebook will be available to any user of the Web Site who does not belong to at least one of the groups specified by you in your privacy settings.”How times have changed.Today, Facebook removed its users’ ability to control who can see their own interests and personal information. Certain parts of users’ profiles, “including your current city, hometown, education and work, and likes and interests” will now be transformed into “connections,” meaning that they will be shared publicly. If you don’t want these parts of your profile to be made public, your only option is to delete them.Read more at www.eff.org
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