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Mobile payments worth $670 billion by 2015 [05Jul11] - 0 views

  • Mobile payments have taken off in the last few years, and are now poised to grow from $240 billion this year to $670 billion worldwide in 2015, according to Juniper Research. Fueled in part by the nascent near field communication (NFC) market, which is expected to be worth $50 billion by 2014, the overall mobile payments market is also expected to rise quickly thanks to mobile ticketing, money transfers and purchases of physical goods. Mobile payments are more reliant right now on digital goods purchases, which is expected to double by 2015 and will account for 40 percent of the market. But the faster growth will occur with NFC, which can be used in retail and merchant locations to buy physical items. Juniper said 20 countries are expected to launch NFC services in the next 18 months.
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Putting people first » Context aware computing and futurism at Intel - 0 views

  • “Context-awareness can make computing devices more responsive to individual needs and help to intelligently personalize apps and services. Using self-learning mechanisms, sensor inputs, and data analytics, Intel research teams are engaged in a number of projects that promise to take machine learning beyond the lab to practical, real-world applications.”
  • Most interestingly, the site goes into some depth on Intel’s current projects that explore the boundaries of context-aware computing:
  • Online Semi-Supervised Learning and Face Recognition: Use face recognition in place of a password to log in to any protected site. The self-learning techniques being refined by this project can be adapted to many areas of context awareness.
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  • Context Aware Computing—Activity Recognition: This project is developing techniques so that your computer can adapt to your patterns of activity and, based on your needs and expectations, instruct and guide you on a daily basis.
  • Context-Aware Computer—Social Proximity Detection: Your friends, family, and co-workers all play a role in determining how your daily activities unfold. This project identifies ways to use the proximity of people important in your life to adjust communications and to help coordinate activities.
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An "Open" Perspective on Near Field Communications [22Jun11] - 0 views

  • Currently NFC is seen as one of the most exciting areas in our industry in terms of revenue generation: projections show up to 700 million NFC-enabled mobile phones will be sold by 2013, according to Jupiter Research. At Nokia, however, we would argue that the industry's current focus on secure NFC may be at the expense of realizing the potential of open NFC. As pioneers in NFC technology, and as a founder of the NFC Forum, Nokia believes that open NFC will have a far greater impact on consumer behavior and the NFC ecosystem than secure NFC will. Open NFC has the potential to spur a vast number of business opportunities for developers, retailers, advertisers, electronics manufacturers and others.
  • NFC tags, which cost only a few cents, offer huge potential for advertisers, retailers and others to reach, reward and stay in touch with their customers. These tags can be promoted at any location, including a phone retail point, a coffee shop, or even at the local supermarket, with immediate and measurable results.
  • Open NFC will benefit consumers on a much larger scale and get people familiar with using their device for NFC interactions, before secure NFC reaches a high level of penetration. As more and more NFC phones come to the market in 2011 and 2012, open NFC will change the way consumers interact with each other and open up a host of opportunities for developers both large and small.
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  • As more and more NFC phones come to the market in 2011 and 2012, open NFC will change the way consumers interact with each other and open up a host of opportunities for developers both large and small. We believe that developers will embrace the opportunity offered by open NFC in creating apps for sharing information, reading tags, joining social networks and more. And this open NFC opportunity will be realized long before secure NFC takes off.
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Specs that see right through you [05Jul11] - 0 views

  • Boring conversation? Accessories that decipher emotional cues could save your social life – or reveal that you're a jerk
  • The glasses can send me this information thanks to a built-in camera linked to software that analyses Picard's facial expressions. They're just one example of a number of "social X-ray specs" that are set to transform how we interact with each other. By sensing emotions that we would otherwise miss, these technologies can thwart disastrous social gaffes and help us understand each other better. Some companies are already wiring up their employees with the technology, to help them improve how they communicate with customers. Our emotional intelligence is about to be boosted, but are we ready to broadcast feelings we might rather keep private?
  • Some of our body's responses during a conversation are not designed for broadcast to another person - but it's possible to monitor those too. Your temperature and skin conductance can also reveal secrets about your emotional state, and Picard can tap them with a glove-like device called the Q Sensor. In response to stresses, good or bad, our skin becomes clammy, increasing its conductance, and the Q Sensor picks this up.
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  • In a 10-day experiment in 2008, Japanese and American college students were given the task of building a complex contraption while wearing the next generation of jerk-o-meter - which by that time had been more diplomatically renamed a "sociometric badge". As well as audio, their badge measured proximity to other people.
  • Physiological responses can now even be tracked remotely, in principle without your consent. Last year, Picard and one of her graduate students showed that it was possible to measure heart rate without any surface contact with the body. They used software linked to an ordinary webcam to read information about heart rate, blood pressure and skin temperature based on, among other things, colour changes in the subject's face (Optics Express, vol 18, p 10762).
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Finextra: CommBank makes NFC play with Kaching [25Oct11] - 0 views

  • Commonwealth Bank of Australia has unveiled Kaching, a mobile phone application and case capable of conducting NFC-based, e-mail P2P, and Facebook payments from a single handheld device.
  • Depending on the format selected for payment, the transaction will either take place instantly, or generate a unique code for delivery to the recipient, allowing them to access their payment online at a convenient time.
  • David Lindberg, executive general manager cards, payments and retail strategy says: "The recent explosion in uptake of digital and smartphone technology has revolutionised how we all transact, interact and communicate with each other, and this new application will make the dream of mobile payments a reality."
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  • Once the customer has selected an account to both receive and make payments from, Commbank Kaching will enable them to pay anyone via MasterCard PayPass, an email address, phone number or Facebook friendship.
  • Commbank Kaching combines peer-to-peer payments via the phone's contacts and email addresses, and 'social payments' via a user's Facebook friends along with NFC contactless technology.
  • Users wishing to activate the NFC functionality will need to use an iCarte cover - billed as an interim technology by the bank - which is available for purchase during the app installation process.
  • "Mobile and online social payment is the next step in transaction technology," says Lindberg.
  • Now, for the first time, Australian consumers will no longer have to rely on cash or cards to make payments to family, friends or even businesses.
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The Paypers. Insights in payments. [24Oct11] - 0 views

  • Mobile payment start-up Square, is set to deploy its credit card readers for smartphones in Wall-Mart Stores at locations in the US, according to reports.
  • According to online media outlet businessweek.com, before being made available in Wall-Mart stores, Square’s device has been sold via about 200 Apple stores, as well as via Target, RadioShack and Best Buy outlets.
  • The technology employed by Square for this device works on Apple’s iPhone and iPad as well as Google Android. The card reader is plugged into the headphone jack of the mobile device which allows merchants to swipe customers’ credit or debit cards.
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  • According to the same media outlet, Square is working with PayPal and providers of near field communication (NFC) for this mobile service.
  • For each transaction performed by this device, Square receives from merchants 2.75 percent of the amount paid.
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You say you want a revolution? It's called post-PC computing [24Oct11] - 0 views

  • How could Google, the high priest of the cloud and the parent of Android, analytics and AdWords/AdSense, not be a standard-setter for platform creation?
  • Amazon's strategy seems to be to embrace "open" Android and use it to make a platform that's proprietary to Amazon, that's a heck of a story to watch unfold in the months ahead. Even more so, knowing that Amazon has serious platform mojo.
  • Case in point, what company other than Apple could have executed something even remotely as rich and well-integrated as the simultaneous release of iOS 5, iCloud and iPhone 4S, the latter of which sold four million units in its first weekend of availability?
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  • Let me answer that for you: No one.
  • The downside of this is that because the premise of the web is about abstracting out hardware and OS specificity, browsers are prone to crashing, slowdowns and sub-optimal performance. Very little about the web screams out "great design" or "magical user experience."
  • The mainframe was dwarfed by the PC, which in turn has been subordinated by the web. But now, a new kind of device is taking over. It's mobile, lightweight, simple to use, connected, has a long battery life and is a digital machine for running native apps, web browsing, playing all kinds of media, enabling game playing, taking photos and communicating.
  • In the PC era, for example, the core problems were centered on creating homogeneity to get to scale and to give developers a singular platform to program around, something that the Wintel hardware-software duopoly addressed with bull's-eye accuracy. As a result, Microsoft and Intel captured the lion's share of the industry's profits.
  • Given its multiplicity of capabilities, it's not hard to imagine a future where post-PC devices dot every nook and cranny of the planet (an estimated 10 billion devices by 2020, according to Morgan Stanley).
  • Now, Apple is opening a second formal interface into iOS through Siri, a voice-based helper system that is enmeshed in the land of artificial intelligence and automated agents. This was noted by Daring Fireball's John Gruber in an excellent analysis of the iPhone 4S: ... Siri is indicative of an AI-focused ambition that Apple hasn't shown since before Steve Jobs returned to the company. Prior to Siri, iOS struck me being designed to make it easy for us to do things. Siri is designed to do things for us.
  • stock performance of Apple, Amazon and Google after each company's strategic foray into post-PC computing: namely, iPod, Kindle and Android, respectively.
  • This is one of those cases where the numbers may surprise, but they don't lie.
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Building a Public Cloud for Business Continuity [25Oct11] - 0 views

  • Cloud computing has been eyed for some time as a solution for business continuity needs, as the thought of setting up new virtual servers on an automated, on-demand basis seems highly appealing. But when it comes to figuring out the kind of cloud offerings that will work best for business continuity, typically private cloud options are usually the ones considered. The reason for this bias is the configuration of the virtual machines themselves. While public cloud services can afford business clients a lot of computing power in a hurry for a low rate, that combination does not always equate to a continuity friendly environment.
  • Then there are the security concerns. If you are patching your own systems diligently, is the cloud provider providing the same patched for their own base operating systems? What other kind of security protocols are in place? On the legal side of the equation, does the cloud provider meet compliance in the areas of data breach notification, data retention, auditing, and whatever other compliance regulations you need to follow? What are the local laws for the datacenter and how do they comply with your own corporate needs in terms of security?
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Wilderness communication without cell towers | KurzweilAI [14Jul10] - 0 views

  • Australian scientists have invented software that enables mobile phones to work in remote areas where there is no conventional coverage and in locations where the infrastructure has been destroyed through disaster, or is not economically viable.The “Serval Project” technology enables ordinary mobile phones to make and receive calls without the need for phone towers or satellites.
  • Converting a cell phone into a cell tower The project includes two systems that can operate separately or be combined. One is specifically for disaster areas, and consists of a temporary, self-organizing and self-powered mobile phone network that operates via small phone towers dropped into the area by aircraft.The second system consists of a permanent mesh-based phone network between Wi-Fi enabled mobile phones, with no tower infrastructure required. It incorporates a compact version of a mobile phone tower into the phone itself, using the Wi-Fi interface in Wi-Fi-enabled phones.The current range between phones is only a few hundred meters, which limits the usefulness of the system in remote areas, but adding small transmitters and more devices could expand the range considerably.
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Japan's NEC Unveils Hi-Tech Spectacles - NTDTV.com [13Nov09] - 0 views

  • Computer-maker NEC calls them the latest in eyewear for the linguistically challenged. The TeleScouter integrates spectacle frames with a personal mini-computer and a head-mounted display unit. The result is a portable language translator. TeleScouter allows two or more people with no language in common, to hold a conversation. One user will begin the conversation in their native language and, with the press of a button send the recorded words to a remote server where they are analyzed and translated. The server then sends the translation to the receiving user who can read the words in their own language on the head-mounted display unit. While the technology is still in its developmental stages, NEC says a faster unit is on the horizon and that the hope is to break down language barriers. [Kotaro Nagahama, NEC Manager]: "With this you don't have to think about having to translate yourself your own words. All you have to do is speak in your own words and that gets communicated to the other person and you don't have to do any thinking. You just have you use your own language. " But TeleScouter will not be cheap. When it reaches the market it'll sell for around $83,000 although the price will come down over time. If all goes according to plan, NEC says foreign tourists will one day, with great confidence be able to tell their hosts "I see what you're saying."
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Gamification - Richard Baxter at Distilled's SearchLove - State of Search [25Oct11] - 0 views

  • Get Glue:
  • In their first three months, 1 million users, 100 million data points and shipped out thousands and thousands of stickers. Amazing, but how on earth are they making profit? Because it’s an advertising platform and collecting information on demographics, popularity, etc. and providing the entertainment industry with amazing data – sold.
  • SEOmoz
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  • “The point system has dramatically improved engagement + contribution on Moz. We’ve grown community content 200%+ in the past 24 months.”
  • Step 1: You need points.
  • But points are meaningless without a leader board.
  • Step 2: You need a leaderboard to get people’s competitive spirit out and allow them to compare and be compared against others.
  • Salesforce does the same with Nitro by gamifying real life. Sales guys get stats to see what they’re doing well, awards them with points and badges but it also lets them compare to others.
  • We can also use game mechanics to help people learn how to use our products – Richard mentions Ribbon Hero 2 where clippy teaches you how to use Microsoft Office products. Rather than having him jump up when it thinks you need help (as was the case back in the day) you have challenges to help clippy fix his CV, etc. Your userbase is having fun and you’re helping them learn about your product.
  • Encourage users to hand over data - it makes us smarter marketers.
  • Who does this? LinkedIn with the goals and “profile completeness” – SEOmoz does the same thing.
  • Badges?
  • Rich doesn’t know that Foursquare should work but the beauty of it is that does. Rich thinks this has to do with velocity and the fact that it makes quite boring stuff exciting and PR worthy – not knowing when a reward is coming and the fact that they come almost at random is what Rich feels makes this work.
  • Virtual Currency/Goods
  • If you have a crappy product it really doesn’t matter.
  • What could we do/take away from this?
  • Gamification for Good – IMOK, a checkin platform for kids. Connected just from one phone to the other and checking in lets the parent know they’re ok.
  • Reward with Status- top contributors in Webmaster forums will get flown out to Google and learn all sorts of things.
  • Create signups/sales with loss aversion
  • Help people drive their business
  • Generate Reviews- badge and point system for heavy users?
  • Increase signups
  • Reward for Gifting
  • Reward for Uplaoding Content
  • Generate links
  • Increase social shares
  • Motivate internally to do the same - get your inhouse team to answer FAQ type questions and reward them for their interaction and points.
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