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D'coda Dcoda

Smart tag lets you print electronics on plastic [25Jan12] - 0 views

  • When people receive food or pharmaceuticals, the smart tag will display the temperature record. This method will be less expensive and more accurate than placing alarm sensors in shipping containers, ThinFilm said. ThinFilm's technology, which has been under development since the 1990s, is a printable memory device that stores the ones and zeros of digital information by changing the orientation of polymer chains when a voltage is applied. Last year, ThinFilm partnered with Xerox company PARC to combine its ferroelectric memory with PARC's printed transistors. Adding computing logic allows the device to not only read, write, and process data, but also to store more data.
  • The computing and storage are very limited on this sort of device and will work for less than a year but it is low power and, because it's printed on plastic, low cost. Data can be stored many times and is not lost with loss of power. By partnering with companies that have made a battery, display, and sensor for its memory system, ThinFilm has created smart tags which can be used for many different applications, said CEO Davor Sutija.
  • The company sees integrated printable electronics replacing silicon processors and enabling the Internet of things. For example, the company has deals to supply smart tags that add interactivity to toys and games. It has also had discussions with auto companies to use tags to gather data on vehicle brakes and notify drivers when they need service. In 2013 or 2014, the company plans to add a wireless networking module to its smart tag. That will allow everyday objects to communicate with the near-field communications in cell phones, said Sutija.
Marc-Alexandre Gagnon

The Future Of Mobile Payments: Text A Word And Pay For Something - 0 views

  • Imagine a world where by simply texting a word, like "Sandwich" will result in a quick and seamless transaction so you could  go about your day.  Think about how much easier our lives would be if we didn't have to wait in line, handle cash or be turned away from food or beverage if we don't have our wallets in hand
  • What if texting wasn't just meant for communication, but also designed for transaction?
  • Today, most people take more precautions about carrying their mobile devices than carrying their wallets or purses.
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  • The new question is: if your house is on fire what do you grab, your wallet or your phone?
  • I bet the answer is an overwhelming "phone", since we do almost everything with our mobile devices and very soon we won't be needing a wallet.
  • Our vision at Seconds is to make it easier for merchants and customers to interact and transact.  This is no more apparent than when looking at our latest innovations on the mobile payment front: Pay by Text.
  • Okay, here's a great one.... how about anything to do with hospitality?  Already, when you check in to a hotel they ask for your contact information, namely a cell phone number.  By running on the Seconds platform the can now open a quick and easy channel for you to text and pay for room service, any and all products... not to mention your room.  Or what about on a Vegas Casino floor....
  • Here's how it works: Once a mobile user sets up a Seconds account and attaches a payment card, they now can simply pay for the desired product with a one word text to the merchant's Seconds number, in this case it would be the word "Sandwich".  The resulting text a few seconds later will inform the user they indeed have been successfully charged X amount.  Done.
  • We are currently one month into a pilot program with a customer testing the functionality and perfecting the process.   Each week we are seeing more and more mobile transactions through Pay by Text, and if things keep going the way they are now this could become the default payment method outside simple food offerings.
  • Roll with me for a moment.  Imagine going to a movie and rather than waiting in line for the teller to give you a ticket you just simply text "Mission Impossible 4" to the box office and the next thing you know you have paid for the movie and are sent the secret code to enter via text.
  • Or how about the next time to your favorite band is in town.... do we really have to deal with the whole Ticketmaster ordeal?  Why can't I send a text to the concert organizer with a simple "Said Band Name" and pay for the price of admission.
  • Important Note: This is not carrier billing, where you place the transaction onto your cell phone bill.  Seconds is completely separate from the carrier and a stand alone mobile payment system.
  • So, what about NFC? The problem with NFC technology is you actually have to be in physical proximity for the transaction to work.  The whole point of "Near Field Communication" is touching or swiping your device on a reader which will result in a transaction.  But what happens if I want to pay for something when I am not actually at the specific location or can't get within a few inches of the reader?  What if it's ecommerce, which will become more prevalent as time goes on?  Although it might have its place, it looks as if NFC  underwhelms and under-delivers.
  • That is why we are very excited about our Pay by Text technology, we see a whole new world of payments when you disassociate proximity with transaction.  It's going well right now and the future is looking very bright for Seconds.
Marc-Alexandre Gagnon

Mobile Payments Startup Square Ups The Ante, Drops Transaction Fee For Businesses | Tec... - 0 views

  • Mobile payments company Square has made an interesting move today, which should put competitors Verifone and Intuit on notice. The startup is dropping the per transaction charge for any business using its mobile payments device and service. Square previously charged 2.75% of each transaction amount plus a flat $0.15 per transaction fee. Today, Square is completely dropping the per transaction charge.
  • So why is the mobile payments company dropping the transaction fee? Square’s COO Keith Rabois says that along with simplifying the payments experience for businesses, it is also taking on the hidden fees and teaser rate structure that have plagued the credit card industry. “The vision of Square is to simply create zero friction and complexity around payments, which is difficult to do in financial services,” he explains. Rabois says that the per transaction fees on top of a variable rate charge can be misleading for businesses because the hidden costs add up especially if a business processes a large amount of transactions. Now, Square will simply charge a flat 2.75% of all transactions, regardless of size. “In the end accepting payments should be as easy as using a microwave,” says Rabois.
  • Fresh off a $27.5 million funding round, Square is gaining a lot of a lot of buzz and just debuted a new billboard in Times Square. Jack Dorsey’s startup is expected to process $40 million in transactions in Q1 of 2011 and is currently signing up 100,000 merchants per month. That’s compared to 30,000 monthly signups last Fall.
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  • Currently the majority of Square’s users are small businesses, so no transaction charge will surely be a big draw for users who aren’t raking in millions in revenue. And there is no cost for the actual Square device. Intuit, which just extended the offer of a free version of its Square competitor GoPayment indefinitely, still charges $0.15 per transaction. And VeriFone’s offering still charges $0.17 per transaction.
  • Rabois says that Square wants to be as transparent as possible with users, adding that the fee elimination won’t be last thing that is simplified with the service. Check out the video below, in which Square randomly interviewed a number of San Francisco business owners to determine if they knew how much they were paying in credit card payments fees.
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.
  • 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.
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  • 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.
  • 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

Square Now Being Used For Mobile Payments At Political Fundraisers | TechCrunch - 0 views

  • Jack Dorsey’s Square was unveiled last December as an innovative way to let people quickly and easily accept physical credit card payments from their mobile phone.
  • Square is ideal for taking money at political fundraisers for several reasons.
  • A local flower cart in San Francisco is using Square to take payments from customers. Denim, a jeans store in New York is using Square to take payments from shoppers. We even used Square at this year’s Crunchies to raise money for the UCSF Foundation.
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  • Here’s how Square works: A small device attaches to the phone via the headset/microphone jack. The device gets the power it needs to send data to the phone from the swipe of the card, and sends the information over the microphone connection. The device is compatible with both the iPhone and Android. It’s similar in some ways to PayPal, but anyone can now accept physical credit card payments, too. With no contracts or monthly fees. People are sent receipts by text and email. If you haven’t seen Square in action, check out this video.
  • And now, a new use case has popped up for Square: political fundraising.
  • Square is currently being used in two campaigns. Silicon Valley VC Josh Becker, who is running for state assembly in California’s 21st district, has been using Square at fundraising events. And lawyer Reshma Saujani, who is running for Congress in New York’s 14th district, is using Square at campaign fundraising events, including at an event in San Francisco on Friday.
  • Valued at $40 million even before launch, Square is off to an impressive start. And technology’s most notable investors and leaders seem to think so as well.
  • Currently, if you want to donate money at a fundraising event, you often have to fill out a form and hand over a check or cash at the event. If you don’t have your checkbook or cash handy (which, many of us don’t), credit cards are the only option. You can write down your credit card number and info for fundraisers to charge at a later date, but you have to trust that the fundraiser keeps track of that information and paper.
  • With Square, there is both a convenience added for both the payee and fundraiser. The donation is instantly processed, and Square will send the receipt via SMS or email to the payee. Of course, political contributions and donations are a little more complicated because of the reporting requirements associated with donations.
  • For many types of donations, you need to take the donator’s name, occupation, address, and other information. Currently Square doesn’t allow users to input all of this information but Dorsey says that they are releasing Square’s API to allow fundraisers to build additional applications on top of Square, where they could input all of the necessary data. Once this is enabled, Square will allows fundraisers to eliminate paper collection and payments all together.
  • Dorsey says he’s already getting significant interest from politicians and political candidates across the country, but because Square is in limited beta, is being selective about how the service is distributed. Dorsey expects Square to be open to the public sometime in the next few months.
  • Since then, Square, which has been in limited beta, has been used in a variety of use cases. E.g. philanthopic organization charity:water recently used Square at the SXSW festival to collect donations.
  • Twitter co-founder Biz Stone, investor Ron Conway, Google’s Marissa Mayer, Foursquare co-founder Dennis Crowley, Digg creator Kevin Rose, investor Esther Dyson and a host of others have invested in Square. The company also raised funding from Khosla Ventures.
Marc-Alexandre Gagnon

Branson's Next Mobile Act: An Investment In Mobile Payments Startup Square | paidConten... - 0 views

  • 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.
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  • Last week, the company upgraded its payment app, Card Case, which now uses geofencing technology built into smartphones to let a user make purchases without even presenting the device. About 20,000 merchants have signed up to work with the Card Case app to date.
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

How to pay with your iPhone | News | TechRadar [03Sep11] - 0 views

  • 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.
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  • Square, one of the most recognisable, is a small, square dongle that plugs into the headphone jack on an iOS or Android device, and lets the merchant swipe a customer's magnetic stripe card, converting their account data to an audio signal.
  • The corresponding app software encrypts it and sends it to Square's servers, which communicate with the card-processing companies to complete a transaction. The customer signs their name with a dash of their finger on the touchscreen, and they're able to have a receipt sent to them over email or SMS text message.
  • The main advantage to using the headphone jack rather than the iPhone's 30-pin dock connector is that the dock connector is only on iOS devices, while every mobile has a headphone jack. This meant Square could roll out its system to Android by simply writing compatible software.
  • But you won't see Square - or its many competitors, including the GoPayment, Intuit Credit Card Reader, Mophie Marketplace, VeriFone's PAYware Mobile, the MagTek iDynamo and others - in use at your local pub, since the UK, as well as all of Europe and most of Asia, has moved to using Chip and PIN.
  • Chip and PIN (also called EMV for Europay, MasterCard, Visa) is more secure, since magnetic stripes are more easily read and cloned by black-market devices, and signatures can be forged. The chips in these cards are much more difficult to clone, and even if a card is lost or stolen, it can't be used without the matching PIN. It's been standard in the UK since 2004, but it isn't widespread in the USA, with both banks and merchants reluctant to invest in the new hardware required.
  • But one iPhone-based card reader does support Chip and PIN transactions: the iZettle, a free EMV chip card reader with accompanying app that connects to an iPhone or iPad's 30-pin dock connector.
  • New company Card.io is even offering mobile developers a new way to accept card payments within their apps without needing a scanner at all. Users take a photo of their card and the account number is read and captured by the software.
Marc-Alexandre Gagnon

Stocks Cashing In on Mobile Payments (AXP, EBAY, GOOG) [27Aug11] - 0 views

  • 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.
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  • American Express recently took the spotlight when the company signed a deal with Verizon Wireless allowing mobile users to make purchases on Verizon devices using a streamlined process. As the largest U.S. wireless carrier, Verizon reaches a broad audience. The partnership comes at the right time as American Express opens its own digital payment software called Serve, which will come pre-installed on all Verizon smartphones and tablets.
  • In an apparent bid to boost sales of Android phones, Google launched Google Wallet, a mobile payment platform for Android users. How it works: Google's Android platform will support NFC technology (more on that in a minute) capable of turning your phone into your wallet, letting you store digital credit cards on your Google Wallet account. Just walk into a store, pick up a product, and tap your phone on the payment reader. Google's service will support the payment networks of Citigroup's (NYSE: C  ) Citi, MasterCard (NYSE: MA  ) , and First Data.
  • eBay's (Nasdaq: EBAY  ) PayPal has dominated the online payment space for over a decade, but as the competition gets tough and the focus shifts to mobile devices, the company will need to make big moves to maintain its head start. One such move was initiating Titanium+Commerce, a mobile payment program that lets small businesses design their own smartphone apps for processing PayPal transactions.
  • Another emerging competitor in the mobile payments space is ISIS, a mobile commerce network founded as a coalition among AT&T (NYSE: T  ) , Verizon Wireless, and T-Mobile. Similar to Google Wallet, ISIS will run on any NFC-enabled device offered by the three carriers. Payment network partners will include American Express, Discover, MasterCard, and Visa (NYSE: V  ) .
  • Why this will workFor one thing, smartphones have conquered dozens of industries by gradually replacing everyday items like pocket calendars, road maps, and cameras with their ever-evolving apps. I have no doubt the move to mobile payments will quickly make credit cards a thing of the past. Who will finish the race with the most market share? The company that can get the most merchants to adopt its service. At this point, ISIS shows the most promise because merchants will benefit from a solution offering multiple wireless carriers.
Marc-Alexandre Gagnon

PayPal Predicts No Wallets by 2016 [24Nov11] - 0 views

  • Back in 2007, the Chief Executive of Visa Europe claimed that we could all be living in a cashless society by 2012. With that milestone fast approaching, it’s safe to assume that notes/bills and coins won’t be going the way of the dodo that quickly, but a new forecast has emerged from another giant from the finance world.
  • PayPal has produced a new report which will be released shortly – Money: The Digital Tipping Point – in which it predicts not only that consumers won’t need cash to go shopping, but they won’t need a wallet at all. And when can we expect this vision to be realized? 2016, it seems.
  • We’ve written quite extensively about mobile payment technology in recent times. Back in September we spoke with Ben Milne, founder of peer-to-peer Web and mobile payment platform Dwolla, who discussed the future of m-commerce. And prior to that, The Next Web’s Brad McCarty looked at how NFC will get its piece of the $4 quadrillion payments pie. There’s little question mobile payments will play a big part in the future of commerce. But will it completely outmanoeuvre paper, coins AND plastic by 2016?
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  • Around 45 million people in the UK use a mobile phone, and 49% of mobile users surveyed use their device to purchase products at least once every three months. But there is still a big demand for in-store purchases too, as we saw with London’s Oxford Street retailers gearing up for Christmas by introducing a number of tech initiatives to help capitalize on the growing m-commerce trend.
  • PayPal’s findings are based on interviews by Forrester Consulting with 10 senior executives from major UK retailers and other businesses, with a combined turnover of £85bn.
  • “We’ll see a huge change over the next few years in the way we shop and pay for things”, says Carl Scheible, Managing Director of PayPal UK. “By 2016, you’ll be able to leave your wallet at home and use your mobile as the 21st century digital wallet. Our vision of money is to enable you to pay for something from wherever you are, whatever device you’re on – a PC, mobile phone, tablet, games console and a whole lot more.”
  • Indeed, Scheible continued by saying that it will take another 4 years before we’ll see the real beginning of money’s digital switchover in the UK, but he stopped short of any discussion relating to a ‘cashless society’. “We’re not saying cash will disappear entirely, but we’ll increasingly use our phones and other devices rather than our wallets to pay in-store as well as online”, he says. “The lines between the online world and high street will soon disappear altogether. Children born today will become the UK’s first ‘cashless generation’. It will be completely natural for them to pay by mobile.”
  • So the real prediction here is that the uptake of mobile payment technology will increase significantly over the next 4 years – something that most people would probably agree with. But at the rate we’re currently going at, and with the likes of NFC technology gaining momentum in the micro-payment sphere, cash could be under threat sooner than we may otherwise have realized.
  • By 2016, it’s thought that UK mobile retail sales will hit £2.5bn. PayPal currently has over 14m active UK accounts, over a million of which have been used to send a mobile payment. Around the world, PayPal expects to process more than $3.5bn (£2.25bn) in mobile payments this year, five times more than in 2010.
Dan R.D.

Prone to Attack - Android Devices Saw 4x Rise In Malware [16May11] - 0 views

  • Security vendor Juniper Networks has warned users of Google’s mobile OS Android that there has been a 400 percent increase in Android malware between June 2010 and January 2011. In its “Malicious Mobile Threats Report 2011“, the company has said that Android as the dominant growing force in the mobile device market, was the biggest target of malware and exploit developers in 2010.
  • Symbian mobiles continue to remain the most prone to threats.
  •  
    Ha Ha. Iphone is secure. Isn't Apple the best.
D'coda Dcoda

How Will Android Play Out in Asia? A Conversation With A-Fund's David Chao [21May11] - 0 views

  • With a veritable “Cambrian explosion” of low- and high-end Android devices in Asia, venture firm DCM recently made a big bet that there will be some winning startups in the next few years by launching a $100 million early-stage Android fund with Japan’s GREE and mobile operator KDDI.
  • “We all recognize that Android is going to really take off in China and Japan over the next 12 months and we wanted to make sure we intersected with the best and brightest whether it’s apps guys or people working with chips,” he said. Chao says he sees Android as the fourth wave in a series of shifts affecting the gaming industry in Asia over the last several years. While there aren’t any truly reliable statistics, Chao says there might be about 15 million Android devices shipped in China by the end of this year. Higher-end Android devices like Sony Ericsson’s Xperia line of phones are starting to find a foothold in Japan.
  • “All of the majors are jumping on the bandwagon and the Android smartphones tend to do really well in Japan,” he said. “They’ll have traditional Japanese phone functions like FeliCA, which is a local payment method, and the ability to play GREE games.”
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  • But both the Chinese and Japanese markets have evolved in fundamentally different ways and have somewhat self-contained ecosystems. In China, there are naturally the large social networking services like QQ or Renren (another DCM investment that went public earlier this month) where developers can publish their games. There is also an emerging group of web MMOs (massive multiplayer online games) that aren’t really dependent on any platform.
  • Japan’s market in contrast has taken an unusual trajectory with companies like DeNA and GREE, Chao says. Often misunderstood in the West, these companies have a blended model where they create their own games in addition to operating a platform for third-party developers. That’s different from the U.S. market, where the biggest social networking sites here have tried to stay neutral and don’t tend to create their own IP.
D'coda Dcoda

The rise and fall of mobile apps: a Roman Android empire? (Appolicious) [21May11]| Wor... - 0 views

  • re creating smartphone loyalty, determining which OS and device a consumer may buy. At least that’s what a recent Gartner report will have you believe. The sales report ranks Android, Symbian, iPhone, BlackBerry and Windows Phone sales in the first quarter of 2011, noting the impact of mobile apps on the market share of new sales. It seems the mobile device market is only gaining in strength, Google (GOOG) taking 36 percent market share, leading with 36.3 million unites sold. Symbian comes in second, with 27.4 percent market share at 27.6 million units, leaving Apple (AAPL) at 16.8 percent market share with 16.9 in sales. RIM’s (RIMM) BlackBerry comes in fourth, with 13 million and a 12.9 percent take of the market.
  • “Every time a user downloads a native app to their smartphone or puts their data into a platform’s cloud service, they are committing to a particular ecosystem and reducing the chances of switching to a new platform,” notes principle research analyst Roberta Cozza. “This is a clear advantage for the current stronger ecosystem owners Apple and Google. As well as putting their devices in the context of a broader ecosystem, manufacturers must start to see their smartphones as part of a computing continuum.”
  • Apps have certainly created an expansive ecosystem for mobile industry, but just like the mighty dinosaur, this era may one day become extinct. The death of mobile apps has been predicted by MIT writer Christopher Mims, pegging web apps as the future. It’s their potential ubiquity across platforms that extends access to web users, instead of drawing lines in the sand around mobile browsing versus the web you access on a PC laptop. Mims calls for a browser-based utopia where offline access and standards like HTML5 harmonize our desperate web experiences, but notes that offline access is far from perfect. Things still boil down to business, where Google’s marketplace has lower operating costs than Apple’s, with a broadening reach.
D'coda Dcoda

GPS Users Fear Getting Lost In Wireless Expansion : NPR [13Jun11] - 0 views

  • GPS devices have become ubiquitous: Millions of drivers rely on them for directions.
  • The government hopes to construct a new air traffic control system based on GPS navigation rather than the use of radar.
  • They've also become an important tool in agriculture.
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  • But a multibillion-dollar proposal to provide broadband Internet access using satellites and a network of 40,000 antennas could interfere with their devices. This could potentially make it harder for first responders to find emergencies, aviators to fly and drivers to navigate
  • In a video on its website, LightSquared offers an enticing vision:
  • "Wireless devices will work in every single part of the country," the video explains. "People will be able to send e-mail from the Grand Canyon. Download a full-length movie in mere minutes while on the move. Make a phone call far away from Anywheresville."
  • the problem is that the radio signals the broadband carrier wants to use for its wireless network would interfere with signals GPS uses.
  • the government's own tests have shown the LightSquared signals cause some GPS receivers to lose signal strength and others were knocked out entirely.
  • 'A Zoning Dispute'
  • part of the radio spectrum which the FCC granted to LightSquared is right next door to the part of the spectrum GPS services use.
D'coda Dcoda

Your favorite gadgets are threatening the planet's future [18Jun11] - 0 views

  • Earth is expected to be home to over nine billion people by 2050. That’s a lot of people for Mother Nature to manage.
  • Space issues aside, the biggest concern on an over-populated planet is whether or not there will be enough resources to go around. Last week, British investor and Co-founder of Grantham Mayo Van Otterloo (GMO) Jeremy Grantham offered what Business Insider called a “startlingly depressing outlook for the future of humanity.”
  • the purpose of this piece isn’t to tread well-worn ground about the planet’s perils. So forget about fossil fuels, drinking water, crops, ice-caps, trees and animals for now. What we’ll be looking at is all those elements that go into helping you do what you’re doing right now. Whether you’re reading this on your laptop, smartphone, tablet…or any other digital device, the natural environment has had a huge part to play in this experience.
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  • Ethical electronics
  • Tantalum
  • Besides the direct environmental impact of mining the Earth, there is a more immediate threat. You’ve no doubt heard about conflict diamonds or ‘blood diamonds‘, which are diamonds mined in a war zone and sold to finance an insurgency, invading army’s war efforts or a warlord’s activity. Well, your mobile phone contains a similarly valuable commodity that’s been at the center of controversy in recent times
  • Tantalum is one of the best superconductors on Earth, and it’s used to coat capacitors to obtain more power from less energy. This basically means that laptops and mobile phones don’t need batteries that are larger than the device itself – so this is one of the chief reasons why you can slip your iPhone in your pocket rather than carting it around in a wheelbarrow. In central African countries such as The Democratic Republic of Congo,the mining of the mineral coltan – from which tantalum is extracted – it has often been argued fuels wars and encourages child slavery. And these arguments are well-founded.
  • However, the majority of tantalum production shifted to Australia, and Western Australia became the world’s largest source of mined tantalum concentrates. The mine closed in late 2008, and has only recently reopened.
  • In 2010, major concerns were raised as to the availability of tantalum and the effect this would have on the supply chain. “The impact, the real concern, is actually obtaining the metal,” said Dennis Zogbi, CEO of Paumanok Publications, which researches the component industry and the tantalum markets. If the stockpile of tantalum ever runs out, this could be disastrous for the electronics industry.
  • Tantalum minerals are also mined in Canada, China, Ethiopia, and Mozambique, and mass reserves were found in Venezuela in 2009, and in Columbia a year later.
  • Bloomberg reported a couple of weeks ago that the first conflict-free tantalum has recently been certified by The Electronic Industry Citizenship Coalition and Global e- Sustainability Coalition (EICC/GeSI), an initiative backed by companies such as Apple and Intel.
  • Indium
  • Then there’s Indium, a rare chemical element you may or may not have heard of. Zinc ores are the primary source of indium, which – when isolated – is then used in liquid crystal displays (LCDs) and touchscreens.
  • China is a leading producer of indium, whilst Canada and Bolivia are also large producers. And Cornwall, England, was also found to hold significant indium deposits earlier this year too, something which could prove massively beneficial to the UK economy
  • Last year, 85% of all indium was devoted to making indium tin oxide for use in LCD products, and the demand is predicted to grow at 15% a year over the next few years
  • A UN report published last month found that there are virtually no recycling initiatives in place for indium, and Thomas Graedel, one of the report’s eight authors, warned that a failure to re-use metals such as Indium doesn’t bode well for the future
  • “If we do not have these materials readily available at reasonable prices, a lot of modern technology simply cannot happen. We don’t think immediate shortages are likely but we are absolutely unable to make predictions based on the very limited geological exploration currently conducted.
  • The case for recycling
  • Your old mobile phone has circuit boards, batteries and an LCD screen – these all contain harmful materials that, when dumped in landfill sites, eventually break down and leak into the environment.
  • Over time, the likes of lead, cadmium and mercury pollution can be hazardous to the environment and to our health. It was for this reason that, in 2006, California became the first US state to make it mandatory for all mobile phone retailers to establish a collection and recycling program for mobile phones. The law also prevents residents from disposing of old mobile phones.
  • It’s very difficult to reclaim tantalum once it has been transposed onto an electronic component. For this reason, it’s important that you choose how you dispose of old devices carefully. Some organizations will promise to ‘safely’ recycle your handset, but this is very vague and may not mean the components are being reused. Given the amount of effort and strife that may have gone into producing it, you should ensure that it is actually reused. But this is something governments and industries need to help consumers achiev
  • The UN report analyzed the recycling rates of 60 metals, and 34 of these have recycling rates of less than 1%. Among the least-recycled metals were tellurium and gallium – which are used in solar cells – and lithium, a key element in your phone and laptop batteries.
  • Despite the best efforts of environmentalists, governments, businesses and consumers, there could be another ‘small’ obstacle to contend with if we’re to protect the Earth’s natural resources. And that is China
  • As reported recently in National Geographic, China supplies 97% of the world’s so-called rare earth elements, elements we all rely on for all our high-tech gadgetry, including mobile phones and laptops. And in 2010, China gave a hint of what the future may hold for the rest of us, when it stopped shipments of rare earth elements to Japan for a month following a diplomatic dispute. This had a big impact on the price of rare earths on global markets. China is expected to reduce its rare earth exports to help protect the country’s own rapidly growing industries. Indeed, it’s worth noting that almost two-thirds of rare earth metals produced in China are already consumed ‘in-house’, so to speak.
  • If China does decide to cut back on its exports, global prices will sky rocket. Dysprosium, for example, is used in hard-drives and it now sells for over $200 a pound (roughly half a kilo), but the disturbing thing is that the price was only about $7 eight years ago
  • It’s thought that the global demand for many rare earth metals could exceed the supply as soon as the end of this year.
  • So how serious is this? Well, China has almost half of the planet’s rare earth reserves. The US holds about 13%, whilst Russia, Australia and Canada also has some stockpiles, so we’re not quite at the critical stage yet. But the writing is very much on the wall for many industries, not just electronics.
Dan R.D.

Qualcomm's Jacobs pushes Internet of Things [14Sep11] - 0 views

  • Qualcomm boss Paul Jacobs has outlined his vision of the future at the company's Innovation event: a world where mobile devices supplant PCs, with his company's chips at the heart of the ecosystem.
  • "The fundamental trend that we all know is that mobile is now the dominant computing platform," Jacobs told attendees. "That's not the future - that's now. The install base of smartphones has already surpassed PCs."
  • That's a sea change which shouldn't be overlooked, Jacobs argued. "There were limitations to how computing happened in the past - now we do it when we're moving around," he explained. "Mobile is everywhere with you - you take it wherever you go. It's about doing things when you have the time."
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  • The vision Jacobs espoused wasn't purely about mobile devices, however, but about the Internet of Things - or, as he terms it, the Internet of Everything. "It's possible that there will be a sea of sensors," he claimed, "and these will all be connected. Is that possible - a thousand radios per person? I don't know," he admitted.
  • "Four out of five mobile connections are in emerging markets," he claimed, "and in many cases it will be the only computing device that they have."
  • It's a project that has far-reaching implications - into retail, gaming, social networking, and healthcare - and one that Qualcomm isn't afraid to open up to its competitors.
  • The company's first step on the road to the Internet of Everything, a software platform for proximity-based peer-to-peer communications called AllJoyn, is licensed under a permissive BSD-style open source licence. "It already runs on multiple operating systems," Jacobs told attendees. "If we're going to enable this Internet of Everything, it can't just be vertically integrated with proprietary solutions exclusive to one manufacturer."
Dan R.D.

Newswire / Millennial Net, Inc. Receives Best Application of Wireless Sensor Networks A... - 0 views

  • “Wireless sensor networks are the enabling technology for key applications in defense, health care, home and industrial automation and energy management. Technology leaders have recognized this fact and are providing high end application solutions for their customers based on advanced WSN technology. The Millennial Net Energy Management System which includes LEM energy sub meters, wireless pneumatic thermostats and numerous other devices allow for monitoring and control of commercial, public and light industrial buildings of several hundred thousand square feet with unprecedented scalability and reliability, leading to substantial energy savings and ROIs of around 1 year,” said Dieter Schill, President and CEO of Millennial Net.
  • This gateway connects the networked devices to existing Building Management System via BACnet or communicates with hosted internet-based application for monitoring and control. The devices are designed to work with legacy HVAC systems, fixtures, and appliances, making it unnecessary to upgrade HVAC equipment to save energy. Energy savings are achieved by improved compliance and energy policy enforcement.
Dan R.D.

Brisbane community weather monitor plugs into the Internet of Things [04Jul11] - 0 views

  • David McCullough has connected up into Pachube’s public platform, to share, store and visualise weather sensor data, using the Opengear ACM5000 smart device server
  • Pachube is a global data brokerage platform for the Internet of Things, managing millions of datapoints per day from thousands of individuals, organisations and companies around the world. By sharing data feeds from and between physical Things, such as environmental sensors, smart meters, building management and process control systems, Pachube provides a globally distributed data ecosystem and application development platform.
  • The Opengear ACM5000’s Linux system under the hood made integrating Pachube API support quick and easy using the free Opengear Custom Development Kit. The ACM5000’s legacy as an industrial-grade, rugged device that is proven and reliable in harsh environments, and wide array of network and data ports, make it an ideal solution to provide network connectivity and data telemetry for things such as weather stations.
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  • Dr Brendan Baker, Business Development Manager for Opengear. “The challenge is both in opening up this mass of data, and turning it into usable information. That way, every day things can make smart decisions based on their environments – say a hot water system that activates only as needed based on learned household habits, or even negotiates a tariff with the gas provider.”
  • . “Opengear smart devices aren’t limited to providing the plumbing to securely connect these systems, they are capable of making the smart decisions at the edge. We are already seeing them rolled out in these kinds of applications, particularly in utilities, security and health sectors and as part of smart cities initiatives.”
Dan R.D.

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."
  • 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).
  • 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.
  • 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.
  • 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.
Dan R.D.

US Trails China In Almost Every Mobile Usage Trend [24Oct11] - 0 views

  • Mobile device usage has spread across the globe. In terms of mobile penetration, the United States is actually on the lower end of the worldwide spectrum, with only 77% cellular device ownership. That seems counterintuitive to the way the U.S. views itself as the heart of mobile acceptance and innovation. It is China and other Asia-Pacific countries that really lead in mobile adoption. Research firm Forrester released a study last week showing global mobile usage trends. In almost every mobile usage aspect, metropolitan China and other Pacific Rim countries lead the way. That includes mobile social usage, work usage and multiple device ownership. Mobile is near an inflection point, changing the way people interact with information around the globe.
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