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Marc-Alexandre Gagnon

Google Wallet goes live with NFC payments - Tech News and Analysis - 0 views

  • Google is finally opening up its near field communication payment system, Google Wallet, today to the public, allowing Nexus S users on Sprint to try out contactless payments through their smartphone. It’s a little later than originally expected and again, with only one handset that supports it, Google Wallet is just the first step in a long process.
  • But it’s a significant one that begins a much broader effort by Google to change both the way people pay for goods in the real world and interact with merchants and retailers. Toward that end, Google announced today that it has struck deals with American Express, Visa and Discover so their cards will also be integrated into future versions of Google Wallet. Initially, Google Wallet launched with MasterCard as its first partner. But now, banks that issue cards through Visa and Discover will soon be able to load up their accounts directly on to Google Wallet.
  • For Google, the wallet initiative signals a new opportunity to market deals and discounts to consumers and allows merchants a new way to reach consumers and strengthen their relationships with them through discounts and loyalty programs. And it enables them to close the loop on transactions, so they can see how effective their marketing is.
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  • That’s what Google is really interested in: Taking a slice of the revenue that comes from increased Google Offers that can be redeemed through Google Wallet. It’s also one reason why the search giant is not taking a cut of the transactions. Instead, Google is trying to exploit the big opportunity in local advertising, taking NFC along for the ride. As an early incentive, Google is throwing in a $10 credit for users to try out Google Wallet this year.
  • Google Wallet in tandem with Google Offers is going to be a big venture in a market that will be hotly contested. Isis, a rival NFC payment system led by AT&T, Verizon and T-Mobile is also preparing to launch early next year. I recently wrote about PayPal unveiling the first glimpse of its offline payment solution, which won’t leverage NFC. Square, a hot start-up, is also capitalizing on the opportunity with mobile card readers, an iPad cash register system and a digital wallet for consumers. The credit card companies themselves are also pushing their own digital wallet programs. This is going to be a crowded market and all these companies, along with a host of smaller competitors, are going to trying to make good on this opportunity in mobile payments.
  • Google Wallet, if you recall from the big unveil in May, is a joint venture with MasterCard, Citi, Sprint and First Data. Users can connect their MasterCard Citibank cards to Google Wallet or load up funds on to a prepaid card in Google Wallet from other credit debit cards.
  • Users can make payments at any terminal equipped with MasterCard’s contactless PayPass technology. Google has struck a bunch of partnerships with retailers and restaurants, who will support Google Wallet and incorporate their own loyalty programs into it. In some of these cases, retailers need to work to enable or upgrade their point of sale systems to handle Google Wallet integration. Partners include Bloomingdale’s, Macy’s, Walgreens, Subway, American Eagle Outfitters, Peet’s and others.
  • There’s still many questions around Google Wallet. Google said it’s talking to other carriers and manufacturers about supporting Google Wallet and including NFC integration, but right now, there are no other Google Wallet handsets to announce. It’s also unclear when other bank cards will be supported directly in Google Wallet though Google said it is talking to banks about adding that functionality. But Google has pitched its wallet as an open platform that anyone can participate in, so the system will no doubt evolve over time.
  • Google still has a long ways to go to pitch consumers on the benefits of paying by phone. As we’ve noted, many consumers are happy paying with a card. Merchants also need to see a reason to step up and make an investment in next generation hardware that can support contactless payments. This is going to take a lot of selling and a good narrative for both parties. Google hasn’t embraced big marketing campaigns in the past though it has enlisted the help of actor Jason Alexander of Seinfeld fame to help tease Google Wallet. It’s going to need a lot more of that mojo to make sure Google Wallet can realize the company’s ambitions.
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+.
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Window into Google's Monopoly Maneuvers: More Internal Skyhook Emails [11May11] - 0 views

  • The initial set of documents from the Skyhook trial (which I analyzed here last week) gave a quick flash of Google's gamesmanship. But examining the larger set of documents from the initial phase of the Skyhook trial against Google is opening a window into Google executives' views on how they sought to reinforce Google's monopoly and collect personal information from its users. These  other batches of documents (see these PDFs here and here from the trial) highlight how Google both recognizes the monopoly nature of location-based services on smartphones and how it can keep extracting private information from users while maintaining a figleaf of "consent." As the New York Times noted in a story over the weekend, the emails flying back-and-forth give an almost minute-by-minute window into the workings of high-tech negotiations-- at least until some legal-aware top managers abruptly killed email exchanges with messages like "Thread-kill and talk to me off-line with any questions."  But in the meantime, we get some quite damning admissions by Google execs on their internal practices.
  • When Motorola and Samsung announced they were going to use Google-rival Skyhook for their location-based services on their Android smartphones, Google on one hand responded in these internal emails by noting the superiority of Google location information precisely because they were maintaining constant surveillance on customers and local wi-fi spots to update their location maps. "We are constantlyre-mapping through our users, which keeps the data re-refreshed," said one email (see p. 44) or, from another manager, the advantage of "the large volume of device distribution that helps the data collection. (see p. 32) Conversely, the managers bemoan the doom if Skyhook gets the business from manufacturers like Motorola and Samsung and Google loses the ability to spy on customer locations through the smartphones. "It will cut off our ability to continue collecting data to maintain and improve our location database.  If that happens, we can easily wind up in a situation we were in before creating our own location database and that is (a) having no access at all or (b) paying exorbitant costs for access."
  • Google managers recognize this market as a classic winner-take-all monopoly situation where controlling more devices let's you control more data which in turn gives you such an overwhelming advantage in providing location-based services that manufacturers will have to use your service.  With Android phones beginning to take off strongly in early 2010, who controlled those location-based services would create a tipping point for control into the future.
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  • these emails show Google explicitly seeking to use bundling as a tactic.  Discussing Google Maps, top Google manager Steve Lee writes:
  • "We are in the process of trying to bundle NLP [Google's location service] with GMM [Google Maps] on Android, just like we do on other platforms...If successful, all GMM android partners will automatically get NLP, at least when GMM is used."(p. 47)
  • But Google had an even bigger bundling club, tying its location-based services to the Android operating system itself, much as Microsoft tried to tie installation of its Explorer browser to its Windows operating system.   By June and July, you see the evidence of Google using that club on manufacturers to knock Skyhook out of the competition.   You have the June email from Motorola to Skyhook telling the company:
  • "As you will see from the language in a note received from Google (relevant text is coped below), Skyhook's implementation of the XPS service on Motola's device renders the device no longer Android compatible."(p. 27)
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    Using email link to comment. Can we turn up the "selective" button e.g. key sentences rather than full paragraphs. Just to see how it reads / looks.
Dan R.D.

Google's Catch 22 - Security vs. Transparency [29Apr10] - 0 views

  • So I think that one of the biggest problems that Google has, taking Google as probably the best example of someone trying to build a reputation currency, is that as soon as Google gives you any insight into how they are building their reputation system it ceases to be very good as a reputation system. As soon as Google stops measuring something you created by accident and starts measuring something you created on purpose, it stops being something that they want to measure. And this is joined by the twin problem that what Google fundamentally has is a security problem; they have hackers who are trying to undermine the integrity of the system. And the natural response to a problem that arises when attackers know how your system works is to try to keep the details of your system secret—but keeping the details of Google’s system secret is also not very good because it means that we don’t have any reason to trust it. All we know when we search Google is that we get a result that seems like a good result; but we don’t know that there isn’t a much better result that Google has either deliberately or accidentally excluded from its listings for reasons that are attributable to either malice or incompetence. So they’re really trapped between a rock and a hard place: if they publish how their system works, people will game their system; if they don’t publish how their system works it becomes less useful and trustworthy and good. It suffers from the problem of alchemy; if alchemists don’t tell people what they learned, then every alchemist needs to discover for themselves that drinking mercury is a bad idea, and alchemy stagnates. When you start to publishing, you get science—but Google can’t publish or they’ll also get more attacks.Read more at craphound.com
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    If Google publishes their secrets then security is compromised. If Google doesn't publish then users trust in them diminishes. If we will never know how Google measures value, then we will never know if there can be a better way?
Marc-Alexandre Gagnon

Why Google TV will win [15Dec11] - 0 views

  • Google Chairman Eric Schmidt caused some raised eyebrows last week when he claimed that by next summer “the majority of the televisions you see in stores” will come with Google TV.
  • Okay, he may have the timing wrong, but I think that Google will absolutely come out on top of this. It will dominate the smart TV world much in the same way it now dominates the smartphone world.
  • I liked some of the ideas behind the first iteration of Google TV, but like everyone else, was disappointed by the execution
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  • Google’s problem was that the company and its two consumer electronics partners built early-adopter devices that were supposed to appeal to the mainstream consumer — and in turn, didn’t do right for either.
  • I was once again a little underwhelmed when the new Honeycomb version of Google TV hit my review unit
  • the availability of apps made a big difference.
  • many are very enthusiastic
  • about the apps they could install on it and the ways they could customize their Google TV experience
  • Combine that with its huge potential for growth in the CE space, and you’ll see why Google TV very likely wins the smart TV race.
  • Five reasons why Google TV will be huge
  • Customization.
  • Third-party app stores.
  • Multitasking.
  • The CE market.
  • Cable boxes.
  • Even if Schmidt is wrong with his assessment, Google always has a backup plan: The company bought Motorola Mobility earlier this year, and as part of the deal also acquired Motorola’s set-top box business. That makes it all but certain that Motorola will eventually ship Google TV-powered cable boxes, which could bring the platform to millions of legacy TV sets.
Dan R.D.

Google Offers is now live in Brooklyn! - The Next Web [09Nov11] - 0 views

  • Google Offers went live in Brooklyn, New York today, much to the happiness of everyone from Kings County to Gowanus. Google Offers, a direct competitor to companies like Groupon and Living Social, first landed in Manhattan this past July with Belgian fries and mango chutney at Pommes Frites. Today, Google’s daily deal service is offering $4 general admission tickets to the New York Aquarium, which is 73% off the normal $14.95 price tag. The Aquarium, which is located just off the Coney Island boardwalk is open year round and features animals such as California sea lions, stingrays, tropical fish, moray eels, penguins, seals, otters, walruses, starfish, sea turtles and sharks!
  • Location Media Microsoft Mobile Sessions Shareables Social Media Twitter Video Editions Africa Asia Australia Canada Europe India Latin America Middle East UK United States Languages France Nederland Polska Portugal Romania Russia Google Offers is now live in Brooklyn: Starting with $4 for SHARKS! 9th November 2011 by Courtney Boyd Myers Google Offers went live in Brooklyn, New York today, much to the happiness of everyone from Kings County to Gowanus. Google Offers, a direct competitor to companies like Groupon and Living Social, first landed in Manhattan this past July with Belgian fries and mango chutney at Pommes Frites. Today, Google’s daily deal service is offering $4 general admission tickets to the New York Aquarium, which is 73% off the normal $14.95 price tag. The Aquarium, which is located just off the Coney Island boardwalk is open year round and features animals such as California sea lions, stingrays, tropical fish, moray eels, penguins, seals, otters, walruses, starfish, sea turtles and sharks!
D'coda Dcoda

Google hidden 'Ad Preferences' page reveals what privacy-row search giant thinks it kno... - 0 views

  • IT has been said that Google knows more about what you like than your own partnerNow the search giant has given a glimpse on just how much information it has collected - and who thinks you are.But it seems the famed Google algorithms are far from infallible.
  • And people taking advantage of the facility that allows the public to view what kind of consumer Google thinks they are have been amused to find themselves listed with the wrong age and even sex.Nevertheless, the knowledge that Google works so hard to profile its 350m account holders is bound to intensify the debate about privacy which flared up again this week with the announcement that the company was going to start tracking users across all of its sites, including YouTube.
  • The detailed personal 'profile' sums up many of a user's interests, along with age and gender.Google builds a detailed profile by harvesting the history of its account holders' visits to sites in its advertising network.But your age and gender are decided by those of other Google users who have visited the sites you visit, leading to the mistakes
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  • One blogger from tech site Mashable found this week that Google's Ad Preferences page assume that she was middle-aged - and a man, simply because her interests included technology and computing.  The profile page, called Ad Preferences, is hidden away inside a settings menu in Google Accounts, but can be accessed directly here. This sort of in-depth profiling raises alarm bells with privacy activists. 'Consumers have increasingly digital lives and they are developing an unfathomably large data trail every day,' says Rainey Reitman, activism director for privacy group Electronic Frontier Foundation. 'There has never been another time in history where privacy was under the kind of assault it is today.'You can opt out of the tracking, or manually edit your details. Google also  does not store information on controversial subjects such as pornography. The Ad preferences page came to public attention following a sweeping change to 'privacy policy' which comes into effect on March 1, although the preferences page was launched some time ago. YouTube data, Gmail information and search data will all be used to build up ever more accurate advertising profiles and also the company claims it will make searches more personalised.
Marc-Alexandre Gagnon

Google Wallet is good for mobile payments, says rival Isis | Mobile - CNET News [10Nov11] - 0 views

  • Michael Abbott, the CEO of carrier-backed mobile payments joint venture Isis, has an interesting take on rival Google Wallet: "It's the best thing that could happen."
  • That's not the sort of thing you would expect to hear from the head of a venture that is planning to roll out its own mobile-payment system, designed to allow consumers to tap their phone on special terminals to pay for goods. Abbott, however, holds a longer-term view of the business, and believes that the entry by multiple parties is a good thing. It generates greater consumer awareness, stirs the various retailers, carriers, handset makers and banks into motion, and generally gets the debate about mobile payments flowing. He doesn't believe there will be any clear-cut winners or losers, and expects to see many options for consumers.
  • "There will be multiple solutions out there, and none of them are wrong," Abbott said in an interview with CNET, noting that "competition is what this space needs."
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  • Isis, which was formed through a partnership involving AT&T, Verizon Wireless, and T-Mobile USA, is attempting to enter the mobile payments business at a busy time. Google has already launched Google Wallet, although it remains limited to one smartphone on Sprint Nextel, and is only compatible with merchants with newer payment terminals. Visa, meanwhile, is attempting to create its own digital wallet. American Express, which has expressed a preference to partner, on Monday said it would invest $100 million in start-ups devoted to digital payments.
  • The approach that Isis is taking is wholly different from Google. Isis is working on a neutral platform that serves as a foundation for other parties such as retailers, credit card issuers and payment networks, who can plug in and offer their own services to their customers. Isis doesn't access any of the customer data. Abbott said it is working with a number of different business models, including charging a rental fee to use the platform, or possibly taking a cut of each transaction. The hope is the platform is valuable enough of a tool that companies will be willing to pay to use it.
  • That's a wholly different approach than Google Wallet, which is largely controlled by Google. Under that model, Google is providing the payment services to retailers, payment networks and banks for free. But in exchange, it gets access to the customer's data, enabling the company to deliver targeted ads.
  • "Free is a price I can't afford," he said, was a common expression among the companies he talks to.
  • Isis started off slowly but has had a few significant announcements in the recent months. The venture managed to strike deals with the four major payment networks: Visa, MasterCard, American Express and Discover, which was the first to sign up with ISIS.
  • Its plans are for a trial to begin next year in Salt Lake City and Austin, Texas. Abbott said he wasn't worried that Isis was falling behind Google's own initiative.
  • Abbott is less concerned about timing because much of the infrastructure is still moving into place. Phones and merchant terminals need a technology called near-field communications to talk with each other. There are few terminals with the necessary NFC chip, and even fewer phones. The Nexus S is one of the few NFC-enabled devices, and is positioned as Google's flagship phone for Google Wallet. The upcoming Galaxy Nexus will also have NFC, as well as a number of other handsets including BlackBerrys.
  • ISIS is focused on building out the system, improving the customer experience, and making sure all of its partners will be ready. That includes the carriers, handset manufacturers, payment networks, banks and retailers, who all must be able to handle or direct a customer complaint if something goes wrong.
  • "We absolutely want to get out fast, but we won't put out anything until it's ready," he said. "The customer experience is infinitely more important than speed."
Marc-Alexandre Gagnon

Google Wallet now Available for Galaxy Nexus on AT&T and Verizon - BriefMobile - 0 views

  • Since it was announced some time ago in 2011, Google Wallet has been completely exclusive to the Sprint Nexus S 4G. Every carrier other than Sprint has opposed the Google Wallet program and blocked it from being installed on their devices as they were preparing their own proprietary NFC payments system called Iris. That didn’t stop people from hacking Google Wallet and installing it onto non-Sprint Nexi, but still, we’d like to see more support from the carriers on this. Thanks to some brand new Android Market discoveries, however, it now looks like Google Wallet is officially available for all Galaxy Nexus on Verizon and AT&T!
  • Head over to the web version of the Android Market and search for Google Wallet. If you’re on a Verizon or AT&T (unlocked GSM) Galaxy Nexus, it now says Google Wallet is compatible with your phone! As a day one AT&T Galaxy Nexus user I can confirm it hasn’t always been this way and this could possibly be the first step towards seeing Google Wallet become a more widespread program. If you try to install from the app version of the Android Market it still says incompatible, so it’s probably in the first phase of rollout. Google Wallet is still apparently blocked for Galaxy Nexus users on T-Mobile, but hopefully that changes soon
  • If you are a Galaxy Nexus user on Verizon and AT&T, let us know in the comments if you successfully installed Google Wallet from the web version of the Android Market. I can confirm that installation worked perfect on my AT&T Galaxy Nexus.
D'coda Dcoda

Location-Based News Filtering - Google News for Mobile has New Feature [16May11] - 0 views

  • Lately, an unofficial Google News Regional app popped up in the Android Market. Now, Google has introduced a location-based content filter for Google News on mobile devices, called “News near you”. Google News for mobile will enable you to keep up with the latest local news, wherever you are.  The new feature in the U.S. English edition will be called “News near you” and seeks to provide you with news relevant to the city you are in and the nearby areas. Back in 2008, Google made the location-based news first available in Google News, and today there is already a local section for just about any city, state or country in the world with coverage from many sources. Google News does their local news a bit differently from others. They employ machine learning to analyse each word in an individual story to understand what location the news is about and where the source is situated. Thanks to Google News’ new feature, you can now find local news on your smartphone.
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#newsrw: Keep the audience interested with interactivity [27May11] - 0 views

  • Paul Bradshaw, visiting professor, City University and founder of helpmeinvestigate.com used the principal of toys to give ideas on developing the data story and explained the importance of  “future proofing the information we are gathering”, saying “that’s one of the big commercial imperatives”.
  • Conrad Quilty-Harper, data mapping reporter at the Telegraph, explained how creating maps adds to a story by using the example of a map on bike sharing schemes he created (though did not publish) using “Google Fusion Tables and a bit of javascript”. He recommends Google Maps and says the trailblazer of a news site using Google Fusion tables is the Texas Tribune.
  • My proudest example” was a live interactive Royal Wedding map which “worked brilliantly for three hours”. It showed some of the best tweets and were geolocated on the map. “We’ve got the data and we’re going to analyse it and do something with it in the future,” he said. “It tells you what people in specific locations were thinking”. The Telegraph would like to use the technology in a crisis news story, such as an earthquake or conflict.
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  • One of the Telegraph’s examples Quilty-Harper gave was a map of what the UK would look like if the 2010 election was decided by people voting under the AV. He said the Telegraph is moving away from Flash graphics, which is not supported by the iPad.
  • “There’s a lot of under used resource” in the UK when it comes to creating maps, Quilty-Harper explained, saying the US is ahead of the game. He gave a tip that the Met office has an amazing resource of data on weather. Federica Cocco is editor of OWNI.eu and demonstrated the power of bloggers, data journalists, activists and graphic designers working together.
  • OWNI considers itself a think tank and as describes what they do as “augmented journalism”.
  • Alastair Dant, lead interactive technologist at the Guardian, gave a run down of how news websites use interactive content.
  • He listed the use of photos, slideshows, the interactive timeline, maps, charts and graphics, open-ended systems or “games”, which are interactive and allow users to make choices about what should happen, for example.
  • His view of the future is one of “lots of screens” as people use phones and tablet devices and of HTML5, which provides cross browser compatibility, overcoming the current problem.
  • Dant’s three tips for making interactive content are: 1. Google Fusion Tables 2. Tableau 3. Dipity, which is for timelines.
  • A question on how interactivity affects the audience and visitor numbers resulted in Paul Bradshaw discussing how many interactive maps and graphics go viral.
  • “With interactivity you get engagement”, Bradshaw said, and people spend a lot more time on the page – five times longer in the case of the data store, Bradshaw said.
Dan R.D.

ePayments Week - Mobile payments target the point-of-sale [26May11] - 0 views

  • Bling's system, you may remember, worked by attaching an NFC-enabled sticker on the back of phones. Users could then tap the phone onto specialized hardware (the Blinger) at the register and Bling could debit the user's PayPal account to pay the merchant.
  • Unless you have a Sprint Nexus S 4G on Sprint, you'll be attaching an RFID tag onto the back of your phone if you want to try out Google Wallet this summer. Google Wallet is an Android app, so presumably even though the RFID hardware is a sticker, the system won't work on any non-Android phones. Even so, Google should be applauded for getting its program rolling without having to wait on the handset makers.
  • Ryan Kim on GigaOm has a good write-up detailing Google's partners in the effort and the likely gains to NFC as the dominant mobile payment platform.
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  • Google plans to bring its own Groupon-like daily offer to a wide audience after its current trial in Portland, Ore., and it will integrate those discounts and others into the tap-and-pay scheme where that works.
Dan R.D.

Google Finally Unveils Major Social Initiatives [28Jun11] - 0 views

  • Google today launched a “limited field trial” of the long-in-the-works social initiatives it is now calling the Google+ project. Google has been rolling out lots of little social products, but this is the first time it has bundled them into a sort of unified vision. The new features are: Circles, a product that helps you segment friends, family, coworkers and other people into different groups; Sparks, a personalized recommendation service; Hangouts, a video chat product; and Huddle, a group chat application.
Marc-Alexandre Gagnon

The Fragmented Future of Mobile Payments - Technology - The Atlantic Wire [07Dec11] - 0 views

  • As with all things Internet, the future of mobile payments is going to be fragmented, making the promise of a digital wallet on your phone a lot less exciting. Having a phone act as a credit card makes things faster, more convenient and might even lead to more bargains. But the way things are panning out, only people who meet very specific cell phone, bank, and credit card company criteria can join in on the fun. Just today, Verizon blocked Google Wallet from its phones, reports The Wall Street Journal's Amir Efrati and Anton Troianovski. So for those with multiple credit cards, or without a Citi Master Card, Google Wallet can't replace a wallet, giving it a major utility handicap.
  • As of right now, Google's mobile payment tech only works on Sprint phones with Citi Bank Master Cards. That applies to a very specific set of people. Of course, Google doesn't have the only digital wallet replacement out there. For everyone else, there's Verizon, who has teamed up with T-Mobile and  At&T to work on its version, Isis, which will begin trials next year, note Efrati and Troianovski. And Visa too is apparently in the works for its own mobile payments system, they add. We also can't forget third party apps like Square, Venmo and ZipPay, which allow users to pay others who have the app using stored credit card information. This almost works as a replacement for the wallet, and would theoretically work better than Google Wallet, if only every single place everywhere accepted Square payments -- but they don't. 
  • So we have two types of fragmentation happening in the mobile payments world. With these "wallet" payment systems, like Google Wallet and Visa's mystery service, the service is only as useful as having that single credit card. And then the system is fracturing on a retailer level. Even with Google Wallet, only stores with the compatible card reader accept it; same with the Square-like services. While the number of retailers accepting Square has grown, as this chart posted by The Atlantic's Alexis Madrigal shows, it can't become a wallet replacement unless every single retailer has it. The same applies to Google Wallet: Not every retailer has the capabilities. Like we've seen with Netflix and streaming movies, the services are nice supplements to cable. But not yet a replacement because they all have somethings but no one has all things. The same can be applied to mobile payments. They all can be used with some credit cards and at some retailers, but we won't leave our wallets at home until we get a cord-cutting equivalent. For now, users either have to load a smorgasbord of mobile payment apps, or settle for the current half-hearted solutions. 
Marc-Alexandre Gagnon

Isis selects Gemalto to manage mobile payments for NFC wallet - Tech News and Analysis - 0 views

  • Isis, the near field communication mobile wallet venture from Verizon, AT&T and T-Mobile, took another step forward with the announcement that it has selected SIM card maker and digital security specialist Gemalto as its trusted service manager (TSM) for the wallet. The deal means Gemalto will manage the secure element on Isis phones, overseeing the transfer of payment credentials from banks and payment services to the Isis wallet application on phones.
  • Gemalto will essentially hold the payment keys for Isis, controlling which service providers are able to tap Isis for contactless payments. It won’t participate in the actual transactions but will enable a host of applications, from payments to coupons and loyalty cards.
  • The deal is an important step for Isis, which is moving ahead toward a launch in the first half of 2012 in Salt Lake City and Austin before a larger nationwide roll out. The joint venture will compete with Google Wallet, which launched in September with partners Sprint, MasterCard and Citibank and First Data as its trusted service manager.
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  • Gemalto is becoming a major player in the emerging market for TSMs. It has signed a deal to become the TSM for Deutsche Telekom and also Singapore’s nation-wide NFC system. It has also secured TSM deals with Barclaycard and Orange. Sebastian Cano, SVP Telecommucation for Gemalto, said the company has 45 NFC projects underway but the Isis deal would be the largest.
  • “The secure element will not be an open asset to allow people to write content to it or it will lose the first portion of it birth name,” said Hughes. “Any suggestion that a secure element is an SDK that sits on top of an open OS is a fanciful argument.”
  • I asked Ryan Hughes, the CMO of Isis, about the situation and he declined to comment on the Verizon situation. But he said that the secure element must be managed by a TSM and the owner of the device, which will be the carriers in the case of Isis. Creating a completely open situation where any company or developer can access the secure element would not be safe or practical, he said.
  • The deal is interesting because it follows word last week that Google Wallet has not been enabled to run on the Galaxy Nexus, Google’s flagship Android device which is expected to go on sale soon with Verizon. Verizon said it has not blocked the NFC application but is working on commercial talks with Google, which many have interpreted as Verizon holding back the wallet until its own Isis payment tool is available.
  • That suggests to me that we shouldn’t expect to see Google Wallet instantly enabled on Isis phones. It can still happen eventually and Verizon makes it sound like it’s just a matter of working things out with Google. But each Isis carrier will be able to decide what service provider gets access to their secure element, and it looks like it will not be a free-for-all. That makes sense on some level for security reasons but my hope is that ultimately, Isis members won’t find reasons to keep Google Wallet or other competing applications off their phones for too long. The NFC wallet market is just emerging and it will be good to have competition and options for consumers.
Marc-Alexandre Gagnon

Verizon, AT&T and T-Mobile Invest $100M in Google Wallet Competitor [REPORT] [29Aug11] - 0 views

  • Verizon Wireless, AT&T and T-Mobile are planning to invest more than $100 million to take on Google with Isis, the companies’ mobile payment project, according to a report.
  • Isis, which the three carriers announced last November, is a mobile payment system that uses near-field communication. The three companies hope that it will be a viable competitor to Google Wallet, a NFC solution from the search engine giant that is rolling out in the market this year.
  • According to Bloomberg, the three carriers have earmarked $100 million for the venture. Previously, no funding had been announced.
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  • In addition to enabling mobile payments, Isis would also let consumers redeem coupons at the point of sale. Isis has built partnerships with the top credit card firms — Visa, MasterCard, Discover and American Express — to make that possible. The service is expected to roll out sometime in 2012.
  • Meanwhile, Google unveiled Google Wallet in May. A range of merchants, including CVS, Petco and 7-Eleven now accept Google Wallet for payment.
Dan R.D.

Google's Big Bet on the Mobile Future - NYTimes.com [15Aug11] - 0 views

  • Google made a $12.5 billion bet on Monday that its future — and the future of big Internet companies — lies in mobile computing, and moved aggressively to take on its arch rival Apple in the mobile market.
  • The Silicon Valley giant, known for its search engine and Android phone software, rattled the tech world with its announcement that it would acquire Motorola Mobility Holdings, allowing it to get into the business of making cellphones and tablets.
  • The deal, which requires regulatory approval, would also give Google a valuable war chest of more than 17,000 patents that would help it defend Android from a barrage of patent lawsuits.
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  • “Computing is moving onto mobile,” Larry Page, Google’s chief executive, said in an interview. “Even if I have a computer next to me, I’ll still be on my mobile device.”
  • But it is far from clear that Google, a $179 billion business largely built on sophisticated search algorithms and online advertising, can transform itself into a device maker. The business is costly, and the margins are slim, said Jordan Rohan, an analyst with Stifel Nicolaus.
  • “This is an emphatic exclamation point that Google is a mobile company,” said Ben Schachter, an analyst with Macquarie Capital. “It shows how important Android is to Google.”
  • Shares of Google fell 1.16 percent on Monday, to $557.23, while shares of Motorola Mobility added 55.78 percent, to $38.12.
Dan R.D.

Facebook, Google: Welcome to the new feudalism [10Sep11] - 0 views

  • In the modern web, Google and Facebook are the feudal lords and people are the peasants — at least when it comes to control of the photos, comments, 'likes' and other data that each person posts online.
  • "The users contribute their own content to you for free. You sell it back to them with banner ads put on there. And on top of that, you spy on them to gather profiling data," says Michiel de Jong, of the Unhosted project to decentralise user data.
  • As your friends talk to each other, they feed Facebook data about how information flows between its users. It's likely that your friends will have their own friends and will talk to them as well. Every time these first- and second-level contacts interact, it gives Facebook more pointers to where you fit within your network. To you, it's a bunch of your mates; to Facebook, it's an expanding cloud of data to be harvested.
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  • According to Metcalfe's Law, the value of a communications network is proportional to the number of users connected to the system.
  • Mistrust People mistrust this handing over of their data, in much the same way IT managers have concerns about uploading their enterprise's data into the cloud, or web users have misgivings about Gmail and Yahoo automatically scanning their emails.
  • Privacy concerns Meanwhile, Facebook has responded to people's concerns about their privacy on its network by providing more tools for adjusting privacy settings. This does not go far enough, according to de Jong. Read this Why Google+ may change the web for good Read more "If a building company put up a tollway and made drivers cede ownership of their cars whenever on that tollway, the traditional justice system would prohibit that," he argued. "Yet this is exactly what is happening on the 'information highway', and the situation is largely overlooked by justice departments, who still live largely in a brick-and-mortar world."
  • Methods of controlWhat makes this modern feudalism powerful is that the key parties are keeping their methods of control from the users.
  • Neither company openly gives details to users about how their data is being used. We never see inside Google's algorithms, or gain a view of how our connections interweave with every other person on Facebook, but their services see all.
Dan R.D.

It's official: Google wants to own your online identity [29Aug11] - 0 views

  • What kind of services is Schmidt referring to when he says that Google is looking at Google+ as an identity platform that could support other services? Dave Winer thinks that the company wants to effectively become a bank — something he also suspects that Apple and Amazon are interested in as well — and that’s definitely a possibility. Apple and Google both seem interested in NFC technology (near-field communication), which turns mobile devices into electronic wallets, and having a social network tied to an individual user’s identity would come in handy. Ross Dawson says Google wants to build a “reputation engine” using Google+ as a platform.
Dan R.D.

Twitter and the Global Brain - 0 views

  • In fact, judging by Twitter’s Trending Topics, the re-tweeting process does not point to either good, or important content. Of course, it may not be right to assume that a global brain will be smarter, and real significance will be lost in the tsunami of celebrity drivel.Amplify’d from docs.google.comBut recent evidence in neuroscience shows the truth is actually an interested twist on this idea - a twist that could have important implications as a model of how global consciousness could emerge from real-time social media like Twitter.In reality, synapses are modified according to a rule called Spike Time Dependent Plasticity (STDP).   In a nutshell, STDP says that if two neurons fire (= spike) in rapid succession, the  connection from the one that fires first to the one that fires second will be strengthened.users could be automatically steered towards following folks who are the first to post content that will interest them - towards those who are considered the ‘thought leaders’ you might say.  And content creators who work hard to be the first to find and tweet interesting content will be rewarded automatically with a growing list of followerscontent generators on Twitter will compete to be the first to create good content or break important news
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