How Mobile Can Bridge The Digital And Physical Worlds In New Ways [01Jun11] - 0 views
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appending real-world purchase information to its treasure trove of online behavioral data will vastly increase the value of customers’ profiles and increase the rates Google (NSDQ: GOOG) can charge its advertisers. It will be a way for Google to increase its local presence. NFC (near-field communications) is too often equated simply with payments, but Google understands that NFC tags have broad application (working like Quick Response [QR] and other 2D barcodes do today). Google can help retailers use NFC tags for in-store promotions and check-ins, augmenting the understanding of customer behavior for ad targeting.
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Numerous players—from Internet pure players to operators and retailers—are embracing the mobile/social/local combo. Unifying the online and offline worlds via mobile will create long-term market disruption. There are plenty of new opportunities opening up if you center your approach around the notion of context, trying to invent new product and services that will tie together places, brands, and consumers. Think about mobile augmented reality. At the end of the day, it is all about facilitating the discovery and understanding of information around you.
Startup Tweets You Offers Based On Where You Check In [11May11] - 0 views
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The latest wave of social networks document, photograph and broadcast your every move, opening an unprecedented opportunity for small businesses and big brands alike to target consumers based on their whereabouts and activities.Local Response wants to help businesses collect and respond to their customers’ public posts. The platform scans Twitter for explicit checkins to locations, like on Foursquare, as well as natural language that indicates location (ex. “I’m going to…”), and responds with Twitter @mentions on behalf of businesses. Messages most often include a coupon or offer in a bit.ly link.In other words, when customers check into a store on Foursquare, the store can send them a coupon while they are there. If customers tweet a photo through Instragram from a competing store, they might get the same coupon.
Mobile Apps Must Die [24Sep11] - 0 views
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Too much trouble The problem with apps, and by this I mean native apps that must be downloaded to your phone, is that they are just becoming too much trouble to organize and maintain. It's just not realistic to have an app for every store you go to, every product you own and every website you visit. This creates an ever increasing set that must be curated, organized and culled. It's a common task we all perform, removing old and unused apps every few months, effectively garbage collecting our phones. Very organized folks relish the opportunity to tidy their burgeoning app menagerie but most can't bother and their home pages scroll into a receding haze of choices.
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Movie posters with radio tags such as RFID or NFC will allow me to get an interactive version of the poster on my phone to show me more information
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Any consumer item, such as ketchup or milk bottles, also with radio tags, will allow me to not only get more information on these items just like the poster, but also track usage and even offer to purchase replacement items
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Part 2 - Facebook, Google: Welcome to the new feudalism [10Sep11] - 0 views
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Local data Alec Muffett is working on a scheme called the Mine Project. This aims to give consumers a local place to store their credentials and sensitive data, so they can choose which services they want to expose the data to.
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"I believe the structure of the internet encourages individuals to host their own data. In some ways, it's a little unfortunate that everyone thinks it's easier to have a big company do it on their behalf, but it's entirely understandable," he says.
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"It's a karmic cycle," he says. But sooner or later it is going to swing the other way, and people should prepare for an age when their data is once again their own, he argues.
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The Smart Grid Offers a Glimpse into the Internet of Things [18Oct11] - 0 views
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Smart Grid deployments are not only delivering improved energy security, grid reliability, and consumer control to us, they are bringing the Internet of Things closer to reality. The Internet of Things (IoT) is defined in the Smart Grid Dictionary as a conceptual description of the ability to connect any objects with an IP address and some level of embedded intelligence to the communications network. Embedded intelligence can include localization, sensing, identification, security, networking, processing, and control.
Finextra: Citi mobile payments head Chu quits for LivingSocial [02Dec11] - 0 views
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Dickson Chu, the high profile and often outspoken head of digital and mobile networks at Citi, has quit the bank to join daily deals outfit LivingSocial.
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Chu joined Citi from PayPal less than two years ago with a brief to kickstart the bank's mobile payments programme. Unusually for the conservative banking industry, Chu was prepared to speak his mind and was an unashamed advocate of the Google Wallet venture.
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Citi is currently the sole banking partner for the search giant's mobile payments operation, which is straining to make a mark on the high street ahead of the forthcoming launch of a rival programme by the Isis carrier consortium.
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Coming Soon to a Coffee Shop Near You: NFC-Powered Foursquare Check-ins [28Nov11] - 0 views
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To enable NFC-powered check-ins, establishments need to display a sign or poster containing an NFC tag that points to their venue's Foursquare listing URL. Nokia's developer blog has some resources on getting started with NFC tags. Signs like this not only enable people to check-in with less effort, but can also provide a visual, real-world call to action. For non-power users of location services like Foursquare, it can be pretty easy to simply forget to check in to a restaurant or other local business. Having that sign hanging there can provide a mental trigger. Business owners can also use the opportunity to push promotions and deals, offering discounts or free products to the mayor or anybody else that checks in. Admittedly, the average person has no idea what NFC is right now. But it's almost universally predicted to reach mainstream adoption within a few years, quite possibly replacing our wallets and keys at some point in the future. NFC is already included on a number of Android-powered handsets and is rumored to be coming to the iPhone 5 next year.
iPad App of the Week: Aurasma is an Augmented Reality Treasure Hunt [26Nov11] - 0 views
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What geocaching is to the physical treasure hunt, Aurasma should be to the virtual one. With Aurasma, the treasure isn’t physical – it exists only in the digital world. Take your iPad with you around town and check out the app to find locations near you where Auras can be found.
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Once you’ve found a location, look at it with your iPad and the app to see an augmented reality surprise, which could be anything from an e-greeting to a picture to an animated video.
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For example, friends could create greetings and put them in the front of your house. You’ll be able to see them by going outside and looking at your house using the app. You can create Auras, too, either for friends or the general public to go out and discover for themselves.
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Who Will Control the Internet of Things? (AAPL, GOOG, IBM, IDCC, MMI) - 0 views
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Apple (Nasdaq: AAPL ) filed a patent at the tail end of 2009 dubbed "Local Device Awareness," which describes automated connections between a number of close-range devices. Some potential applications could be device position targeting (think locating your keys) or proximity-based gaming.
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If Apple's patent seems overly broad, patent hoarder InterDigital (Nasdaq: IDCC ) has gone for specificity. It holds some 33 known patents covering machine-to-machine communication.
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Motorola and Google seem to be behind in patents, with only one highly technical machine-to-machine patent showing up for Motorola Mobility, and none for Google. But as you'll soon see, the two companies might be hoping for a more open environment.
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PayPal's Don Kingsborough: in-store payment is ours to lose - 0 views
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Don Kingsborough could have called it quits. The man who founded Worlds of Wonder Toys, famous for Teddy Ruxpin and helping lead the introduction of Nintendo in the U.S., and the former president of of consumer products at Atari, was just winding down his time last year at Blackhawk Network, a pre-paid card company that he had sold to supermarket Safeway. With his options expiring, he decided to sell and contemplated retirement.
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But then PayPal came calling, and Kingsborough couldn’t resist the opportunity to make one more big stab at shaking up the retail world. Kingsborough joined PayPal in March 2011 as VP for retail and prepaid products, heading up PayPal’s efforts to launch an in-store payment system.
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In his first extensive interview since joining PayPal, Kingsborough said he wasn’t just interested in extending his career; he saw a huge chance to fundamentally change the way people shopped in retail stores as digitalization moved payments beyond cash and credit. And he believes that PayPal is uniquely positioned to bring that vision to market.
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AmEx Puts $125M In And Partners With Chinese Mobile Payments Company Lianlian To Licens... - 0 views
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American Express is making a significant move in the expansion of its digital wallet, Serve to international markets today. The credit card company is announcing the first global partnership for Serve with Lianlian Group, of of China’s leading mobile payments providers. Additionally, AmEx has also made an equity investment of $125 million in LianLian Pay.
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Group President for Enterprise Growth for American Express Dan Schulman tells us in an interview that American Express has come to realize that in a lot of fast growing economies internationally, people move money in different ways and in order to enter these markets, the company has to think beyond just plastic cards and checks, and consider moving straight to mobile platforms.
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AmEx is generally predicting China to be a huge market for its mobile and digital payments products and is planning to open a new American Express’ Enterprise Growth Group office in Hangzhou, China. The China-based team will provide technical and consulting support to Lianlian Group on the Serve partnership, and the new outpost will be headed by Matthew Lee, President, Enterprise Growth, American Express, China.
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Great mobile payments and branchless banking Videos - a limited collection - 0 views
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It is often said that a picture paints a thousand words - well if that is the case, I suppose a good video can write a book. In the early days of mobile banking some crude mobile banking video's were made - a clear indication that the product specialists could not describe what they wanted to build to the video producers. But since a few years ago, some brilliant little video-clips were produced - either to advertise a new service or to inform or educate stakeholders. Below are some of the best clips that I know of:
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The first mPesa advert (according to rumour produced on a very small budget). (Watch here) One of my favourite adverts, ever, is the one used for the launch of the product (Watch here). Telenor has subsequently produced a few more masterpieces (Watch here and here). The documentary produced in collaboration with the Worldbank for Wizzit in 2007 was also one of the great videos (Watch here) A delightful little ad (that I really enjoy) was produced for MTN in West Africa in 2010 (Watch here) Great Airtel Money ad (Watch here) Using local comedians in a series of adverts for mKesh in Mozambique was very successful (Watch here and here) A simple, but very cute advert for BSP bank in PNG, was produced recently (Watch here) The energy and pace of the Gemalto advert for their NFC product is a lot of fun (Watch here) And many others (Watch here, here, here and here)
Obama, Romney Campaigns Adopt Mobile Payments For Donations | Gadget Lab | Wired.com - 0 views
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“Eventually we want to make a version of the Obama Square application available to everyone from within the App Store,” Katie Hogan, an Obama re-election campaign spokesperson told The New York Times. “Someone who is a supporter of the campaign can then download the app, get a Square attachment and can go around collecting donations.” The app will collect information such as the donor’s name, address, occupation and employer.
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A representative of Republican presidential hopeful Mitt Romney told the Times that Romney’s campaign will begin beta-testing Square during Tuesday’s primary election in Florida.
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“We’re going to be testing it in Florida tomorrow night to see how it works and then hope to roll it out to the rest of the country,” Zac Moffatt, the Romney campaign’s digital director said. “Anything that reduces the barrier to donate is going to help us with our supporters.”
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American Express Buys Virtual Currency Monetization Platform Sometrics For $30M | TechC... - 0 views
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Exclusive: In a push to boost its payments platform for the gaming industry, American Express, has acquired virtual currency platform and in-game payments provider Sometrics. The total deal value is $30 million, but both parties declined to reveal further details about the split between cash and stock. Sometrics will become part of the Enterprise Growth Group, and will be used within American Express’ Serve digital payments platform to incorporate virtual currencies and loyalty programs.
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Sometrics helps gaming publishers market free-to-play online games and monetize virtual currency with a consumer destination site and in-game payment solutions. Sometrics’ in-game payments platform basically powers virtual currency transactions and payments for game publishers. Sometrics also serves users with targeted offers based on their location, demographic, conversion history and social affiliation.
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The company currently supports dozens of payment options (including mobile carrier infrastructure and credit card support) and hundreds of brand engagement ads, reaching a total global audience of more than 225 million consumers in more than 200 countries. And through Sometrics’ analytics capabilities, developers are able to view and analyze which audience demographics are responding to which payment options, respond by pushing traffic to the options that convert best, and optimize those conversions to help maximize revenue. Current gaming partners that use Sometrics include Nexon, NHN USA, IMVU, PopCap, BigPoint, Habbo, and many others.
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American Express To Release An API For Digital Wallet Platform Serve; Focuses On Data A... - 0 views
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Over the past year, American Express has been making several key payments partnerships with technology companies and launched its take on the digital wallet, Serve. Serve integrates a variety of payment options into a single account that can be funded from a bank account, debit, credit or charge card. The company has also landed a number of lucrative carrier partner deals for Serve. Separate from Serve, American Express’ recent partnerships in the payments space include Foursquare, Facebook and even Zynga for personalized deals. We sat down recently with Harshul Sanghi, American Express’ new VP of Enterprise Growth Group to chat about Serve, the digital wallet and how the company plans to dominate the payments space.
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Sanghi, who was formerly the Managing Director of North American venture activities for Motorola, joined AmEx in September. His focus is on further developing the Serve brand and forming these partnerships that help expand the card member base into new segments.
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Sanghi explains that while every payments company (including even Google) and credit card company is releasing their own version of the digital wallet, it’s whats in the wallet that’s truly important. “The wallet that has the most brand partnerships is what customers are going to gravitate too,” he says. And this wallet needs to tie in seamlessly with loyalty programs, and virtual currencies, which is why AmEx bought virtual currency monetization platform Sometrics a few weeks ago. And the wallet needs to store offers and deals as well so that consumers don’t have to carry around coupons or discounts to a store.
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PayPal tests NFC payments app - 0 views
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PayPal is testing an NFC mobile payments application at two stores in Sweden while it continues to look for ways to expand access to its payments services.
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PayPal has been experimenting with NFC for a while and recently incorporated NFC into the latest version of its Android app to enable peer-to-peer payments with two mobile phone users tapping their phones together to transfer money between them. The NFC payments app test is running in conjunction with two Swedish retailers and the Swedish developer Accumulate over a five day period.
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“There has been some confusion out there,” said Anuj Nayar, director of communications for PayPal, San Jose, CA. “We are not anti NFC.
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PayPal unveils NFC Android-to-Android payments - Tech News and Analysis - 0 views
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PayPal today unveiled a new peer-to-peer payment functionality that allows Android users to pay each other by tapping two near field communication (NFC)-enabled devices together. The feature, which follows an earlier contactless PayPal payment tool using Bump Technologies, shows how PayPal is gearing up for NFC as part of its larger push on mobile payments.
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The payments work through a PayPal widget that allows a user to request or send money. A user enters the transaction information and then taps their phone up against another phone also equipped with the same app. After the phones buzz together, the recipient can decide to send or receive money by entering a PIN number.
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PayPal’s new mobile payment service will only work currently in the U.S. with the Samsung Nexus S from Sprint and T-Mobile but will expand to other Android phones that include NFC functionality in the future. The transactions utilize an encrypted token and don’t access the secure element inside the NFC chip, where payment credentials reside. It appears this is set up for just peer-t0-peer transfers, which is still a big part of PayPal’s mobile payments business.
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PayPal pitches its wider vision for mobile payments - Tech News and Analysis - 0 views
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PayPal has been a powerhouse in online payments but it hasn’t really cracked the much bigger market for payments for goods in the real world. Now, the company is starting to show off how it can put all of its components and recent acquisitions together to form a broad tool for mobile payments.
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PayPal hosted a partner event for retailers yesterday and began explaining how they’ll be able to implement its tools for in-store payments. The big reveal will happen next month at PayPal’s developer conference in San Francisco, but the company showed a glimpse of how it’s marshaling its resources. It’s important for PayPal to step up with a compelling offering because the mobile payments market is getting crowded with options like Square, Google Wallet and upcoming services like Isis from the cellular carriers and digital wallets from credit card companies.
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Scott Thompson, president of PayPal, said in a blog post the company is looking to be a one-stop shop for merchants to help them address every part of the shopping lifecycle. OK, that’s a bit of jargon, but it means PayPal is going to help push out targeted advertising, help with in-store discovery and improve transactions with a handful of options.
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Google Wallet goes live with NFC payments - Tech News and Analysis - 0 views
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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.
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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.
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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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