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A Week on FourSquare [wsj.com] by the Wall Street Journal deciphers the worldwide data behind the emerging location-sharing service Foursquare for the week in January 2011. The different visualizations available include an obvious heatmap of San Francisco showing where the most 'check-ins' occurred, a list revealing the distribution of the most popular venues world-wide, a line graph contrasting the differences between men and women in terms of their most preferred locations, and a categorically ordered list of the most popular locations by their absolute check-in frequency. You can read the accompanying news article here.

We observed the emerging trend of online dating among today’s tech savvy generation and in order to simplify it, we decided to launch Dates Near Me, a free mobile dating service which caters towards the requirements of today’s generation. The iPhone dating application works by broadcasting the location of users based on GPS signals that permit them to find nearby singles and meet up right away if they desire. “Begin your search to find a like-minded companion, friend, lover or date using DatesNearMe mobile phone dating application on your iPhone and Google Android. With the singles showing an ever increasing desire for on the spot gratification, we realized the importance of mobile dating technology”, remarked the CEO of DatesNearMe.com Few reasons that make DatesNearMe better than any other mobile dating application are: 1. Highest level of privacy and security settings so that you can flirt with comfort. 2. Find singles around you with the help of our map view or list view. 3. 100% Free. Definitely no charges or catches. 4. Filled of features with high user friendliness. 5. Create your profile in less than no time. Just a few clicks if you update from Facebook. 6. Add users to your hot List, and see who has added you to theirs. 7. Easily flirt with hotties with winks, smiles and live messages.

12.7 million check-in done on smartphones in March 2011, says comScore report Nearly 17 million US mobile subscribers used location-based 'check-in' services on their phones in March 2011, found a new study by comScore.The study showed that users have done 12.7 million check-in on smartphones, representing 17.6% of the smartphone population.The check-in service users, representing 7.1% of the entire mobile population, showed a high propensity for mobile media usage, including accessing retail sites and shopping guides. They also displayed other characteristics of early adopters, including a stronger likelihood of owning a tablet device and accessing tech news, when compared to the average smartphone user.

The research firm said that of the 16.7 million people using check-in services on their mobile devices, 12.7 million (76.3%) did so via a smartphone device.Android accounted for the largest share of check-in service users with 36.6% checking-in from an Android device, while 33.7% of users checked in from an iPhone. Apple had the highest representation relative to its percentage of the total smartphone market.RIM accounted for 22% of check-in service users, while Microsoft, Palm and Symbian each accounted for less than 5%.The study showed that more than 95% of check-in service users used their mobile browser or applications. Nearly 62% accessed news. Check-in user behavior was also consistent with that of traditional early adopters, with 40.3% of users accessing tech news and 28.2% owning a media tablet, both significantly higher than average.

Further, check-in service users also showed a high propensity for accessing retail-related destinations on their mobile devices. Nearly one-third of users accessed online retail sites on their mobiles, while one-fourth accessed shopping guides.Check-in service users were also more likely to be exposed to mobile advertising, with nearly 40% recalling seeing a Web or app ad during the month, compared to just 27.5% of smartphone users.

Last year, he co-founded (with Ed Lucero) a company called Tackable to develop his ideas, and in February, we described here Tackable’s first product: a pair of iPhone apps that Tackable envisions as the basis for a social network that “organizes media on a map.” Now Tackable has rolled out, in partnership with the newspapers of the Bay Area News Group, something much more complex and ambitious: an iPad app called TapIn BayArea, which Stangel describes as “the world’s first location-aware digital newspaper.” TapIn, at launch, is already an impressive, sophisticated product that shows potential to evolve in multiple ways. And its ability to engage users at various levels bodes well for its capacity to generate revenue.

Square's chief operating officer Keith Rabois went against the grain this week and questioned whether there was any value to be had by implementing near-field communications (NFC) for mobile payments.

He may have a point that the particular technology matters less than the mobile wallet itself.

To name just three: Merchants can administer reward and loyalty programs more efficiently if they're managed through phones rather than on rubber-stamped cards. Merchants can deliver location- and time-specific coupons if they are acquainted with a customer's phone. Placecast is showing how you can deliver offers within a geofenced area. Merchants will also have the opportunity to move discounts quickly if they need to clear inventory. All of that is theoretically possible today with Twitter, but first you have to get them to follow you. Once someone has paid with their phone, presumably it's a lower barrier to get them to agree to receive offers via that phone. Merchants can dynamically steer customers to their best payment option. If PayPal offers a lower percentage for a period than the merchant's credit card service, the merchant can offer products or services at a discount and let the customers choose on their devices.

PayByPhone, a leading international provider of systems for parking and urban mobility payments, has announced one of the largest deployments of near field communications (NFC) payment solutions in the world. The San Francisco Municipal Transportation Agency (SFMTA), which selected the PayByPhone mobile payment system for parking, is currently adding NFC-enabled stickers to the city's 30,800 parking spaces to give drivers the option to pay for parking with NFC-enabled mobile phones in addition to mobile apps and mobile web for regular phones. All parking meters continue to accept payment with coins.

The PayByPhone system, already deployed in the Castro district will be extended citywide as installation of the stickers is completed. The PayByPhone NFC sticker has a passive electronic chip that does not require a battery and stores information such as the parking space number that can be read wirelessly by any NFC-enabled phone.

Since each meter in San Francisco will have a PayByPhone sticker, users can simply wave or tap their NFC-enabled phones over the NFC sticker on the meter to automatically launch the parking application. The mobile payment system recognizes the user, identifies the individual parking location, and the driver enters the desired parking time to complete the transaction. The system then sends a text message reminder before the parking period expires, and if needed, allows additional time to be purchased by phone from any location (subject to time limit restrictions). A receipt is automatically sent to the user's email account. Payment is processed against a credit or debit card associated with the mobile phone number.

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.

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.

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.

PayPal’s first retail tests of its in-store payment system is happening at Home Depot, the payment company acknowledged last week. But the bigger test will be ensuring that many more retailers and merchants are in a position to easily integrate PayPal’s system as it looks to roll out its offering this year.

PayPal is taking a big step forward by partnering with AJB Software Designs, which helps connect the point of sale terminals at many tier-one retailers to payment processors and financial institutions. AJB is now incorporating PayPal’s mobile payment system into its framework and building out a specific PayPal interface, which will allow PayPal users to pay through 250,000 point-of-sale terminals that connect to AJB software. AJB said it services 20 percent of the top retailers in North America. The AJB integration should be become available to retailers in the first quarter of this year.

Retailers will still have to decide if they want to enable payments via PayPal. And the process of outfitting stores and chains can take anywhere from days to weeks. But if they choose to make the software upgrade, retailers will be able to receive payments via a PayPal Access Card or through an “empty hand” payment in which a user accesses their PayPal account by entering in their phone number at a point of sale terminal. In both cases, they will need to confirm a transaction with a PIN code and then AJB’s software takes the request and pings PayPal, which authenticates the user. PayPal can send back coupon information or deals stored on a user’s PayPal app, which the user can then decide to apply before selecting their payment form and checking out. After the transaction, users will receive an e-receipt on their PayPal app and online in the PayPal account.

The so-called digital wallet made important strides in 2011, sometimes eliminating the logistical need for paper vouchers, mobile apps, QR codes, and even cell phones.

At times this transition seems to be sneaking up on us. Earlier this month, thousands of merchants nationwide didn't know they had gained foot traffic and sales thanks to American Express and Foursquare. Amex rewarded consumers who synced their credit cards with their Foursquare accounts with $10 back if they spent the same at local businesses after checking in with the geo-social app. That effort followed up a successful post-Black Friday stint dubbed "Small Business Saturday," when Amex users checking in on Foursquare could get a $25 credit if they spent $25 with a local merchant.

Jake Furst, a business development director at New York-based Foursquare, said there was little to no organizational outreach to local businesses. "The merchants didn't necessarily know what was happening as we drove customers to their locations," he explained. "Small Business Saturday was a huge success. We got a ton of interest from Foursquare users and Amex card holders that didn't know about Foursquare yet."

Mobile banking will continue to grow next year across a multiple fronts. Not only will more banks jump into mobile with optimized sites and application, but financial institutions will also build their existing mobile programs with a variety of new services.

Much of the interest in mobile banking is being driven by consumers, who tend to interact more with a mobile banking solution than they do Internet banking. On average, customers use a mobile banking app three times per week and only use traditional Internet banking two times per week, according Malauzai Software.

“We see a demand for mobile via the application and text messaging,” said Jim Simpson, vice president of information technology at City Bank Texas, Lubbock, TX, which has over 30 locations across Texas.

PayPal has been a powerhouse in online payments but it hasn’t really cracked the much bigger market for payments for goods in the real world. Now, the company is starting to show off how it can put all of its components and recent acquisitions together to form a broad tool for mobile payments.

PayPal hosted a partner event for retailers yesterday and began explaining how they’ll be able to implement its tools for in-store payments. The big reveal will happen next month at PayPal’s developer conference in San Francisco, but the company showed a glimpse of how it’s marshaling its resources. It’s important for PayPal to step up with a compelling offering because the mobile payments market is getting crowded with options like Square, Google Wallet and upcoming services like Isis from the cellular carriers and digital wallets from credit card companies.

Scott Thompson, president of PayPal, said in a blog post the company is looking to be a one-stop shop for merchants to help them address every part of the shopping lifecycle. OK, that’s a bit of jargon, but it means PayPal is going to help push out targeted advertising, help with in-store discovery and improve transactions with a handful of options.

With more than 200 million mobile users, Facebook and its currency platform Credits is poised to be the future of how we pay for both virtual and physical goods.

Right now there are various different technologies and start-ups actively looking at ways to penetrate the mobile payments market. Each company has taken a different approach, from digital bar codes to near field communication (NFC).

Introduced in May of 2009, Facebook Credits was originally designed as a virtual currency to allow people to make purchases within games and non-gaming applications on the Facebook platform.

For those of us who have grown accustomed to purchasing things from our laptops, tablets and smartphones, the experience of walking into a physical store and standing in line can get tiresome. It's hard to top the immediacy and convenience of online and mobile shopping. Yet, there are still plenty of items that are best purchased in person.

Apple hopes to bridge the gap between these digital and physical worlds. The company just released an update to its Apple Store app for iOS. Using the application, customers can not only purchase Apple products like they can on the Apple website, but they can now opt to pick them up in person at one of the company's many retail locations.

The app can also be used as a sort of self check-out scanner for certain accessories in Apple stores. Need a new case for your iPhone or a power adaptor for your MacBook? Now you can scan the item with your phone's camera, pay for it in the app and be on your way.

Yelp and Groupon are both being sued by a company called Mobile Commerce Framework, an obscure patent troll that earlier filed a similar patent infringement suit against Foursquare.

On April 6, 2010, Mobile Commerce Framework (MCF) was issued US Patent No. 7,693,752 by the USPTO, for reasons unknown to mankind. In summary, this patent describes:

a subscription-based system for providing commerce information for one or more mobile devices for one or more merchants. Some techniques employed feature a subscription-based method for presenting commercial resources to a mobile device. The method involves receiving mobile device user information relating to a geographic location to locate one or more merchants within a subscription-based shopping network, and receiving mobile device user information relating to a merchant type within the subscription-based shopping network.

Come November, the world's second largest mass transit company will let its riders pay for trips by waving their cell phones at the terminal. The Deutsche Bahn, Germany's main railway operator, began implementing its Touch&Travel mobile payments system in 2008 and expects it to be ready within two months.

The system will rely on near field communications (NFC) chips contained in customers' mobile phones to handle the payment transactions for each trip. Alternatively, riders can pay with their phones by scanning a QR code at the beginning and end point of their ride.

Touch&Travel mobile apps are available for iPhone and Android-based smart phones. "In addition to using NFC or barcodes to provide location information, smartphone apps can use GPS or the user can type in a location ID number," writes NFC World. Riders will be billed for their transit usage at the end of each month.