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Dan R.D.

10/04/23 Back to the "SMS" Future - Twitter Buys A Text Messaging Company - 0 views

  • Twitter was born as a text messaging service; tweets are 140 characters because that is the length of a text message, minus a few characters for the author’s name.Today, though, most people in the United States think about Twitter as a Web tool, and they use it either online or via smartphone apps.But Twitter has not forgotten about all the people in the world who do not have fancy phones. On Friday, the company announced that it had acquired Cloudhopper, a Seattle text-messaging start-up.There is “untapped potential” with Twitter text-message use “Mobile is clearly where the majority of usage will happen,” Evan Williams, Cloudhopper has already been working with Twitter to connect its service directly with mobile carriers around the world, in part so that users do not have to pay extra to send or receive text message tweets. Twitter has long had problems with this, and in the past has had to disable text messaging in certain countries because of high fees.Read more at bits.blogs.nytimes.com
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    Twitter seeks to rebuild it's original text messaging wing with the help of "Cloudhopper" - read on. . .
Dan R.D.

IBM's Andy Piper: Negotiating the Internet of Things - 0 views

  • He is officially called the "Messaging Community Lead" for IBM's WebSphere message queue (MQ) architecture, which is a title that grants some modicum of honor without claiming too much authority. Andy Piper has become IBM's point man for the concept of a planet enmeshed in billions, perhaps trillions, of signal-sending, communicating devices. The case may be made that anything that can be "on" could be made to send a signal on a network - perhaps something as simple as "on" itself, periodically. The possibilities for a world where the operating status of any electronic device may be measured from any point on the globe, are astounding.
  • Two weeks ago, IBM and its development partner Eurotech formally submitted Message Queue Telemetry Transport protocol to the Eclipse Foundation open source group. It's being called "the" Internet of Things (IoT) protocol, but in fairness it's only one candidate. It would serve as the communications mechanism for devices whose size may scale down to the very small level, with negligible power and transmission radius of only a few feet.
  • One example application already in the field, Piper told RWW, is in pacemakers. Tiny transmitters inside pacemakers communicate using MQTT with message queue brokers at their patients' bedsides. Those brokers then communicate with upstream servers using more conventional, sophisticated protocols such as WebSphere MQ.
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  • "Look, this is engineered for a constrained environment," Piper emphasized. "But because of that, [these devices] are actually extremely efficient at doing things like conserving battery, and using very low bandwidth. So [MQTT] is actually a fairly sensible protocol for both the machine-to-machine (M2M) space that we're addressing with the Eclipse announcement, and also the mobile explosion as well. All these devices need to be connected."
  • "It's not as such about replacing the Web; it's about enabling devices to talk to the Web," says Piper. "And these devices are unlikely to have user interfaces; they're really about just collecting data."
  • IBM's model (like all IBM models through history) is layered and given a mnemonic. There are three classes of devices: intelligence, interconnect, and instrumentation. Unlike Microsoft's model, which argues that intelligence can be driven completely to the edge at the device level, IBM maintains intelligence at the core, maybe even in the cloud. Instrumentation, on the other hand, doesn't need to be all that intelligent. In fact, it can be essentially autonomic. But it can still communicate, and MQTT would be its protocol.
  • "When you look at the wire trace of an HTTP packet, you end up with a lot of stuff in the headers which you don't see as a user," he tells RWW. "HTTP was designed for getting documents to a user interface. And it's been kind of bent and twisted into being used for inter-application and server-side communication, and that's fine when you have the bandwidth. But if you just want to send, 'The temperature is ___,' and then send 61.7, 60,7, 61.7, every five seconds, you really don't want to be doing a full HTTP post to send that information to an endpoint. So [MQTT] is asynchronous push; it's not request/response, which is what HTTP is."
  • Current networks of devices, such as Cisco routers, utilize small packets of health and status data that some literally call "weather reports." They're sent at specific intervals, and when they don't arrive on time, servers conclude something may be wrong. Such "weather reports" have been said to constitute a majority of the actual messages sent between routers and other devices at the lower levels of the Internet.
D'coda Dcoda

SHAPE Services' Neighbors Location-Based Messaging Platform Now Available For Its IM+ M... - 0 views

  • SHAPE Services, a leading mobile app developer best known for its IM+ All-in-One Mobile Messenger app, today announced that their new location-based messaging service, named “Neighbors,” is now available as a free update to its IM+ Mobile Messenger.With “Neighbors”, user can now find new real life connections and friends, buy and sell local services and goods using an interactive map, chat with local friends as well as initiate conversations with other people who are nearby, and publish and view local offers and announcements as status updates on their profiles.
  • Features:Location-Based Messaging Functionality – Allows users to find real people in their local area and easily initiate conversations, catch up with local friends and post local announcements.Location Privacy – Easy-to-understand privacy settings for disclosing user location, which includes the user’s ability to define their location as wide as their house, street or city.Interactive Map – With just a tap of the finger users can see the person’s profile and status, allowing the user to visually identify people around them.
  • SHAPE Services also plans to incorporate a unique patent pending augmented reality interface that will let the users look around with a 360 degree camera view.
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    plans to incorporate AR later
Dan R.D.

8 Mobile Marketing Trends You Should Track In 2012 | Business 2 Community - 0 views

  • With 2012 fast approaching along with it comes new mobile marketing opportunities that your business should follow as you consider efforts to spread the word about your brand and products and services through mobile. 
  • Mobile Visitation Grew 200% 
  • 2011 has been a breakout year for growth in mobile visitation.  It featured a steep rise in text messaging, smartphone purchases and mobile advertising. Corporate use of mobile websites grew 210 percent in the last 12 months!
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  • Retailers have been particularly aggressive in pursuing mobile strategies this year, with 37 percent operating specially-tailored mobile websites (compared to 12 percent in 2010) according to Acquity Group.
  • So what’s in store for mobile marketing in 2012? Here are our top trends to watch:
  • Mobile Trend # 1 – Smartphones to Overtake Other Mobile by 2012 
  • Smartphone units sold worldwide in 2009 will grow 14.5% from 2008 levels, according to a forecast by Infonetics.  READ MORE
  • Mobile Trend # 2 - Text Messaging Will Rise
  • Mobile Trend # 6 – Increased Mobile Spending 
  • Mobile Trend # 3 – Social Networking Site Access
  • Social networking sites will get more exposure on mobile phones.
  • Facebook’s official page sites, there are currently 350 million active users that access Facebook on their mobile phones.
  • Mobile Trend # 4 – Rise in Social Games
  • Mobile Trend # 5 – Location-Based Marketing
  • Sounds surprising, right? That novel technology can be achieved by Wi-Fi, RFID, and mobile phone tracking.
  • Text messaging will rise to a projected 8 trillion SMS in 2012. This is a rise of about a billion from the 6.9 billion SMS sent in 2011.
  • There will be a large increase in spending by SMBs on mobile advertising.  The $1.6 billion figure garnered last 2010 more than doubled to $3.3 billion in 2011, and 2012 is predicted to double that enormous figure again.
  • Mobile Trend # 7 – More Video on Smartphones
  • Videos will become a greater trend in mobile marketing. 
  • Mobile Trend # 8 - Mobile Money Transfers
  • More currency will exchange through mobile phones. 2011 saw $86.1 billion move around the world in about 141 million exchanges.
  • To sum up, the prosperity of 2011 for mobile marketing will carry over to 2012, with possibly more frontiers to open up.
D'coda Dcoda

Obama Tries to Bypass Congress with Deadly Global Internet Treaty ACTA [28Jan12] - 0 views

  • Before the American people were protesting the Stop Online Piracy Act and the Protect Intellectual Property Act, the president managed to sign an international treaty which would permit foreign companies to demand that ISPs (Internet Service Providers) remove web content in the United States without any legal oversight. Entitled the Anti-Counterfeiting Trade Agreement (ACTA), the treaty was signed by Obama on October 1, 2011, but it is currently a subject of discussion because the White House is circulating a petition demanding that senators ratify the treaty.
  • the White House has done some maneuvering — characterizing the treaty as an "executive agreement" — thereby bypassing approval by members of Congress. Concerned by this action of the administration, Sen. Ron Wyden (D-Ore., above left) sent a letter to President Obama in which he declared: It may be possible for the U.S. to implement ACTA or any other trade agreement, once validly entered, without legislation if the agreement requires no change in U.S. law. But regardless of whether the agreement requires changes in U.S. law ... the executive branch lacks constitutional authority to enter a binding international agreement covering issues delegated by the Constitution to Congress' authority, absent congressional approval.
  • Similarly, TechDirt observes: ... [E]ven if Obama has declared ACTA an executive agreement (while those in Europe insist that it’s a binding treaty), there is a very real Constitutional question here: can it actually be an executive agreement? The law is clear that the only things that can be covered by executive agreements are things that involve items that are solely under the President’s mandate. That is, you can’t sign an executive agreement that impacts the things Congress has control over. But here’s the thing: intellectual property, in Article 1, Section 8 of the Constitution, is an issue given to Congress, not the President. Thus, there’s a pretty strong argument that the President legally cannot sign any intellectual property agreements as an executive agreement and, instead, must submit them to the Senate.
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  • Twenty-two EU member states signed the treaty at a ceremony in Tokyo on January 26. Other nations interested in signing the agreement have until May 2013 to do so. According to Wikipedia, the Anti-Counterfeiting Trade Agreement “creates a governing body outside national institutions such as the World Trade Organization (WTO), the World Intellectual Property Organization (WIPO) or the United Nations.” The scope of the agreement includes counterfeit goods, generic medicines, and pirated copyright-protected works.
  • The provisions of ACTA grant copyright holders direct powers to demand that ISPs remove material from the Internet, without the requirement of a court order, and permit foreign influence over ISPs in the United States. Advocates of the treaty seek to give copyright holders the ability to demand that users who do violate intellectual property rights have their Internet connections terminated as a punishment. To enforce such a system would require the creation of an individual Internet ID.
  • The Electronic Frontier Foundation (EFF) reports: The same industry rightsholder groups that support the creation of ACTA have also called for mandatory network-level filtering by Internet Service Providers and for Internet Service Providers to terminate citizens’ Internet connection on repeat allegation of copyright infringement (the “Three Strikes”/Graduated Response) so there is reason to believe that ACTA will seek to increase intermediary liability and require these things of Internet Service Providers.
  • The EFF has been vehement in its opposition to ACTA, particularly regarding the secrecy surrounding the treaty negotiations. Likewise, Michael Geist, in writing for Copyright News, asserted that ACTA was “shrouded in secrecy.” He pointed out that ACTA negotiations did not include civil society groups or developing countries, noting also that “reports suggest that trade negotiators have been required to sign non-disclosure agreements for fear of word of the treaty’s provisions leaking to the public.” The European Commission denied this allegations in 2008, arguing, “It is only natural that intergovernmental negotiations dealing with issues that have an economic impact, do not take place in public and that negotiators are bound by a certain level of discretion.”
  • As noted on Wikipedia, opponents of ACTA also assert that it will impinge upon freedom of expression and communication privacy. A large number of the World Trade Organization’s 157 members have voiced concerns that the treaty would have a negative impact on trade. Others have pointed out that ACTA does not include provisions for legal safeguards protecting ISPs from liability for the actions of their subscribers. Without such provisions, ISPs will be forced to invade the privacy of their subscribers in order to protect themselves. Aaron Shaw, research fellow at the Berkman Center for Internet & Society at Harvard University, stressed that “ACTA would create unduly harsh legal standards that do not reflect contemporary principles of democratic government, free market exchange, or civil liberties.”
  • The technology news and information website ArsTechnica.com argues that ACTA encourages ISPs to collect and provide information about suspects by providing for those ISPs “safe harbor from certain legal threats.” In protest against the treaty, the hacktivist group Anonymous hacked into the Federal Trade Commission’s cybersecurity advice website on January 24, replacing the homepage with the Anonymous logo, a rap song, and a message threatening more attacks if anti-piracy legislation in Congress were to pass. According to The Next Web: The message left temporarily on OnGuardOnline referred to the Stop Online Piracy Act, The Protect Intellectual Property Act and the Anti-Counterfeiting Trade Agreement. If they pass, the message said, "we will wage a relentless war against the corporate Internet, destroying dozens upon dozens of government and company websites."
Dan R.D.

Police open up to social media - 0 views

  • PC Ed Rogerson is on Twitter. He is one of about 20 or so police officers that have turned to the micro-blogging service. “It works on a far more local level than the force-wide Facebook group,” he said. “It’s local to Harrogate and our problems.” Some of his messages, or tweets, contain advice for residents. On occasion he announces an arrest. Others are just to let people know that, while they were out, the police were on patrol. “People do not see us so they do not think we are there,” he said. North Yorkshire police are among the few forces using social media. Its Safer Neighbourhood teams use it to send out messages and it has reserved a page that will soon become its presence on Facebook. “Posting a message on Twitter warning about a spate of burglaries in an area is a similar concept to pinning up a poster on the local parish council noticeboard.” “Doing either in isolation might be fine, but by doing both we can spread that warning even further.” Read more at news.bbc.co.uk
D'coda Dcoda

The cloud and the future of the Fourth Amendment [April10] - 0 views

  • Colorado, defending Yahoo against attempts by the federal government to obtain the contents of Yahoo Mail messages without first obtaining a warrant. One month earlier, the Justice Department filed a 17-page brief arguing that Yahoo Mail messages do not fall under current statutory protection because, once opened, those messages are not considered to be in “electronic storage.” The privacy coalition—which included Google—came to Yahoo’s defense, arguing that users with e-mail stored in the cloud have a reasonable expectation of privacy in the contents of that e-mail, and should thus be protected from warrantless searches by the government. (Hopefully the irony of Google opposing robust searches is not lost on Google’s attorneys.) Unfortunately, the protections afforded by the warrant requirement have not yet been fully extended to the digital “cloud.” This handy metaphor for the ethereal Internet as a storage and access hub is coming to have other implications: can we really conceal our data inside this cloud, shielding it from government intrusion? Read more at arstechnica.com
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    Good article, do you expect to have a degree of privacy concerning your data in the cloud?
D'coda Dcoda

Facebook Death App Hunts Down Live People With Location Services [16May11] - 0 views

  • Agencies Mizbala and twentythree created an eerie location-based campaign for If I Die, a Facebook application that lets people record a message that will only be published after they die. Of course, no one think they're going to die anytime soon so people needed a bit of prompting. Mizbala used th APIs of popular location services such as Foursquare, Gowalla, Facebook Places, Twitter and Google Latest to track checkins all over the world. Once they located a person, they'd place a call to the location the person had checked into and asked to have the establishment to put the person on the line. Once they had the person on the line, they'd leave a creepy message and tell the person to go to the If I Die Facebook app. You can check out the demo call to Mashable's Adam Ostrow in this video to see what it's all about. Did the campaign work? Oh yes it did. Without any advertising, the campaign received lots of press in newspapers, blogs, radio and TV coverage which resulted in an 800 percent increase in recorded messages being left on "If I Die". But ask yourself. Do you really wants to be found this easily?
Jan Wyllie

The authenticity imperative - It's not about the elves! [14Apr10] - 0 views

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    Social media is really about making authentic, truthful, purposeful and caring relationships. It is not about being a follower, nor being a celebrity with lots of followers. As Jemima Gibbons, Convenor of the the RSA's Digital Engagement Group, concludes "We are no longer in the universe of messaging and marketing, we are in the universe of doing." Just GFDI.
Marc-Alexandre Gagnon

Increasing Brand Awareness with NFC Technology and Social Media | Social Media Today [2... - 0 views

  • It conjectured the use of NFC (Near Field Communication) and how it could benefit brands, their awareness and message all through social media.
  • The hypothesis that brands can utilise NFC technology within their stores, which may further enhance their brand message with brand awareness, along with social media tie-ins with NFC technology should be taken seriously.
  • There’s already an associated cost with print labels, which uniquely identify a product, so the respective costs associated with reproducing the same product with an NFC tag should be negligible, right?
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  • A tag is a mechanism from which information can be wirelessly shared; in the same way a QR code can be read by a scanner (NFC reader). 
  • In some stores there will be a combination of tags and tag readers – the Smartphone will contain a tag/reader combination, as it is capable of sharing information, so that a store can retrieve your name, contact information and so on (with your permission) and likewise you can read information from a tag
  • At the backend of the NFC application, there may be several other applications supported by a web-portal or, in fact, a link through to a social media platform – ‘Likes’ a ‘retweet’; ‘+1’ and so on.  Of course, adoption will be slow at first and there will also be the early adopters which, in turn, will fuel the greater purchasing community. 
  • The brand tie-ins are potentially large.
  • With social media alone, brands can (and should) develop a dialogue with their consumers, which could well be further compounded by NFC supporting an ecosystem where consumers can begin to resurrect that loyalty spirit. 
  • NFC has the potential of creating a lively and dynamic market community sharing experiences and purchases with the wider community all enjoyed through social media.
Marc-Alexandre Gagnon

Bubble Motion: Twitter By Voice - Forbes [11Oct11] - 0 views

  • Singapore-based Bubble Motion is offering a voice-based version of Twitter.
  • Sequoia Capital, the bluest of blue chip Silicon Valley venture capital firms, brought Clayton in to salvage Bubble Motion in early 2008 after it had burned through $30 million in capital.
  • Clayton rather quickly saw that instead of continuing with its original offering — a peer-to-peer voicemail service, it could grow fast by providing a voice version of Twitter.
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  • Twitter had three million users but a billion messages delivered. Bubble Motion’s peer-to-peer voice mail service had 25 million users but not anywhere near as many messages delivered as Twitter did.
  • Since he took charge in February 2008, Bubble Motion has received two rounds of fresh capital — $6 million and then $10 million more recently. Investors include Sequoia and SingTel Innov8 — the venture arm of Singapore’s carrier.
  • It will probably take a few years before Clayton has established Bubble Motion as a financial success.
Dan R.D.

Sencha Announces Cloud Environment for Mobile Web HTML5 Developers - 0 views

  • Mobile development framework Sencha is releasing several new products to tie HTML5 mobile Web development to the cloud. Sencha.io is designed to give Web app developers the ability to synchronize and manage data in the cloud without having to write an excessive amount of code. For messaging, data management, login and deployment, Sencha claims that a few lines of Javascript will allow mobile Web developers to easily integrate these functions to apps built with HTML5.
  • Sencha.io has four main components: data, messages, login and deployment.
  • It also serves as a place to manage the app through the senchafy.com domain and allows administrators to upload apps, manage different versions of apps and put apps in the production and development environments.
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  • There are several companies working on ways to write a couple of lines of code that makes it easy to plug in to a variety of cloud services. Kinvey, StackMob and Parse all do the same thing for native apps while Kinvey supports HTML5 development as well (it is likely that there are developers using StackMob for HTML5 development but the company has not published a SDK for it at this point, same with Parse).
Marc-Alexandre Gagnon

PayByPhone adds NFC to Mobile Payments for San Francisco'​s 30,800 parking sp... - 0 views

  • 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.
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  • "This is one of the largest deployments of NFC technology in the United States and shows the practical benefits this technology can deliver in terms of ease of use and convenience. There has been a lot of hype around NFC recently and PayByPhone is pleased to now put the technology in the field for real world applications," said Neil Podmore, VP of Business Development at PayByPhone. "We expect this to help kick start the more widespread adoption and understanding of the practical benefits of NFC in 2012."
  • The installation of mobile electronic payment systems is already catching the imagination of cities and towns around the world. With a proven role of providing parking authorities with efficient, easier-to-manage and cost effective solutions also comes real-time data to fine tune parking policies and provide parking guidance systems.
  • Analyst firm Juniper Research predicted that consumers around the world could generate as much as $50 billion in sales through NFC-based mobile payments by 2014. The potential for this nascent technology is huge, according to Jupiter.
  • PayByPhone, the largest provider of payment systems for parking across North America, has ongoing contracts in more than 60 cities, towns and universities including Miami; Dallas; Vancouver, BC; London, Paris and now San Francisco, the largest installation in the United States. Worldwide, the company handles more than 55,000 transactions per day. The company experienced rapid growth in FY 2011, logging an estimated 8 million transactions over the first six month period.
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+.
Marc-Alexandre Gagnon

How Amex, Foursquare, and Others Advanced the Digital Wallet in 2011 | ClickZ - 0 views

  • 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."
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  • While the aforementioned offers have expired, merchants can set up new Foursquare check-in deals via Amex's "Go Social" self-service center for SMBs.
  • Here's how the Amex-Foursquare marriage works for consumers: Sync Amex card with Foursquare account online. Check in at a location. Tap a "redeem offer" button. Pay with Amex card. Get a Foursquare push notification about the money-back reward (see image) within moments after the card is swiped by the merchant.
  • Swipely has begun working with 150 merchants in Boston, its launch market. The start-up offers consumers the chance to sync a credit card to its loyalty program. From there, whenever they spend money at a participating merchant, they can receive a reward or discount. Swipely supplies local businesses with point-of-sale signage and materials to promote the program.
  • Angus Davis, Swipely CEO, said his product should attract consumers and businesses alike because of its usability. There's no need for a smartphone app, much less a printed voucher, he said, in order for shoppers to get rewarded for retail store visits.
  • "Consumers don't have to change the way they behave in order to check in," Davis said. "Nor do they have to change the way they pay by scanning a QR code [or] using newfangled technology. Our program employs technology that everyone already has and uses."
  • He added, "For the local merchant, the program doesn't require any changes in the store. They don't have to upgrade hardware, install software, implement any special cards, or re-train their staff."
  • The 33-year-old CEO said his company would expand to New York, San Francisco, and other major cities in the first half of the upcoming year. "I do think that 2012 is a very ripe time for disruption," Davis said, "especially as the payment space interacts with Main Street merchants."
  • Other noteworthy developments as digital wallets came into focus during 2011: March/April:Groupon and LivingSocial launch "GrouponNow" and "Instant Deals", respectively, which allow consumers to buy time-sensitive offers with one click on their smart phones. To use the mobile commerce feature, users need to input their credit cards into their daily deals accounts. May 9: Scvngr struck a partnership with American Express to make redeeming LevelUp deals easier for consumers. Amex members who buy the deals need only use their cards while making a purchase to get the discount. As is the case with Swipely, it's not necessary to show the store clerk a paper voucher, barcode, or message on a mobile screen. May 26: Google introduced Google Wallet, which lets consumers pay for Google Offers and other items through their Google account. The Wallet mobile app works with credit card users for Citi, MasterCard, and First Data. Aug. 1: Verizon partnered with Amex to serve as the mobile carrier's digital wallet platform. The telecom was one of the first in its competitive space to create its own digital wallet.
Marc-Alexandre Gagnon

Mobile banking trends to watch out for in 2012 - Mobile Commerce Daily - Banking - 0 views

  • 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.
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  • “We are looking to provide innovative services to our customers,” he said. “We have to be competitive and to be competitive you have to offer these services.
  • Banks that feature a rewards program will increasingly look to mobile to drive interactivity for the program and drive customers back into mobile banking apps.
  • For example, City Bank Texas will introduce a new service early next year that enables customers to quickly and easily temporarily turn off their debit card via the mobile app if they have lost it and then turn it back on just as easily. Currently, customers have to find and call the bank’s 800 number to accomplish this.
  • Mobile check capture Many of the big banks currently give customers the ability to deposit checks into their bank accounts using their mobile phones. However, next year more banks are likely to jump onboard and offer this service to meet consumer demand. Malauzai Software’s research shows that a lot of bank customers are investigating remote capture on their mobile phones even if they have not made a deposit yet. For those customers who are using the service, they typically deposit one to two items per month. “We see mobile check capture becoming really big in 2012 – we expect over half of our clients to adopt it next year,” said Robb Gaynor, chief product officer and co-founder of Malauzai Software Inc., Austin, TX.
  • “If we can move certain things to mobile so customers can do them on their own time via mobile, it’s a big advantage. It is a stickiness that gets them to stay with us.”
  • For example, City Bank Texas offers a rewards account that enables customers to earn higher interest rates and ATM fee refunds based on how much they use the bank’s various services. However, because there was no way for customers to keep track of how many transactions they made or how close they are to earning a reward, customers were frequently calling the call center for this information.
  • To address this, City Bank Texas put a real-time reward monitoring service in its mobile app. Now customers can use the app to find out how many more transactions they need to reach the next level of rewards.
  • Person-to-person payments Person-to-person payments have been around for several years but use has been limited because the transactions did not take place in real time. However, with Visa recently changing certain rules to enable two consumers to exchange debit card information in a secure way, person-to-person payments will now be able to show up in someone’s checking account within seconds. Visa is expected to roll out a solution for person-to-person payments in the first quarter of 2012. “With real time settlements, you will see a lot more customers use person-to-person payments,” Mr. Gaynor said. “We see this as the beginning of real mobile banking.”
  • Some banks may try to ease customers into mobile payments to get them comfortable with the idea. For example, City Bank Texas will give mobile customers next year a way to manage their prepaid, loyalty and gifts card via the mobile app.
  • “This is the first step to moving customers to mobile payments concepts,” City Bank Texas’ Mr. Simpson said. “New companies are sprouting up weekly to do mobile payments but the problem is that the debit card is not broken yet – it is still relatively easy to swipe that card.
  • Mobile marketing Mobile offers and deals from retailers and third-party services such as Groupon and others were a big phenomenon in 2011. Next year, banks will be looking to cash in on the opportunity here by providing local offers via their mobile banking apps. Bank customers will be able to opt-in to the service so they can receive offers via the mobile banking app when they walk past a local business making an offer and redeem the offer via the app as well. In the past, banks have been reluctant to allow other business to market to their customers but because of the personal nature of a mobile phone and the ability to serve offers based on a customer’s location, this is starting to change. “We see this as a huge opportunity for banks to start making money through the mobile channel as offers are redeemed,” Malauzai’s Mr. Gaynor said “We feel it can be pulled off in an unobtrusive, value-added way.”
  • Customized apps Currently, a lot of banks have one mobile app for all of their customers. However, next year there will be a growing number of customized banking apps that are tailored to the needs of a specific customer group. For example, regional banks could customize apps based on which local market a customer belongs to. Or, an app could be customized to the needs of college students, who often have a different set of services available to them. “The first generation of mobile apps lost some of the customization found in Internet banking but now we are seeing more customized mobile experiences,” Mr. Gaynor said. “This is an example of how mobile banking is getting smarter and banks are trying to deliver a better mobile experience,” he said.
Marc-Alexandre Gagnon

PayPal'​s Don Kingsborough: in-store payment is ours to lose - 0 views

  • 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.
  • 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.
  • 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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  • “I thought someone would be able to change the way people shop, but I didn’t think it would be a startup because this will happen quickly and you also need brands that people trust. And PayPal is one of them. It takes the combination of a trusted payment company and the cooperation with great brands that people trust to change how people shop. I thought I would be able to convince all the major retailers all around the world because I have had  relationships with them for 30 years,” Kingsborough said.
  • Even with the departure of PayPal’s president Scott Thompson, who is now Yahoo’s new CEO, PayPal hasn’t missed a beat and is executing on its vision, Kingsborough said.
  • Solving consumer and merchants needs Kingsborough came in and honed the in-store payment initiative, which was underway well before Kingborough arrived. He focused on appealing first to consumers and making it simple for them to grasp, before ensuring the merchants could be able to understand the value of the system. Then he went about getting the cooperation of merchants, criss-crossing the country to call upon retailers and payment infrastructure companies to get them on board. Along the way, he helped PayPal pick up necessary components like location-based service WHERE, whose CEO Walt Doyle was personally persuaded to sell by Kingsborough. The plan is now to start rolling out the payment system in the second quarter though the first U.S. trials have already begun with Home Depot.
  • Kingsborough said he was drawn to PayPal’s approach to payments because it was aimed at solving deep consumer and merchant needs. He said competitors who focus on near field communication and other alternative payment systems are too often preoccupied with the capabilities of their technology, but they’re not addressing the pressing needs of users.
  • “Competitors think they’ll solve how easy it is to pay at retail, but that’s not a consumer problem. Their problem is how do they become masters of shopping and use their money smartly and organize their efforts to shop online, in-store and on mobile,” said Kingsborough. “We have a holistic approach. We ask the consumers [what they] want to do. They want to save money, save time and feel important in stores.”
  • NFC: a feature, not a solution That’s partly why he thinks NFC in particular isn’t ready for prime time. He said it’s going to take a while for it to proliferate in stores and on handsets. But more fundamentally, it doesn’t make consumer’s lives better.
  • “Do I think NFC will work someday? Maybe. But to me, NFC is a feature, not a solution that solves problems. If your strategy is NFC today, you need a new strategy,” Kingsborough.
  • Google and Isis, the carrier consortium including Verizon, AT&T and T-Mobile, are pushing hard on NFC and are angling to become the go-to mobile wallet for users, who will be able to pay at point-of-sale terminals with a tap of their phone. Many of the pieces for NFC fell into place for the technology in 2011, though there are still many hurdles ahead toward a broad rollout (subscription required) and mass consumer adoption.
  • PayPal’s approach bypasses many of the hardware constraints of NFC and pushes a two-pronged approach to in-store payments. Users can either use a PayPal Access card connected to their account, or more intriguingly, enter their phone number and PIN at a POS terminal and access their PayPal account. PayPal takes a user’s identification and turns it into a token, which is authenticated in the cloud, so no actual credit card numbers or financial data travels back and forth.
  • What it takes to win Kingsborough said the companies that win will be comprehensive and ubiquitous, allowing consumers to conduct transactions wherever they want to. By going with a software-based approach, PayPal can address about 8.2 million of the 10 million point of sale terminals with its payment system, without forcing retailers to buy new hardware. Then it’s up to PayPal to convince retailers to jump on board. It’s doing some critical work by signing deals with payment infrastructure companies like AJB Software Designs, which helps connect the point of sale terminals at many tier-one retailers to payment processors and financial institutions. Merchants that use AJB will have an easy path in enabling PayPal payments in store. PayPal is talking to other point of sale companies such as Verifone.
  • Merchants won’t just be getting a potentially cheaper alternative to credit cards. In PayPal’s vision, they’ll also be getting a way to push out offers to consumers, both in-store and nearby. Kingsborough said PayPal is working through its mobile app to address a variety of needs of merchants, from helping them manage online, mobile and in-store sales to improving loyalty and offering targeted discounts to users. Those additional tools will be rolled out over time in the next year or two. Google has outlined early plans to also provide coupons and offers to consumers using Google Offers in conjunction with Google Wallet.
  • Providing value But the other important winning determinant will be providing valuable, relevant and easy-to-use services to consumers, becoming the one mobile wallet they turn to, said Kingsborough. He said using tools like WHERE’s targeting and location technology will allow merchants to not just push out deals but deliver very context-aware content. For example, he said a clothes retailers might be able to message a nearby customer, letting them know they’ll earn $5 in their PayPal account that day if they buy jeans that they’ve purchased in the past. And, with the right permissions, the merchant may also be able to know the customer is with two friends and offer a group discount.
  • “It’s not just the capabilities of location-based services or understanding what a person just did; but it’s about being highly relevant to the person using the services,” Kingsborough said
  • He said in the battle to become the preferred digital wallet, PayPal will be the simplest for people to use, allowing people to link their credit, debit and loyalty cards, even potentially their drivers license. Just as people stick primarily to one browser, he said consumers will want to rely on primarily one wallet and he believes that PayPal will be that provider.
  • “Ours to lose” Kingsborough said it’s the whole offering that makes PayPal’s approach a winner. It’s a trusted name with more than 100 million users worldwide and it’s focused on providing value to both consumers and merchants with an easy path to ubiquity. “This is ours to lose,” he said. “I’m very confident about that. Otherwise, I’d be golfing right now in Hawaii.”
Marc-Alexandre Gagnon

Bao push ultrasonic mobile payments "bats" - 0 views

  • Bao network technology companies yesterday announced the launch of ultrasonic mobile payments-”bat”, consumers only need the phone close to the payment terminal, you can complete the identity verification, payment and settlement.   It is understood that the “bat” is based on ultrasonic wireless technology, allowing electronic device between a non-contact interact point to point data (10cm) to enable mobile payments and near field service more online business solutions.   With existing mobile payments in different ways is, today, most mobile phones through text messages, picture (QR) to implement a pay, this payment is a one-time; if you are on a mobile phone RF technology implementation is similar to the bus card payment, and hardware modification to the mobile phone. “Bats” is used, only requires the user to download an ultrasonic software can be.   According to the company General Manager Tan Xinglie introduction, this technique may be more in the future for restaurants, cafes, and needed on-site consumption places, such as where the user through the online booking, get coupon, which acts as the identity verification and payment tools; another application area is the logistics industry, such as express delivery, user to mobile payments. (Reporters Zhang Yi)
Marc-Alexandre Gagnon

Nokia announces Near Field Communication products - 0 views

  • With the Nokia NFC (Near Field Communication) shell on their phone, consumers will be able to access a variety of services and exchange information with a simple touch gesture.
  • The Nokia NFC shell offers consumers access to browsing, and text message services simply by touching tags that contain service shortcuts. Consumers are also able to give their favorite service shortcuts to other users by touching another NFC-compatible device with their phone. In addition, the Nokia NFC shell comes with tags that can be used for creating own personal service shortcuts.
  • The NFC technology evolved from a combination of contactless identification (RFID) and interconnection technologies. NFC operates in the 13.56 MHz frequency range, over a distance of typically a few centimetres. NFC technology is standardized in ISO 18092, ISO 21481, ECMA (340, 352 and 356) and ETSI TS 102 190. NFC is also compatible to contactless smart card infrastructure based on ISO 14443 A, i.e. Philips MIFARE technology, as well as Sony's FeliCa card.
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  • The first mobile phone to work with the new Nokia NFC is the Nokia 3220 (pictured), a tri-band camera phone that is available in two versions: a GSM 900/1800/1900 primarily for the European and Asian markets, and a GSM 850/1800/1900 primarily for the Americas. The Nokia NFC shell is a functional cover developed for the Nokia 3220 phone. The Nokia NFC shell with four tags will be available during the first quarter of 2005 in Europe, and during the second quarter 2005 in the Americas and Asia.
Marc-Alexandre Gagnon

Transaction Systems Architects reports third quarter results - 0 views

  • Transaction Systems Architects, Inc. (Nasdaq: TSAI), a leading global provider of enterprise e-payments and e-commerce software, announced today that revenue for the third quarter ended June 30, 2004 was $72.5 million, a decrease of two percent over the same quarter last year.
  • Net income was $18.7 million, or $.49 per diluted share, which includes a net one-time tax benefit of $10.6 million, or $.28 per diluted share. This net one-time tax benefit is attributed primarily to certain tax restructurings and associated tax elections related to the Company's MessagingDirect Ltd. subsidiaries. Net income of $18.7 million, or $.49 per diluted share, compares to a net loss of $1.9 million, or a net loss of $.05 per diluted share, which included a goodwill impairment charge of $9.3 million, for the third quarter of fiscal 2003.
  • For the third quarter of fiscal 2004, revenues were comprised of software license fees of $37.5 million, maintenance fees of $23.1 million and services fees of $11.9 million. The Company's recurring revenue was $45.5 million, or 63 percent of revenue, and non-recurring revenue was $27.0 million, or 37 percent of revenue. Recurring revenue consisted of monthly license fees of $20.2 million, maintenance fees of $23.1 million and facilities management fees of $2.2 million.
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  • Operating income was $13.0 million, with an operating margin of 17.9 percent, compared to operating income of $4.7 million, with an operating margin of 6.3 percent, in the third quarter of fiscal 2003. Operating cash flow was $23.1 million with a cash balance of $158.9 million, compared to operating cash flow of $12.1 million in the third quarter of fiscal 2003, an increase of 91 percent.
  • For the nine months ended June 30, 2004, revenue totaled $223.1 million, compared to $205.5 million for the same nine-month period in fiscal 2003, an increase of 9 percent. Operating income for the nine months ended June 30, 2004 was $42.5 million compared to $23.4 million, which included a goodwill impairment charge of $9.3 million, for the same period last year, an increase of 82 percent. Operating margin was 19.1 percent for the first nine months of fiscal 2004, compared to an operating margin of 11.4 percent for the same period last year. Operating cash flow was $44.7 million for the first nine months of fiscal 2004, compared to $26.1 million for the same period last year, an increase of 71 percent. Net income was $36.7 million, or $.97 per diluted share, compared to $5.2 million, or $.15 per diluted share, an increase of 604 percent for the same nine-month period in fiscal 2003.
  • During the quarter, the Company added 13 new customers while maintaining a worldwide presence of 76 countries. ACI Worldwide, the Company's largest business unit, added seven new customers during the quarter. Solutions licensed to these customers included BASE24®, BASE24-es™, WINPAY24™, and ACI Proactive Risk Manager™. ACI Worldwide also licensed capacity upgrades to 13 customers and licensed seven new applications to existing customers during the quarter.
  • Insession Technologies, the Company's e-infrastructure business unit, added six new customers and licensed 12 new applications to existing customers during the quarter. Solutions licensed to new and existing customers include GoldenGate™, WorkPoint®, VersaTEST™, WebGate, SafeTGate, ICE™, Automated Operator™ and AutoDBA™.
  • IntraNet, the Company's international payments and message processing solutions provider, added one new Money Transfer System™ customer. IntraNet also licensed one capacity upgrade and entered into 17 services contracts with existing customers during the quarter.
  • The Company completed the third quarter of fiscal 2004 with $232.8 million in backlog. Included in backlog are all software license fees, maintenance fees and services specified in executed contracts to the extent that the Company believes that recognition of the related revenue will occur within the next twelve months. Recurring backlog includes all monthly license fees, maintenance fees and facilities management fees and amounted to $173.6 million. Non-recurring backlog includes other software license fees and services and amounted to $59.2 million.
  • "We are pleased with the quarter's and year-to-date financial results," said Gregory D. Derkacht, President and CEO. "We continue to make progress on our tax-planning initiatives and other projects, and we look forward to building on our worldwide leadership position in the financial services sector with our proven software solutions."
  • The Company has revised its revenue estimate for fiscal 2004 from a range of $282 to $292 million to a range of $291 to $296 million. The Company has also revised its EPS estimate from $.74 to $.83 to $1.10 to $1.17, which includes the $.28 net one-time tax benefit.
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