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The Dutch consortium of major banks and MNOs which in 2010 signed a letter of intent to jointly introduce mobile payments at the checkout in the Netherlands have taken their initiative one step further.

The partnership, which includes financial services providers ABN AMRO, Rabobank and ING as well as KPN and Vodafone, will notify the initiative for approval to the European Commission in Brussels.

It is expected that the EC will communicate its vision in the first quarter of 2012. After that, the consortium can start the actual execution of the plans. It is expected that Dutch consumers can experience payments with their mobile early 2013.

1. Just Gimme My Mobile Wallet, Man There are a lot of deviations of a mobile wallet, and everyone does it differently. Essentially, the mobile wallet is exactly what it sounds like: A service that stores everything you would normally put in a physical wallet, including debit and credit cards, coupons and loyalty cards, in a mobile wallet. Not all wallets store data on the phone itself; SCVNGR's LevelUp and PayPal, for example, store data in the cloud. Your mobile wallet arrives empty, just like an wallet. You decide what goes in it. Google's mobile wallet works off of an NFC chip called the Secure Element, which acts like a secure wallet and differentiates this product from being just an app. It's also separate from the phone's main operating system and hardware.

Google launched its Wallet program in late May. The official launch (yes, a beta) happened in September. Google chose MasterCard as its official partner in the realm of mobile payments using near-field communications (NFC). At the time of launch, Nexus S 4G on Sprint with Citibank and payment network MasterCard was the only phone compatible with Google Wallet. The industry is preparing for Wallet, but the consumer side isn't quite there yet. In September, however, Visa also signed a licensing deal to include credit and debit cards in Google's Wallet program. MasterCard's has begun its shift toward technology innovator thanks to its new partnership and investment with mFoundry. This solidifies MasterCard's commitment to the field of mobile payments. PayPal has a slightly different vision for its mobile wallet. With a wallet in the cloud, consumers can select a payment instrument (credit card, debit card, bank account) and then use any Internet-connected device to enable that purchase. Really, PayPal wants to be technology agnostic, meaning that its mobile wallet should work on any device regardless of the operating system. In mid-November, PayPal unleashed its mobile wallet that features a card and a smartphone app that lets consumers store credit cards, gift cards, frequent flier miles and more. Speaking of mobile wallets, whatever happened to Apple's iWallet? NFC never did come to the iPhone4S.

2. Where NFCs Will Go, Few Do Know NFC (near field communication) enables the exchange of data between devices (typically, mobile devices) that are in close proximity to each other. NFC devices are used for more than just payments, though - they can be the link between real world actions and consumer-facing or back office systems. While card issuers love NFC options, they would force payment processors to radically redesign. Are consumers ready to trade in the swipe of a credit card for the tap of an NFC-enabled device? NFC may never be widely used as a form of payments, writes RWW mobile expert Dan Rowinski. While the technology around NFC is ready and being widely adapted within the industry, the actual infrastructure is not there yet. But the NFC hype is here. Since Google's Beta Wallet launch in September, it has partnered with Mastercard, CitiBank, Sprint, FirstData, Verifone, VivoTech (NFC partner), Hypercom, Igenico and NXP (NFC partner). On the opposing end, NFC mobile payment solution ISIS is poised to attack Google's Wallet; it recently partnered with Verizon, T-Mobile and AT&T.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

PayPal recently revealed that it was testing an in-store payments technology both via mobile and point of sale systems on a ‘friends and family’ basis at Home Depot. Initially, the pilot was only for 5 stores. Today, on eBay’s earnings call eBay President and CEO (and interim PayPal president) John Donahoe revealed that PayPal will be extending the pilot to 51 Home Depot stores in the San Francisco Bay Area.

Samsung mobile phones look set to double as m-wallets as the mobile phone manufacturer signs a Near Field Communication chip deal with Philips.

Through the use of Near Field Communication (NFC), Samsung mobile phones will be transformed into multi-functional devices from which users can conduct secure m-payment transactions, gain access to public transport and buildings or download event tickets, the company claims

"Joining forces with Philips for the further development of NFC-enabled devices is part of Samsung's commitment to change the way information and services are paid for, distributed and accessed by all consumers," said JK Shin, senior vice president of the research and development team at Samsung.

Inuit’s GoPayment reader, which competes directly with Square, is about to become more attractive to small businesses. The company has made the decision dropped the transaction fee ($0.15 per transaction) for both new and existing customers for Visa, MasterCard and Discover cards, both swiped and key-entered as well as qualified and non-qualified transactions. The move will go into effect on Monday.

Launched two years ago, GoPayment offers a complimentary app and credit card reader to allow small businesses to conduct charges via their smartphones. GoPayment is available for iOS, Android and Blackberry phones. So now, businesses using the mobile payments reader will only pay a flat 2.7 percent fee of a transaction for any swiped cards. Intuit will charge 3.7 percent for both key entered and non-qualified transactions.

This is surely a competitive move against Square, which also dropped its transaction fee (which was $0.15) recently in favor of a flat 2.75 percent fee for all transactions. One important fact to note—Intuit will still charge the transaction fee for transactions using American Express but this is something the company is working on negotiating. Square does not charge a fees for transactions on Visa, MasterCard, Discover and American Express.

4. Offers, Offers and More Offers With the daily deals craze dying down post-Groupon IPO, mobile offers are springing up. Google Offers, Google's response to Groupon's daily deals, continues to expand and personalize its deals. It recently stepped into the mobile commerce space with an Android app. Amazon entered the daily deals space with Amazon Local. Mobile commerce isn't a part of the story, but with Amazon's hefty investment in Living Social and an infrastructure far more mature than Groupon's, Amazon may be waiting for just the right moment before really making its move. Meanwhile, daily deals superhero Groupon moved further into the location-based mobile commerce space through a partnership with Loopt. Soon after the Loopt announcement, Groupon launched Groupon Now, which inserts real-time, location-based offers into the daily deals game. Such offers are usually only available for a few hours, do not include the typical Groupon tipping point and are meant for impulsive mobile users.

5. Shop Till You Sit: Tablet Commerce Tablets are all the rage this year. A recent study by eMarketer.com predicts that one in three online consumers will use a tablet at least once a month by the year 2014. Appel iPads are positioned to dominate the tablet market until 2015. So what are people doing on their tablets? Shopping, naturally. And thus the boom of tablet commerce. Amazon.com, the top revenue-producing Internet retailer, naturally leads the pack with a strong tablet-optimized site. Couch commerce, the act of sitting on one's couch and shopping from a smartphone and tablet, saw a strong increase this year - especially after Thanksgiving dinner and on Black Friday. Amazon launched its Kindle Fire tablet on September 28. ReadWriteWeb Writer Jon Mitchell calls it a store with a screen, quite literally suggesting that its sole purpose is to be a media consumption device. As the Kindle Fire continues to gain consumer mindshare and more developers flock to the Amazon Appstore (don't call it the App Store, OK?), we expect more tablet commerce growth in this area. Shopping catalogs designed specifically for tablets will add to the tablet commerce experience. Google launched a shopping catalog app for tablets back in August. Google Catalogs, as they're called, are like "window shopping with your iPad and Android tablet." The only potential problem for retailers? Now they won't have catalog readers' home addresses on hand.

6. Location and Local Groundswell: Chicago to Des Moines to Boston and Back Again The partnership between daily deals service Groupon and location check-in Foursquare was a big one. The two got together and made it happen. Or, as the Groupon blog says, "when we think of mobile addiction beyond Now! we think foursquare, and many of you guys do, too." The idea of positioning daily deals on Foursquare as an "addiction" doesn't exactly insure longevity; rather, it signals imminent burnout. But hey, we'll forgive Groupon's marketing team - with Groupon's stock prices slumping, the company is needs to keep looking for new ways to hit up consumers. Dwolla, mobile payments system based in U.S. mobile payments capital Des Moines, Iowa, seeks to completely sidestep credit cards. Unlike its main competitor PayPal, Dwolla does not snag a percentage of the transaction; instead, it asks for a shiny silver quarter, regardless of the transaction amount. LevelUp from Boston-based SCVNGR brings location-based gaming to the daily deals space. The idea is simple: Users will receive better deals the more they use the system. Much like the "unlocking" of Foursquare badges, LevelUp users will unlock new "levels" of awesome deals with particular merchants as they continue buying. Like its competitor Dwolla, SCVNGR recently began building local mobile payments into LevelUp.

Google is finally opening up its near field communication payment system, Google Wallet, today to the public, allowing Nexus S users on Sprint to try out contactless payments through their smartphone. It’s a little later than originally expected and again, with only one handset that supports it, Google Wallet is just the first step in a long process.

But it’s a significant one that begins a much broader effort by Google to change both the way people pay for goods in the real world and interact with merchants and retailers. Toward that end, Google announced today that it has struck deals with American Express, Visa and Discover so their cards will also be integrated into future versions of Google Wallet. Initially, Google Wallet launched with MasterCard as its first partner. But now, banks that issue cards through Visa and Discover will soon be able to load up their accounts directly on to Google Wallet.

For Google, the wallet initiative signals a new opportunity to market deals and discounts to consumers and allows merchants a new way to reach consumers and strengthen their relationships with them through discounts and loyalty programs. And it enables them to close the loop on transactions, so they can see how effective their marketing is.

Researchers have reported evidence that cell phone radiation has a variety of alarming biological effects, which are sure to fuel concerns about whether or not phones impact human health. Scientists reportedly found that GSM signals fragmented insect DNA in ovarian cells, that a brief "mild electromagnetic field" affects bone formation in fetuses, and that cell phone-frequency radiation increased the permeability of the blood-brain barrier in young adult male rats.

These findings were reported in a press release issued by the Environmental Health Trust, which notes that the rat brains can be "used to correspond to the brains of human teenagers." "This work provides a warning signal to all of us," said Professor Wilhelm Mosgoeller from the Medical University of Vienna. "The evidence justifies precautionary measures to reduce the risks for everyone of us."

other research findings, while potentially interesting, appear to be in-vitro studies of isolated cells. Proving biological effects of radiation on cells is useful in determining the ways radiation might impact humans in the real world, but it does not directly prove much beyond the experimental criteria.

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.

Near-field communication (NFC) has been trashed by critics, who say it adds no value to consumers or is a technology in search of a need. But as we’ve pointed out, NFC is just a technology that can applied in a lot of different ways, apart from the digital wallet framework through which many people understand it.

Increasingly, we’re seeing more and more interesting projects and applications being built that show how NFC will be deployed outside of mobile payment situations. This not only indicates how flexible the technology is but also could help propel the overall technology in adoption, as consumers become aware of NFC and learn to use it for a variety of reasons.

Right now, NFC is still below the radar for most U.S. consumers, and the slow roll out of Google Wallet or the pending launch of Isis next year are, by themselves, only going to accelerate NFC adoption by so much. But having a host of uses for the technology could open people’s eyes and push them past any usability or safety concerns.

The yellow-handled hammer, which the eBay CEO purchased at Home Depot using PayPal, signals that the company’s plans for entering the mobile payments business has entered the construction phase.

The company also announced fourth-quarter results yesterday, solidly beating both the company’s internal guidance and analyst expectations. One of eBay’s big initiatives over the past year has been to find ways to work more closely with physical retailers by providing them with the technology they need to operate more efficiently online and offline. Over the past year, that has included buying 13 companies, for a total investment of $3.4 billion.

“We are right at the intersection of something that’s really cool,” Donahoe said. “This isn’t something that everyone sees, like social networking three years into it, when only the early people knew about it.”

A new Greek scientific study has demonstrated how frequency electromagnetic fields, namely cell phones, portable phones, WiFi, and wireless computer equipment, alter important protein changes in the brains of animals. Exposure to electromagnetic frequencies is the result of our advancing technologies, but it is important to study these effects so people know exactly what they’re dealing with in order to take the necessary precautionary measures.

The study, entitled “Brain proteome response following whole body exposure of mice to mobile phone or wireless DECT base radiation,” was published in the journal Electromagnetic Biology and Medicine. Important areas of the brain such as the hippocampus, cerebellum, and frontal lobe are regions responsible for learning, memory, and other functions. These areas are negatively impacted by microwave radiation, even at levels below the safety guidelines put in place by the International Commission on Non-Ionizing Radiation protection

Researchers found that 143 proteins in the brain were negatively impacted by radio frequency radiation over a period of 8 months. A total of 3 hours of cell phone exposure were simulated over the 8 month time period, and the results showed that many neural function related proteins’ functional relationship changed the for worse.

DUBAI — Digital contactless payment has become more popular among UAE travellers as they prefer to make payments and seek information in a visual format on a device, according to a latest global industry study.

Around 32 per cent of UAE respondents find using their phone rather than cash or credit cards to pay for things “extremely appealing” as against 24 per cent globally, revealed a major global industry study “From chaos to collaboration: How transformative technologies will herald a new era in travel”.

Commissioned by Amadeus, a travel technology partner and transaction processor for the global travel and tourism industry, the new report outlines the way new technologies and social change will transform travel by 2020. The study challenges the industry to overcome the uncertainty and stress of modern-day travel through the application of new innovations.

Wireless bandwidth is like land in Manhattan -- it's extremely valuable because they're not making more of it.

But we sure are using more of it. The wireless-industry association CTIA reported in October 2011 that the number of wireless devices in the U.S. had, for the first time, exceeded the number of people. And Mobile Future, a coalition of vendors and consumers, estimated in a March 2011 report that by 2014, voice traffic will comprise only 2% of the total wireless traffic in the United States -- a worrisome statistic because, as the report noted, smartphones consume 24 times more data than old-school cell phones, and tablets consume 120 times more data than smartphones. (See Data needs bandwidth, but how much? for details.)

The result: Wireless networks are edging near capacity, not just in the United States, but all over the world. Credit Suisse conducted a survey last year that revealed mobile networks in North America were running at 80% of capacity, with 36% of base stations facing capacity constraints. The average globally for base station capacity utilization, the report said, was 65%.

If it were up to Jumio, we’re all going to be ‘netswiping’ to purchase books, clothes, travel, FarmVille crops and whatnot online in a couple of years. The startup has been extensively testing its digital payments service in private beta mode since last year, when Jajah founder Daniel Mattes started teasing whatever they were building.

The startup has since assembled an impressive advisory board, including former Google exec Zain Khan, former Amazon exec Mark Britto and Maarten Linthorst, CEO of CSI Communication Systems. And we recently learned that Facebook co-founder Eduardo Saverin and other investors pumped $6.5 million into the startup.

Today, Jumio is finally unveiling Netswipe, a technology solution that enables e-commerce site owners and Internet retailers to process online and mobile payments by having customers ‘swipe’ their credit cards using virtually any webcam. Think of it as Square for the Web, without the need to purchase and install additional hardware. Watch the video below to see how it works, in a nutshell.

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.

Michael Abbott, the CEO of carrier-backed mobile payments joint venture Isis, has an interesting take on rival Google Wallet: "It's the best thing that could happen."

That's not the sort of thing you would expect to hear from the head of a venture that is planning to roll out its own mobile-payment system, designed to allow consumers to tap their phone on special terminals to pay for goods. Abbott, however, holds a longer-term view of the business, and believes that the entry by multiple parties is a good thing. It generates greater consumer awareness, stirs the various retailers, carriers, handset makers and banks into motion, and generally gets the debate about mobile payments flowing. He doesn't believe there will be any clear-cut winners or losers, and expects to see many options for consumers.

"There will be multiple solutions out there, and none of them are wrong," Abbott said in an interview with CNET, noting that "competition is what this space needs."

Google’s official Android Market is not available in China, leading to a plethora of independent markets – over 70 at last count. The system works – sort of – but users may find it annoying because you actually don’t know how to find the good stuff. China is still lacking any sort of innovative search mechanism to help people identify the apps they really need in daily life.

Discovering the apps should not be boring, and the core value of Qiuqiu is to bring the pleasure of discovering apps during different activities. Qiuqiu’s app search engine is unique because it offers results based on your location, the time of day, and the things you like and do. Each scenario is expressed by a series of apps – education apps for the school day and travel apps for your vacation. It’s a compelling and interesting change from the traditional “editor’s choice” and selected apps lists found in many markets.

Qiuqiu, the new app discovery engine is developed by AppChina, one of the leading third party Android markets. The founders are a group of very experienced senior engineers and product managers from STC Bing search technology centre and graduates from Tsinghua, Beijing and Fudan Universities. Being successful in the Android market, as Luo Chuan, the co-founder of AppChina, formerly CEO of MySpace China, said, means suppling the right apps at the right time. AppChina is moving forward to the field of search engine and data mining and try to develop a new way of discovering Android apps most suitable for you.

Clipboard aims to become the go-to service for saving and sharing the relevant parts of any page or service available on the Web, including much of its core functionality, or put differently taking care of everything in between simply bookmarking a URL and having to save an entire Web page.

Using a bookmarklet, Clipboard users can ‘clip’ things like search query results, stock quotes, tweets or Facebook status updates, video clips, images with captions, a Google Maps map, a forum answer, an Amazon book review, an eBay product summary, a digital coupon, and the likes.

Select part of a Web page or service, and use your mouse (simply by hovering over something or, preferably, by using the scroll wheel) to increase or decrease the number of ‘zones’ you would like to clip. Your selection – including links and images etc. – will be saved to your Clipboard profile instantly, and you can jump straight to it to visit your clip collection

A freely accessible index of 5 billion web pages, their page rank, their link graphs and other metadata, hosted on Amazon EC2, was announced today by the Common Crawl Foundation. "It is crucial [in] our information-based society that Web crawl data be open and accessible to anyone who desires to utilize it," writes Foundation director Lisa Green on the organization's blog.

The Foundation is an organization dedicated to leveraging the falling costs of crawling and storage for the benefit of "individuals, academic groups, small start-ups, big companies, governments and nonprofits." It's lead by Gilad Elbaz, the forefather of Google AdSense and the CEO of data platform startup Factual. Joining Elbaz on the Foundation board is internet public domain champion Carl Malamud and semantic web serial entrepreneur Nova Spivack. Director Lisa Green came to the Foundation by way of Creative Commons.

The Foundation explains the scope of the project thusly. "Common Crawl is a Web Scale crawl, and as such, each version of our crawl contains billions of documents from the various sites that we are successfully able to crawl. This dataset can be tens of terabytes in size, making transfer of the crawl to interested third parties costly and impractical. In addition to this, performing data processing operations on a dataset this large requires parallel processing techniques, and a potentially large computer cluster. "Luckily for us, Amazon's EC2/S3 cloud computing infrastructure provides us with both a theoretically unlimited storage capacity coupled with localized access to an elastic compute cloud."