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The JV will be an infrastructure for payments, but it won’t process any payments. This will be down to each operator, working with their individual partners, it seems.

It also looks like the first products of this JV will be about advertising rather than NFC payments. Again, Dunne: “NFC is gong to take a little more time, but between the three of us we buy considerable amounts of handsets and [handset makers have] been looking for someone to put their hand up and embrace NFC in a big way.” On advertising, it looks like the idea will be to use the platform to launch campaigns, targeting the subscriber bases of all three operators. In both services, users will be able to opt in and opt out of services.

While interesting in the macro-sense, these broad numbers paint an incomplete picture of the complex future of social and digital media in Russia. The real story behind the social revolution lies less in the initial platform adoption we are witnessing and far more in the sheer volume of engagement occurring within them.

"Four out of five mobile connections are in emerging markets," he claimed, "and in many cases it will be the only computing device that they have."

The vision Jacobs espoused wasn't purely about mobile devices, however, but about the Internet of Things - or, as he terms it, the Internet of Everything. "It's possible that there will be a sea of sensors," he claimed, "and these will all be connected. Is that possible - a thousand radios per person? I don't know," he admitted.

It's a project that has far-reaching implications - into retail, gaming, social networking, and healthcare - and one that Qualcomm isn't afraid to open up to its competitors.

The company's first step on the road to the Internet of Everything, a software platform for proximity-based peer-to-peer communications called AllJoyn, is licensed under a permissive BSD-style open source licence. "It already runs on multiple operating systems," Jacobs told attendees. "If we're going to enable this Internet of Everything, it can't just be vertically integrated with proprietary solutions exclusive to one manufacturer."

Customers control the mobile payment transaction by holding their mobile device in front of a scanner on the countertop and scanning the barcode on the screen to make a purchase.

“Within nine weeks of the national launch of mobile payment, customers in stores paid more than 3 million times using our mobile payment app, and this number continues to grow at a steady rate.”

We deployed this program independent of carriers, handset manufacturers or payment companies so as many customers as possible can download and use the app. Additionally, we were unwilling to wait for the NFC landscape to mature. We use barcodes because it meets our needs, allowing all customers to use this technology to access the fastest way to pay at Starbucks.

It could just be a little booth in every department of a Wal-Mart that would be designed to handle payments for a couple of items.

One of the biggest benefits for Square could be to get Wal-Mart to leverage its existing Card Case program that allows for simple payments and transaction information between the customer, the retailer and the payments platform. The Square Card Case was unveiled in May and initially only rolled out to five cities and 50 retail partners.

Square posits the Card Case as an Amazon-style "one-click buying" method, except in the real-world as opposed to digital payments.

Users that download the app can set up a "card" from a retailer and see what is happening with the retailer, from new deals to changes in the menu. Wal-Mart could institute the Card Case in a variety of ways, from the national level for what is happening with all Wal-Mart retail stores, to dedicating local managers to updating the card case for each individual store.

In terms of that goal, the Wal-Mart adoption may have the affect of a giant marketing campaign. The greatest benefit to Square from Wal-Mart may not be actual transaction revenue, but helping to speed up the awareness and adoption of the platform.

“The point system has dramatically improved engagement + contribution on Moz. We’ve grown community content 200%+ in the past 24 months.”

Step 1: You need points.

But points are meaningless without a leader board.

Step 2: You need a leaderboard to get people’s competitive spirit out and allow them to compare and be compared against others.

Salesforce does the same with Nitro by gamifying real life. Sales guys get stats to see what they’re doing well, awards them with points and badges but it also lets them compare to others.

We can also use game mechanics to help people learn how to use our products – Richard mentions Ribbon Hero 2 where clippy teaches you how to use Microsoft Office products. Rather than having him jump up when it thinks you need help (as was the case back in the day) you have challenges to help clippy fix his CV, etc. Your userbase is having fun and you’re helping them learn about your product.

Encourage users to hand over data - it makes us smarter marketers.

Who does this? LinkedIn with the goals and “profile completeness” – SEOmoz does the same thing.

Badges?

Rich doesn’t know that Foursquare should work but the beauty of it is that does. Rich thinks this has to do with velocity and the fact that it makes quite boring stuff exciting and PR worthy – not knowing when a reward is coming and the fact that they come almost at random is what Rich feels makes this work.

If you have a crappy product it really doesn’t matter.

Virtual Currency/Goods

What could we do/take away from this?

Gamification for Good – IMOK, a checkin platform for kids. Connected just from one phone to the other and checking in lets the parent know they’re ok.

Reward with Status- top contributors in Webmaster forums will get flown out to Google and learn all sorts of things.

Create signups/sales with loss aversion

Help people drive their business

Generate Reviews- badge and point system for heavy users?

Increase signups

Reward for Gifting

Reward for Uplaoding Content

Generate links

Increase social shares

Motivate internally to do the same - get your inhouse team to answer FAQ type questions and reward them for their interaction and points.

But mobile has its own limitations. Facebook provides a single venue for developers to build, grow and monetize their games, while the dueling mobile platforms have weaker social features and additional development costs; iOS also has the 30% tax on virtual goods sales, same as Facebook.

San Francisco announced earlier this week it was partnering with PayByPhone to enable 30,000 parking meters with NFC support. 

Intel and MasterCard have teamed up to enable future Intel-powered laptops to work with PayPass enabled MasterCard credit cards.

Personal contact and content sharing has become one of the emerging uses for NFC.

Access card maker HID Global announced a trial with Arizona State University in September in which students were provided NFC-enabled phones, enabling them to gain physical access to buildings.

The Museum of London and its sister institution, the Museum of London Docklands launched a project in August that allows visitors to tap their NFC-enabled phone at exhibits and gain more information, buy tickets to future exhibits or check in, follow or “like” the museums on social services.

T-Mobile partnered with Meridian Health and iMPak Health in October on a new SleepTrak sleep monitoring system, a wearable device with an NFC-equipped card.

Many of these things can be done through QR codes, bumping, Bluetooth or other methods, but NFC provides a very simple and often elegant way to get through the process.

We’re still very early in the NFC game and the phones are just now trickling out in the U.S. But there’s going to be a much bigger flow of NFC-equipped phones starting next year. It’ll be these broader applications that might convince users that the technology has merit.

For more information about YaCy, see here.

Home electronics makers themselves look well placed. Samsung, LG (SEO: 066570), Panasonic and their ilk, including Sony, are already preferring to ship their own smart TV interfaces with their TVs. Samsung TV already has almost 1,000 apps for its Smart TV system.

To summarise - in six months’ time, Android will be trumping iOS for apps and will be the dominant smart TV platform, Schmidt suggested.

There have been rumours that Microsoft is working on an NFC payment platform to rival Google Wallet, while this week, it was suggested that NFC will soon play a part in how Microsoft devices communicate with each other. Coleman didn’t spill the beans on any specifics, but did say that “in the not too distant future, there are some exciting things that will be coming through with NFC from Microsoft.”

Keith Varty, Nokia’s head of apps and partnerships, stated: “We need to get a [Windows Phone] device into the marketplace with NFC capabilities, and when we do we can really start to showcase our services.”

So it looks like we’re still at the stage of NFC’s development where the best is yet to come, but with the pace of development finally accelerating across the industry, it appears that we won’t have too much longer to wait. How long Windows Phone users have to wait for NFC is a different matter - with the confirmation that the technology is already supported by the OS, the decision to launch devices with it on board now rests solely with the manufacturers.

Google’s problem was that the company and its two consumer electronics partners built early-adopter devices that were supposed to appeal to the mainstream consumer — and in turn, didn’t do right for either.

I was once again a little underwhelmed when the new Honeycomb version of Google TV hit my review unit

the availability of apps made a big difference.

many are very enthusiastic

about the apps they could install on it and the ways they could customize their Google TV experience

Combine that with its huge potential for growth in the CE space, and you’ll see why Google TV very likely wins the smart TV race.

Five reasons why Google TV will be huge

Customization.

Third-party app stores.

Multitasking.

The CE market.

Cable boxes.

Even if Schmidt is wrong with his assessment, Google always has a backup plan: The company bought Motorola Mobility earlier this year, and as part of the deal also acquired Motorola’s set-top box business. That makes it all but certain that Motorola will eventually ship Google TV-powered cable boxes, which could bring the platform to millions of legacy TV sets.

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.

Square Setup: For many merchants, Square has been the dream alternative to PayPal. By allowing customers to swipe physical cards with nothing more than a dongle on the merchant’s iPhone, it’s changing the way that many companies do business. Just snag a dongle, install the app, tie it to your bank account and you’re done. Onboarding with Square is supremely simple. Pros: Supremely easy to use. Flat 2.75% fee on any swiped transaction. Goes to 3.5% + 15¢ per transaction if the card is entered manually. Next-day deposits directly to your bank account. Cons: Square is intended as a business tool, rather than a peer-to-peer platform. Your friends will need to swipe a card to give you cash.

Clover Pay Setup: Clover came out of the gates with a killer team and a mobile app that’s top-notch. If you can get an invitation to the somewhat-closed beta you can be set up on Clover in a matter of minutes. Pros: Super-simple process for requesting and making payments. Numerous methods for requesting and sending, including face-to-face, by email or over SMS. Fee-free for non-commercial use. Cons: Low limits on funding your account via credit cards, as well as withdrawal to PayPal. $2000 monthly cap on ACH funding or withdrawal. Adoption seems to be slower than other services.

Who Should You Use? That’s the real point here, right? You want to know what option is best. Unfortunately, there’s not any one that rises completely above the others. Dwolla and Clover are my two choices for the most promising, but PayPal’s ubiquity keeps it as a necessary thorn in my side. The real answer has a lot more to do with how you plan on using the service.

If ubiquity is important to you, there’s only once choice and that’s PayPal. But if you’re willing to give up a bit of convenience, then Dwolla’s $0.25 per transaction and bank-account-augmentation are compelling features. I have big hopes for Clover, mainly because it’s a great team and a beautiful app. But I’ve yet to talk to anyone who’s actually used the service.

Finally, there’s an elephant in the room here…and in the image at the top of this post. Google Wallet. Unfortunately there are a lot of factors that prevent Google Wallet from being a be-all, end-all solution. The primary problem? It’s locked to Android right now. And even then it’s locked to only a select few Android phones. It’s a big promise, but one that will take a lot of time to come to fruition.

The end result is that there probably isn’t one “great” choice, just yet. But we’re moving in the right direction and that’s important. For me, it’s a combination of (begrudgingly) using PayPal when I have to and reverting to Dwolla when I can. Maybe your situation will be different, but hopefully this has helped you gain some insight.

With more phones and more options opening every day for mobile and peer to peer payments, the waters are getting a bit muddied. At the request of some of TNW’s Twitter followers, we thought we’d put together a list of the leading options, including the pros and cons of each. Expect this post to be updated as the landscape changes.

San Francisco announced earlier this week it was partnering with PayByPhone to enable 30,000 parking meters with NFC support. People can tap their phone against a parking meter and call up a parking application that identifies the parking location and allows the driver to enter his or her desired parking time and complete the transaction. The actual payment happens inside the app with a stored credit card, but the technology provides a short cut to the transaction.

Intel and MasterCard have teamed up to enable future Intel-powered laptops to work with PayPass enabled MasterCard credit cards. Users will be able to enter in their payment credentials for online purchases by tapping their card on their computer instead of storing the information on their machine or entering it manually.

Personal contact and content sharing has become one of the emerging uses for NFC. RIM in October introduced BlackBerry Tag, which will enable users of NFC phones to exchange contact information, documents, URLs, photos and other multimedia content with a tap of their phones. Google has enabled a similar a solution with Android Beam, which will work on NFC-enabled phones. This can serve as a Bump-like way to pass back and forth information quickly.

Access card maker HID Global announced a trial with Arizona State University in September in which students were provided NFC-enabled phones, enabling them to gain physical access to buildings. All the participants were able to enter residence halls with their phones, and some were also allowed to open individual room doors using unique digital key and PINs.

The Museum of London and its sister institution, the Museum of London Docklands launched a project in August that allows visitors to tap their NFC-enabled phone at exhibits and gain more information, buy tickets to future exhibits or check in, follow or “like” the museums on social services. It’s part of Nokia’s NFC Hub effort to help businesses set up NFC campaigns.

T-Mobile partnered with Meridian Health and iMPak Health in October on a new SleepTrak sleep monitoring system, a wearable device with an NFC-equipped card. Users can upload their sleep data to an NFC-enabled Nokia astound with a tap.

Nokia and NFC Danmark launched NFC-enabled smart poster campaign in Telia stores in Denmark, enabling Nokia N9 users to download mobile apps by tapping on a poster. The two companies also introduced what Danmark called the world’s first NFC-enabled vending machine.

The winning application of the WIMA NFC USA conference in San Francisco earlier this month was a project called Think&Go, which is being tested by French supermarket chain Groupe Casino. Think&Go allows visually impaired and elderly shoppers to call up large text information on products by tapping NFC tags on store shelves.

These are just a sample of the projects and real applications leveraging NFC. As you can see, none of them are actual mobile wallets. The biggest thing they provide is a real short cut to information and actions that can happen without much work. Many of these things can be done through QR codes, bumping, Bluetooth or other methods, but NFC provides a very simple and often elegant way to get through the process.

Also, in some of these cases, what’s also nice is that since they aren’t trying to conduct sensitive transactions, they don’t need to access the secure element inside a phone. That could be a limiting factor in the roll out of NFC, because the owners of the secure element, often the carriers, don’t seem to be in a hurry to enable a lot of other NFC payments systems. But with a host of other non payment uses emerging, users won’t have to wait to find out if their digital wallet is enabled on their particular phone. There might be other ways they can experience the power of NFC first. That will help in just teaching people the practice of tapping for information, transactions and access.

We’re still very early in the NFC game and the phones are just now trickling out in the U.S. But there’s going to be a much bigger flow of NFC-equipped phones starting next year. It’ll be these broader applications that might convince users that the technology has merit.