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Marc-Alexandre Gagnon

New 5 Billion Page Web Index with Page Rank Now Available for Free from Common Crawl Fo... - 0 views

  • 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."
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  • The organization was formed three years ago, just now started talking about itself publicly and believes that free access to all this information could lead to "a new wave of innovation, education and research."
  • Open Web Advocate James Walker agrees: "An openly accessible archive of the web - that's not owned and controlled by Google - levels the playing field pretty significantly for research and innovation."
Marc-Alexandre Gagnon

The Paypers. Insights in payments. [11Nov11] - 0 views

  • Adyen, a provider of global internet payment and e-commerce services, has been selected by France-based cinema chain operator Pathé to power online and mobile payments for the latter’s 21 cinemas across the Netherlands.
  • Pathé in the Netherlands has chosen Adyen to integrate payment processing into its existing online and new mobile ticketing services.
  • With Ajax technology form Ayden, online and mobile payments are set to be processed on a single screen with a single click, instead of loading multiple pages to run through payment acceptance.
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  • In recent news, Adyen has opened a new Latin America office in Sao Paulo, Brazil.
Dan R.D.

21 Tips for Using Twitter and Facebook for Business [03May10] - 1 views

  • 21 Tips for Using Twitter
  •  
    "Businesses want to see results, that's the bottom line. Social media, as the title suggests, describes a social experience not necessarily a business one. This list helps to focus in on how business can benefit from the social processes to engage both internal collaboration and external customers and partners; perhaps a more appropriate name would be 'Business Media'?"
D'coda Dcoda

Emotion transference: Telenoid [22May11] - 0 views

  • As a clinician fascinated by the use of new technologies to achieve outcomes, it’s hard to go past anything that is looking at bridging the divide between human emotions / touch and technology. Telenoid is one such project. It’s aim is to provide an effective way to transfer people’s presence. The research on telepresence is booming and it’s fairly widely accepted that videoconferencing is superior to teleconferencing and that platforms like virtual worlds provide even better telepresence sometimes. Telenoid is a step further again, providing a tangible means of interacting with someone remotely. In the second video below you’ll see its creator citing a key inspiration was the ability for remotely located grandparents to interact more with their grandchildren. That alone is laudable but for me the clinical simulation potentials stood out pretty strongly.
  • Real patients as simulation Imagine the ability to have a ‘patient’ reflecting the emotions and speech of a real person in combination with the current simulation functionality i.e. feedback, monitoring of biometric data etc. Taken a step further: a real patient experiencing a real health issue is able (with consent of course) to have their experience transferred to a simulation exercise in real time. There are already consumer devices on the market able to control avatars via thought processes, this is only a small step beyond that.
  • A specific example:
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  • a. Marjorie is a patient with bowel cancer who is scheduled to have chemotherapy.
  • b. She consents to her next outpatient chemotherapy session being used for simulation purposes with third-year nursing students at a local university.
  • c. On arrival at the clinic for her chemotherapy, Marjorie agrees to wear a discreet headset that both captures her emotions as well as her voice as she goes through the process.
  • d. At the university the students are in a laboratory environment set up for chemotherapy and the simulation mannikin is reflecting Marjorie’s experience as students use the same clinical pathway as the clinic to simulate providing the chemotherapy. The voice recorder allows the students to hear what the nurse is actually doing for Marjorie, providing the opportunity to contrast practice and to ‘see’ what impact that practice is having on Marjorie.
  • Videos
  • The first video shows a conversation with Telenoid:
Dan R.D.

Edible RFID tags track your food from beginning to end (Video) [03Jun11] - 0 views

  • Keeping track of everything we eat would be a great idea, and I'm sure we'd learn all kinds of things we don't really want to know about our diet and overall health. Until now it's been a major hassle to do this, but tiny digestible RFID tags could automate the entire process for every si
  • Keeping track of everything we eat would be a great idea, and I'm sure we'd learn all kinds of things we don't really want to know about our diet and overall health. Until now it's been a major hassle to do this, but tiny digestible RFID tags could automate the entire process for every single piece of food that we consume.
  • NutriSmart is a concept for a food tracking system that uses RFID tags embedded in food along with a special plate that scans everything you eat, for the purposes of tracking nutrition and food allergies as well as to provide a little extra information on just what exactly it is that you're scarfing down:
D'coda Dcoda

Twitter permission change hurts third-party mobile apps [21May11] - 0 views

  • Twitter is updating its authentication system to give users more control over how third-party applications can access their accounts. Applications will now have to explicitly request additional permission from the user during the authentication process in order to send and receive direct messages on behalf of the user. At first glance, the change seems like a welcome improvement to the Twitter APIs. Support for granular permission tiers is one of the technical advantages of authority delegation systems like OAuth
  • Twitter's approach to implementing the feature comes with some serious problems for third-party client implementors
  • The OAuth standard was originally intended to enable server-to-server authentication for limited third-party access to non-public APIs. It is poorly suited for open APIs with an arbitrary number of independent third-party applications. More significantly, it doesn't address the needs of desktop and mobile authentication at all. Despite the significant limitations of the standard, it is being adopted and mandated by a number of social networking services, including Twitter.
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  • OAuth authentication process must be carried out in a Web browser and involves a series of redirects: a third-party site sends the user to the Twitter website to log in and approve access and then Twitter redirects the user back to the initiating third-party site and appends a token that the third-party site can extract and use to identify the user to Twitter. The advantage of this system is that the third-party site never gets the user's actual password, just a revokeble token
  • The obvious problem with this system is that the redirect dance doesn't work for native non-web applications.
Dan R.D.

New Tool Uses Webcams to 'Read' Credit Cards [26Aug11] - 0 views

  • a Silicon Valley tech firm named Jumio has rolled out a program called Netswipe that lets anyone with a webcam — including bloggers, thanks to a new WordPress plug-in that was just introduced — accept credit cards.
  • With Netswipe, the merchant uses a computer’s webcam (or the built-in camera in the smartphone version) to “read” a customer’s credit card, using sophisticated technology that can perceive details like the raised lettering on the card to authenticate the purchase.
  • For small businesses, Mattes says he’ll charge 2.75 percent of the cost for processing the transaction. While this is steeper than the average processing cost for credit or debit transactions, the merchant doesn’t also have to pay monthly fees, as they do to ordinary network processors.
Jan Wyllie

National crowdsourcing project to better predict world events [28Jul11] - 0 views

  • With the goal of creating a more powerful “prediction engine,” for forecasting everything from the price of gas in the U.S. to the nuclear capabilities of Iran, Stone’s research team is looking for individuals to contribute their knowledge in topic areas such as politics, the military, economics, science and technology, and social affairs. “This kind of enhanced predictive analysis capability will help the intelligence community provide early warning and leading indicators of events,” said Stone, who has published studies on the nature of expertise and how to make well-calibrated, non-overconfident judgments. “The idea is to combine individual judgments from a lot of people who all know a little to provide a tremendous amount of information.  Unlike the current process, our procedure captures, shares and combines expert opinions in a manner to make forecasts as accurate as possible.” The ACES process provides opportunities for anonymous sharing and deliberating before making forecasts and will provide participants feedback on their contributions and predictive successes.
  • According to ACES Principal Investigator Dr. Dirk Warnaar, “Some people know important details that can make the future predictable in many cases. They often do not share their insight with others. Our project is designed to find out what people know, have them share this knowledge with others, and ask them to make a prediction based on what they and others know.”
Dan R.D.

Motivating Gen X, Gen Y Workers - Motivating Employees [10May10] - 0 views

  • Motivating Gen Xers
  • Room to grow. Offer Gen X employees clear statements of goals
  • Opportunities to make choices. Since this generation has become accustomed to "fending for themselves," provide options--options for task selection, options for challenges, options to formulate new processes, and options to develop creative yet appropriate conclusions.
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  • They can also be thought of as the "over-scheduled" generation.
  • The approximately 70 million Gen Yers came next, born in the mid to late 1970s through the late 1990s. They have often been called the "Trophy Kids" because on sports teams and in school, each child, regardless of capability, when provided a chance to contribute and perform, was often given some kind of a certificate or award just for having participated. (Recall, in contrast, how previous generations received credit only when they won.)
  • Mentoring. Strong, relationship-oriented mentorships are a great value for young employees.
  • Motivating Gen Yers
  • Multitasking. Provide more than one task to accomplish at a time, but without overwhelming them.
  • Collaboration. Create work teams or partners to work with, where appropriate.
  • Structure. Provide structure and clear guidelines, and at times, specific processes or approaches for achieving goals.
  • Technology. Encourage and allow them to use the latest technology in the work setting.
  • Challenges. Positively challenge their interests, abilities and achievements.
  • Relationship building. Create a bonding relationship with them so that they feel comfortable asking for input and direction and know they can rely on you as the authority figure when the need arises.
  • Positive reinforcement. Reward them frequently with positive feedback and citations for successful accomplishments and milestones on the road to longer-term achievements.
  • Engaged leadership. Set up specific and regular times to meet with and supervise them. Demonstrate your sincere interest in their professional growth and success.
  • Communication. Understand that they prefer using electronic means to communicate with you as opposed to face-to-face meetings.
Dan R.D.

Three Years of Transforming Businesses with Cloud [17Sep11] - 0 views

  • In working with thousands of clients, IBM has established that businesses and the world at large have become more interconnected and certainly more intelligent. Just to toss out a few factoids – data is growing at 6 trillion bytes per second, IP traffic will accelerate in 3 years to over a trillion gigabytes, and as of 2010, there were an estimated 30B RFID tags across the global ecosystem. Almost 162 million smart phones were sold in 2008, surpassing laptop sales for the first time. Soon there will be one trillion connected devices in the world, constituting an “Internet of things.” This environment provides both the individual and the organization the opportunity to adapt their thinking and actions to address the challenges of the new world.
  • Clouds are now seen as an element of a transformative process. Organizations spend time looking at their business processes and deciding which ones to change for competitive advantage as they move into the cloud. More efficient workflows that incorporate “outsiders,” such as customers, contractors, and suppliers can be created.
  • The ability to allow outside partners to connect to a legacy application via the cloud is an important consideration.
Marc-Alexandre Gagnon

Study: Someday our bodies could 'talk' to gadgets - Tech News and Analysis [23Sep11] - 0 views

  • UW researchers say this new type of transistor could one day understand or even control body functions.
  • Materials scientists are looking at these proton-based microscopic transistors for future advances in prosthetics and biological sensing.
  • In the body, protons activate “on” and “off” switches and are key players in biological energy transfer. Ions open and close channels in the cell membrane to pump things in and out of the cell. Animals, including humans, use ions to flex their muscles and transmit brain signals. A machine that was compatible with a living system in this way could, in the short term, monitor such processes. Someday it could generate proton currents to control certain functions directly.
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  • A first step toward this type of control is a transistor that can send pulses of proton current. The prototype device is a field-effect transistor, a basic type of transistor that includes a gate, a drain and a source terminal for the current. The UW prototype is the first such device to use protons.
  • Because their device’s proton current can be switched on and off, it can act as its own kind of electronic current, according to Marco Rolandi, a UW assistant professor of materials science and engineering. The transistor itself is “a twentieth the width of a human hair,” or about 5 microns wide. It is made of a compound, chitosan, found in both crab shells and squid pen (the structure inside a squid’s body that muscles attach to).
  • The first applications of this research will come some time “in the next decade or so,” and will be aimed at direct sensing of cells in a lab, researchers say
  • But further out they could be implanted directly in living organisms to monitor or control bodily processes.
Dan R.D.

The Smart Grid Offers a Glimpse into the Internet of Things [18Oct11] - 0 views

  • Smart Grid deployments are not only delivering improved energy security, grid reliability, and consumer control to us, they are bringing the Internet of Things closer to reality.  The Internet of Things (IoT) is defined in the Smart Grid Dictionary as a conceptual description of the ability to connect any objects with an IP address and some level of embedded intelligence to the communications network.  Embedded intelligence can include localization, sensing, identification, security, networking, processing, and control. 
Dan R.D.

Coming Soon to a Bank Near You: Cloud Computing [02Nov11] - 0 views

  • The financial services industry is warming up to the idea of using the cloud for some of its critical computing needs. More than half of bank transactions will be supported by cloud-based infrastructure and software by 2015, according to a recent report from Gartner.
  • That is the expectation of about 39% of financial services CIOs worldwide, according to the survey. In Europe, the Middle East and Africa, 44% of CIOs for banking firms expect that more than half of their institutions' transactions will take place via infrastructure that lives in the cloud, and 33% expect most of them will be processed using some type of SaaS application.
  • For banks, the cloud can offer far greater computing power and scalability. Migrating critical operations there won't be without its risks, however. Security and stability are always a concern when moving to the cloud, and that's especially true when highly sensitive data like financial transactions are involved. It simply requires that systems are architected in a secure and fail-proof way.
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  • As Gartner Managing Vice President Peter Redshaw summed it up, "Successful new cloud services can displace the existing and dominant process for design, distribution or transacting in a disruptive way, rather than just incrementally improving them."
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.
Dan R.D.

Forget wallets. What else is NFC good for? - Tech News and Analysis [16Dec11] - 0 views

  • 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.
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  • 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.
Marc-Alexandre Gagnon

Demystifying Enterprise Gamification for Business | Constellation Research Inc. [06Dec11] - 0 views

  • Gamification describes a series of design principles, processes and systems used to influence, engage and motivate individuals, groups and communities to drive behaviors and effect desired outcomes. Originating from the video game industry, many of these pioneering concepts now play a key role in driving incentive and behavior management for both brands in the consumer world and internal scenarios in the workplace. Enterprise gamification is a user experience (UX) and consumerization of IT (CoIT) trend that will take the market by storm in 2012. Constellation believes that by 2013, more than 50 percent of all social business initiatives will include an enterprise gamification component.
  • In interviews with 55 early adopters of enterprise gamification, Constellation identifies the three core pillars that include measurable action, reputation and incentives. By creating triggers through both monetary and non-monetary incentives among customers, employees, partners, suppliers and other interested parties, organizations can secure sustainable engagement and drive business outcomes such as improved marketing response from external communities, sustained long-term customer loyalty, increased collaboration among internal teams, or enriched onboarding, delivering success with new hires, partners, and customers.
  • Enterprise gamification requires an application of psychology and behavioral economics to incentivize outcomes. Because enterprise gamification maps closely to human behavior, organizations will want to follow Constellation’s best practices in appealing to the “Seven Deadly Sins” for gamification design.
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  • Purpose and Intent Much hype surrounds the topic of gamification. Often seen as a technique to add engagement to existing tasks, projects, marketing campaigns, and initiatives, the term gamification unfortunately lacks the seriousness it deserves. This report seeks to change the point of view and demonstrate where gamification plays a role in the enterprise. More importantly, executives will discover how gamification can drive behavior and outcomes through both monetary and non-monetary incentives in enterprise class settings.
Marc-Alexandre Gagnon

Starbucks apps account for 26M mobile payments and $110M in card reloads | VentureBeat ... - 0 views

  • The Starbucks brand may be synonymous with pricey lattes, but the coffee conglomerate has pushed a number of mobile initiatives in 2011 to make its name also stand for digital innovation.
  • New numbers released Monday suggest that the strategy is working.
  • Starbucks has now processed more than 26 million mobile payments since January, Adam Brotman, vice president and general manager of digital ventures at Starbucks, told VentureBeat.
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  • Add to that the fact that more than 6 million of those mobile transactions occurred during the past nine weeks — which is more than double the 3 million transactions the company saw in the first nine weeks post release — and the data shows a growing number of consumers are going wallet-free and opting instead to pay for their daily coffee runs with the Starbucks mobile app.
  • Starbucks mobile pay, a prominent feature of the company’s iPhone and Android applications, was released in the U.S. in January. Consumers can use the mobile app to load money on to a digital Starbucks Card and present a 2D barcode to pay-by-scan at the register at more than 9,000 locations. The program launched in Canada in November and will land in the U.K. in January 2012.
  • Of the $2.4 billion loaded on to Starbucks Cards in fiscal year 2011, $110 million was loaded onto cards via Starbucks mobile apps. The mobile figure equates to just under 5 percent of all reloads, but does highlight a shift in how customers engage with Starbucks cards. “Customers love the ease of [Starbucks card] reload and autoload on their apps,” Brotman said.
  • Mobile app users are also tapping the company’s e-gifting feature to send the electronic gift of Starbucks from their phones. E-gifting was added to the apps in June — it was previously available as a web-only feature — and now accounts for 10 percent of total e-gifting volume.
  • The company’s early successes on mobile have allowed it to experiment with apps like Starbucks Cup Magic, a one-off holiday application released in mid November that adds a layer of augmented reality to the in-store experience. An app user can point his device’s camera lens at a holiday character on Starbucks cups, coffee bags or in-store signage, and watch the character come to life. The app has been used in this capacity more than 450,000 times to date, Brotman said.
  • Starbucks also now has 3.6 million customers in its My Starbucks Rewards loyalty program, and 2 million members have reached the highest Gold level.
  • Altogether, the stats show that the company’s Starbucks Card, loyalty, payment, e-gifting and drink builder modules and programs are converging into a single, mobile experience that customers truly love, Brotman said.
Dan R.D.

By Open Sourcing webOS, Hewlett-Packard Distancing Itself From Mobile Platform - 0 views

  • So, HP is now distancing itself from webOS under the guise of making it open source. It presumably could not find a company willing to buy the platform so now it is taking the only avenue that is available. HP now has very little way to make money off of webOS. As a licensed open source project, it is not going to be able to sell licenses to the platform, the way Microsoft does with Windows Phone. Nor does it have Google's clout in the advertising world to monetize webOS the way Android does. HP must pin its hope on the notion that developers, OEMs and carriers will pay HP for its software and cloud services in the development of webOS applications.
  • Herein lays the problem. As an open source project, developers will be able to choose whatever cloud and development tools they want. The fact that webOS is so closely tied to the Web does not help either because there are a variety of solutions to make HTML5 Web apps outside of HP. From the startup realm with companies like appMobi, Sencha, Appcelerator to enterprise developer companies like IBM and SAP, HP has no way to tie the development process to itself in an open source environment. Google has accepted this fact and lets the Android ecosystem do as it pleases because as long as people have Android devices in their hands, Google stands to make money from when and how they use the Web and native apps on the device.
Marc-Alexandre Gagnon

How Mobile Payments Will Evolve In the Next Several Years - 0 views

  • Mobile payment has become a mainstream tech topic in the last couple of years, mirroring the rise of smartphones and application stores. E-commerce is becoming m-commerce. The focus point of the buzz has been the evolution of near-field communications as related to smartphones. The thing is, nobody in the payments industry expects NFC to be a player in mobile payments for years, if ever. In that case, what does the mobile payments ecosystem look like in the short term?
  • The current mobile payments market centers around several cores: direct carrier billing, mobile wallets, online and offline sales, mobile credit card readers and application stores. During meetings with various mobile payments experts and executives at CTIA last week, the most uttered phrase was: "This is not something I would use to buy a fridge." Where are mobile payments going?
  • The Non-Promise of NFC OK, let us get one thing straight: NFC may never be a widely used form of payments. There are so many reasons why it will not be. Foremost, the logistics of NFC are a nightmare. The actual technology is probably ready. The infrastructure around the technology is not. There are too many competing interests coming from above the retail market that creating a universal NFC reader between smartphones and financial services is not going to happen anytime soon. The closest thing to a widely used system would be Mastercard's PayPass, but even as widespread as that is, it is no where near the type of market penetration that would create an inflection point for NFC to take off. Second, PayPass needs a software upgrade to offer any type of deals, something that will be important in the mobile payments world.
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  • The second half of the NFC conundrum is that there are a lot of hands reaching for the supposed pile of money that NFC payments will enable. Look at Google's announcement of the Wallet product. Or the ISIS partnership between Verizon, T-Mobile and AT&T. Google is partnering with Mastercard, CitiBank, Sprint, FirstData, Verifone, VivoTech (the NFC partner), Hypercom, Ingenico and NXP (another NFC partner). All of these large companies are going to want a slice of the pie. Where does that leave the retailers? You know, the ones that are actually trying to make money with good and services? Sadly, on the outside of the circle. The carriers are the biggest culprits, wanting to take as much as 50% of transaction revenue because it is "going over their pipes." The financial services companies will be happy taking their normal rates in the 1.75% to 3% range as long as there is a promise that more people will pay electronically (read: sans cash). Between retailers, partners and infrastructure, NFC has years to go before it will be viable for all parties involved.
  • What will happen in this time frame? Think about the so-called "4G" technology WiMax. The technology is already becoming antiquated with LTE and all the major carriers are working on the next version after that. Sprint is keeping a hybrid of WiMax and LTE going forward but overall it is a tech that died before it even matured. NFC may be the same. What if there are massive leaps in quantum teleportation in the next several years? Does NFC become the WiMax of the payment world?
  • Maturation Of Direct Carrier Billing The "I do not see myself buying a fridge with this" line comes mostly from the direct carrier folks. Direct carrier billing is the perfect area for micro-payments and payments that stem from ease of use. Think of parking. If you could pay for your parking on the street with your phone, would that convenience be worth an extra couple of cents on the dollar to you? The direct to carrier ecosystem has evolved to the point where it actually makes sense for offline and online use. Zong (acquired by eBay for PayPal integration), PaymentOne and Boku are the leaders in this space. PaymentOne has processed $5 billion in mobile payments and lets users pay with their phone numbers, validating transactions via text. Zong allows that capability as well. Payment One's "One Care" features, announced last week at CTIA, makes direct to carrier billing safe and secure. Transparency is important in mobile commerce because consumers do not really trust their phones to handle their money quite yet. The most important aspect of direct to carrier billing now is that the revenue mechanism has been flipped. It used to be that merchants only got some 40% or less of payments while the carriers and partners took the rest. Even with high margin transactions, that is unacceptable. Today, direct to carrier billing provides the merchants with more than 80% of the revenue, sometimes nearly 95%.
  • The Dongle World: Smartphones As Credit Card Readers Square, VeriSign and Intuit are pushing hard into the dongle department. Jumio is doing the same thing, just without the dongle. There is not much to be said about the dongle world that we have not already touched on at ReadWriteWeb outside of the notion that it is bringing easy credit card readers to the mobile masses.
  • The dongle competitors are not worried about what is happening in the ecosytem because it does not really touch their core business. For instance, PayPal does not see NFC or dongles infringing on its business in any way, shape or form. As Laura Chambers, PayPal's head of mobile, said in a recent interview, "we are not worried about much in the ways of competition. There is a lot of white space in the industry for horizontal movement."
  • What Is PayPal Really Doing? In the interview with Chambers, the first question I asked was, "Why does it seem like PayPal has become a "me too" operator in mobile payments?" It is a fair question, even if Chambers balked to acknowledge that PayPal has been in "me too" mode for the last year or so. PayPal has ignored the dongle movement and NFC is not on its radar as a technology it feels it needs to integrate. "What is the difference between a tap versus a swipe?" Chambers asked. "We are working with what works in the current infrastructure ... We have sat down with consumers and merchants to work with them on what they want." PayPal is growing sideways because there is not a ton of room right now to grow vertically. PayPal will get into NFC solutions when the time is appropriate. Its strategy now is to create as much flexibility for consumers as possible through its mobile wallet program. PayPal's stance is data driven - the company can track when and what consumers buy from mobile phones and tablets. Hence, PayPal is focusing on the shopping end of the spectrum, as opposed to a pure payments play. "60% of people buy more and spend more on mobile," Chambers said. "But, we see that people are not really buying different things on mobile ... the No. 1 driver of growth in mobile payments is boredom." That fits in well with what PayPal sees as "couch commerce." They released a study recently saying that mobile shopping is going to boom this holiday season. As such, PayPal is ready to deploy an end-to-end solution for merchants and consumers to reward loyalty and provide deals and offers along with digital receipts. PayPal believes that it has a lot of room to grow in mobile through these types of horizontal movements. We are also seeing this on a non-mobile front with eBay partnering with Facebook and the Open Graph API and the new X.Commerce initiative that consolidates the PayPal, Zong, Magento, RedLaser and Milo technologies. The company is calling it an "open commerce ecosystem."
  • Future Of Mobile Payments This article is the first in a series of the trends in mobile payments that ReadWriteWeb will be working on in the next several months. There are a lot of questions and the answers are just beginning to emerge. Who are the winners in the space? Are retail shops in danger of "becoming expensive fronts for online shopping," as Chambers said in the interview? Does NFC really have potential to disrupt offline payments or is it just cool technology? These questions and more are what we will be tackling in the months to come.
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Livestreaming Journalists Want to Occupy the Skies With Cheap Drones [06Jan11] - 0 views

  • 25-year-old Tim Pool — an internationally known journalist who attracts tens of thousands of viewers to his live-stream broadcasts from Occupy Wall Street protests in New York, DC, LA and other cities. (His feeds and archival footage are also aired on mainstream networks such as NBC.) He and his partners hope that the toy chopper — the $300 Parrot AR Drone — will be one step toward a citizen-driven alternative to mainstream news.
  • Along with “general assembly” and “99 percenters,” Occupy Wall Street has brought the phrase “live streaming” to the forefront. Rising-star reporters — known best by their Twitter and Ustream handles — such as Pool (timcast) in New York City and Spencer Mills (oakfosho) in Oakland are passionate, deeply embedded correspondents who provide live video reporting – sometimes lasting a dozen hours or more – of protests, general assemblies and other Occupy events. Instead of using a satellite truck, they broadcast live “TV” coverage from 3G- and 4G-equipped smartphones over video networks such as Ustream.com and Livestream.com.
  • The AR Drone is the first toy that came out,” said Sam Shapiro, a 24-year-old programmer from Brooklyn who’s helping Pool hack together an airborne news network.
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  • Having thoroughly figured out how to cover giant events from ground level, they are now exploring ultra-cheap alternatives to the hundreds of thousands of dollar news choppers used for aerial reporting of big events like protest marches and police clashes. In the process, the video bloggers are discovering both how far low-cost consumer technology has come and how much farther it needs to go.
  • Built-in Wi-Fi allows control from an iPhone or Android phone. The Wi-Fi also beams back moderate-resolution (640-by-480-pixel) video to the phone
  • Introduced in 2010, the one-pound styrofoam craft has four rotors and a plethora of sensors to keep it stable and navigable. In some ways, it resembles an iPhone, with accelerometers and a gyroscope to measure movement and location, for example. Parrot says that it can fly 50 feet high, up to 11 miles per hour and stay aloft for about 12 minutes on a charge.
  • Shapiro tracked down a European hobbyist group that had written its own software, called Javadrone, from scratch “and did a much better job of it.” Pool first used the AR Drone, which he’s dubbed the Occucopter, in December to cover a New York City rally for immigrant rights, but he said that the video from that attempt was unusable. He also made a test-run at Occupy Albany. Pool expects his first coverage with the new software and high-quality video will be at the Occupy Congress action on January 17 in Washington, DC.
  • the AR Done isn’t in his long-term plans due to its clear limitations. “You need perfect weather. It just doesn’t weigh enough,” said Shapiro.
  • Pool and Shapiro are already thinking bigger for their projects, and developing better tech to eventually provide to other live stream journalists. “The most important thing is the zeppelin,” said Pool. Basically a big balloon, it will be able to lift a lot of gear with just a little power for the rotors that steer it. And the slow speed is a benefit: It holds the camera steady and won’t suddenly go out of control. In fact, they are trying to build copters that work more like zeppelins.
  • “All it needs to do is hover and take a proper picture.” Instead of relying on constant commands from the ground, the zeppelin and copter will dial in periodically for updates.
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