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Big news today in the world of mobile payments: the three largest operators in the UK have announced a joint venture to offer mobile wallet services to its customers, in the hopes of finally kick-starting a service that has been long on discussion but painfully short on execution up to now. O2 UK, Vodafone (NYSE: VOD) UK and Everything Everywhere (itself a joint venture between France Telecom’s Orange UK and T-Mobile UK ) are banding together to form what they call a cross-platform, single solution. The operators say that this will create a simplified, one-stop shop for banks, merchants, advertisers and other marketing partners in the mobile payments value chain.

And perhaps most importantly: with companies like Google (NSDQ: GOOG), Visa and to a lesser extent Square looking to spearhead mobile payments with themselves in the center of the transaction, it’s clear that that mobile operators have decided that scale, and control of those all-important SIM cards, is their best weapon.

“We’ll be customers of the venture, anyone can be,” explained Ronan Dunne, CEO of O2. “[O2, Vodafone and Everything Everywhere] have actually built and developed capabilities and we’re putting this together [and] creating a market for those who don’t have the scale to do it. The JV makes it easier to access this.”

This is the world of web 3.0, or what we call the ‘transcendent web’, and it will bring profound changes to people and businesses alike. The benefits it will provide users include the creation of a much more personalized web experience and the automation of many of the services already in use. Businesses too, will benefit from vastly greater amounts of information about consumers and thus the opportunity to market and sell to them much more directly. They will also be able to take advantage of the greater operational efficiencies brought about by technologies that will keep people, processes and products much more tightly connected. The transcendent web will play a critical role in the digitization of industries as wide-ranging as telecommunications, financial services and healthcare.

The Internet of Things: More and more things are being made Internet-enabled — houses, cars, appliances, even clothing — allowing them not just to be located through technologies like radio frequency identification but to communicate richer amounts of information about themselves; all of this becomes not just possible but also visible to web users.

there are very few executives, only a fraction, who are actually creating next-generation social experiences for their companies like Jeff Schick. The IBM executive doesn’t just leverage social business solutions, he and his team create them. “We started well over 15 years ago. We’ve been thinking about how to better connect people with people and people with information in terms of IBM itself,” Schick says, “the idea of getting the right person over the right opportunity at the right time to yield the right result was genuinely a business imperative at IBM.”

At Big Blue, the company encourages the use of Twitter, Facebook, LinkedIn, and blogs to support their sales, communication, marketing and recruiting efforts.  While employee’s social interactions are not under a microscope, the experiments in social on a massive scale have led to a set of social business conduct guidelines that govern their employees’ social interactions. Schick advises that you need to establish behavior standards for employees to follow.

So why do they do it? Since they are both an early adopter and creator of social technologies, they’ve learned that content management, business process management, collaboration, commerce and analytics must all be combined with a social layer to create a universal and unified solution.

At most companies, going AWOL during daylight hours would be grounds for a pink slip. Not at Best Buy. The nation's leading electronics retailer has embarked on a radical--if risky--experiment to transform a culture once known for killer hours and herd-riding bosses. The endeavor, called ROWE, for "results-only work environment," seeks to demolish decades-old business dogma that equates physical presence with productivity. The goal at Best Buy is to judge performance on output instead of hours.

Best Buy did not invent the post-geographic office. Tech companies have been going bedouin for several years. At IBM (IBM ), 40% of the workforce has no official office; at AT&T, a third of managers are untethered. Sun Microsystems Inc. (SUNW ) calculates that it's saved $400 million over six years in real estate costs by allowing nearly half of all employees to work anywhere they want. And this trend seems to have legs.

Another thing about this experiment: It wasn't imposed from the top down. It began as a covert guerrilla action that spread virally and eventually became a revolution. So secret was the operation that Chief Executive Brad Anderson only learned the details two years after it began transforming his company. Such bottom-up, stealth innovation is exactly the kind of thing Anderson encourages.

Are mobile payments the new speech recognition technologies?

One of the bigger stories in mobile this year has been the growing investment and hype behind the idea of using one’s mobile phone as a method of payment, but it’s pretty clear that the details of how any one company or organization will build a mobile-payments system are still very much up in the air.

a sizable number of people and companies believe that the smartphone can be a natural evolution of the credit card in just a few years.

New mobile payment services help banks realise the future of payments

Visa Europe, Europe’s leading payments technology company, today announced the launch of Visa Mobile Person-to-Person payments and Visa Alerts: two new services designed to help consumers manage their money and make payments using their mobile phones.

the new services give Visa Europe’s member banks the tools to respond to growing consumer demand for fast, secure, convenient and innovative ways to make and manage payments using their mobile phones.

“There’s been an ‘intranet of things’ in manufacturing for years now,” says Tony Paine, president of Kepware (www.kepware.com), a technology company in Yarmouth, Maine that develops communication and interoperability software for the automation industry. Explaining his statement, Paine points to the growing use of preventative and condition-based monitoring that are widely accepted, if not always implemented, by most manufacturers.

“This is not just about connecting smart devices, this is about modeling all the things in your manufacturing world so that it’s easy to remix them in new ways to build new applications,” says Russ Fadel, chief executive officer of Thingworx (www.thingworx.com), a two-year-old company located in Exton, Pa. The company combines the key functionality of real-time data, mashups, search, social media and the semantic web, and applies it to any process that involves people, systems, devices and other real world “things.”

“That kind of automated, connected response could save you, say, 3 percent on your utility bill,” Fadel says. “The ability to remix people and systems to interact with radical equality—this will be the source of some unexpected innovation. For manufacturers, the Internet of Things is not just about connecting your car to your alarm clock, it’s about creating a competitive advantage.”

It’s like a Hollywood political thriller come true: a handful of people lurking in the shadows, controlling the minds of millions. New research reveals that it’s possible for a few individuals to enslave an entire network, even if they aren’t highly connected themselves.Scientists have figured out how to identify the nodes — the points that link to other points in a network — that when tweaked can control the entire network. The research, published in the May 12 Nature, might lead to more secure power grids, tricks for controlling the metabolic processes of cells and marketing campaigns that spread like the plague.

Verizon Wireless and financial management company Intuit announced today a partnership that will bring Intuit's mobile card reader to 2,300 Verizon retails stores across the country. The partnership is yet another big move in the mobile card reader industry that has been popularized by Square and includes Verifone, Erply and PayAnywhere among others. Intuit operates QuickBooks, a system used by merchants to manage finances. As such, GoPayment fits well in Intuit's product line. Verizon will be able to put the Go Payment in front of millions of people looking for mobile payment options. It is a win for both companies and a strike to Square, which is putting up a big fight against the large financial companies that are rapidly entering mobile payment industry.

The GoPayment card reader will be "free" to Verizon customers granted activation of a GoPayment account and a mail-in rebate of the $29.97 purchase price. The app itself is free and has no monthly transaction or cancellation fees with a 2.7% rate for each swiped transaction. A paid version of GoPayment is available that lowers the per swipe transaction rate to 1.7% with a $12.95 monthly fee, which will be good for retailers with high volume.

Square sells for $9.95 at the Apple Store but consumers get a $10 credit from the company when they sign up for an account. Square also has a 2.7% fee for swiped transactions

Badges for Javascript courses are currently being developed at the School of Webcraft by Mozilla. It also plans to rope in diverse groups such as P2PU, 4H, NASA, PBS, US Department of education and Intel to develop badges. This new process claims to be of advantage to learners as they will be given an opportunity to collect badges from any internet website. These collected badges will reveal the learner’s proficiency in various subjects. And that’s not all, it is believed that open badges may prove beneficial for users to build online reputation, look for collaborators and find jobs. “Open Badges is a response to this trend: an open specification and APIs that provide any organization the basic building blocks they need to offer badges in a standard, interoperable manner. If we’re successful, the benefits to learners will be tremendous. Open Badges will let you gather badges from any site on the internet, combining them into a story about what you know and what you’ve achieved,” states the Mozilla blog.

Governance can mean a lot of different things. In this context, it needs to be the foundation of the content plan. Not in terms of content creation but in terms of standards and processes for expanding into a certain market. For example, Company A wants to launch a Facebook page and Twitter channel in Latin America to support its operations into that region. A governance model will ensure that the regional marketing team has the following lined up before launch: A content plan to include frequency and context of Tweets, Facebook Updates, blog posts (or whatever relevant tools/platforms are used in that region) An established moderation policy A crisis communication plan An understanding and “buy in” of the measurement philosophy (everyone in the organization SHOULD be measuring social media the same way)

Content Library If it’s one thing that marketing teams in other regions lack, it’s content. The reality is that most brands do have really good content. It’s just scattered all across the internet, various internal portals and even within employees’ inboxes. Content can include videos, PDFs, spec sheets, FAQ, blog posts, infographics and the list goes on.

Community Management Without an active community manager, a content marketing plan will fail. A community manager will not only be responsible for actively posting and aggregating content; but he/she is essentially the face of the brand and should be sanctioned to solve customer problems. A proficient community manager will answer questions and provide real and “tangible” solutions to disgruntled customers. Additionally, he/she should have the authority to provide rewards to random customers simply for being customers.

PayPal has shown their new peer-to-peer NFC payment system at MobileBeat 2011 today, using two Android powered Samsung Nexus S phones.  The premise is simple -- open the app on both phones, enter the payment amount on one, and bump them together.  After the buzz, enter account details, and the payment is processed.  Afterwards, the normal email receipts are generated and sent out, just like we did it in the old days.There's no firm date when to expect this, but PayPal says "late this summer".  Another compelling reason for manufacturers to put NFC capabilities in their new models, or just a security concern?  Either way, we'll find out soon enough.  Hit the break to see a demo video.

The EPC network, using tiny RFID (Radio Frequency ID) tags, will enable computers to automatically recognize and identify everyday objects, and then track, trace, monitor, trigger events, and perform actions on those objects. The technology will effectively create an "Internet of things." RFID will fundamentally impact the industries of manufacturing, retail, transportation, health care, life sciences, pharmaceuticals, and government, offering an unprecedented real-time view of assets and inventories throughout the global supply chain. And in the process, whole new vistas (and challenges) will open up to software developers.

David McCullough has connected up into Pachube’s public platform, to share, store and visualise weather sensor data, using the Opengear ACM5000 smart device server

Pachube is a global data brokerage platform for the Internet of Things, managing millions of datapoints per day from thousands of individuals, organisations and companies around the world. By sharing data feeds from and between physical Things, such as environmental sensors, smart meters, building management and process control systems, Pachube provides a globally distributed data ecosystem and application development platform.

The Opengear ACM5000’s Linux system under the hood made integrating Pachube API support quick and easy using the free Opengear Custom Development Kit. The ACM5000’s legacy as an industrial-grade, rugged device that is proven and reliable in harsh environments, and wide array of network and data ports, make it an ideal solution to provide network connectivity and data telemetry for things such as weather stations.

a new study conducted and released by Latitude, a technology research consultancy, published in collaboration with ReadWriteWeb. The study’s main takeaway message: “kids are predicting that the future of media and technology lies in better integrating digital experiences with real-world places and activities. They’re also suggesting that more intuitive, human-like interactions with devices, such as those provided by fluid interfaces or robots, are a key area for development.”

Researchers scored the kids’ inventions on the presence of specific technology themes, such as type of interface, degree of interactivity, physical-digital convergence and user’s desired end-goal.

The Digital vs. Physical Divide is Disappearing: Children today don’t neatly divide their virtual interactions from their experiences of the “real world.” For them, these two realms continue to converge as technologies become more interactive, portable, connected and integrated.

Commonwealth Bank of Australia has unveiled Kaching, a mobile phone application and case capable of conducting NFC-based, e-mail P2P, and Facebook payments from a single handheld device.

Commbank Kaching combines peer-to-peer payments via the phone's contacts and email addresses, and 'social payments' via a user's Facebook friends along with NFC contactless technology.

David Lindberg, executive general manager cards, payments and retail strategy says: "The recent explosion in uptake of digital and smartphone technology has revolutionised how we all transact, interact and communicate with each other, and this new application will make the dream of mobile payments a reality."