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PayPal’s first retail tests of its in-store payment system is happening at Home Depot, the payment company acknowledged last week. But the bigger test will be ensuring that many more retailers and merchants are in a position to easily integrate PayPal’s system as it looks to roll out its offering this year.

PayPal is taking a big step forward by partnering with AJB Software Designs, which helps connect the point of sale terminals at many tier-one retailers to payment processors and financial institutions. AJB is now incorporating PayPal’s mobile payment system into its framework and building out a specific PayPal interface, which will allow PayPal users to pay through 250,000 point-of-sale terminals that connect to AJB software. AJB said it services 20 percent of the top retailers in North America. The AJB integration should be become available to retailers in the first quarter of this year.

Retailers will still have to decide if they want to enable payments via PayPal. And the process of outfitting stores and chains can take anywhere from days to weeks. But if they choose to make the software upgrade, retailers will be able to receive payments via a PayPal Access Card or through an “empty hand” payment in which a user accesses their PayPal account by entering in their phone number at a point of sale terminal. In both cases, they will need to confirm a transaction with a PIN code and then AJB’s software takes the request and pings PayPal, which authenticates the user. PayPal can send back coupon information or deals stored on a user’s PayPal app, which the user can then decide to apply before selecting their payment form and checking out. After the transaction, users will receive an e-receipt on their PayPal app and online in the PayPal account.

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.

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.

MasterCard, the longtime credit card and payments processor, wants to reposition itself as a technology company. Throughout the latter half of 2011, it has been pushing hard on the technosphere to make sure that journalists and bloggers know the company is doing some cool stuff around payments research and the cutting edge of technology, like NFC, audio signals and QR codes that can lead to purchases through smartphones.

It now comes as no surprise that MasterCard has announced a partnership with Intel on a multi-year strategic partnership that is intended to enhance the security and payment experience for digital commerce. These are two titans in the tech and financial industries and shows one of the first steps of these two industries merging in the future.

Making A Dent In The 85%

Tapit is a new mobile advertising startup, founded in March 2011, that enables content sharing and offer delivery simply by tapping an NFC-enabled phone anywhere the Tapit logo can be found.

The company has now raised a seed funding round from Sydney Angels in record time – just 22 days from the pitch until the round was subscribed for. This is the fastest investment to date for Sydney Angels, the not-for-profit membership organization for angels which typically invests in Sydney-based startups.

NFC (near field communication), a short-range wireless technology, is often associated with mobile payments and mobile wallets these days, as a new way to enable purchases at point-of-sale. But that’s only one of the many possible use cases for the technology, which can also support things like sharing files and media between devices, advertising, ticketless transactions and more. It can even be used to perform actions like those found in NTT DOCOMO’s nifty “tap to follow” offering that lets two Twitter users follow each other simply by tapping phones.

Come November, the world's second largest mass transit company will let its riders pay for trips by waving their cell phones at the terminal. The Deutsche Bahn, Germany's main railway operator, began implementing its Touch&Travel mobile payments system in 2008 and expects it to be ready within two months.

The system will rely on near field communications (NFC) chips contained in customers' mobile phones to handle the payment transactions for each trip. Alternatively, riders can pay with their phones by scanning a QR code at the beginning and end point of their ride.

Touch&Travel mobile apps are available for iPhone and Android-based smart phones. "In addition to using NFC or barcodes to provide location information, smartphone apps can use GPS or the user can type in a location ID number," writes NFC World. Riders will be billed for their transit usage at the end of each month.

Twitter user B.J. Drums, who works with the Museum of Making Music in Carlsbad, California, sent us proof that Facebook is officially getting into the local business marketing fray.If Yelp, Google, Fousquare and Facebook all get their way, local business windows will be covered in window decals. Realistically, one decal will prevail and we tend to think Facebook’s more than 400 million userbase and the value of an instant Fan will make Facebook’s offering especially appealing to local business owners.

If you are already familiar with AR you’ll notice that String lives somewhere in middle of fiduciary markers and natural feature tracking. Tracking images combines the high contrast black border of a marker and a complex natural image in the centre. This mix actually works well. With a marker users can identify it as having special significance when presented to a camera (much the same way users identify QR Codes as having significance). With NTF images the challenge is telling the user that the image as has significance without providing a large amount of instructions. Combining the two therefore goes someway to solve the identification problem. The String SDK which is currently available for iOS with an Android version in the works is powerful enough to build some pretty amazing solutions. I normally say that any AR demo is only as good as its 3D objects, that’s still true as eye candy sells, but String does an amazing job of recognising the markers even in poor lighting.

What is Books2Barcodes? Books2Barcodes is an ongoing effort to convert all the world's great books to QR codes (2D barcodes). Each work featured here is the entire text of a piece of classic literature translated into several thousand barcodes. With a mobile device equipped with a camera and a barcode-scanning app, you can experience the joy of a great book as read through 800-character fragments on your cellphone.

People Don't Care about PCs...the Buzz is All About Mobile To paint an image of the very large scale of the mobile ecosystem, Jacobs talked numbers: There are 1.3 billion 3G connections worldwide, and there will be 2 billion more connections by 2015. Mobile data use will increase 10 to 12 times over the next four years. There are over 120 HSPA+ mobile networks and 180 commercial EVDO networks offering mobile broadband. There are 200 LTE networks planned, 20 of which have launched now.

Mobile Unleashing the "Greatest Wave of Creativity in History" And what is that? Only that mobile is going to unleash the "greatest wave of creativity in history." Dr. Jacobs said he knew that sounded like a "heady" proposition, especially because many mobile developers are just trying to build an app people like, he says. "But your app could reach hundreds of millions of users!" Now is the time to "think and act globally," Jacobs said. "Mobile is now the dominant computing platform, and it's never going back."

Augmented Reality Demoed as Marketing Tool AR, or augmented reality, was also at the forefront of today's keynote, with a sobering presentation from John Batter, Co-President of Production, Dreamworks Animation SKG. He produced data showing the decline of DVD sales over the years.

Since location-based check-in app Foursquare was launched at South by Southwest in 2009, the app has seen exponential growth, reaching over 7.5 million users this year.

Apart from gamification through leaderboards and badges (or stickers, or pins), the motivation for users to participate in location-based networks is severely lacking.

1)make it easy and 2) create value. Users want to put in less effort and receive more value.

Microsoft's Kinect has been the fastest-selling consumer electronic device in history, has over 10 million owners, and connects nearly 35 million users through Xbox Live--all of whom are capable of online sharing. "This type of experience is really an untapped market because these devices already live at home," says Dawson. KinectShop is primed to seamlessly integrate with real-life shopping experiences. "With an experience like KinectShop, a shopper can easily scan a QR code or swipe their NFC smartphone to take their experience with them and use wayfinding tools to locate the product in-store," Luke Hamilton, Dawson's Razorfish colleague, writes to Fast Company in an email.

Pitney Bowes also noted that 12 percent of respondents added mobile marketing in the past year, and another nine percent added QR codes. Thompson-Van said this wasn’t bad for marketing methods that weren’t even being discussed 12 months ago.

NFC tag scans for connection sharing, social networking and marketing are increasing at a rate of 22 per cent per month, according to new research carried out by Kimtag. Kimtag, a UK based connection hub, analysed the visits to 10,000 selected Kimtag connection pages over a six month period ending in August 2011. The company compared QR Code, NFC tag, direct and referral hits from visitors around the world. 

During the research, Kimtag regarded a successful visit as a user reaching and fully downloading a Kimtag connection page via an address assigned specifically for NFC tags and then subsequently visiting a connection such as a social network or website.  The research revealed that the number NFC tag scans grew by an average 22 per cent month on month. Over the whole six month period, NFC scans increased by over 170 per cent.

Phil Coote, Kimtag’s CEO, commented, "The research illustrates that while a lot of the current focus within the NFC industry has been on payment systems, the use of NFC to empower the new ‘internet of things’ is likely to play an equally important role in it’s growth." 

NFC still isn’t too common in the US, but it looks like it’s going to be a standard feature for all future mobile devices. Manufacturers have been slowly implementing NFC functionality into their phones and tablets recently, so it’s no surprise that Microsoft today announced that Windows 8 will ship with native support for NFC. For those not in the know, NFC (Near Field Communications) is a method of communication that two mobile devices can use to communicate with each other just by being in each other’s presence. It can be used for a whole range of functions such as making payments, to collecting information. Today at the BUILD conference, Microsoft also demonstrated the usage of NFC on its Windows 8 tablet. Using an NFC-enabled business card, the demonstrator could simply collect the website address from it by pointing the corner of the tablet towards the card and tapping the notification. It sure beats launching a QR code scanner or manually typing it in. Check out the video after the break: