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Obama Tries to Bypass Congress with Deadly Global Internet Treaty ACTA [28Jan12] - 0 views

  • Before the American people were protesting the Stop Online Piracy Act and the Protect Intellectual Property Act, the president managed to sign an international treaty which would permit foreign companies to demand that ISPs (Internet Service Providers) remove web content in the United States without any legal oversight. Entitled the Anti-Counterfeiting Trade Agreement (ACTA), the treaty was signed by Obama on October 1, 2011, but it is currently a subject of discussion because the White House is circulating a petition demanding that senators ratify the treaty.
  • the White House has done some maneuvering — characterizing the treaty as an "executive agreement" — thereby bypassing approval by members of Congress. Concerned by this action of the administration, Sen. Ron Wyden (D-Ore., above left) sent a letter to President Obama in which he declared: It may be possible for the U.S. to implement ACTA or any other trade agreement, once validly entered, without legislation if the agreement requires no change in U.S. law. But regardless of whether the agreement requires changes in U.S. law ... the executive branch lacks constitutional authority to enter a binding international agreement covering issues delegated by the Constitution to Congress' authority, absent congressional approval.
  • Similarly, TechDirt observes: ... [E]ven if Obama has declared ACTA an executive agreement (while those in Europe insist that it’s a binding treaty), there is a very real Constitutional question here: can it actually be an executive agreement? The law is clear that the only things that can be covered by executive agreements are things that involve items that are solely under the President’s mandate. That is, you can’t sign an executive agreement that impacts the things Congress has control over. But here’s the thing: intellectual property, in Article 1, Section 8 of the Constitution, is an issue given to Congress, not the President. Thus, there’s a pretty strong argument that the President legally cannot sign any intellectual property agreements as an executive agreement and, instead, must submit them to the Senate.
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  • Twenty-two EU member states signed the treaty at a ceremony in Tokyo on January 26. Other nations interested in signing the agreement have until May 2013 to do so. According to Wikipedia, the Anti-Counterfeiting Trade Agreement “creates a governing body outside national institutions such as the World Trade Organization (WTO), the World Intellectual Property Organization (WIPO) or the United Nations.” The scope of the agreement includes counterfeit goods, generic medicines, and pirated copyright-protected works.
  • The provisions of ACTA grant copyright holders direct powers to demand that ISPs remove material from the Internet, without the requirement of a court order, and permit foreign influence over ISPs in the United States. Advocates of the treaty seek to give copyright holders the ability to demand that users who do violate intellectual property rights have their Internet connections terminated as a punishment. To enforce such a system would require the creation of an individual Internet ID.
  • The Electronic Frontier Foundation (EFF) reports: The same industry rightsholder groups that support the creation of ACTA have also called for mandatory network-level filtering by Internet Service Providers and for Internet Service Providers to terminate citizens’ Internet connection on repeat allegation of copyright infringement (the “Three Strikes”/Graduated Response) so there is reason to believe that ACTA will seek to increase intermediary liability and require these things of Internet Service Providers.
  • The EFF has been vehement in its opposition to ACTA, particularly regarding the secrecy surrounding the treaty negotiations. Likewise, Michael Geist, in writing for Copyright News, asserted that ACTA was “shrouded in secrecy.” He pointed out that ACTA negotiations did not include civil society groups or developing countries, noting also that “reports suggest that trade negotiators have been required to sign non-disclosure agreements for fear of word of the treaty’s provisions leaking to the public.” The European Commission denied this allegations in 2008, arguing, “It is only natural that intergovernmental negotiations dealing with issues that have an economic impact, do not take place in public and that negotiators are bound by a certain level of discretion.”
  • As noted on Wikipedia, opponents of ACTA also assert that it will impinge upon freedom of expression and communication privacy. A large number of the World Trade Organization’s 157 members have voiced concerns that the treaty would have a negative impact on trade. Others have pointed out that ACTA does not include provisions for legal safeguards protecting ISPs from liability for the actions of their subscribers. Without such provisions, ISPs will be forced to invade the privacy of their subscribers in order to protect themselves. Aaron Shaw, research fellow at the Berkman Center for Internet & Society at Harvard University, stressed that “ACTA would create unduly harsh legal standards that do not reflect contemporary principles of democratic government, free market exchange, or civil liberties.”
  • The technology news and information website ArsTechnica.com argues that ACTA encourages ISPs to collect and provide information about suspects by providing for those ISPs “safe harbor from certain legal threats.” In protest against the treaty, the hacktivist group Anonymous hacked into the Federal Trade Commission’s cybersecurity advice website on January 24, replacing the homepage with the Anonymous logo, a rap song, and a message threatening more attacks if anti-piracy legislation in Congress were to pass. According to The Next Web: The message left temporarily on OnGuardOnline referred to the Stop Online Piracy Act, The Protect Intellectual Property Act and the Anti-Counterfeiting Trade Agreement. If they pass, the message said, "we will wage a relentless war against the corporate Internet, destroying dozens upon dozens of government and company websites."
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Google Offers is now live in Brooklyn! - The Next Web [09Nov11] - 0 views

  • Google Offers went live in Brooklyn, New York today, much to the happiness of everyone from Kings County to Gowanus. Google Offers, a direct competitor to companies like Groupon and Living Social, first landed in Manhattan this past July with Belgian fries and mango chutney at Pommes Frites. Today, Google’s daily deal service is offering $4 general admission tickets to the New York Aquarium, which is 73% off the normal $14.95 price tag. The Aquarium, which is located just off the Coney Island boardwalk is open year round and features animals such as California sea lions, stingrays, tropical fish, moray eels, penguins, seals, otters, walruses, starfish, sea turtles and sharks!
  • Location Media Microsoft Mobile Sessions Shareables Social Media Twitter Video Editions Africa Asia Australia Canada Europe India Latin America Middle East UK United States Languages France Nederland Polska Portugal Romania Russia Google Offers is now live in Brooklyn: Starting with $4 for SHARKS! 9th November 2011 by Courtney Boyd Myers Google Offers went live in Brooklyn, New York today, much to the happiness of everyone from Kings County to Gowanus. Google Offers, a direct competitor to companies like Groupon and Living Social, first landed in Manhattan this past July with Belgian fries and mango chutney at Pommes Frites. Today, Google’s daily deal service is offering $4 general admission tickets to the New York Aquarium, which is 73% off the normal $14.95 price tag. The Aquarium, which is located just off the Coney Island boardwalk is open year round and features animals such as California sea lions, stingrays, tropical fish, moray eels, penguins, seals, otters, walruses, starfish, sea turtles and sharks!
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Japan's NEC Unveils Hi-Tech Spectacles - NTDTV.com [13Nov09] - 0 views

  • Computer-maker NEC calls them the latest in eyewear for the linguistically challenged. The TeleScouter integrates spectacle frames with a personal mini-computer and a head-mounted display unit. The result is a portable language translator. TeleScouter allows two or more people with no language in common, to hold a conversation. One user will begin the conversation in their native language and, with the press of a button send the recorded words to a remote server where they are analyzed and translated. The server then sends the translation to the receiving user who can read the words in their own language on the head-mounted display unit. While the technology is still in its developmental stages, NEC says a faster unit is on the horizon and that the hope is to break down language barriers. [Kotaro Nagahama, NEC Manager]: "With this you don't have to think about having to translate yourself your own words. All you have to do is speak in your own words and that gets communicated to the other person and you don't have to do any thinking. You just have you use your own language. " But TeleScouter will not be cheap. When it reaches the market it'll sell for around $83,000 although the price will come down over time. If all goes according to plan, NEC says foreign tourists will one day, with great confidence be able to tell their hosts "I see what you're saying."
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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.
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Wireless bandwidth: Are we running out of room? [29Jan12] - 0 views

  • Wireless bandwidth is like land in Manhattan -- it's extremely valuable because they're not making more of it.
  • But we sure are using more of it. The wireless-industry association CTIA reported in October 2011 that the number of wireless devices in the U.S. had, for the first time, exceeded the number of people. And Mobile Future, a coalition of vendors and consumers, estimated in a March 2011 report that by 2014, voice traffic will comprise only 2% of the total wireless traffic in the United States -- a worrisome statistic because, as the report noted, smartphones consume 24 times more data than old-school cell phones, and tablets consume 120 times more data than smartphones. (See Data needs bandwidth, but how much? for details.)
  • The result: Wireless networks are edging near capacity, not just in the United States, but all over the world. Credit Suisse conducted a survey last year that revealed mobile networks in North America were running at 80% of capacity, with 36% of base stations facing capacity constraints. The average globally for base station capacity utilization, the report said, was 65%.
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  • The problem is going to get worse before it gets better. With advancements in connected cars, smart grids, machine-to-machine (M2M) communication, and domestic installations such as at-home health monitoring systems, wireless demands will only increase. As with all things mobile, there are no simple answers, if only because potential solutions rely on agreement among a sizable and incompatible array of players -- from spectrum owners (both telcos and broadcasters) and regulators to government agencies and, of course, consumers demanding the latest in cool devices and applications.
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Transaction Systems Architects reports third quarter results - 0 views

  • Transaction Systems Architects, Inc. (Nasdaq: TSAI), a leading global provider of enterprise e-payments and e-commerce software, announced today that revenue for the third quarter ended June 30, 2004 was $72.5 million, a decrease of two percent over the same quarter last year.
  • Net income was $18.7 million, or $.49 per diluted share, which includes a net one-time tax benefit of $10.6 million, or $.28 per diluted share. This net one-time tax benefit is attributed primarily to certain tax restructurings and associated tax elections related to the Company's MessagingDirect Ltd. subsidiaries. Net income of $18.7 million, or $.49 per diluted share, compares to a net loss of $1.9 million, or a net loss of $.05 per diluted share, which included a goodwill impairment charge of $9.3 million, for the third quarter of fiscal 2003.
  • For the third quarter of fiscal 2004, revenues were comprised of software license fees of $37.5 million, maintenance fees of $23.1 million and services fees of $11.9 million. The Company's recurring revenue was $45.5 million, or 63 percent of revenue, and non-recurring revenue was $27.0 million, or 37 percent of revenue. Recurring revenue consisted of monthly license fees of $20.2 million, maintenance fees of $23.1 million and facilities management fees of $2.2 million.
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  • Operating income was $13.0 million, with an operating margin of 17.9 percent, compared to operating income of $4.7 million, with an operating margin of 6.3 percent, in the third quarter of fiscal 2003. Operating cash flow was $23.1 million with a cash balance of $158.9 million, compared to operating cash flow of $12.1 million in the third quarter of fiscal 2003, an increase of 91 percent.
  • For the nine months ended June 30, 2004, revenue totaled $223.1 million, compared to $205.5 million for the same nine-month period in fiscal 2003, an increase of 9 percent. Operating income for the nine months ended June 30, 2004 was $42.5 million compared to $23.4 million, which included a goodwill impairment charge of $9.3 million, for the same period last year, an increase of 82 percent. Operating margin was 19.1 percent for the first nine months of fiscal 2004, compared to an operating margin of 11.4 percent for the same period last year. Operating cash flow was $44.7 million for the first nine months of fiscal 2004, compared to $26.1 million for the same period last year, an increase of 71 percent. Net income was $36.7 million, or $.97 per diluted share, compared to $5.2 million, or $.15 per diluted share, an increase of 604 percent for the same nine-month period in fiscal 2003.
  • During the quarter, the Company added 13 new customers while maintaining a worldwide presence of 76 countries. ACI Worldwide, the Company's largest business unit, added seven new customers during the quarter. Solutions licensed to these customers included BASE24®, BASE24-es™, WINPAY24™, and ACI Proactive Risk Manager™. ACI Worldwide also licensed capacity upgrades to 13 customers and licensed seven new applications to existing customers during the quarter.
  • Insession Technologies, the Company's e-infrastructure business unit, added six new customers and licensed 12 new applications to existing customers during the quarter. Solutions licensed to new and existing customers include GoldenGate™, WorkPoint®, VersaTEST™, WebGate, SafeTGate, ICE™, Automated Operator™ and AutoDBA™.
  • IntraNet, the Company's international payments and message processing solutions provider, added one new Money Transfer System™ customer. IntraNet also licensed one capacity upgrade and entered into 17 services contracts with existing customers during the quarter.
  • The Company completed the third quarter of fiscal 2004 with $232.8 million in backlog. Included in backlog are all software license fees, maintenance fees and services specified in executed contracts to the extent that the Company believes that recognition of the related revenue will occur within the next twelve months. Recurring backlog includes all monthly license fees, maintenance fees and facilities management fees and amounted to $173.6 million. Non-recurring backlog includes other software license fees and services and amounted to $59.2 million.
  • "We are pleased with the quarter's and year-to-date financial results," said Gregory D. Derkacht, President and CEO. "We continue to make progress on our tax-planning initiatives and other projects, and we look forward to building on our worldwide leadership position in the financial services sector with our proven software solutions."
  • The Company has revised its revenue estimate for fiscal 2004 from a range of $282 to $292 million to a range of $291 to $296 million. The Company has also revised its EPS estimate from $.74 to $.83 to $1.10 to $1.17, which includes the $.28 net one-time tax benefit.
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Amazon takes small loss on Kindle Fire - study - MarketWatch - 0 views

  • Shares of Amazon were down about 1% $202.52 by mid-morning Friday. The stock is up about 13% for the year to date. The Kindle Fire is estimated to cost a total of $201.70 to build each unit, a number that includes a bill of materials — or BOM — of $185.60, with another $16.10 in manufacturing costs for each unit, iSuppli estimates. The tear-down estimate does not include cost figures for software, licensing or royalties that Amazon may pay on the device.
  • Amazon began shipping the Kindle Fire on Monday, after first unveiling the device in late September. The tablet costs $199 — about 60% less than the cheapest iPad from Apple Inc. /quotes/zigman/68270/quotes/nls/aapl AAPL -0.16% , which currently dominates the tablet market. Analysts expect the Kindle Fire to make the largest dent in the tablet market next to the iPad, after other devices using Google’s /quotes/zigman/93888/quotes/nls/goog GOOG -0.89%  Android operating system have largely failed to generate strong sales. The low price of the device, along with Amazon’s large library of books and other digital content, are expected to contribute to the appeal of the Kindle Fire. But Amazon does not break out data on its device sales.
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10/04/23 Back to the "SMS" Future - Twitter Buys A Text Messaging Company - 0 views

  • Twitter was born as a text messaging service; tweets are 140 characters because that is the length of a text message, minus a few characters for the author’s name.Today, though, most people in the United States think about Twitter as a Web tool, and they use it either online or via smartphone apps.But Twitter has not forgotten about all the people in the world who do not have fancy phones. On Friday, the company announced that it had acquired Cloudhopper, a Seattle text-messaging start-up.There is “untapped potential” with Twitter text-message use “Mobile is clearly where the majority of usage will happen,” Evan Williams, Cloudhopper has already been working with Twitter to connect its service directly with mobile carriers around the world, in part so that users do not have to pay extra to send or receive text message tweets. Twitter has long had problems with this, and in the past has had to disable text messaging in certain countries because of high fees.Read more at bits.blogs.nytimes.com
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    Twitter seeks to rebuild it's original text messaging wing with the help of "Cloudhopper" - read on. . .
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Move over outsourcing! Indians are creating jobs for Americans!! [04Jan11] - 0 views

  • According to some interesting statistics, India has created more than 60,000 jobs with an investment of US $26.5 billion in the US over the past 5 years. This involves investments of US $21 billion by 239 Indian companies and 127 greenfield investments worth US $5.5 billion. The top three states for investments include Ohio, California and Texas. Investments have taken place in sectors like IT / ITes, biotech, chemicals, automotive, telecom etc. Indian organizations are increasingly opening up units in the US and also providing large scale employment opportunities in USA giving rise to a strong reverse outsourcing trend.
  • India has emerged as one of the largest FDI players in the US after the United Arab Emirates
  • The recent US $10 billion export deals worth for the US employers like Boeing signed by Obama with many Indian leaders is expected to create more than 50,000 jobs in Seattle.
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Measuring the Net's growth dividend [27May11 - 0 views

  • The Internet is a vast mosaic of economic activity, ranging from millions of daily online transactions and communications to smartphone downloads of TV shows. Little is known, however, about how the Net in its entirety contributes to global growth, productivity, and employment. New McKinsey research examined the Internet economies of the G8 nations (Canada, France, Germany, Italy, Japan, Russia, the United Kingdom, and the United States), as well as Brazil, China, India, South Korea, and Sweden. It found that the Internet accounts for a significant and growing portion of global GDP. Register to continue.
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    McKinsey Quarterly - Economic Studies - Productivity & Performance
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The rise and fall of mobile apps: a Roman Android empire? (Appolicious) [21May11]| Wor... - 0 views

  • re creating smartphone loyalty, determining which OS and device a consumer may buy. At least that’s what a recent Gartner report will have you believe. The sales report ranks Android, Symbian, iPhone, BlackBerry and Windows Phone sales in the first quarter of 2011, noting the impact of mobile apps on the market share of new sales. It seems the mobile device market is only gaining in strength, Google (GOOG) taking 36 percent market share, leading with 36.3 million unites sold. Symbian comes in second, with 27.4 percent market share at 27.6 million units, leaving Apple (AAPL) at 16.8 percent market share with 16.9 in sales. RIM’s (RIMM) BlackBerry comes in fourth, with 13 million and a 12.9 percent take of the market.
  • “Every time a user downloads a native app to their smartphone or puts their data into a platform’s cloud service, they are committing to a particular ecosystem and reducing the chances of switching to a new platform,” notes principle research analyst Roberta Cozza. “This is a clear advantage for the current stronger ecosystem owners Apple and Google. As well as putting their devices in the context of a broader ecosystem, manufacturers must start to see their smartphones as part of a computing continuum.”
  • Apps have certainly created an expansive ecosystem for mobile industry, but just like the mighty dinosaur, this era may one day become extinct. The death of mobile apps has been predicted by MIT writer Christopher Mims, pegging web apps as the future. It’s their potential ubiquity across platforms that extends access to web users, instead of drawing lines in the sand around mobile browsing versus the web you access on a PC laptop. Mims calls for a browser-based utopia where offline access and standards like HTML5 harmonize our desperate web experiences, but notes that offline access is far from perfect. Things still boil down to business, where Google’s marketplace has lower operating costs than Apple’s, with a broadening reach.
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Worldwide Mobile Phone Growth Slows as Smartphone Purchases Soften in the Q3 - Cell Pho... - 0 views

  • The worldwide mobile phone market grew 12.8% year over year in the third quarter of 2011 (3Q11), as smartphone growth declined in key mature markets. According to the International Data Corporation (IDC) Worldwide Mobile Phone Tracker, vendors shipped 393.7 million units in 3Q11 compared to 348.9 million units in the third quarter of 2010. However, the 12.8% growth was higher than IDC's forecast of 9.3% for the quarter and stronger than the 9.8% growth in 2Q11.
  • It was also the second-lowest growth rate for the overall mobile phone market over the past two years; a reflection of delayed smartphone purchases and conservative consumer spending last quarter.
  • "The combination of economic uncertainty and anticipation over fourth quarter or late third quarter product releases caused some consumers to delay their smartphone purchases," said Kevin Restivo, senior research analyst with IDC's Worldwide Mobile Phone Tracker. "Many waited for products such as the iPhone 4S, which was announced after the quarter closed, or Research In Motion's BlackBerry 7 phone series, which were released in the final weeks of the quarter."
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  • "Smartphone centricity continues to be the hallmark of the mobile phone market," says Ramon Llamas, senior research analyst with IDC's Mobile Phone Technology and Trends team. "Two years ago, smartphones comprised just a small portion of overall shipments among the leading vendors. Today, that proportion has grown considerably, thanks in large part to LG, Motorola, Samsung, and Sony Ericsson making Android smartphones a priority. At the same time, the growing presence of companies focused exclusively on the smartphone market - Apple, HTC, and RIM - also demonstrate the impact that smartphones have had on the mobile phone market as a whole."
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Selected Interactive Graphics - The New York Times - 0 views

  • 2008 Elections From the Jan. 3 Iowa caucuses to the Nov. 4 general election, information graphics were a major component of the New York Times election coverage. Interactive maps on the nytimes.com home page and inside the web site were rich with information, but easy to navigate.
  • 2008 Olympics Coverage In August 2008, The New York Times graphics department published more than 30 interactive graphics covering subjects ranging from the Olympic torch to the medal count. The package included graphics produced in advance of the games, plus more than a dozen produced on deadline analyzing results from a vareity of events. Because NBC tape-delayed the showing of many events, these graphics frequently were readers' first visual picture of how a race was won.
  • Flight 1549 Lands in the Hudson River When U.S. Airways Flight 1549 made an emergency landing in the Hudson River, graphics editors immediately began reporting what happened in the air, building 3-D models of the plane and developing an interactive graphic. The graphic was initially published the same day as the emergency landing, and updated over the next several days as more information was released. Published Jan. 15, 2009
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  • Inaugural Words An interactive graphic published this January shows the number of times words were used in inaugural speeches. Readers could view the use of the word in context, and then read the entire speech, or compare the words used by every president to date. Published Jan. 17, 2009
  • Twitter Chatter During the Super Bowl Using data gathered from Twitter's API, this mash-up shows what words people around the country were tweeting minute-by-minute as the Cardinals and Steelers battled it out on the field. Published Feb. 2, 2009
  • Where Immigrants Settled An interactive map shows where immigrant groups settled across United States over the last century. Readers can drill into more than 20 different immigrant groups and see the number who lived in each county in the U.S. at the time of every census since 1880. Published March 10, 2009
  • The Year in Markets An interactive graphic produced for the nytimes.com home page explains how 2008 became a dismal year for the financial markets. Published Dec. 31, 2009
  • Mapping Parking Tickets A interactive graphic mashes up data on the number of parking tickets given on each of 80,000 blocks in New York City with a Google street map. Published Nov. 28, 2008
  • The Danger of Digging Deeper An information graphic explains the risks involved in a new project that attempts to harvest geothermal energy from hot bedrock in an area prone to earthquakes. Published June 23, 2009
  • Failed Prostate Procedures An interactive graphic explains how brachytherapy — a procedure to treat prostate cancer — is commonly performed, and how a cancer unit at the Philadelphia V.A. botched 92 of 116 procedures. Published June 20, 2009
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8 Mobile Marketing Trends You Should Track In 2012 | Business 2 Community - 0 views

  • With 2012 fast approaching along with it comes new mobile marketing opportunities that your business should follow as you consider efforts to spread the word about your brand and products and services through mobile. 
  • Mobile Visitation Grew 200% 
  • 2011 has been a breakout year for growth in mobile visitation.  It featured a steep rise in text messaging, smartphone purchases and mobile advertising. Corporate use of mobile websites grew 210 percent in the last 12 months!
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  • Retailers have been particularly aggressive in pursuing mobile strategies this year, with 37 percent operating specially-tailored mobile websites (compared to 12 percent in 2010) according to Acquity Group.
  • So what’s in store for mobile marketing in 2012? Here are our top trends to watch:
  • Mobile Trend # 1 – Smartphones to Overtake Other Mobile by 2012 
  • Smartphone units sold worldwide in 2009 will grow 14.5% from 2008 levels, according to a forecast by Infonetics.  READ MORE
  • Mobile Trend # 2 - Text Messaging Will Rise
  • Mobile Trend # 6 – Increased Mobile Spending 
  • Mobile Trend # 3 – Social Networking Site Access
  • Social networking sites will get more exposure on mobile phones.
  • Text messaging will rise to a projected 8 trillion SMS in 2012. This is a rise of about a billion from the 6.9 billion SMS sent in 2011.
  • Mobile Trend # 4 – Rise in Social Games
  • Mobile Trend # 5 – Location-Based Marketing
  • Sounds surprising, right? That novel technology can be achieved by Wi-Fi, RFID, and mobile phone tracking.
  • Facebook’s official page sites, there are currently 350 million active users that access Facebook on their mobile phones.
  • There will be a large increase in spending by SMBs on mobile advertising.  The $1.6 billion figure garnered last 2010 more than doubled to $3.3 billion in 2011, and 2012 is predicted to double that enormous figure again.
  • Mobile Trend # 7 – More Video on Smartphones
  • Videos will become a greater trend in mobile marketing. 
  • Mobile Trend # 8 - Mobile Money Transfers
  • More currency will exchange through mobile phones. 2011 saw $86.1 billion move around the world in about 141 million exchanges.
  • To sum up, the prosperity of 2011 for mobile marketing will carry over to 2012, with possibly more frontiers to open up.
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Why Google TV will win [15Dec11] - 0 views

  • Google Chairman Eric Schmidt caused some raised eyebrows last week when he claimed that by next summer “the majority of the televisions you see in stores” will come with Google TV.
  • Okay, he may have the timing wrong, but I think that Google will absolutely come out on top of this. It will dominate the smart TV world much in the same way it now dominates the smartphone world.
  • I liked some of the ideas behind the first iteration of Google TV, but like everyone else, was disappointed by the execution
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  • 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.
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Home Depot launches mobile payments to streamline checkout - Payments - Mobile Commerce... - 0 views

  • Big box retailer Home Depot is ramping up its mobile strategy by testing a PayPal-enabled mobile payment solution at select stores
  • The news marks Home Depot as the first retailer to sign on with PayPal as part of a bigger initiative from Paypal to bridge online and in-store traffic for retailers. The program has been in use since early December in five Home Depot locations in the United States and utilizes PayPal’s point-of-sale mobile payment service.
  • “Retail is changing with the emergence of these technologies that blur the lines between online and offline,” said Anuj Nayar, director of communications for PayPal, San Jose, CA
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  • “Mobile payments is only one small change that retailers need to compete in with in order to match what consumers are doing in stores, including bar code scanning and price comparing,” he said.
  • Users can either enter their phone number at check-out on a kiosk to have the bill sent to their carrier’s account bill. Consumers can also pay via a PayPal-issued credit card that connects with their phone account number.
  • PayPal is reportedly working with 20 retailers on the initiative and has plans to release the names of other retailers in the following months.
  • The PayPal-enabled program lets consumers pay for items by using the PayPal mobile wallet.
  • Mobile home Home Depot is the first retailer to be announced from PayPal’s new mobile payment solution to help retailers integrate mobile payments at point-of-sale stations.
  • The program also has tentative plans to extend to other Home Depot locations if the test trial is successful.
  • Payment war PayPal has been aggressively pursuing mobile payments recently to claim its piece of the mobile pie.
  • For example, in December PayPal tested a NFC-enabled mobile app in two retail locations in Sweden (see story).
  • Mobile payments are a hot item, but until recently it has been difficult for retailers to get behind the technology.
  • PayPal’s push for mobile payments in 2012 might be a response to Google Wallet, which let numerous retailers and brands in 2011 with mobile payments.
  • However, some experts believe that mobile payments still have a way to go to get consumers on board and will be more driven by NFC-enabled mobile devices.
  • “In the long-term, NFC phones will become more pervasive and normal credit cards will be mobilized,” said Drew Sievers, CEO of mFoundry, Larkspur, CA.
  • Mr. Sievers is not affiliated with PayPal or Home Depot. He commented based on his expertise on the subject.
  • “A mobile payment has to have a very rich incentive for a consumer to latch on to, and merchants need to layer on relevant offers and deals in order for them to stick around,” Mr. Sievers said.
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Trade Your Wallet for Wireless - 0 views

  • People fed up with the proliferation of credit cards, IDs and key cards that fill their wallets to bulging may soon have an alternative. New technology could bundle such functions into just one item: your cell phone.
  • Near Field Communication technology, jointly developed by Sony and Royal Philips Electronics, lets wireless devices connect to other devices nearby and transfer data, from payment information to digital pictures. Samsung Electronics and Philips say they are developing cell phones with embedded NFC chips that could double as debit cards or electronic IDs. The companies plan to begin field trials toward the end of the year.
  • Such phones are already available in Japan and Korea, where users can charge their phones with virtual cash, then wave them near NFC-enabled machines to buy anything from a soda to lunch. But it remains to be seen how Americans will react to the devices, which are not yet available outside Asia, said wireless technology analyst Allen Nogee of In-Stat/MDR.
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  • "Americans seem to be more skeptical of new technology like this," Nogee said, largely because of security and privacy concerns.
  • However, Nogee said the systems seem to have adequate security measures -- like requiring personal identification numbers, so thieves could not make purchases -- and could provide consumers with added protections in some cases.
  • "In theory, merchants will have wireless devices they can bring to you," he said. "When you buy something in a restaurant, you have to give them your card. They go off with your card and could be writing down your number. With this, they'd bring a portable device to your table and (the transaction) would be encrypted."
  • But Nogee said some apprehension about privacy might be well-founded.
  • "A carrier, if they wanted to, could know exactly where you are any time of day, who you're calling, and now they can know what you're purchasing and where," Nogee said. "So if you tie all these things together, that's quite a lot of information available on you."
  • Payments are not the only potential use for the technology. Philips and Samsung have suggested NFC devices could also work as mobile transit passes for users who would swipe their phones to get access to public transportation, and as secure building-access keys and electronic business cards. The technology could also let users swap digital music, photos or other files between devices.
  • Don't go throwing away your wallet just yet, though. The companies have not set a date for when the phones will be for sale in the United States. And even if security and privacy worries are allayed, the technology will need to be widely usable for consumers to adopt it. That means NFC devices from different manufacturers must be interoperable and integrated to work with the credit card infrastructure.
  • To that end, Nokia, Philips and Sony formed the Near Field Communication Forum in March to promote implementation and standardization of NFC technology. Philips is also working with Visa to encourage support of the technology.
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American Express Buys Virtual Currency Monetization Platform Sometrics For $30M | TechC... - 0 views

  • Exclusive: In a push to boost its payments platform for the gaming industry, American Express, has acquired virtual currency platform and in-game payments provider Sometrics. The total deal value is $30 million, but both parties declined to reveal further details about the split between cash and stock. Sometrics will become part of the Enterprise Growth Group, and will be used within American Express’ Serve digital payments platform to incorporate virtual currencies and loyalty programs.
  • Sometrics helps gaming publishers market free-to-play online games and monetize virtual currency with a consumer destination site and in-game payment solutions. Sometrics’ in-game payments platform basically powers virtual currency transactions and payments for game publishers. Sometrics also serves users with targeted offers based on their location, demographic, conversion history and social affiliation.
  • The company currently supports dozens of payment options (including mobile carrier infrastructure and credit card support) and hundreds of brand engagement ads, reaching a total global audience of more than 225 million consumers in more than 200 countries. And through Sometrics’ analytics capabilities, developers are able to view and analyze which audience demographics are responding to which payment options, respond by pushing traffic to the options that convert best, and optimize those conversions to help maximize revenue. Current gaming partners that use Sometrics include Nexon, NHN USA, IMVU, PopCap, BigPoint, Habbo, and many others.
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  • The company also operates GameCoins.com, a centralized place to discover new gaming titles and earn virtual currency to be spent on games. Game Coins can be converted into a publisher’s virtual currency, as well as into Facebook Credits.
  • To date, Sometrics has helped process 3.3 trillion units virtual currency since the company’s launch in 2007. Sometrics also says that gaming partners see an average 15 percent revenue lift through the use of its virtual currency payment solutions.
  • To date, Sometrics has raised $6 million in funding from the Mail Room Fund, an investment consortium that includes the William Morris Talent Agency, Accel and Venrock, as well as AT&T, Greycroft Partners, and Steamboat Ventures.
  • Sometrics will be added to American Express’ Serve digital payment and commerce platform. The credit card giant debuted Serve in March as a way to integrate a variety of payment options into a single account that can be funded from a bank account, debit, credit or charge card. American Express will continue the operation of Sometrics’ current business and will work with Sometrics will allow Serve customers to purchase virtual currencies via the platform. Over time, AmEx plans to integrate Serve into the payment path of the games that Sometrics supports.
  • Of course, American Express isn’t the only credit card company looking to capitalize on the changes taking place in the payments industry. Visa has big plans to dominate mobile payments and the digital wallet, buying virtual goods payments platform PlaySpan for $190 million, as well as acquiring mobile payments company Fundamo for $110 million.
  • But in the past year, American Express has actually been making some interesting partnerships in the payments space, recently teaming up with Foursquare, Facebook and even Zynga for deals. This could help the company dominate social payments and close the redemption loop.
  • And AmEx has been boosting its Serve platform with carrier partnerships, including Sprint and Verizon. Serve has also formed relationships with other partners including TicketMaster, AOL, and a number of gaming companies (however, those names have not been disclosed yet).
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How Visa Plans To Dominate Mobile Payments, Create The Digital Wallet And More | TechCr... - 0 views

  • It’s no secret that credit card companies are shelling out big bucks and aggressively forming partnerships and deals to start cashing in on the mobile and digital payments innovations currently taking place. American Express, which recently debuted its own digital payments product Serve, has been particularly aggressive on the partnerships front, striking recent deals with both Foursquare and Facebook. Mastercard has bet on NFC with a partnership with Google for Google Wallet and bought online payments gateway DataCash for $520 million last fall. And Visa has made a number of major moves in the mobile and digital payments space of late; including making an investment (and taking on an advisory role) in disruptive startup Square, buying virtual goods payments platform PlaySpan for $190 million, and acquiring mobile payments company Fundamo for $110 million. We sat down with Visa’s Global Head of Mobile Product Bill Gajda and the company’s Head of Global Product Strategy, Innovation and eCommerce Jennifer Schulz to discuss how the financial company is planning to compete in both mobile and digital payments.
  • In May, Visa announced its plans for the digital wallet. We’ll explain this initiative later in the post, but part of this platform would allow you to access your loyalty points, credit cards and more from your mobile phone at the point of sale. And the third pillar of Visa’s mobile strategy is incorporating value-added services like real-time alerts, contextual services, and offers at point of shopping based on where you are.
  • Gajda explains that Visa is licensing mobile payments applications PayWave for integration with the ISIS wallet and the company is actively looking for other ways to integrate with NFC into the company’s mobile payments structure.
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  • Of course, some aren’t so bullish on NFC, notably eBay (who owns PayPal) CEO John Donohoe, who in a recent earnings call said merchants refer NFC “not for commerce.” And odd statement considering PayPal just dipped its toes in the NFC pool with support for Android.
  • Gajda tells is, “I think for some people NFC will replace the actual physical credit card but it will be a long time before NFC replaces all payments.” He believes that we are going to start seeing more traction by end of this year but says the capability of “taking credit cards and putting them on mobile phones will represent the long tail” in payments. But he adds, “the pieces are in place for NFC to take off.”
  • The second part of the Visa’s mobile strategy involves the digital wallet and the mobile web. Gajda says that as e-commerce ramps up on mobile phones, there is a need for one-click, simple username and password checkout experience in a transaction being made on a mobile device. That’s an area where PayPal has been working hard to dominate in but Visa sees room for other players. Should we expect a PayPal-like, one-click mobile payments technology coming from Visa soon? Perhaps, the company hasn’t been afraid to enter PayPal’s territory in the past, launching a peer to peer payments service earlier this year.
  • Gajda tells us that the biggest challenge of mobile payments in the current market the massive amount of fragmentation in the mobile industry. He explains that with all of the various mobile operating systems, specific manufactured phones, applications and more, keeping up with pace of innovation on the development side is a major challenge for Visa.
  • Visa actually tested a partnership with retailer The Gap earlier this year which alerted customers via SMS of discounts in stores near them. Gajda tells us Visa is working with a number of other retailers and banks on similar deals which will be announced soon.
  • Gajda says there are a number of other factors at play in the mobile payments place that need to be highlighted when talking about mobile payments. International is a huge growth area in mobile payments. He tells is that outside the U.S., there are a large number of people who have mobile phones but don’t have banking relationship or credit card. In fact, he says there are 2 billion people in world that have phone, but don’t have a bank account or credit card.
  • In these markets, Visa’s goal is to bring prepaid accounts, purchasing power and other financial services to basic phones. These could include topping up a mobile phone with airtime, buying transit tickets, peer to peer payments. And this goal was the mean reason behind the purchase of behind the $110 million purchase of Fundamo. The company’s platform delivers mobile financial services to unbanked and under-banked consumers around the world, including person-to-person payments, airtime top-up, bill payment and branchless banking services.
  • Connecting with the small business world that don’t yet use credit cards or are new to the system is another area where Visa feels there is strong potential, especially with mobile payments. That’s why the company invested in disruptive mobile payments company Square and took an advisory role in the company. Gajda says that the power of Square is that it is enabling small businesses and independent workers such as doctors, designer and other merchants to start using credit cards and grow their businesses. It would make sense for Square and Visa would somehow work to harness the power of their partnership (As of April roughly two-thirds of transactions using Square’s payments service were through Visa credit cards.), but it’s unclear what the two companies will reveal any new co-produced products soon.
  • MOBILE Gajda explains that there are three prongs to Visa’s mobile payments strategy. One of these is NFC, and focuses on payments using a mobile phone at a physical store. For background, NFC (near field communications) enables people to make transactions, exchange digital content and connect electronic devices with a simple touch. As we’ve seen with Google Wallet, Android phones such as the Nexus S are being built with NFC chips, making your cell phone a mobile wallet. Visa recently joined the ISIS network, a NFC mobile payment network that is a joint venture formed by AT&T, T-Mobile and Verizon. ISIS will soon launch in a number of markets, including Utah and Texas.
  • But he says that there is still so much room for innovation around how we pay with mobile phones. “With the rise of smartphone usage, we are already seeing a lot of innovation around commerce,” he explains. “It’s inevitable that this will extend to the payments around the sales in mobile commerce.”
  • DIGITAL Visa’s digital payments guru Schulz outlined her strategy for digital payments at the company, which centralizes around the creation of the digital wallet. Schulz says that because of the fact that e-commerce is being more easy and convenient with customers, especially with m-commerce, the underlying payments infrastructure has to evolve.
  • And Visa’s answer to this is a new digital wallet initiative. Here’s how it works. Users will have an account, and they can add their credit card numbers (and cards from other credit card companies such as American Express and Mastercard). Visa is partnering with a number of financial institutions to offer this product to their customers.
  • Users can also load their loyalty points and rewards cards, as well as organize their shopping lists. Schulz describes it as a “wallet in the cloud.” But she says the key to the success of the wallet is a seamless, one-click payments experience for the consumers. So Visa has partnered with a number of large-scale retailers (which will be announced soon) to integrate what Schulz refers to as a ‘new acceptance mark’ on a merchant payments page.
  • So there will be a button you can click on, which will prompt you to sign-on and then will sync your digital wallet with the purchase in your shopping cart. So for example, imagine you had a camera in your cart, and Visa offered a 20 percent off at camera’s purchased at BestBuy, the wallet would sync and show the discount in your cart. The same works for loyalty points and more.
  • Visa competitor American Express is also working hard to innovate both at the large retailer level, as well as among smaller retailers, with GoSocial.
  • She compares the digital wallet offering to “two-hand clapping.” ” You can have a digital wallet,” Schulz explains, “but you need a merchant solution of click to buy, and Visa’s going to transform that experience.” And Schulz highlights another recent acquisition, Playspan, has helping drive a simplified commerce experience, a.k.a. click to buy, within game or within app.
  • Of course adding another checkout experience to online retailers’ sites can be a complicated and time-consuming process. But that’s where Visa’s $2 billion acquisition of CyberSource comes in. CyberSource is said to process about 25 percent of all e-commerce dollars transacted in the United States, and operates e-commerce for hundreds of thousands of retailers. Schulz says this relationship has helped speed up the pace of implementation.
  • Creating the digital wallet, both on the mobile and web platforms, is no easy task. Visa has a name for itself in the credit card industry but the fact is that the brand still has to attach innovation to itself in order for people to take these products seriously. Perhaps that’s one of the reasons why Google’s Mobile Wallet news created waves, even though NFC technology is in its early stages.
  • Schulz explains that the idea behind the wallet is that consumers want control over their wallet and want to have payment information and access available to them at all times. She believes that the digital wallet will click to buy incorporated on retailers’ sites is essential to the future of e-commerce in both the U.S. and emerging markets.
  • While Visa, American Express and others are looking to capitalize on the changes taking place in the payments industry, it is a challenging effort. Local commerce is a big part of this, and everyone is trying to find a way to close the redemption loop. But e-commerce, amongst larger retailers, is also a multi-billion dollar market that Visa hopes to continue to play in with products like a digital wallet. And in-store payments, whether that be through NFC, Square or others, represent another market.
  • I’ve been talking to a number of executives of payments companies and founders of innovative payments startups, and while their objectives are different, they all seem to agree on one thing. It’s early and there is still much more innovation were going to see in the next few years in the online and mobile payments space.
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Finextra: PayPal aims to become your digital ID; unveils new bank, vendor, currency par... - 0 views

  • PayPal has taken the wraps off its single sign-on digital identity service for online shopping, PayPal Access. The move comes as the San Jose-based payments operator unveils a series of new partnerships with a host of banking technology suppliers at the BAI Retail delivery show in Chicago.
  • PayPal Access is designed to simplify the checkout process by enabling the company's 100 million account holders to sign in at participating retailers' sites with just their PayPal user name and password.
  • The initiative is a key element of X.Commerce, a new division of PayPal parent company eBay, that aims to provide a common set of APIs for building consumer-facing online merchant services.
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  • Commenting on PayPal Access, Damon Hougland, general manager of identity & informatics, X.commerce, says: "Results from early adopters show that consumers are more willing to engage with merchants because they can use their PayPal account to check out instead of having to deal with the hassle of entering name, address and payment information. This has huge implications for mobile commerce and merchant sales among new and existing customers."
  • Separately, PayPal is introducing a series of new relationships with banking technology suppliers as it bids to make it easier for banks to incorporate its services into their offerings. This morning it announced a partnership with NCR and S1 that enables people to make real-time person-to-person payments from cash machines.
  • Other vendors lined up for the PayPal treatment include mobile outfit mFoundry, account opening specialist MeridienLink, community banking vendor BanVue, and airmiles operator ezRezSoftware. The latter partnership envisages the creation of an application that would enable consumers to convert their airmiles points into cash for spending on the Web.
  • Dan Schatt, general manager of financial innovations at PayPal, explains: "With this partnership, airline and other reward programme members will have access to the entire 'catalogue' of merchandise the Internet offers by using their rewards anywhere PayPal is accepted."
  • Set for take-off in 2012, United Airlines' frequent flyer programme, will be the first rewards scheme to allow PayPal account holders to use miles as a currency.
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