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RFID tag information can be communicated in real-time to the enterprise database through Wi-Fi, CDMA, GSM or Bluetooth connections associated with PDAs and Smartphones. The SDiD Card allows for safe and secure product and client information storage, updates and processing.

The SDiD Card also supports Near Field Communication (NFC) technology allowing consumers to use their devices to access product and entertainment information, compare prices and perform transactions. Consumers can make contactless payments, redeem coupons and points and receive instant promotions and rewards. NFC is a combination of contactless identification and interconnection technologies developed by Philips and Sony. NFC enables short-range radio frequency (RF) communication between personal electronic devices. The NFC based SDiD Card allows PDA and Smartphone users to access product information or entertainment content such as pictures, music and video clips by waving their mobile devices in front of a smart poster or kiosk. Users can also exchange such information with other users through NFC or mobile connection of their devices.

Wireless Dynamics offers two SDiD Card versions, the SDiD 1010 and the SDiD 1020. The SDiD 1010 is a NFC-based SD Card supports ISO14443A standard, NFCIP-1, Philips MIFARE tag and Sony's FeliCa tag. It is ideal for contactless payment, advertising and promotional applications.

With the Nokia NFC (Near Field Communication) shell on their phone, consumers will be able to access a variety of services and exchange information with a simple touch gesture.

The Nokia NFC shell offers consumers access to browsing, and text message services simply by touching tags that contain service shortcuts. Consumers are also able to give their favorite service shortcuts to other users by touching another NFC-compatible device with their phone. In addition, the Nokia NFC shell comes with tags that can be used for creating own personal service shortcuts.

The NFC technology evolved from a combination of contactless identification (RFID) and interconnection technologies. NFC operates in the 13.56 MHz frequency range, over a distance of typically a few centimetres. NFC technology is standardized in ISO 18092, ISO 21481, ECMA (340, 352 and 356) and ETSI TS 102 190. NFC is also compatible to contactless smart card infrastructure based on ISO 14443 A, i.e. Philips MIFARE technology, as well as Sony's FeliCa card.

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.

ATLANTA — The first large-scale test of next-generation mobile phone applications in North America using near-field communication (NFC) was unveiled at Philips Arena here Wed. (Dec. 14). The trial for mobile phone applications includes "contactless payments," mobile content and premium arena services.

SAN FRANCISCO (CBS.MW) -- When an unidentified $30 debit showed up on her bank statement as an electronic funds transfer, Cheryl Hicks was mystified.

Each month, three electronic transfers go through her account -- and this wasn't one she recognized. "It just said ACH debit and the amount," said Hicks, a 33-year-old communications manager who lives near Everett, Washington.

Hicks soon discovered her phone company transformed the paper check she sent for payment into an e-transfer, and her bank failed to list either the check number or the recipient on her statement.

American Express is going all in on the daily deals business, striking a deal with Facebook that is similar to the one it already has with Foursquare. Through a new Facebook app called “Link, Like, Love,” AmEx cardholders can link their cards to their Facebook accounts just like they can already link their cards to their Foursquare accounts. Once they do so they will get a dashboard of deals from brands such as Whole Foods, Dunkin’ Donuts, Virgin America, and Sports Authority. (These offers are different than Facebook Deals, which Facebook sources itself)

Unlike Groupon or LivingSocial, these AmEx deals don’t require anyone to pre-purchase anything or present any coupons to merchants. One of the biggest challenges for the daily deals industry is how to measure how many offers are actually redeemed at thousands of different participating businesses. But AmEx has an advantage here in that it is already a payment network that is set up and accepted in businesses large and small around the world. All people have to do is buy the deal item with their AmEx card and they will be credited the deal amount. The Facebook twist is that the deals you see are influenced by what you and your friends “like” on the Web using the Facebook like button.

Although many of the deals at launch are with national brands, AmEx is also leveraging its relationships with smaller local merchants. It is a launching a program aimed at them called Go Social which allows merchants to manage deals across both Facebook and Foursquare, with other social networks to be added in the future. Business owners will be able to create their own coupon-less deals in a self-serve manner that are triggered whenever someone with a linked account buys a deal item. Self-serve has been a challenge so far with local merchants, but AmEx can market to them through its existing channels.

American Express and Zynga are teaming up to make it easier than ever to turn your money into virtual cows, tractors, and whatever else the folks at the multibillion dollar social gaming company can cook up. And this time, it doesn’t involve actually forking over cash — at least, not directly.

You see, American Express is now allowing its customers to exchange their ‘membership rewards’ points for virtual goods and/or ‘game cards’ that can be redeemed for Zynga’s in-game currency. These points are earned as American Express customers use their cards — the AmEx site says that you get one point for “virtually every dollar you spend on your Card.”

In addition to these virtual goods, users can buy game cards, with denominations starting at $2 for 200 points and running up to $50 for 5000 points (you can get both physical and virtual game cards). Do the math and you’ll notice that this is 100 points for every $1 of in-game credit. This works out to 1% of your spendings, which is a pretty standard ‘cash back’ amount seen in credit card rewards programs (some programs will do better than 1% for certain items, like hotels).

Visa this morning announced that it has agreed to acquire Fundamo, a specialist mobile financial services provider to network operators and financial institutions in developing economies, for $110 million in cash.

In a separate announcement, the giant payments technology company said it has entered into a new, long-term commercial agreement with Monitise, a provider of mobile money solutions for financial institutions in more developed regions.

Here’s how the duo of agreements was pitched: The combination of acquiring Fundamo and expanding the relationship with Monitise will enable Visa to deliver best-in-class mobile financial services and payments capabilities to consumers across the full spectrum of uses, geographies and mobile environments from basic services on simple handsets to more advanced services for smart phone owners.

PlaySpan, a virtual goods monetization platform, has been acquired by Visa. According to the release, Visa will pay $190 million in cash for the company, plus additional payouts for performance milestones. The deal comes nearly a year after Visa spent a whopping $2 billion on e-payment company CyberSource. Visa says that the acquisition of PlaySpan complements the CyberSource deal and will extend the company’s presence in digital and mobile commerce.

This is a big exit for PlaySpan, which has raised a total of $46 million in funding since its launch four years ago. PlaySpan has been growing like a weed, striking partnerships with a number of social network, gaming and media companies, including Viacom, Disney, Facebook, Ubisoft, and Sanrio.

PlaySpan’s flagship product UltimatePay is a ‘Monetization as a Service’ platform for apps, games, videos and digital goods. Based on the user’s location, the payments platform draws from over 85 different payment options. Because of its vast variety of payment options (which include PayPal, pre-paid cards, and a number of credit cards), UltimatePay is designed for a global audience. Currently, PlaySpan powers virtual goods marketplaces across 1,000 video games, virtual world publishers and social networks.

How does Netswipe work? Camera + Credit Card = Secure payment Jumio’s patent pending technology turns the camera of a computer or mobile device into a card reader. The most secure form of online payment possible. Step 1 Scan your card with your webcam or phone camera. Actual card needed. (online card present transaction) Step 2 Enter security (CVV) code to complete transaction. You’re done. Netswipe – the online card present transaction, a new technology product from Jumio.

How Netswipe uses the webcam as a credit card reader Your webcam or phone camera is turned on during the payment process to scan your credit card and verify its authenticity. Hold the credit card in front of your camera as illustrated below. Jumio’s Netswipe scans and verifys your card details. No details are stored upon completion of the payment and the camera will be turned off automatically.

SAN JOSE – September 15, 2010 – VeriFone Systems, Inc. (NYSE: PAY), today announced that Global Payments Inc.,(NYSE: GPN), leader in electronic payment processing services, will distribute and support VeriFone’s PAYware Mobile secure card payment system in Canada. Global Payments is the first payment processor to offer Canadian customers VeriFone’s unique card processing solution for the iPhone mobile digital device.

Global Payments will begin immediately to make the PAYware Mobile card encryption sleeve available to merchants. VeriFone’s sleek and durable card reader slips over iPhone 3G and 3GS to accommodate secure card swipes and allow individuals and businesses with new or existing merchant accounts to qualify for lower-cost “card present” transaction fees.

“VeriFone has created a market-leading mobile payment solution that will expand electronic card acceptance to a broad range of merchants and small businesses for which a payment-enabled, multipurpose smartphone is the best option for electronic payment transactions,” said Jeff J. McGuire, Vice President, Product Development and Marketing for Global Payments Canada. “We’re delighted to be first to introduce this first-class payment solution for iPhone into the Canadian market.”

Since it was announced some time ago in 2011, Google Wallet has been completely exclusive to the Sprint Nexus S 4G. Every carrier other than Sprint has opposed the Google Wallet program and blocked it from being installed on their devices as they were preparing their own proprietary NFC payments system called Iris. That didn’t stop people from hacking Google Wallet and installing it onto non-Sprint Nexi, but still, we’d like to see more support from the carriers on this. Thanks to some brand new Android Market discoveries, however, it now looks like Google Wallet is officially available for all Galaxy Nexus on Verizon and AT&T!

Head over to the web version of the Android Market and search for Google Wallet. If you’re on a Verizon or AT&T (unlocked GSM) Galaxy Nexus, it now says Google Wallet is compatible with your phone! As a day one AT&T Galaxy Nexus user I can confirm it hasn’t always been this way and this could possibly be the first step towards seeing Google Wallet become a more widespread program. If you try to install from the app version of the Android Market it still says incompatible, so it’s probably in the first phase of rollout. Google Wallet is still apparently blocked for Galaxy Nexus users on T-Mobile, but hopefully that changes soon

If you are a Galaxy Nexus user on Verizon and AT&T, let us know in the comments if you successfully installed Google Wallet from the web version of the Android Market. I can confirm that installation worked perfect on my AT&T Galaxy Nexus.

Isis, the near field communication mobile wallet venture from Verizon, AT&T and T-Mobile, took another step forward with the announcement that it has selected SIM card maker and digital security specialist Gemalto as its trusted service manager (TSM) for the wallet. The deal means Gemalto will manage the secure element on Isis phones, overseeing the transfer of payment credentials from banks and payment services to the Isis wallet application on phones.

Gemalto will essentially hold the payment keys for Isis, controlling which service providers are able to tap Isis for contactless payments. It won’t participate in the actual transactions but will enable a host of applications, from payments to coupons and loyalty cards.

The deal is an important step for Isis, which is moving ahead toward a launch in the first half of 2012 in Salt Lake City and Austin before a larger nationwide roll out. The joint venture will compete with Google Wallet, which launched in September with partners Sprint, MasterCard and Citibank and First Data as its trusted service manager.

You hear things about Facebook. You see things. As its audience matures, a subtle shift might be under way. Of course, numbers remain staggering. Facebook is heading toward the 800 million users mark, mostly by conquering new markets. The growth is distributed as follows: Middle-East Africa, Asia-Pacific and Latin America grow by about 60% a year; Europe by 35% to 40%; and North America by 25%.

older people are joining in western markets, while a younger audience grows in emerging ones. More changes are under way as the internet spreads on both landlines and mobile devices: over the past three years, China added more internet users than exist in the US today. Furthermore, in the fastest growing markets, Facebook captures more than 90% of all social network traffic. So, for the near future, Facebook doesn't have a growth problem.

It now seems Facebook's usage is undergoing a split. Active Facebookers become increasingly engaged, spend more time doing more stuff, while "reasonable" users (over 25) become more reluctant and careful.

Africa is being tipped to pass one billion mobile subscriptions to become the world’s second largest mobile market by 2016 according to new research from analyst firm Informa.

Mobile activations in the continent, which currently stand at 616 million, are estimated to grow by more than 60 percent over the next five years making the region the world’s second largest telecom market behind only Asia.

Informa explains that the development of the region’s “relatively immature telecoms market” — thanks to increased competition and lower costs — combined with the continued growth of Africa’s population are the primary reasons for its growth predictions. The use of 3G is also tipped to rise at a strong rate from 6.6 percent of Africa’s total mobile subscribers today to 46 percent by the end-2016 .

Disruptive mobile payments company Square has just brought on a new investor-Sir Richard Branson, founder of the Virgin Group. This comes on the heels of the company’s recent $100 million funding round led by led by Kleiner Perkins Caufield and Byers. The exact amount of Branson’s investment was not disclosed.

According to Square, Branson “took interest in Square’s rapid growth and novel technology, in particular its free hardware that allows anyone to accept credit card payments anywhere, anytime.”

Square has been on a roll of late, processing over $2 billion in payments annually and signing up 800,000 merchants to use its technology. This year, the company also signed retail deals with Apple, Best Buy, RadioShack, Target and most recently, Wal-Mart retail stores. And the company has added Kleiner partner Mark Meeker, Vinod Khosla and Larry Summers to its board.

Zypr is everything you wanted from Siri without the Apple-flavored handcuffs.

This voice-control API gives developers a free platform for writing voice-activated commands for web applications, including navigation, social media, maps, calendars and more.

One of the most interesting and valuable aspects of the Zypr API is that it aggregates third-party APIs from services like Facebook and Amazon, categorizes their functions (for example, social, mapping or shopping) and presents those functions through a single, normalized API, creating a stable access point for devices and apps. If a third-party API changes, the developer using Zypr doesn’t need to make any changes to his or her code. Pioneer says that Zypr can replace around 80 percent of the functionality of the APIs it supports.