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The so-called digital wallet made important strides in 2011, sometimes eliminating the logistical need for paper vouchers, mobile apps, QR codes, and even cell phones.

At times this transition seems to be sneaking up on us. Earlier this month, thousands of merchants nationwide didn't know they had gained foot traffic and sales thanks to American Express and Foursquare. Amex rewarded consumers who synced their credit cards with their Foursquare accounts with $10 back if they spent the same at local businesses after checking in with the geo-social app. That effort followed up a successful post-Black Friday stint dubbed "Small Business Saturday," when Amex users checking in on Foursquare could get a $25 credit if they spent $25 with a local merchant.

Jake Furst, a business development director at New York-based Foursquare, said there was little to no organizational outreach to local businesses. "The merchants didn't necessarily know what was happening as we drove customers to their locations," he explained. "Small Business Saturday was a huge success. We got a ton of interest from Foursquare users and Amex card holders that didn't know about Foursquare yet."

“Eventually we want to make a version of the Obama Square application available to everyone from within the App Store,” Katie Hogan, an Obama re-election campaign spokesperson told The New York Times. “Someone who is a supporter of the campaign can then download the app, get a Square attachment and can go around collecting donations.” The app will collect information such as the donor’s name, address, occupation and employer.

A representative of Republican presidential hopeful Mitt Romney told the Times that Romney’s campaign will begin beta-testing Square during Tuesday’s primary election in Florida.

“We’re going to be testing it in Florida tomorrow night to see how it works and then hope to roll it out to the rest of the country,” Zac Moffatt, the Romney campaign’s digital director said. “Anything that reduces the barrier to donate is going to help us with our supporters.”

For disruptive mobile payments startup Square, 2011 was a year of massive growth on many levels. The startup ended the year with over 1 million merchants using the mobile payments platform to accept credit cards (there are only 8 million merchants who accept credit cards in the US). In November, Square announced it was processing $11 million in payments per day (up from $4 million a day in July). Sir Richard Branson, Kleiner Perkins, Visa, and other investors poured over $100 million over the course of the year into Square, with the company’s latest valuation pegged at $1 billion. And Square announced a number of new product innovations, including Card Case, a new iPad app and more. Not to mention the unveiling of  retail deals with Apple, Wal-mart, Best Buy, Radio Shack, and Target. It’s hard to imagine how Square could top such an eventful year. But according to COO Keith Rabois, 2012 will prove to be even more monumental for the mobile payments company.

Square is kicking of 2012 with two new retail deals, OfficeMax and select UPS Store locations. With these new retailer partnerships, Square is now being sold at 10,000 retail locations, up from 9,000 at the end of last year. Square’s credit card readers sell for $9.99 in stores but each purchaser can redeem a $10 credit to their bank account. According to Rabois, retail sales of Square has been a large driver of adoption. In fact, currently 80 percent of U.S. population is within 15 minutes of a Square device sold at a retail location.

Beyond expanding retail deals (there are more to come, he says); Square will also be looking to upgrade the experience of running a business, end-to-end, on the iPad. Last May, the company debuted new iPad app Square Register, a high-powered point of sale replacement for cash registers and point of sale terminals. This year, the startup will add to the capabilities of this software, enabling small businesses to grow and manage their operations off of the device.

PayPal today unveiled a new peer-to-peer payment functionality that allows Android users to pay each other by tapping two near field communication (NFC)-enabled devices together. The feature, which follows an earlier contactless PayPal payment tool using Bump Technologies, shows how PayPal is gearing up for NFC as part of its larger push on mobile payments.

The payments work through a PayPal widget that allows a user to request or send money. A user enters the transaction information and then taps their phone up against another phone also equipped with the same app. After the phones buzz together, the recipient can decide to send or receive money by entering a PIN number.

PayPal’s new mobile payment service will only work currently in the U.S. with the Samsung Nexus S from Sprint and T-Mobile but will expand to other Android phones that include NFC functionality in the future. The transactions utilize an encrypted token and don’t access the secure element inside the NFC chip, where payment credentials reside. It appears this is set up for just peer-t0-peer transfers, which is still a big part of PayPal’s mobile payments business.

Luxtera, which makes a optics chips that has characteristics of a standard silicon chip, has developed a hybrid chip for the data center market that can achieve speeds of more than 100 gigabits per second. Those are the same speeds that telecommunications firms are enabling via long-haul cables to handle the massive demand for bandwidth worldwide, but in this case are designed to handle the next wave of big data and networking-intensive applications inside webscale and cloud data centers.

Luxtera was founded in 2001 and builds chips that allow messages to be sent at the speed of light, but instead of using specialty materials that optics chipmakers such as Infinera use, Luxtera uses traditional silicon chips made using the CMOS process. This cuts down on the cost of the chips and makes it possible to use them for high-volume jobs, such as switching in the data center.

Luxtera’s single chip opto-electronic transceiver includes four fully integrated 28Gbps transmit and receive channels powered from a single laser for an aggregate unencoded data rate of up to 112Gbps. The device is targeted for 100Gbps Ethernet, OTN and InfiniBand applications as well as emerging OIF (Optical Internetworking Forum) Short Reach (SR) and Very Short Reach (VSR) electrical interconnect to host systems. … The optical transceivers can be socketed directly onto the customers’ switch or server boards for both backplane and rack mount connectivity.

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.

China's leading location-based social service is distributing NFC window stickers to more than 3,000 merchants in Shanghai, Guangzhou, Chengdu, Taipei and Hong Kong

Jiepang is to distribute NFC window stickers to more than 3,000 merchant partners in six cities in Greater China, including Beijing, Shanghai, Guangzhou, Chengdu, Taipei and Hong Kong.

Jiepang is China's leading location-based social service. Its users currently check in and earn rewards via a GPS-enabled smartphone app which comes preloaded on all new HTC, Sony Ericsson, Nokia and other smartphone brands in China, including all three of the new Nokia NFC smartphones announced earlier this week.

Leading coffee chain Starbucks is bringing its mobile payment system to its chain of 700 stores in the UK, allowing owners of the Apple iPhone to make payments for their purchase straight from their handset.

The mobile payment service is already up and running in the US, and is scheduled to launch in the UK from January 5th, when the mobile app should be launched in the Apple App Store.

The app makes use of barcode scanning, and links customers' Starbucks card to the application. To make a payment, users simply launch the Starbucks app, select card, and scan the barcode across scanners in the store.

Telefonica Digital staff are to start testing NFC payments using BlackBerry smartphones, RIM announced in a blog post yesterday.

In collaboration with local banks and retailers, 350 Telefonica employees will trial the devices at its headquarters in Spain.

Telefonica CEO Matthew Key is quoted as saying the technology will be rolled out in several markets in 2012.

Location-based social game mechanics are not inherently transactional. That is where the company's newest product, LevelUp comes into play. Take merchant offers, location, game mechanics and make then transactional and you have an idea what LevelUp is trying to do in the mobile payments space.

LevelUp is the path and it dives deep into the fundamental nature of payments, merchants and how people interact with money.

How Does LevelUp Work?

Back in 2007, the Chief Executive of Visa Europe claimed that we could all be living in a cashless society by 2012. With that milestone fast approaching, it’s safe to assume that notes/bills and coins won’t be going the way of the dodo that quickly, but a new forecast has emerged from another giant from the finance world.

PayPal has produced a new report which will be released shortly – Money: The Digital Tipping Point – in which it predicts not only that consumers won’t need cash to go shopping, but they won’t need a wallet at all. And when can we expect this vision to be realized? 2016, it seems.

We’ve written quite extensively about mobile payment technology in recent times. Back in September we spoke with Ben Milne, founder of peer-to-peer Web and mobile payment platform Dwolla, who discussed the future of m-commerce. And prior to that, The Next Web’s Brad McCarty looked at how NFC will get its piece of the $4 quadrillion payments pie. There’s little question mobile payments will play a big part in the future of commerce. But will it completely outmanoeuvre paper, coins AND plastic by 2016?

Twitter offers a great way to get your information spread far and wide: the retweet.

Making Re-Tweet Ready Posts Make sure your post info has room for your original info plus a retweet. If your original post is close to 140 characters, the person retweeting has to edit your post to send it back out. Smells like work? People won’t make extra effort to retweet you if they have to edit your posts. Make sure you use URL shorteners like bit.ly or is.gd or ow.ly (there are dozens) to get back more of your real estate. If you’re going to tweet a URL, give folks a sense of what they’re clicking into. For instance, I use (video) or (youtube) when pointing to a YouTube video. And make sure you use (NSFW) on things that are Not Safe For Work. The more helpful or entertaining your tweet, the more likely people will take an action. The more jumbled with @ names and multiple urls and hashtags your tweet is, the less likely it will be retweeted. People will gladly retweet causes (unless you fatigue us). Starting a tweet with an @ means that a good chunk of folks won’t see it.

Retweet other people and promote other people 15x to every 1 time of your effort. Don’t tweet every damned thing you write about or do. Folks will fatigue quickly. Befriend and add value to the best retweeters. It’s a live network, a human network, a give-and-take relationship. That’s it. That’s how I do it. What about you? How are you getting it done? Photo credit Mike Baird ShareThis Tags: communication, howto, socialmedia, twitter ChrisBrogan.com runs on the Thesis Theme for WordPress Thesis is the search engine optimized WordPress theme of choice for serious online publishers. If you’re a blogger who doesn’t understand a lot of PHP, Thesis will give a ton of functionality without having to alter any code. For the advanced, Thesis has incredible customization possibilities via Thesis hooks. With so many design options, you can use the template over and over and never have it look like the same site. The theme is robust and flexible enough not only to accommodate a site like ChrisBrogan.com, but also to enable the site to run far more efficiently than it ever has before. Go on a guided video tour of Thesis and see the amazing things you can do with this theme! Seriously, you’ll love it. Check out the Thesis demo site See more Thesis-based sites in the gallery showcase

The world of work for knowledge and information workers has seen enormous shifts over the past decade, and it is something that impacts a disproportionate number of entrepreneurs.  According to the 2006 US Census, 49% of US businesses were based out of the home.  While these ranks used to be dominated by the trades (e.g. construction, electricians, plumbers, etc.), advances in technology have swelled the ranks of the home-based knowledge worker (e.g. consultants, web designers, developers, writers, etc.).This creates a whole new set of challenges when it comes to getting work done.  Because information-based work is almost never done in a vacuum, most of us work in teams.  And a large percentage of those teams can go weeks — if ever — without seeing each other face-to-face.  Making this work well sounds like it should be easy given all of today’s technology: email, Skype, ooVoo, Twitter, etc.  But, as usual, the issue that requires the most management is not the technology, it’s the people.This creates a whole new set of challenges when it comes to getting work done.  Because information-based work is almost never done in a vacuum, most of us work in teams.  And a large percentage of those teams can go weeks — if ever — without seeing each other face-to-face.  Making this work well sounds like it should be easy given all of

today’s technology: email, Skype, ooVoo, Twitter, etc.  But, as usual, the issue that requires the most management is not the technology, it’s the people.Becky McCray of SmallBizSurvival recently posted an article on MyVenturePad discussing this very thing.  In “6 Tips for managing a distributed workforce,” she discussed several valuable tips in successfully leading a team that is all working remotely (presumably from their homes).  In addition to some of her great tips — ranging from reading The One Minute Manager to explicitly declaring the weekend off — here are a couple more items that I’ve recently been reminded are critical to the success of a virtual team.Clarifying priorities.Rules of engagement.

Roles and responsibilities.Talk through assumptions.Ask, Then DecideRead more at www.workingpoint.com 

Nearly one in five smartphone users are tapping into check-in services like Foursquare and Gowalla, according to a ComScore report released yesterday. A total of 16.7 million mobile-phone subscribers used location-based services on their phones in March. That amounts to about 7.1 percent of the entire population of mobile users. But among smartphone users specifically, 12.7 million checked in with such sites during the month, representing 17.6 percent of all smartphone owners, ComScore said. For the purposes of its study, ComScore included such location-based check-in services as Foursquare, Gowalla, and Facebook Places.

Compared with most smartphone owners, those who used location-based sites on their phones also proved more likely to access other types of mobile content. More than 95 percent of them used their mobile browsers or mobile apps. Almost 62 percent grabbed the news on their mobile devices. And in a stat that will make retailers happy, almost one third of the users browsed to online retail sites on their phones, while one fourth accessed online shopping guides. Users of check-in sites also got a heavier dose of advertising. Almost 40 percent of respondents said they remembered seeing an online ad during March, compared with just 27.5 percent of all smartphone users who said the same thing.

i have a few complaints about the use of “augmented reality.” the first is primarily semantic. it seems (to me at least) like the term it implies some kind of (pre-digital?) “non-augmented” reality. this is more or less explicit when we refer to things like “augmented revolution” or “augmented conference.” it seems like the idea of augmented reality was introduced to make a point against a false binary (“digital dualism”) and i agree that this is important, both academically and in real life (see what i did there?). but i think the way we talk about augmented reality is sneaking a version of that binary back in. not the naive real v virtual but maybe something like real v “real+” and i think that is a mistake. and it is a strange mistake to read here, on a blog called “cyborgology” that proclaims (rightly i’m sure) that we have always been cyborgs. our friends from sst especially, i think, are sensitive to how reality has always been “augmented” if we are paying attention. so quoting sst hero latour:

If we wanted to project on a standard geographical map the connections established between a lecture hall and all the places that are acting in it at the same time, we would have to draw bushy arrows in order to include, for instance, the forest out of which the desk is coming, the management office in charge of classroom planning, the workshop that printed the schedule that has helped us find the room, the janitor that tends the place, and so on. And this would not be some idle exercise, since each of these faraway sites has, in some indispensable way, anticipated and preformatted this hall by transporting, through many different sorts of media, the mass of templates that have made it a suitable local—and that are still propping it up.* and he goes on for literally pages. he starts on p 200 (where the quote is from) and ends somewhere on p 203. then he picks it up again on p 206 with more. by 207 he is talking about the “plug-ins”, “patches” and “applets” that actors in a lecture need to make sense of what is happening. and cyborgs:

As we have witnessed so many times throughout this book, information technologies allow us to trace the associations in a way that was impossible before. Not because they subvert the old concrete ‘humane’ society, turning us into formal cyborgs or ‘post human’ ghosts, but for exactly the opposite reason: they make visible what was before only present virtually. In earlier times, competence was a rather mysterious affair that remained hard to trace; for this reason, you had to order it, so to speak, in bulk. As soon as competence can be counted in bauds and bytes along modems and routers, as soon as it can be peeled back layer after layer, it opens itself to fieldwork.

In his short treatise On Bullshit, the moral philosopher Harry Frankfurt gives us a useful theory of bullshit. We normally think of bullshit as a synonym—albeit a somewhat vulgar one—for lies or deceit. But Frankfurt argues that bullshit has nothing to do with truth. Rather, bullshit is used to conceal, to impress or to coerce. Unlike liars, bullshitters have no use for the truth. All that matters to them is hiding their ignorance or bringing about their own benefit. Gamification is bullshit. I'm not being flip or glib or provocative. I'm speaking philosophically. More specifically, gamification is marketing bullshit, invented by consultants as a means to capture the wild, coveted beast that is videogames and to domesticate it for use in the grey, hopeless wasteland of big business, where bullshit already reigns anyway. Bullshitters are many things, but they are not stupid. The rhetorical power of the word "gamification" is enormous, and it does precisely what the bullshitters want: it takes games—a mysterious, magical, powerful medium that has captured the attention of millions of people—and it makes them accessible in the context of contemporary business.

In an age when everything is going virtual and digital, we could be looking at a future where wallets may be as uncommon as Filofax organizers and paper address books.

While loyalty cards should be baked right into Google Wallet, the chances are not every single retailer will be included in the equation. The cross platform app Key Ring is the perfect solution to get rid of all those loyalty cards crowding your wallet (or key chain) and put them all on your phone.

Rather than use traditional business cards, there are several virtual options that can replace the need to print out a stack of cards. It’s more environmentally friendly and you won’t have to worry about forgetting your cards. CardCloud, which we’ve written about in the past, is available for both iOS and Android and allows you to email your business card to users who don’t use the app, and record the location where you exchanged business cards – making it the most well-rounded app of its kind.

In South Africa, the continent’s strongest economy, mobile phone use has gone from 17 percent of adults in 2000 to 76 percent in 2010. Today, more South Africans – 29 million – use mobile phones than radio (28 million), TV (27 million) or personal computers (6 million). Only 5 million South Africans use landline phones. Nielsen’s recently released Mobile Insights study in South Africa, which examined consumers’ usage of and attitudes toward mobile phones, networks and services, reveals a number of interesting insights such as: -- Nokia rules: More than half (52%) own that company’s handsets, followed by Samsung and BlackBerry, and 56 percent of those currently using other brands indicated their next handset would likely be a Nokia. -- SMS text messaging is practically ubiquitous among South African mobile customers, and is used by almost 4.2 times more people than e-mail. More than two-thirds (69%) of consumers prefer sending texts to calling, in large part because it is less expensive, and 10 percent believe texting to be a faster way of communicating.

In January 2011, Starbucks debuted a new way for customers to pay for coffee—through the brand’s mobile app. With 2-D barcode scanners installed in nearly 9,000 of its store locations, the coffee chain has served as a model for retailers looking to enter the mobile payments space.

Starbucks’ mobile platform builds on the success of the Starbucks Card, which has grown from a popular stored-value card to a significant method of payment in stores. Extending the program to a mobile platform was a natural opportunity to enhance the experience and allow customers to manage their Starbucks Card on the go.

Our customers told us they want a faster and easier way to pay, and Starbucks mobile payment apps are the fastest way to pay.