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American Express' new digital payments and commerce platform Serve has just announced its first carrier deal since its launch in March of this year. The company's new partnership with U.S. operator Sprint will allow Serve's mobile wallet application to be made available in the Sprint Zone for customers using select Android phones.

Serve, which can be funded by a bank account, debit or credit card, or from another Serve account, does not require users to be American Express card holders. Instead, it's aimed at those who don't rely on credit cards. With Serve, customers can shop both online and offline, anywhere American Express is accepted.

In the future, Serve will also be used for redeeming offers on goods and services, too, by way of a Groupon-like program.

Did you know that nearly 40 percent of all tweets come from a mobile device? Nearly 56 percent of Twitter users are women and 70 percent of Twitter accounts are based outside of the US. These and more fun Twitter facts can be found this infographic created by Touch Agency. via and via

This week, Hewlett-Packard (where I am on the board) announced that it is exploring jettisoning its struggling PC business in favor of investing more heavily in software, where it sees better potential for growth. Meanwhile, Google plans to buy up the cellphone handset maker Motorola Mobility. Both moves surprised the tech world. But both moves are also in line with a trend I've observed, one that makes me optimistic about the future growth of the American and world economies, despite the recent turmoil in the stock market.

In short, software is eating the world.

More than 10 years after the peak of the 1990s dot-com bubble, a dozen or so new Internet companies like Facebook and Twitter are sparking controversy in Silicon Valley, due to their rapidly growing private market valuations, and even the occasional successful IPO. With scars from the heyday of Webvan and Pets.com still fresh in the investor psyche, people are asking, "Isn't this just a dangerous new bubble?"

So what’s making gamification so popular today? Consider these four factors.

1. Consumers Want It

consumers are looking for new ways to entertain themselves — 40% of U.S. online adults have expressed this interest in a recent survey. What’s more, consumers want game elements everywhere. 60% of consumers play a video game online in a typical week. Consumers (especially Gen Yers) are increasingly accessing games online and on mobile devices.

Every summer, fifty fifth graders converge on Manhattan for a week-long game design camp called Mobile Quest and magic happens.

A game is a complex system. It is a miniature world, in many ways analogous to the world we live in. The game occurs in a space or setting. It has its own physical laws or rules. It engages people or players, who generate outcomes by making choices and taking actions. Learning occurs largely by trial and error, and through this learning a clear goal or goals emerge. There is a sense of progress, a system of feedback, incentives, reward, punishment, reputation. The only difference is that the game world has been 100 percent designed, and it is an experience players can choose to walk away from. This means game designers must capture and retain players' attention and interest quickly.

Local data Alec Muffett is working on a scheme called the Mine Project. This aims to give consumers a local place to store their credentials and sensitive data, so they can choose which services they want to expose the data to.

"I believe the structure of the internet encourages individuals to host their own data. In some ways, it's a little unfortunate that everyone thinks it's easier to have a big company do it on their behalf, but it's entirely understandable," he says.

"It's a karmic cycle," he says. But sooner or later it is going to swing the other way, and people should prepare for an age when their data is once again their own, he argues.

Judith Cherry, Head of Research and Insight at the UK-based organization Opportunity Now and author of the report “Out of Office: Solutions for an Agile Future” [PDF] explained, “We’re moving the debate away from flexwork – because we’ve come to the understanding that we’re all flex workers. What we’re doing now is “agile working.”

The distinction is important, she said, because agile working is about more than working from home, or using mobile devices. It’s a whole new system of management.

She explained, “Technology allows us to work after hours, across time zones, at home, at the airport – we can manage this, so how come it is so hard to let people work three days out of the week? The psychology of work has not caught up with the technology.”

QR code technology arrived late to North America for numerous reasons, and with Near Field Communication (NFC) fast emerging, it is a valid concern that it may not tip the adoption needle in time to establish itself as a household communication tool.

With the release of the Google Wallet, Google has been building a lot of support for NFC. This may explain why they replaced QR codes with NFC for Google Places. Another reason may be because the stickers they distributed to the retailers were intended to be permanent, in which case NFC makes more sense. They may be a bit ahead of the market on this, but if they are distributing millions of these stickers across North America, it pays to plan ahead. Following their announcement, a vast number of articles surfaced with some variation of “QR codes are dead”. This in my opinion was a bit excessive considering Google Places is the only implementation where they made the changeover.

Getting away from Google, let’s briefly look at the expected rate of NFC adoption. Smartphones have been available on this continent for at least 4 years and they currently hold approximately 33% of the market. Google’s Nexus S is one of the first phones to be available with NFC technology and it was released only this spring. Blackberry will start releasing models this fall, and Apple has yet to confirm whether they will include NFC support in the iPhone 5. It’s not unreasonable to expect NFC gaining mass adoption no sooner than 2-3 years.

What kind of services is Schmidt referring to when he says that Google is looking at Google+ as an identity platform that could support other services? Dave Winer thinks that the company wants to effectively become a bank — something he also suspects that Apple and Amazon are interested in as well — and that’s definitely a possibility. Apple and Google both seem interested in NFC technology (near-field communication), which turns mobile devices into electronic wallets, and having a social network tied to an individual user’s identity would come in handy. Ross Dawson says Google wants to build a “reputation engine” using Google+ as a platform.

Gamification is a hot space, and Got Badge? is a new entrant.

The phrase “Pic or it didn’t happen” might be something you’ve heard before. Basically it means, you can’t say you’ve done something unless you’ve taken a picture of it. It’s the honor system that Got Badge? works on for claiming badges.

Badges are broken up into categories, ranging from “Lifestyle” to “Geeky” to “Fun”. Got Badge? is super simple, super fun, and kind of addicting really.

Any other organization can join them in asking for partners to design a new way of offering accreditation to their own organization.

Individuals can earn badges from multiple organizations, some certifying human skills such as collaboration or even helpfulness, that mean as much to future employers as skills and experience and credentials from traditional institutions.   And an individual can choose to reveal or not reveal an e-portfolio.  YOU own your portfolio.

Some might be games---but most will have nothing to do with games

At 500 Startups’ Smash Summit in New York today, Robert Scoble revealed that PayPal is launching something big with Facebook in two weeks, and that it would be a more expansive partnership than the existing PayPal-Facebook integrations.

Last year, PayPal announced its new micropayments product, which Facebook integrated. In early 2010, Facebook announced that you could use PayPal to purchase Credits.

A likely possibility is a Facebook partnership on the new X.Commerce platform, which is a division of eBay, Inc. and is expected to bring together elements from eBay, PayPal, Magento and GSI Commerce. According to PayPal, X.commerce will feature a “fabric” that stitches the platform together to create new experiences for retailers and their customers. A number of partners will be announced (already Adobe and Kenshoo have been revealed as partners), so Facebook could be part of this group.

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

More and more social networks are offering geolocation. How does a person keep up without joining every service under the sun? A Palo Alto, CA-based startup called Ban.jo hopes to become geo-location central by allowing iPhone or Android mobile users to see who’s nearby, no matter what social network they may be using. Ban.jo founder Damien Patton, who launched the free app at the end of June, says it has already been downloaded in over 100 countries. He wants to make all geolocation services more useful to more people by eliminating the barrier of having to sign up on a case-by-case basis. So far, Ban.jo users can see the locations of people who have declared their locations via Twitter, Foursquare, Gowalla, or Facebook.

Because NFC tags are more expensive than barcodes or RFID tags (just under $1 in volume) they will make their way into high-end retail products first: Cars, electronics, consumer appliances.  As more products start to include NFC tags, this will drive the price down even further.  As the price goes down, NFC tags will make their way into products $20 and above (clothing, wine, shoes, Costco-sized purchases). And then there are the phones. With almost 100 million NFC-equipped phones estimated to be shipped just over the next year and more than 1 billion predicted for the next four years, shopping, comparing, and purchasing via NFC-equipped smartphones will become commonplace.

Third Eye, a new free Android game from Viewdle, uses a combination of augmented reality and facial recognition technology to make a whole new kind of mobile game.

Basically, everybody is either a Vampire or a Slayer and this "relic"--the Third Eye--can tell you which category you fall into by reading your "faceprint." You might be familiar with Viewdle's other Android app, SocialCamera, which uses facial recognition to automatically tag photos of your friends. The objective of the first part of Third Eye is to build your army and establish alliances. The second and third parts, which will come out later this year, pits your assembled clans against one another in all-out war.

Next, you'll want to start recruiting people for your army. Third Eye uses the same facial algorithm on your friends (or random strangers, if you're bold) to identify if they are a vampire or a slayer. You simply hold your phone up toward their face and the app will scan it to determine their fate. If they're a slayer and you're a vampire, you can either "Feed" aka suck their blood or "Ghoulify" and make them join your army.

Powering remote sensors, which are seen as the key to the future “Internet of Things”, is a problem. Given that sensors may well be embedded, long-life power sources are essential; you don’t want to be changing AA batteries every few months on the predicted 50 billion devices that will be connected to the net. Now U.S. researchers have devised a way of tapping into the energy found in the fog of electromagnetic energy that envelops us all; a fog caused by radio and TV signals, mobile phone transmissions, even domestic WiFi. The researchers have already successfully operated a temperature sensor, according to reports by PhysOrg.

Their solution to competing with their larger (more supermarkets) competitor was to create virtual stores using large wall spaces in subway stations that are full-size photos of their supermarket products. Customers use thei smartphones to scan QRcodes to a virtual shopping cart. Once the order is complete, the items are delivered directly to them after they arrive at their homes. Homeplus: Virtual Subway Store (WeLoveViral) More than ten thousand customers visited the online store using their smartphones. New registered members rose by 76% and online sales rose 130%. This marketing and sales technique increased their sales without increasing retail store space. And, it made shopping more convenient for busy people. Thanks to Megan O’Neill for the pointer to this great mobile story.

Currently NFC is seen as one of the most exciting areas in our industry in terms of revenue generation: projections show up to 700 million NFC-enabled mobile phones will be sold by 2013, according to Jupiter Research. At Nokia, however, we would argue that the industry's current focus on secure NFC may be at the expense of realizing the potential of open NFC. As pioneers in NFC technology, and as a founder of the NFC Forum, Nokia believes that open NFC will have a far greater impact on consumer behavior and the NFC ecosystem than secure NFC will. Open NFC has the potential to spur a vast number of business opportunities for developers, retailers, advertisers, electronics manufacturers and others.

NFC tags, which cost only a few cents, offer huge potential for advertisers, retailers and others to reach, reward and stay in touch with their customers. These tags can be promoted at any location, including a phone retail point, a coffee shop, or even at the local supermarket, with immediate and measurable results.

Open NFC will benefit consumers on a much larger scale and get people familiar with using their device for NFC interactions, before secure NFC reaches a high level of penetration. As more and more NFC phones come to the market in 2011 and 2012, open NFC will change the way consumers interact with each other and open up a host of opportunities for developers both large and small.

The cool kids of today - yes, the same kids who will be voting in the 2012 election - don't want to talk about infrastructure. Instead, they want to talk about mobile devices, crowdsourcing real-time data and collaborating via high-tech RFID sensors. They don't want to think about massive government expenditures and cheap bank loans for new construction projects. They think about cool ways for The Internet of Things to empower everyday citizens.