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Four major credit card companies are working with the Isis mobile wallet venture to install mobile payment security applications on upcoming NFC-ready smartphones in the U.S.

Visa expects to license its own software, called PayWave, to the upcoming near-field communication (NFC) smartphones sold by the three wireless carriers in the Isis consortium, a Visa spokeswoman said yesterday.

All four of the credit networks offer contactless payment software, which today is more widely used on cards containing chips than in smartphones. Isis officials said in July that having all four on board will increase consumer and merchant acceptance of NFC-ready smartphones used to make point-of-sale purchases.

there are very few executives, only a fraction, who are actually creating next-generation social experiences for their companies like Jeff Schick. The IBM executive doesn’t just leverage social business solutions, he and his team create them. “We started well over 15 years ago. We’ve been thinking about how to better connect people with people and people with information in terms of IBM itself,” Schick says, “the idea of getting the right person over the right opportunity at the right time to yield the right result was genuinely a business imperative at IBM.”

At Big Blue, the company encourages the use of Twitter, Facebook, LinkedIn, and blogs to support their sales, communication, marketing and recruiting efforts.  While employee’s social interactions are not under a microscope, the experiments in social on a massive scale have led to a set of social business conduct guidelines that govern their employees’ social interactions. Schick advises that you need to establish behavior standards for employees to follow.

So why do they do it? Since they are both an early adopter and creator of social technologies, they’ve learned that content management, business process management, collaboration, commerce and analytics must all be combined with a social layer to create a universal and unified solution.

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?"

oursquare has launched its Tip Lists features today, attempting to capitalize on people’s unending desire to create lists about locations, like Top Five Coffee Shops in SF, etc etc. Up until now your Foursquare Tips have sort of roamed free on the app, without rhyme or reason or real incentive to add more. Today the company is trying to improve on the Tips experience and get users to fancy themselves local experts. After all, you must know something about some place in the city you live in right?

Creating a list is relatively easy, as the entry field auto-populates with places. There is also a collaborative functionality, which lets people who you’re friends with edit a list.

The Tip Lists will also feed into Foursquare’s Explore functionality, which serves up recommendations for Food, Nightlife and Coffee based on your friends’ Checkins and Tips.

Payments company PayPal wants to make sure that it stays in the conversation when it comes to mobile payments.

In the last couple of weeks we have heard from innovations coming out of MasterCard and Intuit. PayPal is one of the leaders in mobile payments, especially on the peer-to-peer front.

PayPal is predicting that mobile payments is going to boom come time for the holiday shopping spree

What if those new jeans you've just bought start tweeting about your location as you cross London Bridge? It sounds far-fetched, but it's possible - if one of your garments is equipped with a tiny radio-frequency identification device (RFID), your location could be revealed without you knowing about it. RFIDs are chips that use radio waves to send data to a reader - which in turn can be connected to the web.

"The IoT challenge is likely to grow both in scale and complexity as seven billion humans are expected to coexist with 70 billion machines and perhaps 70,000 billion 'smart things', with numbers infiltrating the last redoubts of personal life," says Gerald Santucci, head of the networked enterprise and RFID unit at the European Commission.

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.

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

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

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

Instead of thinking about the buttons on a phone or a laptop, manufacturers and designers need to think about what will happen when computers are embedded in everything and connected all the time. Instead of computing confined in a box on a desk or in the hand, computers will be everywhere pulling data from a variety of places.

Of those three elements the patient input screen is likely gathering the least important information and must convey complicated information simply.

How will a machine know when someone waving their hands while they talk to a friend becomes someone trying to tell a computer to do something? Of course, when a device can watch us and interpret our movements and commands effectively it essentially gives computers the illusion of humanity. That’s the illusion Rolston apparently is trying to create.

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

Today, your iPhone is a gadget, a mere consumer appliance. But your future iPhone will become increasingly human. You’ll have conversations with it. The phone will make decisions, prioritize the information it presents to you, and take action on your behalf — rescheduling meetings, buying movie tickets, making reservations and much more.

In short, your iPhone is evolving into a personal assistant that thinks, learns and acts. And it’s all happening sooner than you think,

Ultimately, however, human beings are hard-wired to communicate with other people, not computers. And that’s why the direction of interface design is always heading for the creation of artificial humans.

Facebook is now getting even more personal, announcing that starting late Tuesday it will begin calibrating how it presents its News Feed feature

The company says the new News Feed is made to “act more like your own personal newspaper”

presenting the most interesting news that has been published since the last time a user signed in

EnOcean’s sensors are the latest in a wave of increasingly connected and intelligent objects that some people have termed “the internet of things.” British microprocessor giant Arm Holdings, for example, has bolstered this development with its mbed project, which gives engineers a cheap toolkit to work on a microcontroller, and the encouragement to come up with novel ways to connect them to other (often unconventional) objects. Other companies, like EnOcean and semiconductor maker Atheros, are focused on developing low-cost, low-consumption devices that can operate on wireless networks. Pressing an EnOcean switch to turn a light on generates enough energy to send out a wireless signal, which enables communication between the switch and a wireless receiver up to nearly 100 feet away. Until recently, EnOcean sensors were only communicating amongst themselves and a specific wireless receiver within range. Now, with TCP/IP enabled communication, any computer hooked up to the internet can communicate with the sensors.

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.

In a matter of hours, Facebook is going to host f8, its annual developer conference.

My sources are telling me that the company is going to make some sort of announcement around NFC technologies at the event as well.

The Places product will have some NFC elements built into them, and the social network is working closely with some hardware vendors.

It conjectured the use of NFC (Near Field Communication) and how it could benefit brands, their awareness and message all through social media.

The hypothesis that brands can utilise NFC technology within their stores, which may further enhance their brand message with brand awareness, along with social media tie-ins with NFC technology should be taken seriously.

There’s already an associated cost with print labels, which uniquely identify a product, so the respective costs associated with reproducing the same product with an NFC tag should be negligible, right?

Should enterprise applications be as addictive as Angry Birds? A true believer in gamification would say yes, if you want people to actually use them.

[Social media is a powerful tool to connect with customers, but it can create big problems for your company if it's not done right. Learn more at 10 Social Networking Don'ts.]

Most of all, gamificiation is about understanding that "if you can make something more fun, and include notions of play, you can get people to do things they otherwise might not want to do."

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.

The Lab’s first game went live this week, called Ball Invasion (here’s a link on iTunes). It’s a shooter in which the world around you becomes a canvas for playing: hold your iPad 2 in front of you, and it becomes a window on a world that fills with targets that you can chase and shoot. The game’s fun enough, but really the excitement is all about the technology. While you’ve no doubt seen augmented reality before, the difference here is 13th Lab is using a complex computer vision technique known as SLAM — that’s Simultaneous Localization and Mapping. This is a system developed in part by NASA for use in robotics, which allows an object (like, say, a drone) to look around, build up a picture of the world and then understand where it is.

Imagine getting points in an online game each time you drink more water, floss your teeth or take a step toward some other healthy lifestyle goal. That's the promise of Green Goose, a company that uses tiny sensors and accelerometers on stickers or credit cards to track everyday behavior and record it online.

Two members of the panel of investor judges put $100,000 into the startup on the spot while the company was still on stage. A third, Bill Warner, had already invested. "It's amazing and there's so much more you haven't even heard," he said about the company.

All thanks to a simple sticker or other attachable sensor. It's the simplest and most pleasing example we've seen yet of the widely anticipated trend called The Internet of Things.