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MasterCard tests NFC payments at movie theaters - Payments - Mobile Commerce Daily - 0 views

  • The technology is run through an application call QkR that users can download for iPhone or Android devices. Australian movie chain Hoyts is being used for the test program.
  • “MasterCard is constantly looking for ways to improve the consumer payment experience by making life easier, and initiatives such as QkR have been developed for these reasons,” said Matt Barr, head of market development and innovation at MasterCard Australia, Purchase, NY.
  • “Hoyts decided to partner with MasterCard for this pilot because they recognize the benefits of innovative payment applications in enhancing the overall cinema experience for moviegoers,” he said.
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  • Consumers who visit premier Hoyts-operated cinemas in Australia can pay for items while in their seats by scanning a mobile bar code. Each seat in the theater has a mobile bar code placed on the arm rest. To pay for an item, users open the app on their phones and scan the QR code. They can then select food and drink items to buy and have it sent to them at their seats. Moviegoers can also enter a six-digit code located above the mobile bar code to activate the app or tap a NFC-enabled smartphone over the arm rest to pay. Users who pay via the QkR app must link their MasterCard accounts by entering their information into the app.
  • The new NFC initiative is part of MasterCard Lab’s work that is focusing on ramping up the company’s work with mobile payments.
  • “Australian consumers are renowned for their love of innovation technologies, which is why MasterCard selected this market for the pilot,” Mr. Barr said.
  • Payment war With similar mobile wallet initiatives from Google and PayPal, the mobile payment space is expected to heat up in 2012.
  • However, MasterCard is playing a unique card in mobile payments by bringing mobile bar codes and apps into play.
  • PayPal’s new mobile point-of-sale solution is also slated to gain traction this year with big box retailers Home Depot and Office Depot rolling it out to stores (see story).
  • One of the challenges technologies such as Google Wallet have struggled with is that it is only available on Sprint Nexus S 4G mobile phones, which leaves out a majority of the mobile phone industry.
  • Since the QkR app is available on iPhone and Android devices, the app hits a majority of the smartphone market.
  • MasterCard is running an NFC pilot program at movie theaters in Australia that lets consumers pay for food and drink items via their mobile devices.
  • For MasterCard, one of the biggest hurdles will be educating both consumers and companies about the technology, but the initiative is proof that the payment company is placing big bets on mobile payments.
  • “MasterCard is consistently striving to deliver the next generation in payments,” Mr. Barr said. “Specifically in this pilot, mobile payments and making life easier by enhancing the in cinema experience,” he said.
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Business : Digital payments popularity rising - 0 views

  • DUBAI — Digital contactless payment has become more popular among UAE travellers as they prefer to make payments and seek information in a visual format on a device, according to a latest global industry study.
  • Around 32 per cent of UAE respondents find using their phone rather than cash or credit cards to pay for things “extremely appealing” as against 24 per cent globally, revealed a major global industry study “From chaos to collaboration: How transformative technologies will herald a new era in travel”.
  • Commissioned by Amadeus, a travel technology partner and transaction processor for the global travel and tourism industry, the new report outlines the way new technologies and social change will transform travel by 2020. The study challenges the industry to overcome the uncertainty and stress of modern-day travel through the application of new innovations.
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  • High mobile penetration in the UAE is cited as a key reason for travellers’ readiness to use mobile applications and devices at payment points. Statistics show that the UAE is expected to lead with 100 per cent mobile broadband penetration in 2012 while the mobile market penetration has already crossed 200 per cent.
  • “Traveller needs are definitely seeing a dramatic change in the UAE with customers preferring advanced mobile applications and devices to conduct transactions. This reflects evolving changes in consumer lifestyle and travel requirements. The travel sector is also beginning to realise that the world is changing and travellers will increasingly expect intelligent information exchange,” said Humayun Baig, Amadeus’ regional market manager in charge of the UAE, Oman and Bahrain. Based on extensive research and input from key industry experts, the study explores six key areas in which future technology and innovation could be deployed
  • According to the study, developed by leading global foresight and futures consultancy The Futures Company, factors such as augmented reality, gamification, intelligent passenger records, long range biometrics and the rise of the wellbeing agenda will drive change in the next decade and beyond, heralding a new era of industry and global travel collaboration.
  • Amadeus’s global report highlighted that travellers in the UAE prefer making payments via mobile rather than using cash or credit card. More than 90 per cent of the UAE respondents found mobile payments “somewhat appealing” as opposed to 78 per cent of the respondents among the other countries surveyed.
  • The study also revealed that 94 per cent of the UAE respondents preferred using visual applications that reflect the physical world on the mobile device. Augmented reality, which is a virtual view on the real world, is experienced in applications such as games, location apps and business cards. Other findings in the study reveal that 56 per cent of UAE respondents cited having a strict boundary between work and personal life, while 66 per cent of Emirati respondents stressed the importance of being reachable and available at all times, much more than the total response rate of 48 per cent.
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Nokia announces Near Field Communication products - 0 views

  • 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.
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  • The first mobile phone to work with the new Nokia NFC is the Nokia 3220 (pictured), a tri-band camera phone that is available in two versions: a GSM 900/1800/1900 primarily for the European and Asian markets, and a GSM 850/1800/1900 primarily for the Americas. The Nokia NFC shell is a functional cover developed for the Nokia 3220 phone. The Nokia NFC shell with four tags will be available during the first quarter of 2005 in Europe, and during the second quarter 2005 in the Americas and Asia.
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Visa, Philips team to promote 'contactless' credit card - 0 views

  • Visa, Philips team to promote 'contactless' credit card PARIS — Visa International and Royal Philips Electronics have unveiled an exclusive partnership agreement under which the two companies will jointly develop and promote the application of contactless chip technology for payment transactions.
  • Visa, Philips team to promote 'contactless' credit card PARIS — Visa International and Royal Philips Electronics have unveiled an exclusive partnership agreement under which the two companies will jointly develop and promote the application of contactless chip technology for payment transactions.
  • Visa, Philips team to promote 'contactless' credit card PARIS — Visa International and Royal Philips Electronics have unveiled an exclusive partnership agreement under which the two companies will jointly develop and promote the application of contactless chip technology for payment transactions.
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  • Visa, Philips team to promote 'contactless' credit card PARIS — Visa International and Royal Philips Electronics have unveiled an exclusive partnership agreement under which the two companies will jointly develop and promote the application of contactless chip technology for payment transactions.
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Visual Information Retrieval: the Next challenge in Information Management - ERM Expert... - 0 views

  • In the past 20 years, a lot of research has been done towards visual information retrieval on pictures and video files. Not all of it has been successful. But on the last years, the quality of these visual search engines has reached levels that are beginning to be acceptable for eDiscovery, compliance, law enforcement and intelligence applications.
  • More and more electronically stored information (ESI) is non-text based or does not contain any searchable text components: sound recordings, video and pictures are growing exponentially in size and more and more collaborative and social network applications support (only) these information formats.
  • In addition, a whole generation is growing up that no longer uses written communication forms such as letters or emails: they only use social networks and other new media forms for communication and collaboration.
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  • Electronic files containing one of more text components or embedded objects with text components can be searched by using text-based queries.
  • Document scans (images) and even pictures can be enriched with the text of the original document or even with recognizable logo’s in the pictures. The same technology can also be applied to video shots.
  • Audio and the audio component of a video file can be processed by a phonetic search engine and users can search the content by looking for specific words or phoneme sequences.
  • In addition, audio-, pictures- and video files can be searched on contextual information such as the file name, added meta-information or text that surrounds the picture or the video on a web page.
  • Web search engines such as Google, Bing and Yahoo use primarily contextual text information from pictures and video’s to search on these object. This text can be tagged by users or can be found in the file name, file location, surrounding text on the webpage, etc. In some cases, words that are recognized in the images and videos with Optical Character Recognition (OCR) technology is used, or nudity is recognized and filtered, but that is about it. There is not or limited influence from pure visual information retrieval technology such as: give me all outdoor pictures or all images with a helicopter in it.
  • State-of-the-art visual search technology should address all of these aspects and support both text-based as image or video example based querying, result navigation and viewing.
  • Ranking images is based on complex statistics and other mathematical properties that are not always intuitive to humans.  Users need a much more exploratory and visual result list that uses all available dimensions when searching images and videos.
  • There are many use cases in the field of visual information retrieval varying from searching pictures on the internet to recognizing faces of hooligans at the entrance of a high risk football match, monitoring airports with surveillance cameras and investigating child abuse.
  • Many of these applications are highly specialized applications requiring a lot of specialized knowledge and experience to work effectively.
  • However, I expect that in the next year or five, real visual information retrieval will become a core component of in-house Enterprise Information Management systems as more and more information consists of pictures and videos that are not annotated and therefore hard to find.
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NFC Mobile Advertising Startup Tapit Raises Seed Funding | TechCrunch [29Aug11] - 0 views

  • Tapit is a new mobile advertising startup, founded in March 2011, that enables content sharing and offer delivery simply by tapping an NFC-enabled phone anywhere the Tapit logo can be found.
  • The company has now raised a seed funding round from Sydney Angels in record time – just 22 days from the pitch until the round was subscribed for. This is the fastest investment to date for Sydney Angels, the not-for-profit membership organization for angels which typically invests in Sydney-based startups.
  • NFC (near field communication), a short-range wireless technology, is often associated with mobile payments and mobile wallets these days, as a new way to enable purchases at point-of-sale. But that’s only one of the many possible use cases for the technology, which can also support things like sharing files and media between devices, advertising, ticketless transactions and more. It can even be used to perform actions like those found in NTT DOCOMO’s nifty “tap to follow” offering that lets two Twitter users follow each other simply by tapping phones.
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  • With Tapit, however, the idea is to leverage NFC for use in marketing campaigns by working with agencies, brands, handset manufacturers and carriers. Its marketing services include mobile commerce, coupon distribution, ticketing, surveys and reviews, content delivery, competitions and social community building (e.g. tap here to “like” us on Facebook or follow us on Twitter).
  • Says Tapit CEO Jamie Conyngham, “the speed in which this round was closed is an endorsement of the Tapit team and the business models we have created around our unique NFC enabled technology. Everyone we meet loves the idea of Tapit, it’s addictive.”
  • NFC, indeed, would be a step up from the now-ubiquitous barcode scanning technology, which involves using smartphone apps to scan QR codes via the phone’s camera. Unfortunately, NFC generally requires an accompanying chip built into the phone itself. Due to this requirement, it’s currently being held back by the limited availability of supported handsets.
  • Still, analysts are bullish on NFC’s future, with ABI predicting over 35 million supported handsets by 2012 and Frost & Sullivan estimating around 868 million by 2015.
  • Terms of Tapit’s seed investment were not disclosed, but the Sydney Angels Sidecar Fund typically invests between $100K – $500K in its portfolio companies.
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45 mobile operators announce support for SIM-based NFC [24Nov11] - 0 views

  • 45 mobile operators have pledged their support for subscriber identity module (SIM) based Near Field Communication (NFC) implementations in an announcement made by mobile industry trade body the GSM Association (GSMA).
  • The large existing user-base of low-cost, mid-tier, NFC-less feature phones popular in emerging markets is a prime target for this technology. However, technical difficulties have prevented the adoption of SIM-based NFC. As the SIM card slot is located behind the battery, radio signals to and from the NFC module are effectively blocked in many phones.
  • Potential applications for this technology include mobile payments, public transit access, event ticketing, secure access to buildings or vehicles, identification, and person-to-person (P2P) data sharing.
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  • The GSMA has published interoperability standards for SIM-based NFC application programming interfaces (APIs) and protocols based on the Pay-Buy-Mobile specification for secure NFC mobile payments. Such standards pave the way for the development of contactless services across a variety of devices irrespective of their operating system (OS) while providing more detailed implementation protocols for the Java and Android platforms.
  • IHS Screen Digest research indicates that the 45 operators involved in the announcement serve 50.7 per cent of the world's mobile subscriptions. Since the NFC module is embedded in the SIM card, the operators expect users to be able to use existing handsets for contactless services without the need to switch to a high-end smartphone. Users of smartphones currently lacking NFC capabilities will also benefit from this technology.
  • The 45 operators involved account for nearly 3 billion subscriptions worldwide, and include China Mobile, Vodafone Group, América Móvil, Telefónica Group, China Unicom, Axiata, Bharti Airtel, Deutsche Telekom, Verizon Wireless, and AT&T.
  • There is also the issue of cost. IHS Screen Digest estimates current SIM-based NFC modules to be a hundred times more expensive than traditional SIM cards. This would deter most operators from venturing into offering SIM-based NFC as an option to customers in emerging economies until economies of scale bring the associated costs down.
  • It is unlikely that operators will allow third-party "over-the-top" services outside of their value chain. As the implementation of some contactless services (e.g. mobile payments, public transit) depends on a close collaboration between operators and local third-parties, it is expectable that contactless services deployments and uptake will vary greatly across markets.
  • IHS Screen Digest does not foresee rapid adoption of SIM-based NFC mobile payments. Users will likely become acquainted with the contactless technology by way of other use-cases, as NFC experiences in Asia and Europe suggest--most notably the Octopus transit and stored-value card in Hong Kong, and the London Oyster transit card.
  • If NFC payment and transit cards schemes prove successful in more locations, the likelihood that such services will be increasingly incorporated into mobile devices will also increase.
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Acer plans to launch mobile paying smartphones next year - Taiwan News Online [24Nov11] - 0 views

  • Taiwan's Acer Inc. plans to launch smartphones with near field communication (NFC) technology, which will allow users to make remote bill payments and contactless payments for retail and public transport, a company manager said Thursday.
  • "Telecom operators have forecast that NFC technology will become critical for smartphones next year, and I think other cellphone makers will also regard this technology as a default function on their products by that time," said Vincent Chen, product manager of Acer's telecom business department.
  • The current Mango operating system does not support NFC technology, but the next release of the Windows mobile platform -- Windows 8 -- is likely to feature the function, Chen said.
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  • However, he noted that Taiwan's market environment is not yet mature enough to sell NFC-enabled smartphones because the rules for payment are yet to be established.
  • "The five major operators in Taiwan are just beginning to talk about related issues, including how to build a cash flow platform and what kind of services to launch," he said. "There are still some uncertainties that will remain until next year."
  • Acer plans to sell 4,000 to 5,000 of the Allegro phones in Taiwan during the next two months, as the Lunar New Year is approaching and is expected to boost electronics sales, said Peter Shieh, vice president of the corporate account business division for Acer's Taiwan operations
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Why Twitter's Oral Culture Irritates Bill Keller (and why this is an important issue) [... - 0 views

  • Bill Keller of the New York Times has just written a provocative piece lamenting that new technologies are eroding essential human characteristics. I would certainly agree that almost all technologies, especially those with a cognitive element, transform the way we organize, value and manage our intellectual and social lives–-indeed, such complaints were raised, most famously by Plato about how writing was emptying words of their soul by disconnecting them from their living speakers. However, Keller makes not one but at least three distinct claims in his piece. I want to primarily discuss the one that he makes least explicitly and perhaps has never formulated directly himself.
  • first, let’s clarify the other two which are explicit.
  • here are the parts of Keller’s comments which have intrigued me
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  • Second, Keller argues that “there is something decidedly faux about the camaraderie of Facebook, something illusory about the connectedness of Twitter.” This line of argument, that our social ties are being hollowed out by digital sociality, is also fairly common. I’d like to start by saying that it is not supported by empirical research.
  • Increasing numbers of people even make connections online which then they turn into offline connections (See Wang and Wellman, for example), so that even actual “virtual” connections –which I have just argued are less common—are valuable for many communities who otherwise do not have abundant peers around them, say cancer patients or gay youth in small towns.
  • First Keller talks about how we no longer need to remember everything and how his father used to use a slide rule and now there are calculators and who knows their multiplication table anymore… This is a familiar argument from cognitive replacement and I believe it is worth discussing not necessarily because there is something inherently wrong with machines making certain cognitive tasks easier, but I do deeply worry about what this means for valuing humans. Cheaper computers increasingly capable of taking over human tasks means that we face a profound human problem: how will we deal with the billions of people who will be potentially redundant if the only way of measuring a human’s worth is their price on the labor market? For me, this is an important political question rather than a technological lament. It’s not about what machines can do, it’s about the criteria by which we judge the worth of our fellow human beings, and how advances information technology increasingly leads us to devalue each other
  • If the latter were the case, his ire would be more about Google; instead, most of his frustration is directed against social media, and mostly Twitter, the most conversational, and thus most oral of these mediums.
  • The shortcomings of social media would not bother me awfully if I did not suspect that Facebook friendship and Twitter chatter are displacing real rapport and real conversation, just as Gutenberg’s device displaced remembering. The things we may be unlearning, tweet by tweet — complexity, acuity, patience, wisdom, intimacy — are things that matter.
  • Then along came the Mark Zuckerberg of his day, Johannes Gutenberg.
  • But this comparison between Gutenberg and Zuckerberg makes little sense unless you realize that Keller is actually trying to complain about the reemergence of oral psychodynamics in the public sphere rather than about memory falling out of favor.
  • My mistrust of social media is intensified by the ephemeral nature of these communications. They are the epitome of in-one-ear-and-out-the-other, which was my mother’s trope for a failure to connect.
  • The key to understanding this is that while writing did displace the value of memory, the vast abundance of printed material it did something else also, something less remarked upon, both to the shape of our public sphere and also to our psychodynamics. It replaced the natural, visceral human oral psychodynamics with those of literate and written ones
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Scientists push to implement edible RFID tracking chips in food [03Jun11] - 0 views

  • these are some of the enticing claims made by the developers of a new system that embeds edible radio frequency identification (RFID) chips directly into food. Its creators insist the technology will revolutionize the way humans eat for the better, but critical-thinking onlookers will recognize the ploy as just another way to track and control human behavior.
  • Developed by Hannes Harms from the Royal College of Art in London, the “NutriSmart” system is based on the idea that RFID wafers injected directly into food can help better track the food supply chain, further automate the supermarket shopping experience, and simplify the eating experience by programming data into food so that humans essentially do not have to think about what they are doing.The technology makes both eating and dealing with food in general mindless, as a person simply needs to plop an RFID-embedded food item onto a special RFID-laced plate, which then tells the person all about the item and how much of it to eat. RFID ovens and microwaves also eliminate having to think about how long to cook an RFID food item — simply put it in the RFID microwave, oven, or toaster, and the machine will know exactly how long to cook the item.
  • mad scientists have already developed edible RFID tags for use in pharmaceutical drugs
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  • (http://www.naturalnews.com/028663_health_care_technology.html)
  • if such technology also ends up in food, it is safe to assume that evil powers will seek to control the food supply with it, as well as monitor the types of food people eat.
  • it is plausible that RFID technology can assess illegal intake of such nutrients, and immediately send this data to the appropriate enforcement agencies.
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Manufacturing and the "Internet of Things" [01Oct11] - 0 views

  • “There’s been an ‘intranet of things’ in manufacturing for years now,” says Tony Paine, president of Kepware (www.kepware.com), a technology company in Yarmouth, Maine that develops communication and interoperability software for the automation industry. Explaining his statement, Paine points to the growing use of preventative and condition-based monitoring that are widely accepted, if not always implemented, by most manufacturers.
  • “This is not just about connecting smart devices, this is about modeling all the things in your manufacturing world so that it’s easy to remix them in new ways to build new applications,” says Russ Fadel, chief executive officer of Thingworx (www.thingworx.com), a two-year-old company located in Exton, Pa. The company combines the key functionality of real-time data, mashups, search, social media and the semantic web, and applies it to any process that involves people, systems, devices and other real world “things.”
  • “That kind of automated, connected response could save you, say, 3 percent on your utility bill,” Fadel says. “The ability to remix people and systems to interact with radical equality—this will be the source of some unexpected innovation. For manufacturers, the Internet of Things is not just about connecting your car to your alarm clock, it’s about creating a competitive advantage.”
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  • “Cellular wasn’t that popular a year and a half ago,” says Killian, “but that’s changed a lot with utilities and water/wastewater, in particular. Cellular technology is enabling users to monitor things that weren’t easily monitored in the past. On the wired side of things, I’ve heard of water districts wanting to run cable networks because Comcast can drop in broadband. So now they want hardened routers so they can run wired or wireless—and this is from guys who just recently were using dial-up 9600-baud modems. But with the access they now have to 3G, they’re getting onboard with what they can do with it. New technologies tend to force the use of better networking technologies.”
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Increasing Brand Awareness with NFC Technology and Social Media | Social Media Today [2... - 0 views

  • 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?
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  • A tag is a mechanism from which information can be wirelessly shared; in the same way a QR code can be read by a scanner (NFC reader). 
  • In some stores there will be a combination of tags and tag readers – the Smartphone will contain a tag/reader combination, as it is capable of sharing information, so that a store can retrieve your name, contact information and so on (with your permission) and likewise you can read information from a tag
  • At the backend of the NFC application, there may be several other applications supported by a web-portal or, in fact, a link through to a social media platform – ‘Likes’ a ‘retweet’; ‘+1’ and so on.  Of course, adoption will be slow at first and there will also be the early adopters which, in turn, will fuel the greater purchasing community. 
  • The brand tie-ins are potentially large.
  • With social media alone, brands can (and should) develop a dialogue with their consumers, which could well be further compounded by NFC supporting an ecosystem where consumers can begin to resurrect that loyalty spirit. 
  • NFC has the potential of creating a lively and dynamic market community sharing experiences and purchases with the wider community all enjoyed through social media.
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Connect the nation (2) [20Sep11] - 0 views

  • Linking the data together is proving to be one of the sticking points for the Internet of things, according to Maurizio Pilu, lead technologist at the UK government’s Technology Strategy Board (TSB). The TSB recently held an over-subscribed workshop to discuss the possibilities and challenges facing the ‘Internet of things’. “The feeling was that applications and services that could make money, and that could change our lives, are not emerging fast enough,” explains Pilu. “And one of the main reasons is that data produced by ‘things’ is not interoperable, due to the fragmentation of the industry.”
  • Maurizio Pilu believes the UK has three strong advantages when it comes to the Internet of things. “We have world-class communications technology research base; we are strong at data analytics; and we are an early adopter of technologies like this,” he says.
  • “But there is one big disadvantage,” he says. “This stuff costs money, and like other countries, the UK is going through a period of cautious investment decisions.”
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  • However, Pilu also remarks that China’s approach to the technology is different. “They see this as a big IT system which they install in a given city, with a huge control room where you can see everything,” he says. “That’s a very expensive approach, and it’s also very rigid.” “In the UK however, these big ticket investments are out of the question, so we have to be agile, work together, form relationships, prototype projects and fail quickly.”
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Finextra: CommBank makes NFC play with Kaching [25Oct11] - 0 views

  • Commonwealth Bank of Australia has unveiled Kaching, a mobile phone application and case capable of conducting NFC-based, e-mail P2P, and Facebook payments from a single handheld device.
  • Depending on the format selected for payment, the transaction will either take place instantly, or generate a unique code for delivery to the recipient, allowing them to access their payment online at a convenient time.
  • David Lindberg, executive general manager cards, payments and retail strategy says: "The recent explosion in uptake of digital and smartphone technology has revolutionised how we all transact, interact and communicate with each other, and this new application will make the dream of mobile payments a reality."
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  • Once the customer has selected an account to both receive and make payments from, Commbank Kaching will enable them to pay anyone via MasterCard PayPass, an email address, phone number or Facebook friendship.
  • Commbank Kaching combines peer-to-peer payments via the phone's contacts and email addresses, and 'social payments' via a user's Facebook friends along with NFC contactless technology.
  • Users wishing to activate the NFC functionality will need to use an iCarte cover - billed as an interim technology by the bank - which is available for purchase during the app installation process.
  • "Mobile and online social payment is the next step in transaction technology," says Lindberg.
  • Now, for the first time, Australian consumers will no longer have to rely on cash or cards to make payments to family, friends or even businesses.
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Teenagers would rather lose TV than internet or mobile - survey [25Oct11] - 0 views

  • Young British teenagers would be less worried at being deprived of television than losing access to the internet or their mobile phones, as attachment to the medium slides among the young, according to new research from Ofcom.
  • On average, they watch 17 hours 37 minutes per week, up from 15 hours 37 minutes in 2007.Internet use has also become pervasive, with 95% of 12- to 15-year-olds having internet access at home through a computer. But the research by the communications watchdog also points to a "digital divide", in which only 80% of children in lower socioeconomic groups have access to the internet at home, compared to 98% in the richest ones.
  • The annual survey was carried out in spring with 1,717 in-home interviews, and focused on attitudes to communications technology by parents and children. It found that 28% of children aged 12 to 15 said they would most miss their mobile, and 25% would most miss the internet if deprived of them – compared to only 18% citing television. A year ago mobile was the most desired, while TV was level-pegging with the internet at 24%.
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  • "The research also shows that parents and children are increasingly aware of how to be safe when using the internet," said Ofcom's Richards. "But risks do remain. Better understanding – amongst parents as well as their children – is the key to helping people to manage content and communications, enabling them to enjoy the benefits of media use while protecting themselves from the potential risks."
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Top 7 Mobile Commerce Trends in 2011 - 0 views

  • 1. Just Gimme My Mobile Wallet, Man There are a lot of deviations of a mobile wallet, and everyone does it differently. Essentially, the mobile wallet is exactly what it sounds like: A service that stores everything you would normally put in a physical wallet, including debit and credit cards, coupons and loyalty cards, in a mobile wallet. Not all wallets store data on the phone itself; SCVNGR's LevelUp and PayPal, for example, store data in the cloud. Your mobile wallet arrives empty, just like an wallet. You decide what goes in it. Google's mobile wallet works off of an NFC chip called the Secure Element, which acts like a secure wallet and differentiates this product from being just an app. It's also separate from the phone's main operating system and hardware.
  • Google launched its Wallet program in late May. The official launch (yes, a beta) happened in September. Google chose MasterCard as its official partner in the realm of mobile payments using near-field communications (NFC). At the time of launch, Nexus S 4G on Sprint with Citibank and payment network MasterCard was the only phone compatible with Google Wallet. The industry is preparing for Wallet, but the consumer side isn't quite there yet. In September, however, Visa also signed a licensing deal to include credit and debit cards in Google's Wallet program. MasterCard's has begun its shift toward technology innovator thanks to its new partnership and investment with mFoundry. This solidifies MasterCard's commitment to the field of mobile payments. PayPal has a slightly different vision for its mobile wallet. With a wallet in the cloud, consumers can select a payment instrument (credit card, debit card, bank account) and then use any Internet-connected device to enable that purchase. Really, PayPal wants to be technology agnostic, meaning that its mobile wallet should work on any device regardless of the operating system. In mid-November, PayPal unleashed its mobile wallet that features a card and a smartphone app that lets consumers store credit cards, gift cards, frequent flier miles and more. Speaking of mobile wallets, whatever happened to Apple's iWallet? NFC never did come to the iPhone4S.
  • 2. Where NFCs Will Go, Few Do Know NFC (near field communication) enables the exchange of data between devices (typically, mobile devices) that are in close proximity to each other. NFC devices are used for more than just payments, though - they can be the link between real world actions and consumer-facing or back office systems. While card issuers love NFC options, they would force payment processors to radically redesign. Are consumers ready to trade in the swipe of a credit card for the tap of an NFC-enabled device? NFC may never be widely used as a form of payments, writes RWW mobile expert Dan Rowinski. While the technology around NFC is ready and being widely adapted within the industry, the actual infrastructure is not there yet. But the NFC hype is here. Since Google's Beta Wallet launch in September, it has partnered with Mastercard, CitiBank, Sprint, FirstData, Verifone, VivoTech (NFC partner), Hypercom, Igenico and NXP (NFC partner). On the opposing end, NFC mobile payment solution ISIS is poised to attack Google's Wallet; it recently partnered with Verizon, T-Mobile and AT&T.
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  • In 2012, there will be more NFC-enabled Android devices. For now, only the Samsung Nexus S and a few others have mobile wallet capabilities. Lest we forget PayPal, it is important to note that it recently launched an Android app that allows for money transfer via NFC. 3. Carrier Billing Is Alive And Kicking Carrier billing allows users to pay for apps on their mobile phone bill instead of using a credit card or a third-party mobile payments service to pay at the time of purchase. This payments system is moving right along. In April, Spring joined T-Mobile and AT&T to support carrier billing in the Android Market. Mobile payments company BOKU went live for Android app developers in June. It began offering carrier billing on 230 operators in 56 countries worldwide. eBay purchased mobile payments company Zong in July, and integrated it into PayPal. Zong allows users to make mobile purchases through carrier billing. PaymentOne, another leader in carrier billing, lets users pay with their phone numbers, and validates transactions via text.
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16 predictions for mobile in 2012 - Mobile Technology News - 0 views

  • Wearable computing becomes the next mobile frontier.
  • We’ll remotely connect to our smart homes.
  • A jump in wireless home broadband adoption.
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  • Windows Phone usage grows, but slower than expected.
  • The patent wars worsen.
  • Research In Motion will no longer exist as we know it today.
  • Nokia uses Symbian as a backup plan (but doesn’t call it Symbian).
  • Windows tablets in 2012 will sell like Android tablets did in 2011.
  • Dual-core devices will outsell quad-core devices.
  • Apple’s next iPhone will be the iPhone 4GS.
  • There will be an iPad Pro available in 2012.
  • Google will split off Motorola not long after its purchase goes though.
  • Android’s momentum will continue thanks to Android 4.0.
  • Hybrid apps with HTML5 will be the norm.
  • Intel will announce that 2013 is the year it really gets into the mobile market.
  • We’ll see a smaller Kinect in 2012, with expectations that such technology fits in a mobile device the following year.
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PayPal'​s Don Kingsborough: in-store payment is ours to lose - 0 views

  • Don Kingsborough could have called it quits. The man who founded Worlds of Wonder Toys, famous for Teddy Ruxpin and helping lead the introduction of Nintendo in the U.S., and the former president of of consumer products at Atari, was just winding down his time last year at Blackhawk Network, a pre-paid card company that he had sold to supermarket Safeway. With his options expiring, he decided to sell and contemplated retirement.
  • But then PayPal came calling, and Kingsborough couldn’t resist the opportunity to make one more big stab at shaking up the retail world. Kingsborough joined PayPal in March 2011 as VP for retail and prepaid products, heading up PayPal’s efforts to launch an in-store payment system.
  • In his first extensive interview since joining PayPal, Kingsborough said he wasn’t just interested in extending his career; he saw a huge chance to fundamentally change the way people shopped in retail stores as digitalization moved payments beyond cash and credit. And he believes that PayPal is uniquely positioned to bring that vision to market.
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  • “I thought someone would be able to change the way people shop, but I didn’t think it would be a startup because this will happen quickly and you also need brands that people trust. And PayPal is one of them. It takes the combination of a trusted payment company and the cooperation with great brands that people trust to change how people shop. I thought I would be able to convince all the major retailers all around the world because I have had  relationships with them for 30 years,” Kingsborough said.
  • Even with the departure of PayPal’s president Scott Thompson, who is now Yahoo’s new CEO, PayPal hasn’t missed a beat and is executing on its vision, Kingsborough said.
  • Solving consumer and merchants needs Kingsborough came in and honed the in-store payment initiative, which was underway well before Kingborough arrived. He focused on appealing first to consumers and making it simple for them to grasp, before ensuring the merchants could be able to understand the value of the system. Then he went about getting the cooperation of merchants, criss-crossing the country to call upon retailers and payment infrastructure companies to get them on board. Along the way, he helped PayPal pick up necessary components like location-based service WHERE, whose CEO Walt Doyle was personally persuaded to sell by Kingsborough. The plan is now to start rolling out the payment system in the second quarter though the first U.S. trials have already begun with Home Depot.
  • Kingsborough said he was drawn to PayPal’s approach to payments because it was aimed at solving deep consumer and merchant needs. He said competitors who focus on near field communication and other alternative payment systems are too often preoccupied with the capabilities of their technology, but they’re not addressing the pressing needs of users.
  • “Competitors think they’ll solve how easy it is to pay at retail, but that’s not a consumer problem. Their problem is how do they become masters of shopping and use their money smartly and organize their efforts to shop online, in-store and on mobile,” said Kingsborough. “We have a holistic approach. We ask the consumers [what they] want to do. They want to save money, save time and feel important in stores.”
  • NFC: a feature, not a solution That’s partly why he thinks NFC in particular isn’t ready for prime time. He said it’s going to take a while for it to proliferate in stores and on handsets. But more fundamentally, it doesn’t make consumer’s lives better.
  • “Do I think NFC will work someday? Maybe. But to me, NFC is a feature, not a solution that solves problems. If your strategy is NFC today, you need a new strategy,” Kingsborough.
  • Google and Isis, the carrier consortium including Verizon, AT&T and T-Mobile, are pushing hard on NFC and are angling to become the go-to mobile wallet for users, who will be able to pay at point-of-sale terminals with a tap of their phone. Many of the pieces for NFC fell into place for the technology in 2011, though there are still many hurdles ahead toward a broad rollout (subscription required) and mass consumer adoption.
  • PayPal’s approach bypasses many of the hardware constraints of NFC and pushes a two-pronged approach to in-store payments. Users can either use a PayPal Access card connected to their account, or more intriguingly, enter their phone number and PIN at a POS terminal and access their PayPal account. PayPal takes a user’s identification and turns it into a token, which is authenticated in the cloud, so no actual credit card numbers or financial data travels back and forth.
  • What it takes to win Kingsborough said the companies that win will be comprehensive and ubiquitous, allowing consumers to conduct transactions wherever they want to. By going with a software-based approach, PayPal can address about 8.2 million of the 10 million point of sale terminals with its payment system, without forcing retailers to buy new hardware. Then it’s up to PayPal to convince retailers to jump on board. It’s doing some critical work by signing deals with payment infrastructure companies like AJB Software Designs, which helps connect the point of sale terminals at many tier-one retailers to payment processors and financial institutions. Merchants that use AJB will have an easy path in enabling PayPal payments in store. PayPal is talking to other point of sale companies such as Verifone.
  • Merchants won’t just be getting a potentially cheaper alternative to credit cards. In PayPal’s vision, they’ll also be getting a way to push out offers to consumers, both in-store and nearby. Kingsborough said PayPal is working through its mobile app to address a variety of needs of merchants, from helping them manage online, mobile and in-store sales to improving loyalty and offering targeted discounts to users. Those additional tools will be rolled out over time in the next year or two. Google has outlined early plans to also provide coupons and offers to consumers using Google Offers in conjunction with Google Wallet.
  • Providing value But the other important winning determinant will be providing valuable, relevant and easy-to-use services to consumers, becoming the one mobile wallet they turn to, said Kingsborough. He said using tools like WHERE’s targeting and location technology will allow merchants to not just push out deals but deliver very context-aware content. For example, he said a clothes retailers might be able to message a nearby customer, letting them know they’ll earn $5 in their PayPal account that day if they buy jeans that they’ve purchased in the past. And, with the right permissions, the merchant may also be able to know the customer is with two friends and offer a group discount.
  • “It’s not just the capabilities of location-based services or understanding what a person just did; but it’s about being highly relevant to the person using the services,” Kingsborough said
  • He said in the battle to become the preferred digital wallet, PayPal will be the simplest for people to use, allowing people to link their credit, debit and loyalty cards, even potentially their drivers license. Just as people stick primarily to one browser, he said consumers will want to rely on primarily one wallet and he believes that PayPal will be that provider.
  • “Ours to lose” Kingsborough said it’s the whole offering that makes PayPal’s approach a winner. It’s a trusted name with more than 100 million users worldwide and it’s focused on providing value to both consumers and merchants with an easy path to ubiquity. “This is ours to lose,” he said. “I’m very confident about that. Otherwise, I’d be golfing right now in Hawaii.”
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AmEx Puts $125M In And Partners With Chinese Mobile Payments Company Lianlian To Licens... - 0 views

  • American Express is making a significant move in the expansion of its digital wallet, Serve to international markets today. The credit card company is announcing the first global partnership for Serve with Lianlian Group, of of China’s leading mobile payments providers. Additionally, AmEx has also made an equity investment of $125 million in LianLian Pay.
  • Group President for Enterprise Growth for American Express Dan Schulman tells us in an interview that American Express has come to realize that in a lot of fast growing economies internationally, people move money in different ways and in order to enter these markets, the company has to think beyond just plastic cards and checks, and consider moving straight to mobile platforms.
  • AmEx is generally predicting China to be a huge market for its mobile and digital payments products and is planning to open a new American Express’ Enterprise Growth Group office in Hangzhou, China. The China-based team will provide technical and consulting support to Lianlian Group on the Serve partnership, and the new outpost will be headed by Matthew Lee, President, Enterprise Growth, American Express, China.
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  • With the Lianlian Group, AmEx gets access to a company that has partnered with 3 of the largest carriers in China, and served one-third of all Chinese mobile users through payments network infrastructure, he explains. So a Chinese consumer who was paying cash to get minutes can now load the Serve-powered Lianlian digital wallet and have the choice of digital commerce, paying bills via their mobile wallet, send peer-to-peer payments, buying more minutes and ringtones and more, says Schulman.
  • Another area where we’ll see Serve expand is on data. As Harshul Sanghi, American Express’ VP of Enterprise Growth Group, told us recently, the personalized experience is going to be key in providing the digital wallet that consumers flock to. Intent data, structured data and unstructured data will all play a part of delivering a personalized payments experience for Serve.
  • Founded in 2004, Lianlian Group has served approximately 300 million mobile phone accounts. It operates a network of over 300,000 small business agents across China where customers can buy additional top up minutes on their mobile phones. A portion of that network also allows customers to purchase airline tickets, video gaming credits and utility bills.
  • Amex has entered into an operating agreement with Lianlian Group which will allow Lianlian to license and use Serve in products and services it develops for its consumer and business customers in China. The Serve platform will help power a new Lianlian Group digital wallet that consumers can use to top up mobile phone minutes, pay bills and purchase products or services online.
  • For background, Serve integrates a variety of payment options into a single account that can be funded from a bank account, debit, credit or charge card. AmEx has landed a number of lucrative carrier partner deals for Serve in the U.S. but this is the first step towards expanding Serve’s technology into one of the fastest growing consumer markets in the world.
  • With the mobile penetration in China, it’s no surprise that AmEx chose the market as its first global opportunity to expand Serve. AliPay is also playing in the space.
  • In terms of financial companies, American Express has been at the forefront of trying to expand their mobile and digital offerings beyond the credit card business. Besides carrier partnerships for Serve, AmEx has announced a number of recent partnerships in the payments space include Foursquare, Facebook and even Zynga for personalized deals. The company has also been acquiring payments technologies and will be doing more investing in the space with a new $100 million fund.
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NFC In 2012: Time For The Training Wheels - 0 views

  • This year, NFC technology will finally make its way into the hands of millions of users. This will be spurred along by new smartphones, notably from Android, that have NFC capabilities baked into them. The technology industry is waiting to see if and when Apple decides to put NFC into the iPhone. Many pundits think that when Apple goes NFC, that will be the true harbinger of the heyday for mobile payments. As it stands, Apple's newest iPhone 4S is three months old and a new one will not be released till the third or fourth quarters of 2012, if at all.
  • It is still a cash world, with about 85% of transactions still being made with paper currency. It behooves the financial system and their technology partners to shift those scales. Even a 1% increase in digital payments means billions dollars flowing through the ecosystem.
  • Mobility will reshape the credit card and payment industry.
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  • 2012 will be the year of "NFC training wheels."
  • NFC smartphones will outnumber deployment targets.
  • Carriers will deploy NFC faster than consortiums.
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