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Are mobile payments the new speech recognition technologies?

One of the bigger stories in mobile this year has been the growing investment and hype behind the idea of using one’s mobile phone as a method of payment, but it’s pretty clear that the details of how any one company or organization will build a mobile-payments system are still very much up in the air.

a sizable number of people and companies believe that the smartphone can be a natural evolution of the credit card in just a few years.

Square's chief operating officer Keith Rabois went against the grain this week and questioned whether there was any value to be had by implementing near-field communications (NFC) for mobile payments.

He may have a point that the particular technology matters less than the mobile wallet itself.

To name just three: Merchants can administer reward and loyalty programs more efficiently if they're managed through phones rather than on rubber-stamped cards. Merchants can deliver location- and time-specific coupons if they are acquainted with a customer's phone. Placecast is showing how you can deliver offers within a geofenced area. Merchants will also have the opportunity to move discounts quickly if they need to clear inventory. All of that is theoretically possible today with Twitter, but first you have to get them to follow you. Once someone has paid with their phone, presumably it's a lower barrier to get them to agree to receive offers via that phone. Merchants can dynamically steer customers to their best payment option. If PayPal offers a lower percentage for a period than the merchant's credit card service, the merchant can offer products or services at a discount and let the customers choose on their devices.

“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.”

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.

people want work and have to act like they’ve got work to get it. And more often than not, people won’t settle for work that’s matched to their experience. They want the big names because what do we honour in our social media circles? Names. The reality is that if these scores of people spent as much time projecting as they did actually humbling themselves to take work at their level and do it, they wouldn’t have to project having work in order to get the work they so desperately need. Right now I know of dozens of people who need work, some famous, some not, who if they would just stretch their hand out and ask, without searching for the big brands, the

I had a friend who told me the truth when he couldn’t tell others. His name was Trey Pennington, and when we lost him this month (and there was more to his loss than most know), we became determined to help others who felt equally unable to get the help that they needed

I know that most self employed and company owners within our Like Minds community are on the edge of their finances. They are startups in tough times, and the consultants especially are struggling to get work. I venture that together we could help a whole lot of people get the work they need if they told the truth and could be open with one another.

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.

According to calculations by Cisco, 50 billion devices will connected to the Internet by 2020. Top technology infrastructure companies like IBM, HP and Ericsson are investing big in the Internet of things. IBM envisions a smarter planet, Ericsson envisions the social web of things.  But when I look at these visions I get the feeling something is missing—the consumer. Well, she's there, but always in a passive role. These visions are more about automation and efficiency. An exemplifying scenario can go something like this one, from Cisco: Imagine your morning meeting was pushed back X minutes, and your car knows there has been an accident on your driving route causing a Y minute detour; this is communicated to your alarm clock which allows you Z extra minutes of sleep and signals to your coffee maker to turn on the appropriate minutes later. Or, from Ericsson: You call your wife on your way home in the car, asking what she wants for dinner. When you arrive home the oven has calculated with precision the time it should turn itself on and at what temperature, depending on the groceries you got from the store. I'm sure these are plausible scenarios, but I don't think the killer apps of IoT will be the connected car or Internet-oven. 

I'm much more interested in big questions like: What will be the iBeer moment of Internet of things? What will be the Farmville of connected devices? These are the seemingly silly applications that always pop up in the wake of new technological possibilities. The simple, cheap, entertaining stuff. Humans are a curious species, and we don't always make rational decisions.

Qualcomm boss Paul Jacobs has outlined his vision of the future at the company's Innovation event: a world where mobile devices supplant PCs, with his company's chips at the heart of the ecosystem.

"The fundamental trend that we all know is that mobile is now the dominant computing platform," Jacobs told attendees. "That's not the future - that's now. The install base of smartphones has already surpassed PCs."

That's a sea change which shouldn't be overlooked, Jacobs argued. "There were limitations to how computing happened in the past - now we do it when we're moving around," he explained. "Mobile is everywhere with you - you take it wherever you go. It's about doing things when you have the time."

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.

UW researchers say this new type of transistor could one day understand or even control body functions.

Materials scientists are looking at these proton-based microscopic transistors for future advances in prosthetics and biological sensing.

In the body, protons activate “on” and “off” switches and are key players in biological energy transfer. Ions open and close channels in the cell membrane to pump things in and out of the cell. Animals, including humans, use ions to flex their muscles and transmit brain signals. A machine that was compatible with a living system in this way could, in the short term, monitor such processes. Someday it could generate proton currents to control certain functions directly.

A new app in this field is TagWhat. Part augmented reality-app and part social networking service, it lets people check and view locations along with additional random info like the place's history, the famous people who lived in it, anecdotes about the neighboring establishments, or any other information that can either be trivial, interesting, or extremely useful.

The fun, friendly user interface allows you to tag pictures, locations, as well as include your own stories and musings about a place, or even include multimedia like a video of a famous event that happened in a location, or a famous song that was written in an establishment.

What differentiates TagWhat from Foursquare (and what makes it more like Facebook), is the fact that it eschews the formers' game mechanics and focuses on the user interaction and community building aspects of the latter. The basic use of TagWhat is that it lets users turn a view of any location into an engrossing, educational experience, as users provide interesting stories and entertaining information about every single thing that can be captured by your camera - think a diner and its history is interesting enough?

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.”

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.

Vehicle tracking and recovery remains the major application area for wireless M2M communication in the security industry, using devices that combine GPS with GSM and GPRS technologies. The main markets in terms of units and value include tracking of passenger cars and commercial vehicles. However, there are also several emerging niche markets, such as construction equipment as well as leisure vehicles and boats.

“There is still a significant untapped potential in the residential market segment for monitored alarms,” commented André Malm, senior analyst at Berg Insight. He added that only about 25% of the 30 million alarm systems in Europe are connected to an alarm receiving centre. The latest generation of monitored alarm systems with GSM and GPRS is well adapted to the residential market as many households abandon PSTN services.

“Wireless sensor networks are the enabling technology for key applications in defense, health care, home and industrial automation and energy management. Technology leaders have recognized this fact and are providing high end application solutions for their customers based on advanced WSN technology. The Millennial Net Energy Management System which includes LEM energy sub meters, wireless pneumatic thermostats and numerous other devices allow for monitoring and control of commercial, public and light industrial buildings of several hundred thousand square feet with unprecedented scalability and reliability, leading to substantial energy savings and ROIs of around 1 year,” said Dieter Schill, President and CEO of Millennial Net.

This gateway connects the networked devices to existing Building Management System via BACnet or communicates with hosted internet-based application for monitoring and control. The devices are designed to work with legacy HVAC systems, fixtures, and appliances, making it unnecessary to upgrade HVAC equipment to save energy. Energy savings are achieved by improved compliance and energy policy enforcement.

New technical standards and consumers’ extensive use of mobile media put us on the cusp of an explosion in mobile payments.

Long rumored and heavily used in Asia, mobile phones have the ability to be used as payment devices similar to credit cards.

Now, the growing penetration of smartphones, the widespread use of phones to comparison shop, share price or product features or accept discount and coupon offers makes mobile payments the next high demand phone function.

David McCullough has connected up into Pachube’s public platform, to share, store and visualise weather sensor data, using the Opengear ACM5000 smart device server

The Opengear ACM5000’s Linux system under the hood made integrating Pachube API support quick and easy using the free Opengear Custom Development Kit. The ACM5000’s legacy as an industrial-grade, rugged device that is proven and reliable in harsh environments, and wide array of network and data ports, make it an ideal solution to provide network connectivity and data telemetry for things such as weather stations.

Pachube is a global data brokerage platform for the Internet of Things, managing millions of datapoints per day from thousands of individuals, organisations and companies around the world. By sharing data feeds from and between physical Things, such as environmental sensors, smart meters, building management and process control systems, Pachube provides a globally distributed data ecosystem and application development platform.

Alcatel-Lucent Geo-Location Mobile Game "Acquisition" On top of our platform and supported by our community members, Alcatel-Lucent ran an innovation & development challenge to bring new mobile applications and games to life. A TopCoder member came up with the idea for Acquisition, which leverages network-based API's for automated geo-checkin, SMS, subscriber identity, call control and player presence. It pairs it with game mechanics similar to a traditional game of Monopoly. In a game of Acquisition you are competing against a set of friends to amass the most wealth and you do so by physically checking into a variety of localities, trading properties, developing on top of owned properties, earning dividends and expanding your empire.

Researchers for the Chetan Sharma Consulting group have put together a 2011 State of the Global Mobile Industry mid-year assessment and have come up with some very interesting results. The entire global mobile market weighs in at about $1.3 trillion or close to 2% of the world's gross domestic product. Of that giant $1.3 trillion pie, about $300 billion is expected to be through data revenues. That means that people are starting to use data at much higher rates and Americans are on the forefront of data usage even as India and China are the fastest growing mobile markets in the world.

"Mobile is fundamentally reshaping how we as consumers spend from housing and healthcare to entertainment and travel, from food and drinks to communication and transportation. Mobile not only influences purchase behavior but also post purchase opinions. When the share button is literally a second away, consumers are willingly sharing more information than ever before. Mobile is thus helping close the nirvana gap for brands and advertisers who seek to connect advertising to actual transactions. The long-term battle is however for owning the context of the users. Having the best knowledge about the user to help drive the transaction is the simply the most valuable currency of commerce."

There will be more than six billion mobile subscriptions by the end of 2011. According to the report, it took 20 years of mobile development to reach one billion connected devices. The jump from five billion to six billion took 15 months.

Google Ventures has quietly invested in a stealth startup called Wingu, reports StrategyFacts (subscription required). Indeed, while the Google Ventures website lists four career opportunities for one of its portfolio companies located in Cambridge, Massachusetts without naming Wingu, the stealth startup published the exact same job openings on its job board, leaving nothing to the imagination. Wingu is building a enterprise-grade cloud platform dubbed Elements that will enable research teams to collaborate more effectively and use data in ‘new ways’. Here are the four main selling points of Wingu’s platform, according to its website: MANAGE: Unify your cross-discipline teams on a common platform to share data and ideas. ANALYZE: Drive decision-making with our analytical workflows and discovery tools. SHARE: Connect your researchers across silos and geographical divides for better collaboration, coordination and communication. PROTECT: Breathe easy knowing that your data is backed and protected by leading systems and security experts.