Showing posts with label Visa. Show all posts
Showing posts with label Visa. Show all posts

Wednesday, 15 August 2012

Starbucks chooses Square for mobile payment transactions

Sometime this fall, your favorite Starbucks will be accepting mobile payments using the popular Square system for customer transactions.

Square uses a free credit card reader for smartphones and allows anyone to accept credit cards anywhere using iPhone and Android apps.

The coffee shop powerhouse will use Square's "Pay with Square" app for transactions. Customers also will need to download and set up an account on their smartphone.

Starbucks hopes to give their customers a seamless payment experience at 7,000 stores in the U.S. Square is only available in the U.S. at this time, where "more than two million individual and businesses" use the service.

Contact us: earnesthart@live.com | Follow on Twitter @ehart

Sunday, 5 August 2012

Google Wallet moving to the cloud with new security features

I predict that very soon, we'll all be using our smartphones to pay for merchandise at various retailers. It'll become as common pulling out cash or a credit card.

The folks behind Google Wallet have been steadily marching toward this goal and recently released a "cloud-based version of the Google Wallet app" that'll have more support for credit and debit cards. The card vendors include MasterCard, Visa, Discover and American Express.

According to Google, this new version also includes includes a feature to remotely disable your mobile wallet app. This should help to ease some of the security concerns in the first version of Google Wallet.

To further address security concerns and streamline how banks implement the technology, Google has revamped how account data for credit cards is stored in the Google Wallet app. Instead of the storing the data on your phone, Google now uses their secure servers, which also allows banks to add their cards in a few weeks.

Google says on their blog that their virtual Wallet is now available on six smartphones with Near Field Communication capability, or NFC, from Sprint and Virgin Mobile, as well as on the new Nexus 7 tablet. Their partners include 25 national retailers that can accept mobile payments by simple tapping your phone.

Google is also using the MasterCard PayPass system to incorporate more than 200,000 retail locations in the United States.

If you have a compatible phone, you can find the latest version of Google Wallet in the Google Play store.

Contact us: ehart@earnestharttech.com | Follow on Twitter @ehart

Tuesday, 29 May 2012

More retailers banking on PayPal for mobile commerce​

As the mobile payments technology continues to emerge, several of the key players are banking on NFC, or Near Field Communication, to entice consumers to pay for merchandise and services with their smartphones. Google has their Google Wallet, Mastercard has their PayPass Wallet and Visa is pushing their V.me digital wallet service.

But PayPal, who has been around over 10 years in the online payments arena, is now turning their attention to offline retailers and small business. According to PayPal executives, this market is 17 times larger than the online sector.

They launched "PayPal Here" in March as a mobile payment solution that allows small business to accept almost any form of payment by using a free app and a small credit card reader for the iPhone and Android devices.

PayPal, who now list 110 million users, recently announced on their blog that they have joined forces with VeriFone and Equinox, the number one and number three point-of-sale terminal manufacturers in the world to include PayPal access. They also announced partnerships with 15 major retailers, including Toys "R" Us, J.C. Penney, Barnes & Noble and Home Depot, a $17 billion dollar retailer who has adopted PayPal in about 2,000 of their stores.

While the NFC technology is likely to continue to grow and gain acceptance, several major retailers are already banking on the PayPal solution for mobile commerce.

Contact us: ehart@earnestharttech.com | Follow on Twitter @ehart

Thursday, 10 May 2012

CTIA Wireless show technology a glimpse into the future

As the International CTIA Wireless show was winding down, I left New Orleans with a feeling that I experienced the future of technology. It was happening all over the Ernest N. Morial Convention Center and let me tell you, that is one big place.

I didn't take long to run into bumper-to-bumper traffic as I tried to make my way home and I had plenty of time to think about all the cool gadgets and software applications as I snaked along the interstate past the Mercedes-Benz Superdome.

This was an international show and the guys from Japan, China, Germany, South America and other locations certainly had good technology to show off. I think their 20-hour-plus flights were worth the time and effort to share their innovative ideas with us.

I didn't know much about them before, but I am now a fan of international tech companies like NTT Docomo and Huawei.

I have an avatar coming via email, which was created by a couple of sharp guys with Docomo, whose 3D modeling application took a photo of my face and added the ability to make my image smile or wink. It was awesome and a glimpse of what's to come in the 3D modeling space.

The representatives from China also caught my attention with a built-in retractable headset for smartphones. The headset is incorporated into a phone case that also has a 1500 mAh battery. This technology is their solution to limit radiation from mobile phones when talking with the device held up to your ear. You also can't loose it or leave it at home or in the car. If you have your phone, you'll have your headset. I need one of these.

Several CEOs from Visa Inc., Mozilla Corporation, Electronic Arts and Spotify left the audience pumped with their visions for the future of their industries. Their keynotes certainly had the "wow factor" and I now want to play more games, after listening to Electronic Arts' John Riccitiello and watching his demonstration video.

A few other things stood out from their presentations to a quiet and attentive audience of tech gurus and buffs from all over the world.

HTML 5 is the future of the mobile web, so embrace it.

In the "you probably didn't know this" department, people spend more time playing games on their mobile devices than talking and this industry will grow even larger in the years ahead.

Mobile payments are going strong in developing countries as a money transfer solution, such as in Uganda and Nigeria and it's just around corner for us in the states. Visa and Mastercard, along with partnering banks, have big plans for our smartphones to be used as wallets.

I learned that Spotify, a mobile music technology with European roots, is gaining traction in the U.S. after being on the scene for about a year. CEO Daniel Ek says they are here to stay and offer a vast library of songs and playlists.

The Sony engineers have been hard at work developing their contactless IC cards technology, which can be used for e-tickets, mobile wallet transactions and tracking your healthcare through an online healthcare management system. By using NFC technology, devices such as Pedometers, blood glucose monitors and thermometers can transfer information to your NFC enabled mobile phone or a PC with just a tap.

But my favorite at the Sony booth was the One2Touch wireless keyboard that works with your smartphone. During a demonstration, a Sony representative just simply placed the phone on​ the slim keyboard and started typing, with no charging or pairing. Sony says the keyboard can be folded to pocket size. This technology falls in the "I've got to have that" category.

There will no shortage of smartphone choices, as more handset manufacturers enter the market. Two heavyweights that you'll hear more about are Unnecto and Plum, who both have offices in the U.S. They offer low-cost dual SIM devices in variety of styles, including touchscreens and QWERTY keypads, that'll work on GSM networks.

At the LG booth, I was attracted to the LG Optimus Vu smartphone, which is only available in Korea at the moment. It'll have a 5-inch display, a unique 4:3 ratio and note-taking features with a stylus. This device will attempt to combine tablet and mobile phone features in a size that'll slip into your inside jacket pocket. This one will likely compete with 5.3-inch Samsung Galaxy Note and will be worth checking out when it hits these shores.

The automobile industry was in the house with a slick, black Porsche, sporting the QNX Software Systems integration, which is a subsidiary of Research In Motion, or RIM. We'll also find QNX technology and features in the upcoming release of BlackBerry 10 devices this fall. Around the corner, Ford Motor Company showed off an electric Ford Focus with their Sync technology.

There was much more technology and almost too much to see throughout the gigantic convention center that made your feet hurt after all the walking back and forth.

I think that Gary Kovacs, the CEO of Mozilla Corp. and the maker of the popular Firefox browser summed it all up by saying "the future is always sooner."

That was certainly the case at the International CTIA Wireless 2012 show in New Orleans.

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