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<span style="font-size: 20px; font-weight: bold;
color: rgb(0, 0, 0); font-family: arial;
line-height: 110%;">OPLIN 4Cast #213: Mobile
phone payments</span><br>
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<span style="font-size: 11px; font-weight: normal;
color: rgb(102, 102, 102); font-style: italic;
font-family: arial;">January 19th, 2011</span></p>
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<p style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://www.oplin.org/4cast/wp-content/uploads/2011/01/iphone_pay.png"><img
class="alignleft size-full wp-image-1632"
title="iphone_pay"
src="cid:part2.03050509.06010107@oplin.org"
alt="iPhone dollar bill" height="145"
width="85"></a>Perhaps you've seen some <a
href="http://feedroom.businessweek.com/?fr_story=e85bc4a06b9d8715425b7337bb93c2be7a044a9b%20">video</a>
of people waving their smartphone at a device to
automatically pay a fee. Perhaps you've wondered
if this is something your library should be
investigating as a way for patrons to pay library
fees. This week's <em>OPLIN 4Cast</em> takes a
brief look at the rapidly emerging technology of
mobile payments. This is not an easy technology—or
rather, technologies—to explain in this short
format, so the articles cited and quoted below
should be considered entry points to deeper
information. To start off, however, it's helpful
to clarify some jargon. "NFC" refers to Near Field
Communication, in which a smartphone with a
special card installed is waved near a reader;
"carrier billing" refers to adding the cost of a
purchase to the buyer's phone bill; and "credit
card swiping," in this context, refers to
attaching a small credit card reader to a phone. </p>
<div> </div>
<ul style="text-align: left;">
<li style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://www.readwriteweb.com/archives/iphone_credit_card_swiping_battle_continues.php">Mobile
credit card swiping battle continues</a>: a
look at 4 rival technologies (ReadWriteWeb/Sarah
Perez) "<a href="http://squareup.com/">Square</a>,
the mobile payments company launched in 2009 by
Twitter co-founder Jack Dorsey, is the name most
often bandied about in tech circles these days
when it comes to talk of credit-card swiping
attachments made for iPhone. But Square was
never alone on the mobile payments
battlefront..."</li>
<li style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://arstechnica.com/gadgets/news/2010/12/android-market-carrier-billing-comes-to-att.ars">Android
Market carrier billing comes to AT&T</a>
(Ars Technica/Ryan Paul) "Nokia claims that
support for carrier billing has increased Ovi
store application sales by more than ten times.
The feature has a particularly profound impact
in regions where credit cards aren't ubiquitous.
Google could see a similarly dramatic
improvement in Android application sales as it
gets more network operators on board."</li>
<li style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://www.businessweek.com/technology/content/dec2010/tc20101231_087039.htm">In
the works: a Google mobile payment service?</a>
(Business Week/Olga Kharif) "A single NFC chip
on a mobile phone would hold a consumer's
financial account information, gift cards, store
loyalty cards, and coupon subscriptions, say the
people familiar with Google's plans. Users may
also be able to make online purchases from their
phones. By scanning a movie poster, for
instance, a consumer might read reviews and use
the Google service to purchase tickets. 'NFC
could displace the cash register,' says Charles
Walton, chief operating officer for NFC
chipmaker Inside Secure. 'This is going to come
superfast.'"</li>
<li style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://www.mobilecommercedaily.com/2010/12/29/2010-mobile-commerce-movers-and-shakers">2010
mobile commerce movers and shakers</a> (Mobile
Commerce Daily/Giselle Tsirulnik) "AT&T
Mobility, T-Mobile USA and Verizon Wireless have
formed a joint venture called Isis, a national
mobile commerce network that will let consumers
use their mobile phones to make point-of-sale
purchases. The initial focus of Isis will be on
building a mobile payment network using
smartphone and NFC technology to streamline the
payments process for consumers and merchants.
Isis expects to introduce its service in key
geographic markets during the next year."</li>
</ul>
<div style="text-align: left;"> </div>
<p style="text-align: left; font-size: 20px;
font-family: arial; line-height: 110%;"><small><strong><em>Big
money fact:</em></strong></small><br>
</p>
<div style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;">IE Market
Research <a
href="https://www.iemarketresearch.com/Members/Reports/3Q-2010-Global-Mobile-Payment-Market-Forecast-2010--2014-Global-mobile-payments-users-to-exceed-one-billion-by-2014-with-over-1-trillion-in-transactions-taking-place-in-that-year-RID1534-1.aspx">projects</a>
that mobile payment transactions will amount to
$1.13 trillion globally by 2014. </div>
<div style="text-align: left;"> </div>
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