Posts Tagged ‘payments’

Mo Money In Mobile?

June 7th, 2011

Have you ever thought about how awkward first dates really are? You barely know the person, probably are going to be short for questions and comments, and chances are you are extremely nervous because you want to make a good impression. But we’ve all been there and gone to dinner with that guy from the accounting department or the girl from the coffee shop. I’m also sure we’ve all had to deal with the utter shock and dismay when you reach to offer to pay for the bill and the only thing in your back pocket is a note from your mother asking you to turn the lights off when you get home. You’ve just successfully eliminated all chances of a second date. Imagine how much perspiration would be saved if you could just pay for the meal with your cell phone. You would never “forget your wallet” again as your mobile device is likely glued to your left hand. Lucky for all you first daters, this is actually going to be a possibility. Lucky for the marketers, mobile payment systems are a whole new space to explore and new technology to utilize.

Google Mobile Wallet

Google has announced their NFC- based Google Wallet, which is a mobile payment system designed to allow users to pay for retail items with their phone just by tapping. Google has teamed up with giants such as Subway, Macy’s and MasterCard. The partnership with MasterCard in particular will allow Google Wallet users to pay at any PayPass contactless system already installed. Payment isn’t the only draw to this wallet; by tapping at locations consumers would receive offers and promotions directly to their mobile device otherwise known as Google Offers. While trials are underway in NYC and San Francisco, Google is hoping for a full release this summer. We can only imagine what’s next: boarding passes, SIN cards, gametes. Regardless what it is, I’m sure Google will make it happen.

Visa PayWave

Visa developed this contactless card to compete with MasterCard’s PayPass but has not teamed up with DeviceFidelity to apply a mobile twist. They applied the smart chip technology from the card into mobile devices so that users just need to select the icon and wave their device over the payment system. Their pilot project is taking place in LA and New York transit systems including taxis. Their objective is making Visa usage more efficient and secure while eliminating cash handling for transit operators. Furthermore, it saves transit riders from scavenging the streets for those additional pennies to make the accurate change to ride the rail.


Apple + Square

As Google Mobile Wallet and Visa Pay Wave are in the process of creating more efficient processing systems, Apple and others are keeping it creative with a temporary solution, Square.  This nifty device was developed to ease online payments for consumers purchasing with their iPad or iPhone or other mobile device. Merchants develop an account for a small few and users just buy the device for $10 allowing quick and easy credit card payments on-the-go. By pairing this with location based services, consumers will be able to walk by a retail store, receive an offer that blows them away and pay for it all through their handheld mobile device. Talk about handy.

Mobile payment systems not only make shopping easier for customers but more efficient and productive for merchants as transactions will be faster, safer and less fraudulent. Furthermore, it is developing a whole new customer experience as its cool, unique and fun to be spending money.  Google Mobile Wallet has broken ground with this technology and has created a space, which allows for almost anything to go mobile. As marketers, there are opportunities to target these customers into retail locations that are housing the contactless payment systems and offering them deals. Now that we know where payment systems are headed, you better go trade in your best goat for the newest iPhone.

Twitter Squared: Places & Payments

November 15th, 2010

It’s been awhile now since Twitter began allowing users to tweet their location via its Places feature, but now it looks like the company is taking Places a step further with a feature that lets businesses “claim” a location or place.

The “claiming” of Places page could be a sign that Twitter is getting serious about competing in the geo-location space currently dominated by Facebook and Foursquare. It could give businesses a new avenue to promote themselves on Twitter, and it could also lead to new revenue possibilities for the microblogging service.

It creates much speculation about what Twitter plans to do with its Place pages? Is Twitter planning to launch a deals feature of its own?

According to officials at Twitter however “Places is not available at this time. We’re experimenting with a variety features. Allowing businesses to claim a Place is a natural thing to consider for the future.”

Being able to claim a place on Twitter would seem to suggest that the company is thinking about adding to their offering. Google, Facebook, and Foursquare all allow venue-owners to claim their places.

The real game here is around location-based analytics and ultimately new streams of revenue.  Many big brands are already on Twitter with full-time community managers in place to respond to every tweet pro or con.

So, what if Twitter did actually allow businesses to claim their Places? Let’s think for a moment what could happen if this was coupled with Jack Dorsey’s (co-founder of Twitter) other new company – Square?

Square was unveiled last December as a small credit card reader that could turn any iPhone into a mobile cash register. The startup has since unveiled apps for the iPad, Android and iPhone. And Dorsey brought on PayPal and Slide veteran Keith Rabois as General Manager in August.

So where is Square seeing the most traction? Without a doubt, small businesses, independent workers and merchants comprise most of Square’s rapidly growing user base. The technology only requires its tiny credit card scanner that fits into your audio jack and Square’s app. The device and the software are free, but Square takes a small percentage of each transaction (2.75% plus 15 cents for swiped transactions).

While merchants have to qualify for the app, Square’s qualification rules are more relaxed than those of standard credit card processors, There are no initiation fees, monthly minimums, and when merchants apply for a reader, Square doesn’t just focus on a credit check, but also takes into account the influence a company holds on Yelp, Twitter or Facebook.

Rabois says that Square is the “PayPal for the real world.” He also compares Square as the “Apple for financial services,” because it is so easy to use out of the box.

So, you’re a small or medium business.  You can claim you Place online, manage the social messaging promotion through Twitter, and process your payments through a small device plugged into your existing phone.  No additional hardware and low transaction fees.

Seem likes a match made in heaven, and all brought to you by one company – Twitter

I like to think of Jack Dorsey like a modern day John Chambers – outsource R&D by seeding a whole bunch of complimentary start-ups and once they’re ready – just roll them into the mothership.

Now if only I could get a Square to use hear in Canada for our events at the LBMA – life would be great!

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