Tuesday, February 28, 2012

Digital Parking Payments

 
          As a result of the global recession, the retail industry is constantly looking for new ways to cut costs and better develop its services. The company Digital Payment Technologies (DPT) makes and sells computerized parking management systems in North America. The company’s main product is the Digital Payment Station which is an electronic terminal that has a Web-based Enterprise Management System which permits operators to manage their parking lots from any location around the world as long as they have a device that allows for an Internet connection. The devices collect and track parking lot information, such as the parking time usage, as well as credit card payments. The devices use cellular CDMA2000 connectivity for most of its units. CDMA2000 offers global coverage and a very high level of security, both of these factors are important since the company and devices are dealing with financial transactions. These devices will also send text warnings to your cell phone when your parking meter is about to run out of time, allowing you to add more time via wifi through a credit card transaction. This allows the user to completely avoid a citation or tickets.
          
 
         The main reason that businesses are purchasing these devices are because of the results produced after installing the digital payment stations, which increase parking revenue by 20-30%. The new devices being implemented cause an increase in customer satisfaction due to the convenience of credit card transactions. Also consumers are no longer required to guess (usually overstating the amount/overpaying) for the time they need to park there. In addition, real-time credit card authentication eradicates lost revenue in regards to overdrawn accounts or non-working/stolen cards. Most purchasers report a return on investment within 12-15 months.

 
 
 
 
 
 
Reference: http://www.cdg.org/resources/files/case_studies/Digital%20Payment%20Case%20Study_JUN2011.pdf

Google Wallet

Google Wallet

  Imagine your smartphone used as your wallet.  You walk to a register, swipe your phone, and walk away.  This would be all thanks to Near Field Communication (NFC- standards-based, short-range wireless connectivity technology that enables convenient short-range communication between electronic devices) as well as Google Wallet. Google Wallet is aimed to make purchases more simple.  When you tap your phone to the register, your phone sends data to the store, and if your phone is unlocked by pin number (meaning you have sufficient funds), the purchase is then paid.  Google Wallet can only be used on a Sprint Mobile network and you must have an android powered phone with NFC.  They on support 2 kinds of credit cards: Citi PayPass and Mastercard.  Google will be making expansions for new phones and credit card carriers that may be used.  Here is a Video on the introduction of Google Wallet:









http://www.webopedia.com/TERM/N/Near_Field_Communication.html
http://www.google.com/wallet/get.html
http://news.yahoo.com/blogs/technology-blog/google-wallet-000902785.html











Sunday, February 26, 2012

PROTECTION OF INFORMATION

Created by Andrew Withers, Matthew Stoll, Chris Gabb, Troy Cosky, Andrew Hatfield.

Near field communication (NFC) is a set of standards for smartphones and similar devices to establish radio communication with each other by touching them together or bringing them into close proximity, usually no more than a few centimeters. Present and anticipated applications include contactless transactions, data exchange, and simplified setup of more complex communications such as Wi-Fi. Communication is also possible between an NFC device and an unpowered NFC chip, called a "tag". 

We see how technology is advancing with smartphones and the use of smartphones to purchase products. In our presentation we mentioned how eventually Visa and MasterCard wanted to turn your cell phone into your personal wallet. (NFC) is making this capable and my issues I have with this is protection of personal information. Identity theft is at an all-time high and I see technology outpacing the safety features needed to protect ourselves when using it . What as a society can we do to make sure our Identity is safe? Would you be worried about your information being stolen if you used your phone like a wallet? I’m afraid that were advancing to fast and not taking time to look over everything.