Links Digest for October 21st

October 20, 2010
RFinity | CrunchBase Profile
RFinity’s Person-to-Person payment app lets cell phone users instantly start making and receiving PayPal payments – in the real world!

When making purchases, RFinity’s patent-pending peer recognition technology connects buyers to sellers without their needing to type in the other party’s email or cell phone number. This “Near Field Communication-like” experience simplifies the buyer-seller recognition process – using existing cell phones.

From “Face Book” to FaceCash: How Aaron Greenspan Is Tackling Mobile Payments
A user signs up on ThinkLink’s website (ThinkLink is part of Greenspan’s Think Computer Corporation) and enters personal information: address, bank account numbers, social security, etc., and a photograph. After a user transfers funds to FaceCash, those funds are accessible through the personal bar code via FaceCash’s iPhone/Android mobile app or the ThinkLink website. Any retailer who has signed up for FaceCash, owns a computer and a non-laser bar code scanner (a fairly common device) will be able to process Face Cash transactions. In other words, if you walked into a FaceCash-enabled restaurant, you could pay by opening the mobile app and displaying the barcode. The retailer would scan the code, check your photograph and complete the transaction. As an added bonus, you can also exchange money between users via Bump technology.
StorefrontBacktalk » Blog Archive » In Game Of Mobile Tag, Microsoft Finds Few Retailers Willing To Be “It”
Here’s the future envisioned by Redmond. Customers turn their mobile phones into their loyalty cards. As they browse physical aisles, they can point their phones at these tags and, beyond product information and demos, be shown pricing individualized for them based on their membership level (for a warehouse membership club), the dollar value of historic purchases, particular purchases they have made or their demographics.

That customized pricing could also reflect short-duration sales, as in “This product will cost you $32, which is an $18 savings. But if you buy it within the next hour, it will cost you only $21.”

Mobile payment would allow the customer to scan and pay for a tagged item on the spot—using an already established payment card on file—thereby sparing the customer the checkout lane.

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Facebook’s New Groups Feature Worries Some – Yahoo! News
This week's overhaul of Facebook groups quickly led to an outcry over the way the service works, but the bigger lesson may be simply this: Be careful who you befriend
How Flipboard Was Created & its Plans Beyond iPad
The advent of the iPad has triggered a new round of innovation in the startup community. And few startups have utilized the iPad's touchscreen UI to create a unique user experience more than Flipboard, a magazine reading application built specifically for the iPad. – U.S. Bails Out Major Credit Unions
Regulators announced Friday a rescue and revamping of the nation's wholesale credit union system, underpinned by a federal guarantee valued at $30 billion or more. Wholesale credit unions don't deal with the general public but provide essential back-office services to thousands of other credit unions across the U.S. The majority of retail credit unions are sound, but they will have to shoulder the losses through special assessments over the next decade.

Friday's moves include the seizure of three wholesale credit unions, plus an unusual plan by government officials to manage $50 billion of troubled assets inherited from failed institutions. To help fund the rescue, the National Credit Union Administration plans to issue $30 billion to $35 billion in government-guaranteed bonds, backed by the shaky mortgage-related assets.

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