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  • ifdown em1 Users cannot control this device. Allow users to control em1 device

    - by Eric Leschinski
    I want to allow users to control the em1 device in Linux: When I run this command: ifdown em1 em1 is the embedded ethernet card 1, I want the user to be able to turn off the ethernet card. On Fedora 17, I get this error message: Users cannot control this device I want a certain user to be able to run a certain command on Linux without giving rights to other users. What is the best way to do that?

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  • How can I use my built-in AMD Radeon 7670m instead of Intel HD 4000 Graphics?

    - by gururaj
    i recently bought a DELL Inspiron 15R 2012m Series Laptop. It comes with a built-in AMD Radeon 7670m graphics card. I installed PES 2012, when I checked the system specification (an option in that PES 2012 game ). I came to know that game runs with Intel HD4000 Graphics and not with my AMD card. I also changed the swithchable graphics and assigned High Performance to PES2012, but the game still runs on Intel HD4000.

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  • PES 2012 results in a Nvidia error on Dell N5110 regarding System Requirements?

    - by ???? ???????
    I bought laptop Dell N5110 and installed PES 2012. Nvidia graphics card has 1GB RAM, but when I try to run game message appears that there is just 128MB graphics memory. Here is the message: Warning :Your computer does not meet the Minimum System Requirements to run this software.As a result, you may experience errors during operation.Your Video Card does not meet the required specifications.(GPU:VRAM 128MB) What could be the problem?

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  • Third monitor with AMD cards WITHOUT Eyefinity

    - by Resorath
    I have two AMD Radeon HD 6870 video cards in CrossFireX configuration and I would like to add a third monitor. I understand to use "Eyefinity" you need to use an active mini displayport to DVI adapter. I am not interested in the benefits of "Eyefinity", I just want a third monitor with Windows extended desktop. Is it possible to use either the HDMI head on the first card or the DVI heads from the second card to get a third monitor running without "Eyefinity" and an active adapter?

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  • Use a RAID Controller without drivers?

    - by cian1500ww
    Ordered an Adaptec 1420SA RAID card for my Debian Squeeze media server but didn't check to see if it was compatible, turns out it's not because it uses something called hostRAID which requires special drivers that aren't available for Debian. Could I still use the card as an ordinary controller and just use OS software RAID?? I'm not looking for speed, just need to mirror some drives that will be used for storage, the OS will reside on a disk connected to the server's onboard controller so the system won't be booting from any drives on the Adaptec controller.

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  • Increase in Available Memory expected by adding 1Gb RAM to a 3Gb Vista 32 bit system

    - by Bob423
    I understand the 32 bit Vista limit in addressing only 4Gb of memory space but I have a very specific question: I have 3Gb installed on a Vista 32 bit system with a 512Mb video card, MSI X-58 board, Intel i7, 920 CPU. System Information currently shows: Installed Memory: 3.00Gb Available Physical Memory: 1.73 Gb My understanding is that the 512Mb video card occupies memory addresses between 4.0Gb and 3.5Gb and so does not subtract from the 3.0Gb of physical memory (correct my understanding if wrong) My Question: If I install another 1Gb of RAM, will my Available Memory increase to 2.73Gb? Thanks, Bob423

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  • Can i control my Desktop machine from Laptop if both use same internet connection

    - by ram
    Below are the resources i have: 1) Desktop(No Wireless card) 2) Internet Connection with wireless router 3) Laptop with wireless card My Question: If i choose to connect desktop to Internet via wired connection and laptop via wireless connection, Can i control my desktop from laptop.. Purpose: I want to use my desktop for downloading movies and i want to control this from laptop.. NOTE: I have only one Internet connection..

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  • HDMI Disconnects after TV has been off for a while

    - by Adam Haile
    I have an EVGA NVidia GT 610 card in a media center PC running Windows 8 x64 When the TV has been turned off for a while and then turned back on, there will usually be no HDMI signal until I unplug the HDMI cable and plug it back in. Any ideas how what might be causing this or what I should check? I have the latest drivers from NVidia and the card recognizes the TV just fine. Also, my XBox 360 and PS3 work just fine and always show up.

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  • Some animation requests in a Silverlight application

    - by Mohit Deshpande
    I am making a flash card application. It shows the question and then a textbox for user input, all wrapped in a border or rectangle. So what I want is an animation that "flips" the rectangle or border upside-down and then their is text on the "back". Also, I want my application to APPEAR transition from one card to another by "flying off" the screen then "another" card comes in to replace the other one in the opposite direction. But actually I'm want just a little animation of the border or rectangle moving off the screen then coming back in, but in the opposite direction.

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  • Rails Foreign key setup question.

    - by James P. Wright
    I'm just (re)starting playing around with Rails and I'm making a little card game app. I cannot seem to figure out my Foreign Key setups. Say I have 4 objects: - Game - Player - Hand - Card A Game has many Players, which have many Hands which have many Cards. But the cards are also independent of a Hand, Player and Game. For example, I have 6 Cards in my database (1 to 6). It is possible that Card 3 could be in 2 Players Hands in the same Game. How can I set up my keys for this? Should I just create another object for "CardInHand" to simplify it?

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  • Create pdf from inDesign at runtime...

    - by Lieven Cardoen
    For a project I need to automate creation of business cards. Now, they have a InDesign file for each business card template. They insert the info of alle the people in the indesign file and then generate a pdf of it. Now, entering the information of customers in a web application is no problem, but how will I generate a pdf and how will I alter the indesign file at runtime? I think that altering the indesign file will be not possible programmatically? Could I generate a pdf from the indesign with one card template in it. At runtime I would copy the card in the pdf x number of times. Then I would need to inject the information of the people (name, address, ...)? What's possible here? The final pdf is used by a machine that automatically creates the business cards, cuts them, ...

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  • MYOB Service Sales Import

    - by sjw
    I have developed an export file from our Job Management system that I want to be able to import into MYOB Accounting Plus v18.5. The file is generated without issue and I have included every single field to make it easy for upload (i.e. Match All matches every field) The problem I am having is no matter what I do, I cannot get the sales to import... Every time, no matter what I do or how I create the customer card comes back with: Error -190: Customer not found. Sale invoice not imported. I have tried matching using - co./Last Name, Card ID & Record ID and every time I get the same error. I have created a single customer with a simply Co./Last Name, Card ID & Record ID and still, when I try to import using these same fields exactly matched, I get the same error...

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  • Instantiating a python class in C#

    - by Jekke
    I've written a class in python that I want to wrap into a .net assembly via IronPython and instantiate in a C# application. I've migrated the class to IronPython, created a library assembly and referenced it. Now, how do I actually get an instance of that class? The class looks (partially) like this: class PokerCard: "A card for playing poker, immutable and unique." def __init__(self, cardName): The test stub I wrote in C# is: using System; namespace pokerapp { class Program { static void Main(string[] args) { var card = new PokerCard(); // I also tried new PokerCard("Ah") Console.WriteLine(card.ToString()); Console.ReadLine(); } } } What do I have to do in order to instantiate this class in C#?

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  • Can an app delete its own internal resources?

    - by user637884
    I am trying to find a way to delete an internal resource after an app installs. More specifically, I have a zip file included in the apk, that I unzip to the SD Card when the app is first run. But then want to delete the now unneeded zip file (the purpose being to save the user internal phone memory). I access the zip file with, Resources resources = this.getResources(); InputStream is = resources.openRawResource(R.raw.assets); But am uncertain how to then delete the resource (if even possible). I know one may ask why not simply install the app to SD Card at download. But the app includes a screen widget, and installing apps to the SD Card and using a screen widget is problematic. Thanks, Matt

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  • What happens to a class in PHP once its been instantiated?

    - by Caylem
    Hi I'm just playing around with some PHP and was wondering what happens when an object from a class is created within another PHP script? I assume once its created and been processed their is no way of then going back and 'playing' around with it from another script? The idea is i'm trying to create a kind of deck of cards using a card class, each card has specific data that is added to each individual object to make it unique, suit, value etc. Once its created i need to be able to go back to specific cards to use them. In java i'd have an arraylist of card objects, i'm not sure how to approach the same area in PHP. Thanks.

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  • Image not getting displayed on a JPanel.

    - by Myth17
    class Deal implements ActionListener { public void actionPerformed(ActionEvent e) { dl.setDeck(); dl.shuffle(); dl.firstDraw(pl); for(Card c:pl.showHand()) panelplay.add(new JLabel(c.getImageIcon())); panelplay.validate(); } } This is an event handler for a Jbutton. The method pl.showHand() returns a ArrayList of a user defined class 'Card'. Inserting a println() inside the loop shows the print, so the code is being executed but the Panel panelplay isnt showing card Images.

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  • Class or interface expected error (java)

    - by David
    When i try to compile this: public static int compareCardhl (Card c1, Card c2) } if (c1.suit > c2.suit) return 1 ; if (c1.suit < c2.suit) return -1 ; if (c1.rank > c2.rank) return 1 ; if (c1.rank < c2.rank) return -1 ; return 0; } i get a lot of class or intereface expected errors. They all point at the if's. i also get a ; expected error at the end of Card c2). whats going wrong here?

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  • Duel Masters game in Java

    - by Arun Ramasubramanian
    I was trying to make a Duel Masters card game in Java using BlueJ, and came up with a lot of ideas. However, I could not exactly figure out how to sort a deck on basis of the card names in the game. I have an array of Card objects(each has, as its instance variables: String name, int cost, int civ), and I want to sort them based on name. ie: if I have the cards "Pyrofighter Magnus", "Bazagazeal Dragon" and another "Pyrofighter Magnus" in the array, the cards should be sorted on basis of their names. I know that I could use compareTo(), but is there an easier method? Anyone? Remember, the method that sorts the cards should be a modifier.

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  • Dell replacement return

    - by terrani
    Hi, I am not sure if I can ask this question here. Please let me know if my question is not suitable here. I just received my replacement monitor from dell. While I was talking to dell tech., he told me that Dell would charge me for the replacement monitor if I fail to return my defective monitor within 15 days. I don't know why he told me that when I didn't ask it. so here is my question. How are they going to charge me?? Dell does not have my credit card or bank account info. Do they store my credit card or bank account information on their database???

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  • change img src on select box selection

    - by user1871596
    i have a form that auto populates input fields using jquery and ajax i can not get the img url to change in the img src when i select the option from dropdown my dropdown is dynamicaly populated here is is my function <script type="text/javascript"> $(document).ready(function(){ $("#id").change(function(){ $.ajax({ url : 'get_driver_data2.php', type : 'POST', dataType: 'json', data : $('#ContactTrucks').serialize(), success: function( data ) { for(var id in data) { $(id).val( data[id] ); } } }); }); }); </script> here is get_driver_data2.php <?php include ('dbc.php'); $id_selected = $_POST['id']; // Selected Id $query = "SELECT * from admin_dispatch_records where id = '$id_selected' AND driver LIKE '%$username%'"; $result = mysqli_query($dbcon, $query); while ($row = mysqli_fetch_array($result, MYSQLI_ASSOC)) { $eta = $row['eta']; $time = $row['dispatch_time']; $date = $row['dispatch_date']; $name = $row['name']; $phone = $row['phone']; $vehicleyear = $row['vehicleyear']; $color = $row['color']; $make = $row['make']; $model = $row['model']; $vin = $row['vin']; $plate = $row['plate']; $mileage = $row['mileage']; $pickup = $row['pickup']; $dropoff = $row['dropoff']; $price = $row['price']; $invoice = $row['invoice']; $cash = $row['cash']; $credit = $row['credit']; $check = $row['check']; $po = $row['po']; $billed = $row['billed']; $need_to_bill = $row['need_to_bill']; $getphoto = $row['image_path']; } $arr = array( 'input#eta' => $eta, 'input#dispatch_time' => $time, 'input#dispatch_date' => $date, 'input#name' => $name, 'input#phone' => $phone, 'input#vehicleyear' => $vehicleyear, 'input#color' => $color, 'input#make' => $make, 'input#model' => $model, 'input#vin' => $vin, 'input#plate' => $plate, 'input#mileage' => $mileage, 'textarea#pickup' => $pickup, 'textarea#dropoff' => $dropoff, 'input#price' => $price, 'input#invoice' => $invoice, 'input#cash' => $cash, 'input#credit' => $credit, 'input#check' => $check, 'input#po' => $po, 'input#billed' => $billed, 'input#need_to_bill' => $need_to_bill, 'image#image_path' => $getphoto); echo json_encode( $arr ); ?> a bit of the html <td> <img id="image_path" src="????" /> </td> </tr> </table> <p><strong> <input type="submit" value="Complete Dispatch"> </strong></p> how do i if at all possible populate the src with the database vaule ajax recieved when i change the select box all other data is populated and the string is returned correctlly i have tested that by placing an input box and calling input#image_path = $getphoto. is there syntax for an img tag like the input....textarea....etc. I have tried including the get....php inline and assigning the src to $getphoto no luck there I was looking at trying to make a hidden input field with the ajax passed data and then taking that data and making it a var but can not figure that out either. thanks

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  • Is there a Telecommunications Reference Architecture?

    - by raul.goycoolea
    @font-face { font-family: "Arial"; }@font-face { font-family: "Courier New"; }@font-face { font-family: "Wingdings"; }@font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }div.Section1 { page: Section1; }ol { margin-bottom: 0cm; }ul { margin-bottom: 0cm; } Abstract   Reference architecture provides needed architectural information that can be provided in advance to an enterprise to enable consistent architectural best practices. Enterprise Reference Architecture helps business owners to actualize their strategies, vision, objectives, and principles. It evaluates the IT systems, based on Reference Architecture goals, principles, and standards. It helps to reduce IT costs by increasing functionality, availability, scalability, etc. Telecom Reference Architecture provides customers with the flexibility to view bundled service bills online with the provision of multiple services. It provides real-time, flexible billing and charging systems, to handle complex promotions, discounts, and settlements with multiple parties. This paper attempts to describe the Reference Architecture for the Telecom Enterprises. It lays the foundation for a Telecom Reference Architecture by articulating the requirements, drivers, and pitfalls for telecom service providers. It describes generic reference architecture for telecom enterprises and moves on to explain how to achieve Enterprise Reference Architecture by using SOA.   Introduction   A Reference Architecture provides a methodology, set of practices, template, and standards based on a set of successful solutions implemented earlier. These solutions have been generalized and structured for the depiction of both a logical and a physical architecture, based on the harvesting of a set of patterns that describe observations in a number of successful implementations. It helps as a reference for the various architectures that an enterprise can implement to solve various problems. It can be used as the starting point or the point of comparisons for various departments/business entities of a company, or for the various companies for an enterprise. It provides multiple views for multiple stakeholders.   Major artifacts of the Enterprise Reference Architecture are methodologies, standards, metadata, documents, design patterns, etc.   Purpose of Reference Architecture   In most cases, architects spend a lot of time researching, investigating, defining, and re-arguing architectural decisions. It is like reinventing the wheel as their peers in other organizations or even the same organization have already spent a lot of time and effort defining their own architectural practices. This prevents an organization from learning from its own experiences and applying that knowledge for increased effectiveness.   Reference architecture provides missing architectural information that can be provided in advance to project team members to enable consistent architectural best practices.   Enterprise Reference Architecture helps an enterprise to achieve the following at the abstract level:   ·       Reference architecture is more of a communication channel to an enterprise ·       Helps the business owners to accommodate to their strategies, vision, objectives, and principles. ·       Evaluates the IT systems based on Reference Architecture Principles ·       Reduces IT spending through increasing functionality, availability, scalability, etc ·       A Real-time Integration Model helps to reduce the latency of the data updates Is used to define a single source of Information ·       Provides a clear view on how to manage information and security ·       Defines the policy around the data ownership, product boundaries, etc. ·       Helps with cost optimization across project and solution portfolios by eliminating unused or duplicate investments and assets ·       Has a shorter implementation time and cost   Once the reference architecture is in place, the set of architectural principles, standards, reference models, and best practices ensure that the aligned investments have the greatest possible likelihood of success in both the near term and the long term (TCO).     Common pitfalls for Telecom Service Providers   Telecom Reference Architecture serves as the first step towards maturity for a telecom service provider. During the course of our assignments/experiences with telecom players, we have come across the following observations – Some of these indicate a lack of maturity of the telecom service provider:   ·       In markets that are growing and not so mature, it has been observed that telcos have a significant amount of in-house or home-grown applications. In some of these markets, the growth has been so rapid that IT has been unable to cope with business demands. Telcos have shown a tendency to come up with workarounds in their IT applications so as to meet business needs. ·       Even for core functions like provisioning or mediation, some telcos have tried to manage with home-grown applications. ·       Most of the applications do not have the required scalability or maintainability to sustain growth in volumes or functionality. ·       Applications face interoperability issues with other applications in the operator's landscape. Integrating a new application or network element requires considerable effort on the part of the other applications. ·       Application boundaries are not clear, and functionality that is not in the initial scope of that application gets pushed onto it. This results in the development of the multiple, small applications without proper boundaries. ·       Usage of Legacy OSS/BSS systems, poor Integration across Multiple COTS Products and Internal Systems. Most of the Integrations are developed on ad-hoc basis and Point-to-Point Integration. ·       Redundancy of the business functions in different applications • Fragmented data across the different applications and no integrated view of the strategic data • Lot of performance Issues due to the usage of the complex integration across OSS and BSS systems   However, this is where the maturity of the telecom industry as a whole can be of help. The collaborative efforts of telcos to overcome some of these problems have resulted in bodies like the TM Forum. They have come up with frameworks for business processes, data, applications, and technology for telecom service providers. These could be a good starting point for telcos to clean up their enterprise landscape.   Industry Trends in Telecom Reference Architecture   Telecom reference architectures are evolving rapidly because telcos are facing business and IT challenges.   “The reality is that there probably is no killer application, no silver bullet that the telcos can latch onto to carry them into a 21st Century.... Instead, there are probably hundreds – perhaps thousands – of niche applications.... And the only way to find which of these works for you is to try out lots of them, ramp up the ones that work, and discontinue the ones that fail.” – Martin Creaner President & CTO TM Forum.   The following trends have been observed in telecom reference architecture:   ·       Transformation of business structures to align with customer requirements ·       Adoption of more Internet-like technical architectures. The Web 2.0 concept is increasingly being used. ·       Virtualization of the traditional operations support system (OSS) ·       Adoption of SOA to support development of IP-based services ·       Adoption of frameworks like Service Delivery Platforms (SDPs) and IP Multimedia Subsystem ·       (IMS) to enable seamless deployment of various services over fixed and mobile networks ·       Replacement of in-house, customized, and stove-piped OSS/BSS with standards-based COTS products ·       Compliance with industry standards and frameworks like eTOM, SID, and TAM to enable seamless integration with other standards-based products   Drivers of Reference Architecture   The drivers of the Reference Architecture are Reference Architecture Goals, Principles, and Enterprise Vision and Telecom Transformation. The details are depicted below diagram. @font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoCaption, li.MsoCaption, div.MsoCaption { margin: 0cm 0cm 10pt; font-size: 9pt; font-family: "Times New Roman"; color: rgb(79, 129, 189); font-weight: bold; }div.Section1 { page: Section1; } Figure 1. Drivers for Reference Architecture @font-face { font-family: "Arial"; }@font-face { font-family: "Courier New"; }@font-face { font-family: "Wingdings"; }@font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }div.Section1 { page: Section1; }ol { margin-bottom: 0cm; }ul { margin-bottom: 0cm; } Today’s telecom reference architectures should seamlessly integrate traditional legacy-based applications and transition to next-generation network technologies (e.g., IP multimedia subsystems). This has resulted in new requirements for flexible, real-time billing and OSS/BSS systems and implications on the service provider’s organizational requirements and structure.   Telecom reference architectures are today expected to:   ·       Integrate voice, messaging, email and other VAS over fixed and mobile networks, back end systems ·       Be able to provision multiple services and service bundles • Deliver converged voice, video and data services ·       Leverage the existing Network Infrastructure ·       Provide real-time, flexible billing and charging systems to handle complex promotions, discounts, and settlements with multiple parties. ·       Support charging of advanced data services such as VoIP, On-Demand, Services (e.g.  Video), IMS/SIP Services, Mobile Money, Content Services and IPTV. ·       Help in faster deployment of new services • Serve as an effective platform for collaboration between network IT and business organizations ·       Harness the potential of converging technology, networks, devices and content to develop multimedia services and solutions of ever-increasing sophistication on a single Internet Protocol (IP) ·       Ensure better service delivery and zero revenue leakage through real-time balance and credit management ·       Lower operating costs to drive profitability   Enterprise Reference Architecture   The Enterprise Reference Architecture (RA) fills the gap between the concepts and vocabulary defined by the reference model and the implementation. Reference architecture provides detailed architectural information in a common format such that solutions can be repeatedly designed and deployed in a consistent, high-quality, supportable fashion. This paper attempts to describe the Reference Architecture for the Telecom Application Usage and how to achieve the Enterprise Level Reference Architecture using SOA.   • Telecom Reference Architecture • Enterprise SOA based Reference Architecture   Telecom Reference Architecture   Tele Management Forum’s New Generation Operations Systems and Software (NGOSS) is an architectural framework for organizing, integrating, and implementing telecom systems. NGOSS is a component-based framework consisting of the following elements:   ·       The enhanced Telecom Operations Map (eTOM) is a business process framework. ·       The Shared Information Data (SID) model provides a comprehensive information framework that may be specialized for the needs of a particular organization. ·       The Telecom Application Map (TAM) is an application framework to depict the functional footprint of applications, relative to the horizontal processes within eTOM. ·       The Technology Neutral Architecture (TNA) is an integrated framework. TNA is an architecture that is sustainable through technology changes.   NGOSS Architecture Standards are:   ·       Centralized data ·       Loosely coupled distributed systems ·       Application components/re-use  ·       A technology-neutral system framework with technology specific implementations ·       Interoperability to service provider data/processes ·       Allows more re-use of business components across multiple business scenarios ·       Workflow automation   The traditional operator systems architecture consists of four layers,   ·       Business Support System (BSS) layer, with focus toward customers and business partners. Manages order, subscriber, pricing, rating, and billing information. ·       Operations Support System (OSS) layer, built around product, service, and resource inventories. ·       Networks layer – consists of Network elements and 3rd Party Systems. ·       Integration Layer – to maximize application communication and overall solution flexibility.   Reference architecture for telecom enterprises is depicted below. @font-face { font-family: "Arial"; }@font-face { font-family: "Courier New"; }@font-face { font-family: "Wingdings"; }@font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoCaption, li.MsoCaption, div.MsoCaption { margin: 0cm 0cm 10pt; font-size: 9pt; font-family: "Times New Roman"; color: rgb(79, 129, 189); font-weight: bold; }p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }div.Section1 { page: Section1; }ol { margin-bottom: 0cm; }ul { margin-bottom: 0cm; } Figure 2. Telecom Reference Architecture   The major building blocks of any Telecom Service Provider architecture are as follows:   1. Customer Relationship Management   CRM encompasses the end-to-end lifecycle of the customer: customer initiation/acquisition, sales, ordering, and service activation, customer care and support, proactive campaigns, cross sell/up sell, and retention/loyalty.   CRM also includes the collection of customer information and its application to personalize, customize, and integrate delivery of service to a customer, as well as to identify opportunities for increasing the value of the customer to the enterprise.   The key functionalities related to Customer Relationship Management are   ·       Manage the end-to-end lifecycle of a customer request for products. ·       Create and manage customer profiles. ·       Manage all interactions with customers – inquiries, requests, and responses. ·       Provide updates to Billing and other south bound systems on customer/account related updates such as customer/ account creation, deletion, modification, request bills, final bill, duplicate bills, credit limits through Middleware. ·       Work with Order Management System, Product, and Service Management components within CRM. ·       Manage customer preferences – Involve all the touch points and channels to the customer, including contact center, retail stores, dealers, self service, and field service, as well as via any media (phone, face to face, web, mobile device, chat, email, SMS, mail, the customer's bill, etc.). ·       Support single interface for customer contact details, preferences, account details, offers, customer premise equipment, bill details, bill cycle details, and customer interactions.   CRM applications interact with customers through customer touch points like portals, point-of-sale terminals, interactive voice response systems, etc. The requests by customers are sent via fulfillment/provisioning to billing system for ordering processing.   2. Billing and Revenue Management   Billing and Revenue Management handles the collection of appropriate usage records and production of timely and accurate bills – for providing pre-bill usage information and billing to customers; for processing their payments; and for performing payment collections. In addition, it handles customer inquiries about bills, provides billing inquiry status, and is responsible for resolving billing problems to the customer's satisfaction in a timely manner. This process grouping also supports prepayment for services.   The key functionalities provided by these applications are   ·       To ensure that enterprise revenue is billed and invoices delivered appropriately to customers. ·       To manage customers’ billing accounts, process their payments, perform payment collections, and monitor the status of the account balance. ·       To ensure the timely and effective fulfillment of all customer bill inquiries and complaints. ·       Collect the usage records from mediation and ensure appropriate rating and discounting of all usage and pricing. ·       Support revenue sharing; split charging where usage is guided to an account different from the service consumer. ·       Support prepaid and post-paid rating. ·       Send notification on approach / exceeding the usage thresholds as enforced by the subscribed offer, and / or as setup by the customer. ·       Support prepaid, post paid, and hybrid (where some services are prepaid and the rest of the services post paid) customers and conversion from post paid to prepaid, and vice versa. ·       Support different billing function requirements like charge prorating, promotion, discount, adjustment, waiver, write-off, account receivable, GL Interface, late payment fee, credit control, dunning, account or service suspension, re-activation, expiry, termination, contract violation penalty, etc. ·       Initiate direct debit to collect payment against an invoice outstanding. ·       Send notification to Middleware on different events; for example, payment receipt, pre-suspension, threshold exceed, etc.   Billing systems typically get usage data from mediation systems for rating and billing. They get provisioning requests from order management systems and inquiries from CRM systems. Convergent and real-time billing systems can directly get usage details from network elements.   3. Mediation   Mediation systems transform/translate the Raw or Native Usage Data Records into a general format that is acceptable to billing for their rating purposes.   The following lists the high-level roles and responsibilities executed by the Mediation system in the end-to-end solution.   ·       Collect Usage Data Records from different data sources – like network elements, routers, servers – via different protocol and interfaces. ·       Process Usage Data Records – Mediation will process Usage Data Records as per the source format. ·       Validate Usage Data Records from each source. ·       Segregates Usage Data Records coming from each source to multiple, based on the segregation requirement of end Application. ·       Aggregates Usage Data Records based on the aggregation rule if any from different sources. ·       Consolidates multiple Usage Data Records from each source. ·       Delivers formatted Usage Data Records to different end application like Billing, Interconnect, Fraud Management, etc. ·       Generates audit trail for incoming Usage Data Records and keeps track of all the Usage Data Records at various stages of mediation process. ·       Checks duplicate Usage Data Records across files for a given time window.   4. Fulfillment   This area is responsible for providing customers with their requested products in a timely and correct manner. It translates the customer's business or personal need into a solution that can be delivered using the specific products in the enterprise's portfolio. This process informs the customers of the status of their purchase order, and ensures completion on time, as well as ensuring a delighted customer. These processes are responsible for accepting and issuing orders. They deal with pre-order feasibility determination, credit authorization, order issuance, order status and tracking, customer update on customer order activities, and customer notification on order completion. Order management and provisioning applications fall into this category.   The key functionalities provided by these applications are   ·       Issuing new customer orders, modifying open customer orders, or canceling open customer orders; ·       Verifying whether specific non-standard offerings sought by customers are feasible and supportable; ·       Checking the credit worthiness of customers as part of the customer order process; ·       Testing the completed offering to ensure it is working correctly; ·       Updating of the Customer Inventory Database to reflect that the specific product offering has been allocated, modified, or cancelled; ·       Assigning and tracking customer provisioning activities; ·       Managing customer provisioning jeopardy conditions; and ·       Reporting progress on customer orders and other processes to customer.   These applications typically get orders from CRM systems. They interact with network elements and billing systems for fulfillment of orders.   5. Enterprise Management   This process area includes those processes that manage enterprise-wide activities and needs, or have application within the enterprise as a whole. They encompass all business management processes that   ·       Are necessary to support the whole of the enterprise, including processes for financial management, legal management, regulatory management, process, cost, and quality management, etc.;   ·       Are responsible for setting corporate policies, strategies, and directions, and for providing guidelines and targets for the whole of the business, including strategy development and planning for areas, such as Enterprise Architecture, that are integral to the direction and development of the business;   ·       Occur throughout the enterprise, including processes for project management, performance assessments, cost assessments, etc.     (i) Enterprise Risk Management:   Enterprise Risk Management focuses on assuring that risks and threats to the enterprise value and/or reputation are identified, and appropriate controls are in place to minimize or eliminate the identified risks. The identified risks may be physical or logical/virtual. Successful risk management ensures that the enterprise can support its mission critical operations, processes, applications, and communications in the face of serious incidents such as security threats/violations and fraud attempts. Two key areas covered in Risk Management by telecom operators are:   ·       Revenue Assurance: Revenue assurance system will be responsible for identifying revenue loss scenarios across components/systems, and will help in rectifying the problems. The following lists the high-level roles and responsibilities executed by the Revenue Assurance system in the end-to-end solution. o   Identify all usage information dropped when networks are being upgraded. o   Interconnect bill verification. o   Identify where services are routinely provisioned but never billed. o   Identify poor sales policies that are intensifying collections problems. o   Find leakage where usage is sent to error bucket and never billed for. o   Find leakage where field service, CRM, and network build-out are not optimized.   ·       Fraud Management: Involves collecting data from different systems to identify abnormalities in traffic patterns, usage patterns, and subscription patterns to report suspicious activity that might suggest fraudulent usage of resources, resulting in revenue losses to the operator.   The key roles and responsibilities of the system component are as follows:   o   Fraud management system will capture and monitor high usage (over a certain threshold) in terms of duration, value, and number of calls for each subscriber. The threshold for each subscriber is decided by the system and fixed automatically. o   Fraud management will be able to detect the unauthorized access to services for certain subscribers. These subscribers may have been provided unauthorized services by employees. The component will raise the alert to the operator the very first time of such illegal calls or calls which are not billed. o   The solution will be to have an alarm management system that will deliver alarms to the operator/provider whenever it detects a fraud, thus minimizing fraud by catching it the first time it occurs. o   The Fraud Management system will be capable of interfacing with switches, mediation systems, and billing systems   (ii) Knowledge Management   This process focuses on knowledge management, technology research within the enterprise, and the evaluation of potential technology acquisitions.   Key responsibilities of knowledge base management are to   ·       Maintain knowledge base – Creation and updating of knowledge base on ongoing basis. ·       Search knowledge base – Search of knowledge base on keywords or category browse ·       Maintain metadata – Management of metadata on knowledge base to ensure effective management and search. ·       Run report generator. ·       Provide content – Add content to the knowledge base, e.g., user guides, operational manual, etc.   (iii) Document Management   It focuses on maintaining a repository of all electronic documents or images of paper documents relevant to the enterprise using a system.   (iv) Data Management   It manages data as a valuable resource for any enterprise. For telecom enterprises, the typical areas covered are Master Data Management, Data Warehousing, and Business Intelligence. It is also responsible for data governance, security, quality, and database management.   Key responsibilities of Data Management are   ·       Using ETL, extract the data from CRM, Billing, web content, ERP, campaign management, financial, network operations, asset management info, customer contact data, customer measures, benchmarks, process data, e.g., process inputs, outputs, and measures, into Enterprise Data Warehouse. ·       Management of data traceability with source, data related business rules/decisions, data quality, data cleansing data reconciliation, competitors data – storage for all the enterprise data (customer profiles, products, offers, revenues, etc.) ·       Get online update through night time replication or physical backup process at regular frequency. ·       Provide the data access to business intelligence and other systems for their analysis, report generation, and use.   (v) Business Intelligence   It uses the Enterprise Data to provide the various analysis and reports that contain prospects and analytics for customer retention, acquisition of new customers due to the offers, and SLAs. It will generate right and optimized plans – bolt-ons for the customers.   The following lists the high-level roles and responsibilities executed by the Business Intelligence system at the Enterprise Level:   ·       It will do Pattern analysis and reports problem. ·       It will do Data Analysis – Statistical analysis, data profiling, affinity analysis of data, customer segment wise usage patterns on offers, products, service and revenue generation against services and customer segments. ·       It will do Performance (business, system, and forecast) analysis, churn propensity, response time, and SLAs analysis. ·       It will support for online and offline analysis, and report drill down capability. ·       It will collect, store, and report various SLA data. ·       It will provide the necessary intelligence for marketing and working on campaigns, etc., with cost benefit analysis and predictions.   It will advise on customer promotions with additional services based on loyalty and credit history of customer   ·       It will Interface with Enterprise Data Management system for data to run reports and analysis tasks. It will interface with the campaign schedules, based on historical success evidence.   (vi) Stakeholder and External Relations Management   It manages the enterprise's relationship with stakeholders and outside entities. Stakeholders include shareholders, employee organizations, etc. Outside entities include regulators, local community, and unions. Some of the processes within this grouping are Shareholder Relations, External Affairs, Labor Relations, and Public Relations.   (vii) Enterprise Resource Planning   It is used to manage internal and external resources, including tangible assets, financial resources, materials, and human resources. Its purpose is to facilitate the flow of information between all business functions inside the boundaries of the enterprise and manage the connections to outside stakeholders. ERP systems consolidate all business operations into a uniform and enterprise wide system environment.   The key roles and responsibilities for Enterprise System are given below:   ·        It will handle responsibilities such as core accounting, financial, and management reporting. ·       It will interface with CRM for capturing customer account and details. ·       It will interface with billing to capture the billing revenue and other financial data. ·       It will be responsible for executing the dunning process. Billing will send the required feed to ERP for execution of dunning. ·       It will interface with the CRM and Billing through batch interfaces. Enterprise management systems are like horizontals in the enterprise and typically interact with all major telecom systems. E.g., an ERP system interacts with CRM, Fulfillment, and Billing systems for different kinds of data exchanges.   6. External Interfaces/Touch Points   The typical external parties are customers, suppliers/partners, employees, shareholders, and other stakeholders. External interactions from/to a Service Provider to other parties can be achieved by a variety of mechanisms, including:   ·       Exchange of emails or faxes ·       Call Centers ·       Web Portals ·       Business-to-Business (B2B) automated transactions   These applications provide an Internet technology driven interface to external parties to undertake a variety of business functions directly for themselves. These can provide fully or partially automated service to external parties through various touch points.   Typical characteristics of these touch points are   ·       Pre-integrated self-service system, including stand-alone web framework or integration front end with a portal engine ·       Self services layer exposing atomic web services/APIs for reuse by multiple systems across the architectural environment ·       Portlets driven connectivity exposing data and services interoperability through a portal engine or web application   These touch points mostly interact with the CRM systems for requests, inquiries, and responses.   7. Middleware   The component will be primarily responsible for integrating the different systems components under a common platform. It should provide a Standards-Based Platform for building Service Oriented Architecture and Composite Applications. The following lists the high-level roles and responsibilities executed by the Middleware component in the end-to-end solution.   ·       As an integration framework, covering to and fro interfaces ·       Provide a web service framework with service registry. ·       Support SOA framework with SOA service registry. ·       Each of the interfaces from / to Middleware to other components would handle data transformation, translation, and mapping of data points. ·       Receive data from the caller / activate and/or forward the data to the recipient system in XML format. ·       Use standard XML for data exchange. ·       Provide the response back to the service/call initiator. ·       Provide a tracking until the response completion. ·       Keep a store transitional data against each call/transaction. ·       Interface through Middleware to get any information that is possible and allowed from the existing systems to enterprise systems; e.g., customer profile and customer history, etc. ·       Provide the data in a common unified format to the SOA calls across systems, and follow the Enterprise Architecture directive. ·       Provide an audit trail for all transactions being handled by the component.   8. Network Elements   The term Network Element means a facility or equipment used in the provision of a telecommunications service. Such terms also includes features, functions, and capabilities that are provided by means of such facility or equipment, including subscriber numbers, databases, signaling systems, and information sufficient for billing and collection or used in the transmission, routing, or other provision of a telecommunications service.   Typical network elements in a GSM network are Home Location Register (HLR), Intelligent Network (IN), Mobile Switching Center (MSC), SMS Center (SMSC), and network elements for other value added services like Push-to-talk (PTT), Ring Back Tone (RBT), etc.   Network elements are invoked when subscribers use their telecom devices for any kind of usage. These elements generate usage data and pass it on to downstream systems like mediation and billing system for rating and billing. They also integrate with provisioning systems for order/service fulfillment.   9. 3rd Party Applications   3rd Party systems are applications like content providers, payment gateways, point of sale terminals, and databases/applications maintained by the Government.   Depending on applicability and the type of functionality provided by 3rd party applications, the integration with different telecom systems like CRM, provisioning, and billing will be done.   10. Service Delivery Platform   A service delivery platform (SDP) provides the architecture for the rapid deployment, provisioning, execution, management, and billing of value added telecom services. SDPs are based on the concept of SOA and layered architecture. They support the delivery of voice, data services, and content in network and device-independent fashion. They allow application developers to aggregate network capabilities, services, and sources of content. SDPs typically contain layers for web services exposure, service application development, and network abstraction.   SOA Reference Architecture   SOA concept is based on the principle of developing reusable business service and building applications by composing those services, instead of building monolithic applications in silos. It’s about bridging the gap between business and IT through a set of business-aligned IT services, using a set of design principles, patterns, and techniques.   In an SOA, resources are made available to participants in a value net, enterprise, line of business (typically spanning multiple applications within an enterprise or across multiple enterprises). It consists of a set of business-aligned IT services that collectively fulfill an organization’s business processes and goals. We can choreograph these services into composite applications and invoke them through standard protocols. SOA, apart from agility and reusability, enables:   ·       The business to specify processes as orchestrations of reusable services ·       Technology agnostic business design, with technology hidden behind service interface ·       A contractual-like interaction between business and IT, based on service SLAs ·       Accountability and governance, better aligned to business services ·       Applications interconnections untangling by allowing access only through service interfaces, reducing the daunting side effects of change ·       Reduced pressure to replace legacy and extended lifetime for legacy applications, through encapsulation in services   ·       A Cloud Computing paradigm, using web services technologies, that makes possible service outsourcing on an on-demand, utility-like, pay-per-usage basis   The following section represents the Reference Architecture of logical view for the Telecom Solution. The new custom built application needs to align with this logical architecture in the long run to achieve EA benefits.   Packaged implementation applications, such as ERP billing applications, need to expose their functions as service providers (as other applications consume) and interact with other applications as service consumers.   COT applications need to expose services through wrappers such as adapters to utilize existing resources and at the same time achieve Enterprise Architecture goal and objectives.   The following are the various layers for Enterprise level deployment of SOA. This diagram captures the abstract view of Enterprise SOA layers and important components of each layer. Layered architecture means decomposition of services such that most interactions occur between adjacent layers. However, there is no strict rule that top layers should not directly communicate with bottom layers.   The diagram below represents the important logical pieces that would result from overall SOA transformation. @font-face { font-family: "Arial"; }@font-face { font-family: "Courier New"; }@font-face { font-family: "Wingdings"; }@font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoCaption, li.MsoCaption, div.MsoCaption { margin: 0cm 0cm 10pt; font-size: 9pt; font-family: "Times New Roman"; color: rgb(79, 129, 189); font-weight: bold; }p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }div.Section1 { page: Section1; }ol { margin-bottom: 0cm; }ul { margin-bottom: 0cm; } Figure 3. Enterprise SOA Reference Architecture 1.          Operational System Layer: This layer consists of all packaged applications like CRM, ERP, custom built applications, COTS based applications like Billing, Revenue Management, Fulfilment, and the Enterprise databases that are essential and contribute directly or indirectly to the Enterprise OSS/BSS Transformation.   ERP holds the data of Asset Lifecycle Management, Supply Chain, and Advanced Procurement and Human Capital Management, etc.   CRM holds the data related to Order, Sales, and Marketing, Customer Care, Partner Relationship Management, Loyalty, etc.   Content Management handles Enterprise Search and Query. Billing application consists of the following components:   ·       Collections Management, Customer Billing Management, Invoices, Real-Time Rating, Discounting, and Applying of Charges ·       Enterprise databases will hold both the application and service data, whether structured or unstructured.   MDM - Master data majorly consists of Customer, Order, Product, and Service Data.     2.          Enterprise Component Layer:   This layer consists of the Application Services and Common Services that are responsible for realizing the functionality and maintaining the QoS of the exposed services. This layer uses container-based technologies such as application servers to implement the components, workload management, high availability, and load balancing.   Application Services: This Service Layer enables application, technology, and database abstraction so that the complex accessing logic is hidden from the other service layers. This is a basic service layer, which exposes application functionalities and data as reusable services. The three types of the Application access services are:   ·       Application Access Service: This Service Layer exposes application level functionalities as a reusable service between BSS to BSS and BSS to OSS integration. This layer is enabled using disparate technology such as Web Service, Integration Servers, and Adaptors, etc.   ·       Data Access Service: This Service Layer exposes application data services as a reusable reference data service. This is done via direct interaction with application data. and provides the federated query.   ·       Network Access Service: This Service Layer exposes provisioning layer as a reusable service from OSS to OSS integration. This integration service emphasizes the need for high performance, stateless process flows, and distributed design.   Common Services encompasses management of structured, semi-structured, and unstructured data such as information services, portal services, interaction services, infrastructure services, and security services, etc.   3.          Integration Layer:   This consists of service infrastructure components like service bus, service gateway for partner integration, service registry, service repository, and BPEL processor. Service bus will carry the service invocation payloads/messages between consumers and providers. The other important functions expected from it are itinerary based routing, distributed caching of routing information, transformations, and all qualities of service for messaging-like reliability, scalability, and availability, etc. Service registry will hold all contracts (wsdl) of services, and it helps developers to locate or discover service during design time or runtime.   • BPEL processor would be useful in orchestrating the services to compose a complex business scenario or process. • Workflow and business rules management are also required to support manual triggering of certain activities within business process. based on the rules setup and also the state machine information. Application, data, and service mediation layer typically forms the overall composite application development framework or SOA Framework.   4.          Business Process Layer: These are typically the intermediate services layer and represent Shared Business Process Services. At Enterprise Level, these services are from Customer Management, Order Management, Billing, Finance, and Asset Management application domains.   5.          Access Layer: This layer consists of portals for Enterprise and provides a single view of Enterprise information management and dashboard services.   6.          Channel Layer: This consists of various devices; applications that form part of extended enterprise; browsers through which users access the applications.   7.          Client Layer: This designates the different types of users accessing the enterprise applications. The type of user typically would be an important factor in determining the level of access to applications.   8.          Vertical pieces like management, monitoring, security, and development cut across all horizontal layers Management and monitoring involves all aspects of SOA-like services, SLAs, and other QoS lifecycle processes for both applications and services surrounding SOA governance.     9.          EA Governance, Reference Architecture, Roadmap, Principles, and Best Practices:   EA Governance is important in terms of providing the overall direction to SOA implementation within the enterprise. This involves board-level involvement, in addition to business and IT executives. At a high level, this involves managing the SOA projects implementation, managing SOA infrastructure, and controlling the entire effort through all fine-tuned IT processes in accordance with COBIT (Control Objectives for Information Technology).   Devising tools and techniques to promote reuse culture, and the SOA way of doing things needs competency centers to be established in addition to training the workforce to take up new roles that are suited to SOA journey.   Conclusions   Reference Architectures can serve as the basis for disparate architecture efforts throughout the organization, even if they use different tools and technologies. Reference architectures provide best practices and approaches in the independent way a vendor deals with technology and standards. Reference Architectures model the abstract architectural elements for an enterprise independent of the technologies, protocols, and products that are used to implement an SOA. Telecom enterprises today are facing significant business and technology challenges due to growing competition, a multitude of services, and convergence. Adopting architectural best practices could go a long way in meeting these challenges. The use of SOA-based architecture for communication to each of the external systems like Billing, CRM, etc., in OSS/BSS system has made the architecture very loosely coupled, with greater flexibility. Any change in the external systems would be absorbed at the Integration Layer without affecting the rest of the ecosystem. The use of a Business Process Management (BPM) tool makes the management and maintenance of the business processes easy, with better performance in terms of lead time, quality, and cost. Since the Architecture is based on standards, it will lower the cost of deploying and managing OSS/BSS applications over their lifecycles.

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  • More Mobile Payments

    - by David Dorf
    In the previous post I discussed the Bump Payments from PayPayl, but that's not the only innovative way to make purchases using your phone. Verizon recently announced a partnership with Danal that allows shoppers to charge online purchases to their Verizon bill. For e-commerce sites that accept this type of payment, it's a two step process. At checkout, the shopper enters their mobile number and billing zip code. Then a SMS message is sent to the mobile phone that contains a one-time code that must be entered on the e-commerce site. This two-factor authentication seems pretty secure, and no pre-registration or credit card is necessary. There's a $25 a month maximum, but I bet the limit gets raised as Verizon gets more comfortable with security. Merchants are charged a fee similar to credit card fees. Another example of mobile payments is offered by BlingNation. Customers attach a small NFC sticker to their phones that allows them to "tap" the POS device to make a payment. The NFC chip is connected to their checking account, so the transaction is treated as a debit payment. Text messages are sent to the mobile that confirm the payments so shoppers can easily verify their purchases. BlingNation is working with banks like Adirondack Trust Company and The State Bank of La Junta in Colorado. Heck, you can even send money to inmates in the Arkansas prison system using your mobile phone now that the state of Arkansas supports payments via their mobile website. Everyone is getting into the act now.

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  • Your finger prints may unlock your iPhone and it’s digital wallets

    - by Gopinath
    The next version of iPhone is going to have a biometric sensor which may allow your finger prints to authenticate and authorize – unlock the device, sign in to an account, authorize a credit card transaction, etc . The iOS 7 beta 4 released couple of days ago had many traces of biometric software libraries embedded in the OS and they make it pretty clear that Apple is preparing a new iPhone with finger sensor. Biometric sensors are not something new in digital devices. Most of us have been already using them on your laptops to unlock the computers as well as to launch applications. Though these sensors are available in many devices, they are hardly reliable. My personal laptop has a biometric sensor and half of the time either it does not work or it does not recognize my finger prints. When works, it works like a charm and very easy to unlock my device. But Apple is known for delivering great products by nailing down technical challenges and blending technology with beautiful user interfaces.  They had been doing when Steve Jobs was leading the pack and hope his legacy will be carried forward by Tim Cook by delivering amazing products in coming months.  I expect iPhone finger sensors to work flawlessly. Photo credit: flickr/nettsu

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  • Want to book hotel stay using Bitcoin? Book using Expedia.com

    - by Gopinath
    The online travel booking leader Expedia announced that it started accepting Bitcoins for booking hotels on its website. For those who are new to Bitcoin, it is a digital currency in which transactions can be performed without the need for a central bank – its more like internet of currency. At the moment Expedia is accepting Bitcoin payments only for hotel bookings and in the future it may allow flights and vacation packages bookings. When Expedia customers wants to pay for a hotel using Bitcoin then they are transferred to Coinbase, a third party bit coin processor, for accepting the payments and then they are redirected back to Expedia.com to complete booking. This simple process would definitely drive mainstream adoption of Bitcoin – a win-win situation for digital currency users as well as for the travel company as they save a lot on card processing fees. Online retailers pay around 3% of transaction amount as fees for credit card processing companies like Visa & Master when they accept cards, but Coinbase charges a fee of just 1 percent for processing Bitcoins. Irrespective of customers adoption to Bitcoin based payments on Expedia as well as the savings on transaction fees, this move would give bragging rights to Expedia being the first e-commerce giant to accept digital currency! Image credit: Jonathan Caves

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