24 MOBILE
MOBILE MONEY APP ‘SETTLES’ ON BIRMINGHAM
the process of recruiting local merchants to accept payments, with Urban Coffee Company’s two outlets already signed up and taking part. Aquarone said: “Our intention is to encourage people to use Settle instead of cash. So
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users will be able to top up their account in units of £10 using any debit card. Sending and receiving money is then as easy as cash, but you can do it from anywhere in the world by just choosing someone from your phone book or entering their email address. If they don’t have Settle yet, we’ll send them an email inviting them to sign up. “Paying for things in shops is easy too – you just scan a special bar code with your phone
when you reach the till.” Simon Jenner, founder of the Urban Coffee Company, added: “We are always searching
for ways to engage with our customers and provide more value for them. “One of our current frustrations is the cost of taking card payments and the time it takes
for that payment to take place at the till. All this slows down our ability to deliver amazing coffee so, when we were approached about the beta test, we jumped at the opportunity.” Aquarone concluded: “We believe Settle has the potential to change the way payments are made all over the world…it’s easy to understand, free to download and fun to use. “If we can get 50 merchants signed up and successfully using it in Birmingham, it will give us a fairly compelling argument for other cities to follow suit.”
REPORT FINDS MOBILITY BOOSTS SECURITY
A new network for mobile and wireless technology professionals recently published a report advocating that mobile technologies can boost enterprise security.
The report, compiled by the
Enterprise Mobility Network, a resource for professionals working with or around mobile technologies, highlights that 80% of businesses lack basic mobile policy, but defi nes what strategies can help to reduce the associated risks. It details the categories of risk associated with going mobile and fi ve steps that can improve the security profi le of a business deploying mobile technologies. Much of this initial activity requires little or no immediate investment. For example, for the eight out of 10 businesses without a basic mobile device
RETAIL TECHNOLOGY MAY/JUNE 2012
policy, the lowest hanging fruit is a simple do’s and don’ts checklist. The report also identifi es six key tactics to turn mobility into a key platform of increased security. They are: - End-to-end encryption - Geo-location via GPS or triangulation - Biometric identifi cation as part of shared devices
- The use of one-time passcodes (OTP) for authentication
- Out of band (OOB) – the use, segmentation and securing of individual voice/text/data channels if compromise occurs on any single channel
- Secure element – a chip inside the phone as a secure, encrypted radio frequency identifi cation (RFID) source of credentials.
In addition, the report investigates how a major High Street retailer is managing a mix of dedicated and ‘bring your own device’ (BYOD) in its stores and the different applications it is fi nding for mobile technologies. Sharon Clancy, editor in chief of the
Enterprise Mobility Network, commented: “It is clear that the walls of Jericho that once surrounded corporate information and the infrastructure over which it fl owed, have long since come down. Be it an iPad as part of a BYOD policy, ruggedised hardware in a delivery van, SMS details of a job sent to a mobile phone or even good old fashioned print-outs of customer details, businesses must now have an awareness that security needs to be pervasive without being invasive. And that means a security policy that accounts for mobile.”
irmingham has become the fi rst city in the world to trial a new free app that allows consumers to send payments via a mobile phone text. The creators of Settle, tech entrepreneurs Will Grant and Steffan Aquarone, are in
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