tag:blogger.com,1999:blog-66868087314794693852024-03-13T11:10:49.166-07:00Switched Pathways Consultingposts about enablers for more efficient ePayment infrastructureRick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.comBlogger94125tag:blogger.com,1999:blog-6686808731479469385.post-39848130975674853792013-07-17T12:34:00.001-07:002013-07-17T12:41:23.526-07:00Innovation from PPI's Operational Partner<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/5a3jfadnlsM" width="400"></iframe>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-19816004625951630312013-05-04T06:26:00.001-07:002013-05-04T09:08:03.902-07:00Identity & Greenlist Defined<b>IDENTITY:</b> A representation of an entity in the form of one or more attributes that allow the entity or entities to be sufficiently distinguished within context [ITU-T]<br />
<br />
<b>GREENLIST:</b> A global network of registries that are a specialized source for assured* identity attributes on behalf of issuers whose identity-vetting procedures are trusted by Relying Parties. [PPI]<br />
<br />
<i>*<b> "assured"</b> means highest level of trust...whereby an issuer is compensated for owning liability for binding the publicly discoverable ePayment address with an account owner's PII and an Authoritative Party owns Custodial responsibility for data availability & query fulfillment at scale. Account-owners opt-in to be issued a deposit-only ePayment address which is incapable of being debited. This cloaking technology renders routable account identifiers that are linked to true accounts but <b>safe</b> to be made publicly discoverable by a variety of search means. One's private bank account and/or card numbers remain safely protected inside the bank. Security is achieved through Data Minimization and Use Limitation. One example how this can be used by banks is the new Instant Payment Service by FISGlobal called <a href="http://www.fisglobal.com/products-paymentnetworks-paynet" target="_blank">PayNet™</a></i><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-n51BJ0HGya4/UYUTSpB4F1I/AAAAAAAAJx8/9fcqW0zUdyg/s1600/Slide1.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="340" src="http://4.bp.blogspot.com/-n51BJ0HGya4/UYUTSpB4F1I/AAAAAAAAJx8/9fcqW0zUdyg/s400/Slide1.jpg" width="400" /></a></div>
<div class="separator" style="clear: both; text-align: left;">
<b>WHY BOTHER WITH DNS FOR ePAYMENT ADDRESSES? ...or if you prefer, WHITE PAGES FOR INFORMATIONAL AND MONETARY ASSET TRANSFERS?</b></div>
<div class="separator" style="clear: both; text-align: left;">
<b><br /></b></div>
<div class="separator" style="clear: both; text-align: left;">
<i>In the face of mounting market shifts, new technologies, and regulations, financial institutions must look to new revenue sources. The growth in e-commerce, mobile commerce, and alternative providers adds urgency to that search. An important opportunity, that leverages the considerable FI investment in KYC infrastructure, is the establishment of a “neutrally positioned registry” of payment addresses. Known as the Greenlist<span style="font-size: xx-small;">®1</span>, it is an enabling technology for Immediate funds transfer and, on a larger scale, secure value exchange to support transactions in what is an increasingly internet-dominated global economy.</i></div>
<div class="separator" style="clear: both; text-align: left;">
<i><br /></i></div>
<div class="separator" style="clear: both; text-align: left;">
I prefer to have the banking industry, which is highly regulated throughout the world, vouch for my most important publicly discoverable identity attributes rather than a Google, a PayPal or my government. Banks would love to have new ways to delight their customers with augmented services.</div>
<div class="separator" style="clear: both; text-align: left;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
</div>
<div class="separator" style="clear: both;">
Financial Institutions earn little revenue from online banking while costs increase in authentication and security. Demand exists for Identity Management Services with 1 Billion smart phones in use, 2nd. Billion by 2015 and 129.4M sold in the US alone! Consumers trust banks yet use them less. FIs must figure out how to transition from servicing transactions to performing augmented services such as proactively knowing and telling what they can do for customers. Examples include: news, alerts, advice, knowledge, support, help and <i><b>instant rebates</b></i>.</div>
<div class="separator" style="clear: both;">
<br /></div>
<div class="separator" style="clear: both;">
Finally, I really like the idea that my account numbers never have to leave the safety of the bank's data centers again for me to receive money electronically. This intelligently mitigates my risk that my account could be drained by design! and it helps move the banks along to think how else they can help me.</div>
<div class="separator" style="clear: both;">
<span style="font-size: xx-small;">1: Greenlist is a registered trademark of Payment Pathways, Inc. in the U.S., China, India, EU and registered with licensed permission by BANCwire in several Latin American countries.</span></div>
Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-85736369490198403532012-04-23T04:09:00.000-07:002012-04-23T04:09:08.464-07:00My Excellent Adventure in Space and Sound<div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: x-small;">Camerawork by DeLeon, a Morrissey (NY) Junior College student...Shot at 1:30 AM while waiting for Kyle to meet up with me at FIndlay Market in Cincinnati...I had just arrived from DC via my Iron Horse.</span><iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/6KM-oh3O4kU" width="400"></iframe><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; font-family: Garamond; font-size: 34px;"><a href="http://www.fredericchampion.com/">Frédéric</a> </span><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: x-small;">is playing something from Verdi. </span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: x-small;"><span class="Apple-style-span" style="font-family: Times; font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkMpBGJvyNS6s2PvcfA9WuG7ZfgAhxxzpSVGtV14gOz9JQqs8mqEwhzZ5wSBAFu639HORGYYxeq2x1scRa4dqF1KGJrZ1y9DU7iUxEwcEmcES_KrGKntgU9voIkqJQ8fmgaQ8L6BIRHl-G/s1600/Frederic+Champion.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="181" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkMpBGJvyNS6s2PvcfA9WuG7ZfgAhxxzpSVGtV14gOz9JQqs8mqEwhzZ5wSBAFu639HORGYYxeq2x1scRa4dqF1KGJrZ1y9DU7iUxEwcEmcES_KrGKntgU9voIkqJQ8fmgaQ8L6BIRHl-G/s320/Frederic+Champion.jpg" style="cursor: move;" width="320" /></a></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: x-small;">More pix for this unbelievable gem of a room:<a href="http://www.cincymuseum.org/unionterminal/architecture"> HERE</a></span></div>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-87969441068436886252012-04-14T07:10:00.006-07:002012-04-14T07:31:52.136-07:00Online banking made safer - Sandra Guy, Chi. Sun-Times<div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">ARTICLE: <a href="http://www.suntimes.com/technology/innovation/consumers/11849269-646/online-banking-made-safer.html">Online banking made safer</a></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-mru4QK33PzY/T4mI9YecT9I/AAAAAAAAFNc/e0guBsCrfNk/s1600/dt.common.streams.StreamServer.cls.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="337" src="http://1.bp.blogspot.com/-mru4QK33PzY/T4mI9YecT9I/AAAAAAAAFNc/e0guBsCrfNk/s400/dt.common.streams.StreamServer.cls.jpeg" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">photo gallery: <a href="http://www.suntimes.com/photos/galleries/index.html?story=11849269">here</a></span></div>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-4166527723417169692012-03-06T06:46:00.000-08:002012-03-06T06:46:48.820-08:00BANCwire & Greenlist Press Release<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-EHxrTXtuqPI/T1YjLIU2nyI/AAAAAAAAE1E/NbG7DWIeDOs/s1600/Slide1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="132" src="http://1.bp.blogspot.com/-EHxrTXtuqPI/T1YjLIU2nyI/AAAAAAAAE1E/NbG7DWIeDOs/s400/Slide1.jpg" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Download Press Release: <a href="http://bit.ly/GreenlistPR">HERE</a></span></div>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-43172991448855290312011-12-22T10:04:00.001-08:002012-01-04T15:33:44.626-08:00Where BANCwire competes!<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/-CHNMQSL7EHE/TwThpDp4cdI/AAAAAAAAEsw/BZU6T9z0Pwc/s1600/Slide1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="118" src="http://2.bp.blogspot.com/-CHNMQSL7EHE/TwThpDp4cdI/AAAAAAAAEsw/BZU6T9z0Pwc/s320/Slide1.jpg" width="320" /></a></div><iframe frameborder="no" height="395" marginheight="0" marginwidth="0" scrolling="no" src="http://www.chartfacts.com/chart_frame.php?cid=8761&if=1&nd=1&rsf=1&mbd=1" width="400"></iframe>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com1tag:blogger.com,1999:blog-6686808731479469385.post-21589283840710497322011-12-22T05:42:00.001-08:002012-01-04T15:31:38.486-08:00BANCwire's Impact w/Greenlist<iframe frameborder="no" height="395" marginheight="0" marginwidth="0" scrolling="no" src="http://www.chartfacts.com/chart_frame.php?cid=8759&if=1&nd=1&rsf=1&mbd=1" width="400"></iframe>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-58082999352668222232011-11-30T05:18:00.000-08:002011-11-30T05:18:30.597-08:00Costa Rica Adopts Data Protection Legislation<a href="http://www.insideprivacy.com/costa-rica-adopts-data-protection-legislation/#.TtYtHeROlcI.blogger">Costa Rica Adopts Data Protection Legislation</a>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-49021762306508688232011-11-30T03:53:00.001-08:002011-11-30T04:07:37.264-08:00Quick TimeZone Reference<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: x-small;">Lima</span><embed height="150" src="http://www.clocklink.com/clocks/0002-white.swf?TimeZone=Peru_Lima&Place=&" type="application/x-shockwave-flash" width="150" wmode="transparent"></embed> <span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: x-small;">Chicago</span><embed height="150" src="http://www.clocklink.com/clocks/0002-white.swf?TimeZone=USA_Chicago&Place=&" type="application/x-shockwave-flash" width="150" wmode="transparent"></embed><embed height="150" src="http://www.clocklink.com/clocks/0002-white.swf?TimeZone=Israel_Jerusalem&Place=&" type="application/x-shockwave-flash" width="150" wmode="transparent"></embed><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: x-small;">Tel Aviv</span><embed height="150" src="http://www.clocklink.com/clocks/0002-white.swf?TimeZone=Japan_Tokyo&Place=&" type="application/x-shockwave-flash" width="150" wmode="transparent"></embed><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: x-small;">Tokyo</span>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-88797048887246724332011-11-07T05:24:00.000-08:002011-11-07T05:33:38.071-08:00Can banks keep up the pace?<iframe frameborder="0" height="325" src="http://icharts.net/icharts/embed/O33Vwik=" width="400">&lt;p&gt;&amp;amp;amp;amp;lt;p&amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;lt;p&amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;br /&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt; &amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;span&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;Chart:Mobile Banking App Usage in the U.S. Increases 45%&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;/span&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;br /&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt; &amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;span&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;Mobile banking and credit card app usage has grown an incredible amount since last year. 12.7 million mobile users accessed a banking app in June of this year, which is a 45 percent increase from Q4 2010. 6 million users used a credit card app his year. While it is half the number of unique users as banking app users, its use has increased 43 percent from last year's esitmates.&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;/span&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;br /&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt; &amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;span&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;Tags: comScore, finance, banking, credit card, United States, mobile apps, charts, graphs, infographics&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;/span&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;br /&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt; &amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;span&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;Powered By: &amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;a href = 'http://www.icharts.net'&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;iCharts | create, share, and embed interactive charts online&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;/a&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;/span&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;br /&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;gt; &amp;amp;amp;amp;amp;amp;amp;amp;lt;/p&amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;lt;/p&amp;amp;amp;amp;gt;&lt;/p&gt;</iframe><br />
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">...<span class="Apple-style-span" style="color: #4a4a4a; font-size: 15px; line-height: 22px;">6 million users used a credit card app his year. While it is half the number of unique users as banking app users, its use has increased 43 percent from last year's estimates. Shouldn't we be concerned that social media apps. retain our credit card numbers in a plethora of Card-Not-Present transactions?</span></span>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-37601153085196751882011-10-21T08:38:00.000-07:002011-10-21T08:39:28.538-07:00BofA risks reputational capital with fees<a href="http://news.wustl.edu/news/Pages/22769.aspx#.TqGRq4ezIBg.blogger">Bank of America risks reputational capital with debit card fees</a><br />
<div>Do such moves herald a new class of services to justify fees?</div>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-26862456188365942802011-10-12T04:23:00.000-07:002011-10-12T04:34:04.389-07:00HTML 5 and Switched GigE Pathways<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://3.bp.blogspot.com/-bTR-SiV0nPA/TpV5nvgC8mI/AAAAAAAAEas/gbe7T9QH63k/s1600/POIinc.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="173" src="http://3.bp.blogspot.com/-bTR-SiV0nPA/TpV5nvgC8mI/AAAAAAAAEas/gbe7T9QH63k/s200/POIinc.png" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Inflection Point</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: left;">
HTML 5 provides for survivable disconnect which implies a level of local repository, close caching, pre-loading and edge device independence. Amazon seized the opportunity for leadership in User Experience with their new Fire. Will Amazon allow access its channel to be the new currency that compensates card issuers as risk bearers of payments before other portals reinvent their economic models and catch up?</div>
<a name='more'></a>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-37801218525903498642011-10-11T09:14:00.000-07:002011-10-11T09:14:13.693-07:00Certifying Cloud SafetyAs we get closer to an Internet of Things, will Cloud architecture need to go through a radical change to securely and safely handle IP-connected control systems? Will IP over GigE need to be augmented or replaced by new trust frameworks & protocols? Will the cyber insurance industry study mandates to justify progress?Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-60777397000007051062011-10-11T06:07:00.000-07:002011-10-11T06:09:34.372-07:00NSTIC and EMV Should Merge<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-lVNtztdeHv0/TpQ_1t7yZ8I/AAAAAAAAEaQ/TAJNJoYKeH0/s1600/new-what-357x285.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="255" src="http://4.bp.blogspot.com/-lVNtztdeHv0/TpQ_1t7yZ8I/AAAAAAAAEaQ/TAJNJoYKeH0/s320/new-what-357x285.png" width="320" /></a></div>
Philip Andreae, AMEX's Global EMV product manager, <a href="http://02d55da.netsolhost.com/blog/2011/10/05/nstic-and-emv-should-merge/#respond">recently blogged</a>:<br />
<blockquote>
<ul>
<li><span class="Apple-style-span" style="font-size: x-small;">"The next step is to merge the identity sought by everyone and easily relegated to the Banks to manage. Facebook and GMail offer an option if their KYC can be improved. With face to face meeting it is possible to truly prove identity, requiring a branch network.</span></li>
<li><span class="Apple-style-span" style="font-size: x-small;">Transaction processing is legacy in the developed world while the emerging economies offer an opportunity to build new. Existing standards and processes need to be respected as they transform to absorb the new information attachments and Internet offers we now need to cope with. </span></li>
<li><span class="Apple-style-span" style="font-size: x-small;">The Wallet forms the basic unit to create a trusted network employing smart cards, trusted computing, persistent computing and inteligence to enable the consumer experience. </span></li>
<li><span class="Apple-style-span" style="font-size: x-small;">Privacy and integrity of that trust is essential to the system </span></li>
<li><span class="Apple-style-span" style="font-size: x-small;">The individual is key </span></li>
<li><span class="Apple-style-span" style="font-size: x-small;">Respect rights and obligations"</span></li>
</ul>
</blockquote>
Switched GigE infrastructure (and mobile broadband) as trusted pathways among Identity Providers, Relying Parties and Transactors can and should support payment and digital delivery processes. Learn how to deploy this underperforming national asset by calling us at 312-346-9400.Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-90683073905256627922011-10-10T11:24:00.001-07:002011-10-10T11:25:27.392-07:00Where EFT payments are direct-switched<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-SBKAlMurnps/TpM364_2fzI/AAAAAAAAEaM/0hltl6nNgjw/s1600/happy-thanksgiving-canada.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://3.bp.blogspot.com/-SBKAlMurnps/TpM364_2fzI/AAAAAAAAEaM/0hltl6nNgjw/s400/happy-thanksgiving-canada.jpg" width="320" /></a></div>
Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-63225146963028749012011-10-07T13:15:00.000-07:002011-10-07T13:15:07.674-07:00Consulting Services Summary<br />
We know that our solutions are constantly measured for effectiveness and impact. We are responsible for sharing observations, learnings and objective metrics with each client.<br />
<br />
Services we may deliver to clients are:<br />
<br />
<ul>
<li>providing qualified recommendations and direction for (OOBA and Tokenized) authentication factors</li>
<li>design and implementation of privacy frameworks (payment & sales data)</li>
<li>design and implementation of secure-by-design network architecture</li>
</ul>
<br />
Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-9128412383895896262011-10-07T08:48:00.000-07:002011-10-07T08:49:15.308-07:00Mr. Jobs always looked to the next project<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-wnpANy6Sqeo/To8XhHdaFkI/AAAAAAAAEZ4/4Dx2efvFJVU/s1600/320662_10150405415545763_730065762_10753867_1585694176_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="310" src="http://3.bp.blogspot.com/-wnpANy6Sqeo/To8XhHdaFkI/AAAAAAAAEZ4/4Dx2efvFJVU/s320/320662_10150405415545763_730065762_10753867_1585694176_n.jpg" width="320" /></a></div>
<br />Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-54187378487486279372011-09-25T04:56:00.000-07:002011-09-25T05:11:24.751-07:00Next: direct-switched payment processing<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-w9YRtyqK5dQ/Tn8W_yxCEPI/AAAAAAAAEY8/fQyGYYJ0448/s1600/Intuit_Gopayment_150x150.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-w9YRtyqK5dQ/Tn8W_yxCEPI/AAAAAAAAEY8/fQyGYYJ0448/s1600/Intuit_Gopayment_150x150.jpg" /></a></div>
<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><a href="http://www.readwriteweb.com/archives/intuit_showcases_mobile_payments_innovation_introd.php#.Tn8WgLZAJ28.blogger">Intuit's Dongle-to-Debit Card</a> This is an example of a company/bank partner (Intuit) directly connecting merchants' transactions with card issuers, by-passing traditional payment processors. Margin for the "house" (Intuit); safety and accounting simplicity for the Merchant.</span>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-49305449678367631912011-09-20T04:57:00.000-07:002011-09-20T04:59:56.891-07:00Uncovering Demand for Switched Ethernet Payment Fabric<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-vIlRnrQMDpU/Tnh_LjLbqWI/AAAAAAAAEYk/WQVp88f3vbA/s1600/cropped-FoodERP-Header.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="67" src="http://4.bp.blogspot.com/-vIlRnrQMDpU/Tnh_LjLbqWI/AAAAAAAAEYk/WQVp88f3vbA/s320/cropped-FoodERP-Header.jpg" width="320" /></a></div>
ERP & Data Collection in the Food Industry is <a href="http://food-erp.com/blog/?p=901">stuck in a rut</a> until informatics replaces interchange as the next transactional currency. No <a href="http://bit.ly/oI2YlI">framework</a> presently exists for to systemically gather and analyze consumer informatics for supply chain participants. Identifying trails of digital breadcrumbs belonging to individual shoppers as they depart from their grocer is a high-value, albeit obscure byproduct of transactional switch fabrics of the future.Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-25392038241520644732011-09-20T02:41:00.000-07:002011-09-20T02:46:24.685-07:00Using plastic to pay Anthem bill? Prepare to lose your coverage<div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-puy-rDmK7TM/Tnhgyz66EeI/AAAAAAAAEYg/SUbKf6I-0YI/s1600/64869249.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://2.bp.blogspot.com/-puy-rDmK7TM/Tnhgyz66EeI/AAAAAAAAEYg/SUbKf6I-0YI/s320/64869249.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
How many databases out there really NEED to have our debit-able bank account numbers?</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.latimes.com/business/la-fi-lazarus-20110920,0,2211923.column">Using plastic to pay Anthem bill? Prepare to lose your coverage</a></div>
</div>
Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-83992587414840425112011-09-19T06:11:00.000-07:002011-09-19T06:11:16.375-07:00MasterCard CEO, Top Execs Preview 2012 Strategy & Latest Innovations - pymnts.com<a href="http://pymnts.com/MasterCard-CEO-Top-Execs-Preview-2012-Strategy-Latest-Innovations/#.Tnc_ZKP3pfc.blogger">MasterCard CEO, Top Execs Preview 2012 Strategy & Latest Innovations - pymnts.com</a>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-73554326101302471912011-09-19T04:40:00.000-07:002011-09-19T04:40:13.617-07:00New Consulting BlogOpportunities abound at the intersection of Privacy/Identity Management, Global Switched Ethernet ecosystems and ePayments for Content Centric Networking. This blog now describes my work to share and extent my experience in new directions for my clients.Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-16700738376544596432011-08-24T07:55:00.001-07:002011-08-24T07:55:22.537-07:00A few bad apples...<iframe width="400" height="320" src="http://www.youtube.com/embed/qeTja7JXK9A" frameborder="0" allowfullscreen></iframe>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-82385837717931022162011-08-10T07:17:00.000-07:002011-09-18T16:24:54.860-07:00Tracking W.U.'s Exchange Rate VolatilityAffected exchange rate premiums charged by Western Union.<br />
<iframe frameborder="no" height="411" marginheight="0" marginwidth="0" scrolling="no" src="http://www.chartfacts.com/chart_frame.php?cid=8112&if=1&nd=1&rsf=1&mbd=1" width="400"></iframe>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0tag:blogger.com,1999:blog-6686808731479469385.post-28048753406979205782011-07-29T05:57:00.001-07:002011-07-29T06:01:49.475-07:00Stay up to date with PPI<section class="related-content related-social-media"><h3><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: small;"><a href="http://www.facebook.com/pages/Greenlist/87189585930" target="_blank">Greenlist on Facebook</a></span></h3><h3><a href="http://twitter.com/#!/paymentpathways" target="_blank"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: small;">Payment Pathways on Twitter</span></a></h3><h3><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: small;"><a href="http://www.linkedin.com/profile/view?id=93128&trk=tab_pro" target="_blank">Rick O'Brien on LinkedIn</a></span></h3><h3><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: small;"><a href="http://www.paymentpathways.com/news">Newsletter on Payment Pathways</a></span></h3></section>Rick OBrienhttp://www.blogger.com/profile/09213598576722661865noreply@blogger.com0