The Internet - The first Worldwide Tool of Unification ("The End of History")

" ... Now I give you something that few think about: What do you think the Internet is all about, historically? Citizens of all the countries on Earth can talk to one another without electronic borders. The young people of those nations can all see each other, talk to each other, and express opinions. No matter what the country does to suppress it, they're doing it anyway. They are putting together a network of consciousness, of oneness, a multicultural consciousness. It's here to stay. It's part of the new energy. The young people know it and are leading the way.... "

" ... I gave you a prophecy more than 10 years ago. I told you there would come a day when everyone could talk to everyone and, therefore, there could be no conspiracy. For conspiracy depends on separation and secrecy - something hiding in the dark that only a few know about. Seen the news lately? What is happening? Could it be that there is a new paradigm happening that seems to go against history?... " Read More …. "The End of History"- Nov 20, 2010 (Kryon channelled by Lee Carroll)

"Recalibration of Free Choice"– Mar 3, 2012 (Kryon Channelling by Lee Carroll) - (Subjects: (Old) Souls, Midpoint on 21-12-2012, Shift of Human Consciousness, Black & White vs. Color, 1 - Spirituality (Religions) shifting, Loose a Pope “soon”, 2 - Humans will change react to drama, 3 - Civilizations/Population on Earth, 4 - Alternate energy sources (Geothermal, Tidal (Paddle wheels), Wind), 5 – Financials Institutes/concepts will change (Integrity – Ethical) , 6 - News/Media/TV to change, 7 – Big Pharmaceutical company will collapse “soon”, (Keep people sick), (Integrity – Ethical) 8 – Wars will be over on Earth, Global Unity, … etc.) - (Text version)

“…5 - Integrity That May Surprise…

Have you seen innovation and invention in the past decade that required thinking out of the box of an old reality? Indeed, you have. I can't tell you what's coming, because you haven't thought of it yet! But the potentials of it are looming large. Let me give you an example, Let us say that 20 years ago, you predicted that there would be something called the Internet on a device you don't really have yet using technology that you can't imagine. You will have full libraries, buildings filled with books, in your hand - a worldwide encyclopedia of everything knowable, with the ability to look it up instantly! Not only that, but that look-up service isn't going to cost a penny! You can call friends and see them on a video screen, and it won't cost a penny! No matter how long you use this service and to what depth you use it, the service itself will be free.

Now, anyone listening to you back then would perhaps have said, "Even if we can believe the technological part, which we think is impossible, everything costs something. There has to be a charge for it! Otherwise, how would they stay in business?" The answer is this: With new invention comes new paradigms of business. You don't know what you don't know, so don't decide in advance what you think is coming based on an old energy world. ..."
(Subjects: Who/What is Kryon ?, Egypt Uprising, Iran/Persia Uprising, Peace in Middle East without Israel actively involved, Muhammad, "Conceptual" Youth Revolution, "Conceptual" Managed Business, Internet, Social Media, News Media, Google, Bankers, Global Unity,..... etc.)

German anti-hate speech group counters Facebook trolls

German anti-hate speech group counters Facebook trolls
Logo No Hate Speech Movement

Bundestag passes law to fine social media companies for not deleting hate speech

Honouring computing’s 1843 visionary, Lady Ada Lovelace. (Design of doodle by Kevin Laughlin)

Tuesday, June 7, 2011

Swedish startup to turn iPhones into credit card readers

Deutsche Welle, 7 June 2011

iZettle will beta test its product
first in Sweden
In a DW interview, iZettle CEO Jacob de Geer says after being inspired by an American startup, he wanted to turn his iPhone into a device that could read chip-enabled debit and credit cards, which are common in Europe.

For over a year now, cafes and other small businesses in the US have increasingly been using a new mobile payment system called Square. It's a little cube, about the size of a sugar cube, that plugs into a smartphone audio jack. Just open up the application on the phone, and boom - the barista can accept credit cards by swiping the magnetic stripe through the little slit on the cube.

But in Europe, nearly all credit cards use more secure chips instead of magnetic stripes. So, a Stockholm-based startup called iZettle is planning on testing its new iPhone-based credit card reader across Sweden later this month. If successful, the company hopes to expand to the rest of Europe, too.

To learn more, Deutsche Welle spoke with Jacob de Geer, the company's CEO.

How did you come up with the idea for your company, and what influence did the American startup, Square, have on you?

The background to me starting iZettle, roughly a year and a half ago, is that my wife is actually an entrepreneur. She imports reading spectacles and sells them at different trade fairs. One of the biggest problems that she had was when she wanted to rent one of the traditional point-of-sale devices - it was a very complex process. They're extremely expensive. You can only rent them for a minimum of three months and you have to go to your bank.

So she was a bit fed up, and said to me: 'Why doesn't anyone invent something that you can use with your iPhone? Haven't we come to a time when that should be possible?'

And I started Googling, and I read about Square and I told her to get one of their magnetic-stripe readers. But shortly after that she got a response saying that they were not able to respond to the demands of the European market. That was sort of when I started investigating what was needed for Europe, and why no one else had gotten started with a similar kind of venture.

iZettle CEO Jacob de Geer
said his wife helped inspire
the company's creation
Definitely, we've been inspired by Square. They've been a great inspiration. They've been doing a great job over there. We see them as a colleague in this business rather than as a competitor since we operate in such different markets. The US is a mag-stripe market and Europe - and more or less the rest of the world - is a chip-card market, with totally security demands.

Can you explain, a little bit, the difference between a mag-stripe and a chip card system?

The mag-stripe is a pretty old-fashioned way of transferring the card information and transferring it into a point-of-sale device. It's pretty easy to read the information off a mag-stripe. It's extremely easy to skim.

You mean to copy that information illegally?

Yes, exactly. In Europe, and in the rest of the chip-card reading world, we are obligated to follow the standards of EMV (the standard set by Europay, MasterCard and Visa.) to improve security.

From what I can tell based on the pictures on your website, there's a device that connects at the bottom of the iPhone, is that right?

That's right. We use the dock connector instead of the audio jack. There are several reasons for that. One of the reasons is that in order to power a chip, there's a certain voltage required and you can't get that voltage out of an audio jack. So we need to use the dock connector instead. We're trying to marry two different systems - the requirements of the mobile industry, and Apple's demands, and the other is the chip-card industry, and the chip-card demands. The least common denominator is to create the solution that we have produced.

The reader won't be much bigger
than the card itself
Your target market, at least initially, is probably Europe. But you mentioned that the chip-card market extends to other parts of the world as well. Are you able to process payments in other currencies, in other countries?

When we start [this month], we will do a beta in Sweden to make sure that everything is ok and that the customers like our products, as well as the people who are actually paying in the terminals and that they like what they see. The interesting thing is that the solution that we have come up with, it's global. All the certifications are global. It's not a Swedish thing, or a German thing. We can go after any chip-card market with this same kind of technology.

So are you doing the Square model as well, which is to give away the readers for free, and charging a small percentage as a way to make money?

I think that whole idea is really compelling for everyone. That's what we've been trying to replicate from a business perspective. Combing the fact that we have all these requirements from EMV and the system that we live and work with, with the fact that we want to give the readers away, that has been a complex process to create a secure system that is so cheap that we can give readers away for free, but with the same security level. But we managed, and we're through that. We have the same business setup as others, like Intuit and Square.

So what percentage are you taking per transaction?

To be honest, we haven't really decided yet. We're still talking to focus groups in Sweden. We'll probably be pretty much where Square started, which is three to four percent per transaction, plus a small fixed fee.

Interview: Cyrus Farivar
Editor: Nathan Witkop

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