Automated Engagement: Electronic Receipts and the Future of Geo

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The future of mobile payments contains real excitement: not around simple convenience, but rather the return of purchase history back to the hands of the user. While the commercial implications are of course enormous, the geotechnical potential – employing an artifact of the payments process – is huge. This brief talk aims to provide an overview to some of that hugeness, and discuss what how the game is taking shape on the table.

A single mobile payment records the time, date, and place of purchase (like any purchase today), but doing so on a mobile device provides the means to record that transaction and re-purpose it for further user benefit outside the commercial domain. The next generation of geo applications will all be ‘Big Data’ apps: using data for a purpose orthogonal to its purpose at collection, and enriching it to become more than a sum of its parts. We’ll see mobile apps that check-in, comb for deals, and geolocate people with every purchase, to start.

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  • http://www.flickr.com/photos/ymmat/5753206522/
  • http://www.flickr.com/photos/hynkle/4861992648/
  • http://lemon.com
  • http://eyeona.com
  • http://shopsanity.com
  • http://slice.com
  • http://slice.com
  • A simplified view of how things work. Can certainly be multiple orgs providing services, esp. in Merchant accounts. This diagram is very credit-focused; signature-debit transactions. Amex has full-visibility across the spectrum – know the merchant, the card-holder, and details about each. Easier to create closed-loop offers: Foursquare, Twitter, Facebook. Based on 'Paying with Plastic' (2003)
  • Further Reading: http://www.msnbc.msn.com/id/32586060/ns/business-retail/t/death-paper-receipts-not-yet/ http://www.nytimes.com/2011/08/08/technology/digital-receipts-at-stores-gain-in-popularity.html
  • Automated Engagement: Electronic Receipts and the Future of Geo

    1. 1. Automated Engagement Electronic Receipts and the Future of GeoTyler Bell @twbellWhereConf 2012
    2. 2. The Costanza Wallet
    3. 3. Consider the Humble Receipt…
    4. 4. •Expense Reporting •Returns •Exchanges •Credit card purchase verification if you really have your act togetherUsually Retained for
    5. 5. Usually Go in the Bin
    6. 6. Receipts are a singular, massive, & almost-wholly unexploited resource of engagement dataQuantified Self, Consumer Engagement
    7. 7. A Huge Source of Engagement Data
    8. 8. The Consumer The BusinessReceipts are Touchpoints between two spheres of activity
    9. 9. • Retailers & Merchants • Structured Inbox Initiatives • Credit Card Companies • Mobile Payment MechanismsTo whom do we look for Innovation
    10. 10. • Retailers & Merchants • Structured Inbox Initiatives • Credit Card Companies • Mobile Payment MechanismsTo whom do we look for Innovation
    11. 11. Only a few retailers provide electronic receipts
    12. 12. PDF FFS
    13. 13. HTMLStructured TableMicrodata/Markup
    14. 14. • Retailers & Merchants • Structured Inbox Initiatives • Credit Card Companies • Mobile Payment MechanismsTo whom do we look for Innovation
    15. 15. http://windowsteamblog.com/windows_live/b/windowslive/archive/2011/10/03/h otmail-declares-war-on-graymail.aspxI am in UR Inbox, Killing UR D00ds
    16. 16. Lemon
    17. 17. Eyeona
    18. 18. ShopSanity
    19. 19. Slice
    20. 20. Shoeboxed
    21. 21. • Retailers & Merchants • Structured Inbox Initiatives • Credit Card Companies • Mobile Payment MechanismsTo whom do we look for Innovation
    22. 22. Electronic payments Merchant Payment CardMerchant Cardholder Account Network Issuer
    23. 23. • Retailers & Merchants • Structured Inbox Initiatives • Credit Card Companies • Mobile Payments MechanismsTo whom do we look for Innovation
    24. 24. Mobile Payments:For the first time in history users will [in principle] have access to their own purchase history in structured, digital format
    25. 25. As Users: We must demand control of this information As Developers: We must ensure that this information is employed responsibly for the users bettermentReceipt Data will be the next Battle
    26. 26. Remember Fire Eagle? User control over 3rd party consumption
    27. 27. Long Live Data
    28. 28. Tyler Bell @twbelltyler@factual.com

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