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Brett Humphreys
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225 followers
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In true +Todd Underwood​ style. I've been endorsed for goats, management and fancy glitter on LinkedIn.

+Andy Warner
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I've worked with Shawn for almost three years. Great write up on Apple and Wallet
Apple's Catching Up

In some areas, at least. Others are talking about the rest, but I want to talk about Pay, since I know more than a little about smart cards, NFC and phone-based payments.

In case anyone is thinking that Apple's approach is somehow novel... it's not, really. It's a mixture of Google Wallet v1 and Google Wallet v2, plus Touch ID.

Apple learned from the failures of Google Wallet v1 in that what they're offering is a proxy card solution, not a native card solution. What that means is that rather than loading, say, the details of your Chase card on your phone, instead Apple provides a proxy credit card (actually a series of one-time use cards) which is delivered to the merchant, and they route the charge to a credit card from your iTunes account.

Google Wallet v1 took the other approach, but that caused it to be limited to the issuing banks that worked with Google to enable their cards. That was too limiting, so Google pioneered the proxy card approach for v2.

The other thing v1 did was to load the card information into a secure element, a separate dedicated secure processor in the phone. This was great for security but limited the phones that could use Wallet to the intersection of (a) the set that had secure elements and (b) the set whose actual owners (carriers) allowed Google to use their secure elements. Since Google was unsuccessful at convincing carriers to cooperate, for v2 they changed to a different approach which doesn't require the secure element. The reason carriers didn't want to play ball with Google, BTW, is because they wanted to compete (see ISIS, now renamed SmartPay).

Apple, of course, makes all iPhones, so it can simply inject its keys into the secure elements in them, making Apple the owner of all those SEs. Carriers don't have any technical way to block Apple from doing what it likes with them, and of course Apple has given carriers any say in how the iPhone works.

The one area in which Apple has done something new-ish is to require touch ID authentication for purchases. That was a fairly obvious step given that they've already got the fingerprint scanner in place. Google Wallet will undoubtedly do the same when there are enough fingerprint-enabled Android devices to make it worthwhile. Personally, I keep my Wallet set to be wide open. In practice, that's most convenient and not really risky.
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I'm looking for a small footpring, fanless PC to run Win7 on (I already own the license for win7).  I'm not particularly in need of a huge processor (doing light CAD work), and trying to keep my costs modest (~$200 for the barebones).

Does anyone recommend anything in particular?  Zotac, Asus and Intel (NUC) all have products in this space, are they good?
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ALS ice bucket challenge.... Your turn +Mike Borst and +Mike Luke
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I originally thought Microsoft was going to start encrypting the file contents. That would be interesting news. However that isn't the case. They are only now getting around to turning on SSL (TLS) sockets on their OneDrive service!
Microsoft has announced it is adding new encryption support for its OneDrive cloud storage service and its Outlook.com email website, along with the opening of its first Transparency Center.
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Easily add your bank account with our new instant verification feature. With no more waiting, you can quickly and easily send money for free with the Google Wallet app.   #Googlewallettips  goo.gl/2hpoNI
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w00t!  This is super exciting, a project I've been working on for some time!
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The first taste of summer!
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