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The Internet of Things (IoT)
Future is Here
The Internet of Things (IoT)
The age of credit cards may be ending, and that's a good thing.

It's happening, and fast: The era of the credit card, in which plastic is the standard form of payment, is coming to an end.

But it isn't being replaced by cash. Instead, it's being replaced by a new system, one that involves digital money transfers through smartphones and other devices.

Now, before you mourn the loss of the old system, you have to admit there are some problems inherent to credit cards. The most glaring of these is that credit cards often aren't 100 percent secure. Users face issues ranging from hackers and fraud to lost and stolen cards.

The cards also aren't without high fees from financial institutions, and they're rarely accepted worldwide.



The convenience of digital options compared to both cash and cards is another reason credit cards are gradually being phased out. The ease of digitally exchanging money between friends, or from an employer to an employee, already gives digital transactions an advantage over both cash and cards.

These digital peer-to-peer, or P2P, payments are becoming increasingly popular because they can eliminate high transactions fees and processing or service fees, all while remaining secure. The most widely used platform for peer-to-peer payments is PayPal, with more than 218 million active accounts worldwide. Venmo, an app that allows for instant P2P payments, is another popular platform, while services like Upwork and Fiverr are also taking advantage of the convenience of P2P transactions.

This points to an important truth: Even for most online payments, cards simply aren't necessary.

Because of these challenges and ever-emerging payment alternatives, more and more people are opting to avoid credit cards altogether. The burgeoning growth of card-less transactions is particularly important in light of recent findings from the Federal Deposit Insurance Corporation: In a 2015 study, the FDIC found that a significant portion of American households, 24.5 million, are under-banked. Many people, whether because they want to or because they have no choice, don't own a credit card or have a bank account.



Amazon helped the revolution along considerably with its announcement of Amazon Cash in April 2017. This shift lets customers fill up their Amazon balances using cash when they present an Amazon bar code to participating stores. Its introduction of the "add cash" option has made the buying process accessible to more than a quarter of its customers.


As Amazon has explained, customers no longer need a credit card to make purchases and can instead buy products using their Amazon Balance.

Another alternative to credit cards, PayTM, is already being used as a payment option by major players like Uber. Topping up your PayTM wallet lets you use net-banking, a cardless option that makes your smartphone the only thing you need to get around for the day.

Also getting in on the trend are start-ups like CashDash, which helps travelers who want to exchange currency without the additional fees charged by banks and other companies. Customers can buy foreign currency directly from the app and withdraw their cash at the closest CashDash ATM.

The app is helpful for unbanked individuals as well.

The common theme here is that smartphones are emerging as the most promising alternative to credit cards. Since so many people already use smartphones for day-to-day payments like ordering food or hailing an Uber, ditching wallets altogether seems like the logical next step.

Cryptocurrency as cardless technology

Another step towards a cardless society is the increasing popularity of cryptocurrency, which is also sometimes referred to as electronic currency and can be seen as an online version of cash. The first type of cryptocurrency is the widely popular but also controversial bitcoin, which started in 2009.

Bitcoins are essentially digital coins that people can buy and use to make and receive payments. Unlike credit cards, they have low transaction fees and don't require sales tax. Also unlike credit cards, bitcoin lets users stay anonymous.

Should you keep your credit card?

With the rise of cryptocurrencies and our increasing ability to use our smartphone to pay for basic services, it's clear that credit cards are going out of fashion.

It's still too early to leave your credit card behind, since it'll take some time before cards phase out altogether. Nonetheless, it can't hurt to start adapting to digital alternatives.

After all, for consumers, the motivation to ditch the card is simple: lower fees, improved convenience, and increased financial independence.

The Internet of Things (IoT) adlı kişiye ait benzer 1 paylaşım daha var.
The Internet of Things (IoT)
Net neutrality rules are dead. Will my Internet bills go up?

The noise over whether your Internet provider is the reason you can't get Stranger Things to stream smoothly is about go up a decibel.

The repeal of Obama-era net neutrality rules Thursday wipes from the books regulations that prevented Internet service providers from blocking or slowing some websites, and charging more for others to run faster.

The new regulations, passed by the Republican-controlled Federal Communications Commission's 3-2 vote, instead require companies like Verizon and Comcast to disclose if they block sites or give priority to their own content more than others — say by allowing Comcast unit NBCUniversal's sites to run at a faster clip than Time Warner's CNN.com.

The onus shifts to the public to flag any signs these Internet gatekeepers are playing favorites including with their own properties — and report them to the Federal Trade Commission if it looks like the provider is trying to suppress a competitor. The big Internet and cable providers, who lobbied hard for repeal, say they won't stop or slow any legal content.

But the change does open the door for ISPs to charge more to some big broadband users, say Netflix or YouTube, which could pass those increased costs to their subscribers.

In theory, ISPs could charge subscribers more, too. Forrester Research analyst Susan Bidel points to other countries like Portugal and England where Internet providers offer monthly services with extra fees for social, messaging and video viewing. Companies like AT&T and Verizon “could charge extra here,” says Bidel.

But broadband providers have a big reason not to starting adding a special "YouTube" fee to your monthly bill: consumer ire, which is quick to ignite with any price hike. In fact, the new FCC sees public pressure as one of the forces that will check Internet providers from abusing the lighter regulations.


That outrage should work in a market where consumers have more than one choice for high-speed access. They'll have less leverage when the local cable company is the only game in town.



The replacement rules are slated to go into effect as soon as next month. But expect a noisy fight online and in the courts before then — and after.

Advocates of the Obama-era net neutrality rules — including large Internet companies such as Amazon, Google, Facebook and Netflix — are already planning strategies to combat the regulations in Congress and the courts.

Some in Congress say they will introduce Congressional Review Act legislation to overturn the measure. And several Republicans have joined a large group of Democrats in voicing concerns about the issue, setting up possible majority votes in each house of Congress just months before mid-term elections.

And just as previous attempts to pass Internet regulations landed in court, so likely will these new rules. The 2015 measure, passed by an agency then controlled by Democrats and led by Chairman Tom Wheeler, withstood a court challenge from USTelecom, a trade association that counts among its members AT&T and Verizon.


Opponents of the Obama-era rules, which included FCC Chairman Ajit Pai, who was appointed by the Trump Administration, have downplayed fears that repealing net neutrality regulations will lead to a slower, toll-gated Internet.

The FCC's action "is not going to end the Internet as we know it. It is not going to kill democracy and it's not going to stifle free expression online," Pai said.

Instead, the loosening of Internet regulations should actually benefit consumers, in his eyes, as it encourages Internet providers to invest more in broadband in regions that don't have the best high-speed access, such as rural areas.

The public has shown itself particularly interested in the rules, submitting a record 23 million in comments. But millions were shown to be faked or tied to stolen email addresses, giving some Democrat lawmakers another reason to request the FCC delay the vote.

That "deeply corrupted" public comment process is at the heart of New York Attorney General Eric Schneiderman's plans to file a multi-state lawsuit against the FCC's "illegal rollback" of the 2015 rules.

Angelo Zino, an analyst with CFRA Research, predicts little will change in the near term, but he expects broadband prices will go up for some consumers.

Internet providers already offer different tiers of speed, Zino notes, charging more for some.

He believes companies like AT&T will find a good commercial reason to offer cord-cutting services like its DirectTV Now at higher speeds, under the new rules. However, a "backlash" would happen if Comcast started charging extra for searches or YouTube views, he says.

“Could it happen?” he asks. “Theoretically, sure. Is it going to happen? Probably not.”

If a company tried it, consumers would vote with their wallets. Even in areas where one company dominates, there are usually alternatives out there, Zino says.

Contributing: Rob Pegoraro
The Internet of Things (IoT)
First Drone Phone from LG U+ is coming soon
Antiranik Ovagim
Antiranik Ovagim
The Internet of Things (IoT)
Kargo taşımacılığında yeni dönemin ayak sesleri
AA15 Aralık 2016
Fransa Posta İdaresi (La Poste) gönderimlerinde "drone" olarak bilinen insansız hava araçlarını kullanacak.

Fransa Sivil Havacılık Kurumundan (DGAC) yapılan açıklamada La Poste'a haftada bir kez ülkenin güneyindeki Var bölgesinde koli gönderimleri için "drone" kullanmasına izin verildiği bildirildi.

Açıklamada La Poste'un Var bölgesinde belirlenen 15 kilometre uzunluğundaki hava sahasında 2 yıl süren testler sonrası "drone" kullanmaya hak kazandığı belirtildi. La Poste'un kullanacağı "drone"lar saatte 30 kilometre hızla en fazla 3 kilogram ağırlığındaki kolilerin teslimatını gerçekleştirebiliyor ve tehlike anında otomatik paraşüt devreye giriyor.

ABD'li internet alışveriş devi Amazon şirketi de bugün İngiltere'de ilk "drone"la teslimatını gerçekleştirdiğini duyurmuştu.
The Internet of Things (IoT)
How a Reengineered Internet Could Protect Free Speech
Written by
MICHAEL BYRNE
EDITOR

That the internet works for so many people and across so many different technologies can seem kind of miraculous, but the internet's founders had nothing like this in mind. When you consider that the early-days internet, circa the mid-1970s, was a solution to the problem of non-mobile, centralized supercomputing resources, its effectiveness for a world in which every yahoo lords over a half-dozen IP addresses like they're pet goldfish is nigh unbelievable. And yet, here we are. Somehow.

While it works admirably, the internet also works suboptimally—this isn't what it was designed for. So, we're left with a good bit of room for imagining alternative internet technologies that might be closer to optimal and might come better equipped for addressing some of the emergent concerns of internet super-connectivity, such as privacy and the preservation of free speech. Enter named data networking (NDN).

Simply, NDN replaces IP addresses (locations) with named data (things), wherein a unit of data might be referred to in a way similar to the directory-based naming schemes we're used to as PC users (as in, /Users/someuser/my_dir/file.txt). The whole internet would be structured like a big filesystem—a hierarchy of namespaces—where the most specific directory (from our perspective) would be our own local computer, while the most general directory (the root directory) would be the entire internet. As we traverse from our local machines outward, we access higher and higher directories as larger and larger subnetworks of the entire internet.

As such, the internet we experience is only as big as we need it to be depending up on the data that we're after. If that data is on our own machine, we stop there; if not, we check our local network, and then we start checking router caches and CDN stores, etc. This would seem to make a lot more sense for an internet that's based on providing information rather than one that's based on enabling communication between network endpoints. It would also make a lot more sense for a network that's designed to preserve free speech, according to a National Science Foundation-funded research study published in the current Communications of the ACM.

The paper, authored by a team of computer scientists based at UCLA, provides a concrete example of NDN in action via the Internet of Things, the looming internet eruption in which every toaster, car, and coffeemaker comes equipped with a network connection and IP address. We might reasonably question how much internet a coffeemaker actually needs to fully leverage toaster connectivity.

"For example, a manufacturer-assigned name, such as /local/appliance/kitchen/toaster/Black&Decker/serial_number, might be used to address a kitchen appliance from another device in the same smart home," the paper explains. Another device might then connect to the toaster by broadcasting a sort of packet known as an "Interest," which is basically just a request for data featuring a reference by name (as above).

"In this case, NDN enables applications to use the network layer directly to discover nearby devices in these well-known namespaces (for example, /local/appliance), without needing the devices to be connected to the global Internet," the UCLA group writes. "At the same time, they share the same network layer protocol as all other NDN Internet applications, providing opportunities for straightforward integration with local or global Web applications, using data signatures and encryption-based access control for security."

"NDN makes it easier than IP to share data via alternative communications paths and opportunistic connectivity without global infrastructure."
Maybe it's already clear how this might enhance free speech (and privacy). NDN facilitates the development of networks that may be connected to the global internet, but, at the same time, may also allow for insulated data transmission across local networks that don't require the infrastructure of global internet providers. In this scheme, data packets can be stored and republished by anyone using any device.

"NDN makes it easier than IP to share data via alternative communications paths and opportunistic connectivity (toasters and phones as well as laptops and routers), without global infrastructure or complex intermediate services providing indirection or anonymization," the researchers continue. "Users moving in cars or planes or people with ad hoc wireless on their mobile devices can exchange data via NDN by leveraging storage on their devices and intermittent connectivity to pass content around, without leaving traces of where the data originated."

Current internet architecture is well-suited to censorship. It's just a matter of whoever's in power limiting access to forbidden websites via the aforementioned global internet providers. NDN, however, provides a mechanism from routing around these global providers by bridging local networks. Imagine that Comcast, in response to some completely hypothetical future American despot, is legally forced to block access to the New York Times website. NDN would allow us to chain together local WiFI networks until we eventually reach some router in Canada or New Free Cascadia or wherever that's connected to an uncompromised ISP.

Obviously, this is just a high-level view, and actually reengineering the entire internet would be a hell of a thing. But we should take heart that privacy and free speech are not necessarily casualties of hyper-networked society. "By diversifying the nodes that can provide data," the paper concludes. "NDN will likely improve conditions for free and anonymous speech and information seeking for consumers and producers."
The Internet of Things (IoT)
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