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Today American Express introduced its new digital payment system called Serve. Serve works similar to PayPal in that it allows users to create an account that can be used for sending or receiving money. Users can access their accounts from American Express’ Serve iOS and Android applications, via the Web, or through Facebook. Serve has two fees, including 2.9% plus $0.30 per load deposited, although this is discounted to 0$ for cash, debit, and ACH. Similarly, there’s a $2 fee on ATM cash withdrawals, although the first withdrawal each month is free. The good news is, American Express is waiving the deposit fee for the next six months. Serve lets users create a master account and you can create sub-accounts for friends or family members. American Express also provides a debit card with each Serve account that can be be used at any ATM or merchant that accepts American Express. “We are working with a range of partners to integrate Serve as a payment method and deliver customized offers, and we will waive most consumer fees for the next six months,” said Dan Schulman, Group President, Enterprise Growth at American Express. Hit the jump for the full release.

American Express Announces Serve(SM), the Next Generation Digital Payment PlatformServe Offers Person-to-Person, Online, Mobile, and Traditional Card Capabilities in a Single Account NEW YORK,  March 28, 2011 –

American Express today unveiled Serve(SM), a digital payment and commerce platform that gives consumers a new way to spend, send and receive money with services that go beyond the existing global payment networks.

With Serve, consumers can make purchases and person-to-person (P2P) payments online (serve.com), via mobile phones, and at millions of merchants who accept American Express cards. Serve unifies multiple payment options into a single account that can be funded from a bank account, debit, credit or charge card, or by receiving money from another Serve account.

Serve is an easy-to-use, digital alternative aimed at consumers who currently rely on cash, check and debit card. Serve accounts can be accessed via Serve Apple iOS and Android applications, at Serve.com and through Facebook. Through Serve, American Express aims to expand into new segments of the market that do not rely on traditional charge and credit cards to manage their day-to-day finances.

“Serve is a new type of payment platform that isn’t tied to a single card or mobile operating system. It’s a flexible, easy to use platform, which from day one brings tremendous assets to the alternative payments space and gives consumers an option to shop on-line and off-line at millions of merchants who accept American Express,” said Dan Schulman, Group President, Enterprise Growth, American Express.

“We intend to quickly evolve the Serve platform by adding new features and functionality as we learn from consumer and merchant experiences. To encourage a broad cross-section of people to experience the benefits and convenience of Serve, we are working with a range of partners to integrate Serve as a payment method and deliver customized offers, and we will waive most consumer fees for the next six months,” said Mr. Schulman.

How it works
Consumers set up an online account at Serve.com or through a smartphone app. Funds can be added from bank accounts, debit cards, credit and charge cards, or other Serve accounts. Customers can use those accounts to send and receive money to friends, pay bills and make purchases online. Serve bridges online and offline commerce – each customer will be issued a Serve reloadable prepaid card linked to their Serve account that can be used at any merchant or ATM that accepts American Express cards.

Unlike traditional debit card accounts, Serve offers users the ability to easily create, manage, and specify sub-accounts for their friends, family members or colleagues. Sub-accounts are linked to the master account and allow users to set spending profiles for everything from children’s allowances to dog walker fees.

The Serve platform evolved from technology obtained through the acquisition of Revolution Money in early 2010.

Serve is available immediately to anyone in the U.S. and is expected to launch into other international markets over the coming year. American Express will continue to evolve the features and functionality of Serve based on market feedback. To gain consumer and merchant insights about Serve and to help shape upcoming releases, a marketing pilot will also be conducted in Eugene, Oregon.

Partnerships
While payments are the foundation of the Serve platform, American Express is also announcing a number of partners who will use the platform to deliver relevant offers that drive spend and build loyalty. Three of the first partners are Ticketmaster®, Concur® and Flipswap.

“A cornerstone of the long-term vision for Serve is developing partnerships with commerce, gaming, entertainment, and social networking organizations,” said Mr. Schulman. Partnerships, with players such as Ticketmaster, Concur and Flipswap will introduce Serve to new customers and help build scale. These companies have loyal communities of customers, and we are thrilled to partner with them as we grow and expand Serve’s reach.”

Ticketmaster will offer Serve as a platform for customers to make and collect payments toward ticket purchases from other customers. Concur will utilize Serve as an expense management and reimbursement method for transactions processed via Concur’s small business expense reporting service, Concur Breeze. Flipswap will utilize Serve to issue refunds more quickly to consumers who sell or trade in their old mobile and cell phones for reuse or recycling.

Details around these and a number of additional partnerships will be announced over the coming months.

Giving Back Widget
Serve is also partnering with five major charities – Autism Speaks, Best Friends Animal Society, Malaria No More, Save The Children and Stand Up For Kids – to enable each organization to raise funds via a donations widget. Widgets can be downloaded on Serve.com and at facebook.com/paywithserve, and shared on other Web sites, including Facebook, to encourage donations. Serve will match all contributions via the widget up to $100,000 for each charity.

In the coming months, Serve will offer selling widgets that give customers the ability to sell items through their own social networks.

Highly Competitive Fees Waived for Launch
Serve consumer fees will be highly competitive. There are only two fees for consumers and we are waiving the fee to put money into the Serve account for the next six (6) months. The two fees are:

• Putting money into a Serve account: 2.9% + 30c/per load, discounted to 0% for cash, debit and ACH.
• ATM cash withdrawal (after first one each month free): $2.00

Unlike some other products in the market, Serve has no fees to open an account, no monthly fees, no fees for P2P transactions, no fees to set up sub-accounts (up to four accounts) and no fees to use the widgets.

Merchants who accept American Express cards will pay a prepaid discount rate for transactions made both in stores and online with a Serve prepaid card.

Investor Conference Call – Live Audio Webcast
A conference call with members of the investment community will be held today March 28, 2011, at 11:00 am EDT. The call will be hosted by Dan Schulman, Group President, Enterprise Growth, American Express.

Live audio of the conference call will be accessible to the general public at http://ir.americanexpress.com. A replay of the conference call will also be available at the same Web site address.

About Serve
Serve, by American Express, is a next generation payment platform designed to deliver emerging payments and services to address the changing ways consumers interact and exchange money — with one another — as well as merchants. Learn more at serve.com and connect with us on facebook.com/paywithserve and twitter.com/serve.

About American Express
American Express is a global services company, providing customers with access to products, insights and experiences that enrich lives and build business success. Learn more at americanexpress.com and connect with us on facebook.com/americanexpress, twitter.com/americanexpress and youtube.com/americanexpress.

Cautionary Note Regarding Forward-looking Statements
This press release includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are subject to risks and uncertainties. The forward-looking statements contain words such as “believe,” “expect,” “anticipate,” “optimistic,” “intend,” “plan,” “aim,” “will,” “may,” “should,” “could,” “would,” “likely,” and similar expressions. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. The company undertakes no obligation to update or revise any forward-looking statements. Factors that could cause actual results to differ materially from these forward-looking statements, include, but are not limited to, the following:

• the willingness of consumers to use the Serve product, and in particular consumers that do not traditionally rely on charge and credit cards to manage their day-to-day finances, which will depend in part on their willingness to try the Serve product instead of competing payment products and their satisfaction with the operability, fee structure and other features of the Serve product;
• the ability of the Company to add new features and functionality and ease of use to the Serve platform on an accelerated basis that reflect the needs and desires of consumers, merchants and other participants in the payments space, which will depend in part on the Company’s ability to retrieve and effectively assess information from users and other parties on a real-time basis and then make the right judgments in how to build-out the existing Serve platform;
• the success of the Company in developing relationships with partners, both in and outside the U.S., who will effectively integrate Serve as a payment method for their customers, which will be critical in facilitating the Company’s ability to expand the scope and number of Serve users; and
• technology trends that will impact the environment within which Serve operates and influence how the Serve product will have to evolve to remain compatible and competitive.

A further description of these uncertainties and other risks can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2010, under Item 1A. Risk Factors and Cautionary Note Regarding Forward Looking Statements, and the Company’s other reports filed with the SEC.

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As the gap between the number of applications available at Google’s Android Market and Apple’s iPhone App decreases, it is high time that you make the most of the increasing interest in Android apps. While some people do not think that getting into the Android Market is important because there are a larger number of people using iphones, the truth is that it may be better idea to target the Android Market because it is not as crowded as the iPhone Store. So there is a higher chance that you will be able to identify a service that is not offered by any other application in this platform.

There are several reasons why people tend to prefer Android apps.

One of the key reasons why these are so popular is that the OS in which these are developed is based on Linux. Since Linux is famous for its stability, the applications that are based on this OS are also less likely to crash.

Another reason why Androids apps are preferred by many developers is that they can be sold in many ways. The applications for other platforms have to be sold only through the designated store. However, these applications can be sold through the Android Market and also through third party stores. In fact you can also consider creating your own store because that is also profitable if you can pull in apps that are downloaded by many people.

You should not give up your idea about an interesting Android app just because you are not familiar with the language in which the coding is done. All you have to do is find a development partner with the technical know-how. They will enable you to transform your idea into an application.

While looking for a development partner, always go for the established names in the industry. Since it does not take much to claim to be an expert in this field, many unscrupulous or inefficient people are jumping on this bandwagon. Getting you app them may not be productive in the long run because they may not be around a year down the line if you wish to make changes to your app or entrap you in financial arrangements that make you financially obliged to them for as long as you sell your application.

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Android is a software stack for mobile devices that includes an operating system, middleware and key applications. The Android SDK provides the tools and APIs necessary  to begin developing applications on the Android platform using Java Programming language.

FEATURES

Application framework enabling reuse and replacement of components.

Dalvik virtual Machine optimized for mobile devices.

Integrated Browser based on the Open source WebKit engine.

Optimized graphics powered by a custom 2D graphics library, 3D graphics based on the OpenGL ES 1.0 specification.

SQLite for structure data storage.

media support for common audio, video and still image formats(MPEG4, H.264, MP3, AAC, AMR, PNG, GIF)

GSM Telephony

Bluetooth, EDGE, 3G and WiFi

Camera , GPS, compass and Accelerometer.

Rich development environment including a device emulator tools for debugging, memory and performance profiling, and a plugin for the Eclipse IDE.

Application of Android:

Android will ship with a set of core application including an email client, SMS program, calendar, maps , browser, contacts, and others. All applications are written using the Java programming language.

What is AndroidANDROID
Android is a software stack for mobile devices that includes an operating system, middleware and key applications. The Android SDK provides the tools and APIs necessary  to begin developing applications on the Android platform using Java Programming language.
FEATURESApplication framework enabling reuse and replacement of components.Dalvik virtual Machine optimized for mobile devices.Integrated Browser based on the Open source WebKit engine.Optimized graphics powered by a custom 2D graphics library, 3D graphics based on the OpenGL ES 1.0 specification.SQLite for structure data storage.media support for common audio, video and still image formats(MPEG4, H.264, MP3, AAC, AMR, PNG, GIF)GSM Telephony Bluetooth, EDGE, 3G and WiFiCamera , GPS, compass and Accelerometer.Rich development environment including a device emulator tools for debugging, memory and performance profiling, and a plugin for the Eclipse IDE.
Application of Android:
Android will ship with a set of core application including an email client, SMS program, calendar, maps , browser, contacts, and others. All applications are written using the Java programming language.

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-
Apr•
01•11

How open is open? Google is reportedly tightening access to its open source Android mobile operating system, as well as being more restrictive about the sort of tweaks manufacturers can make to the OS, multiple executives tell Businessweek. That seems to go against Android’s open source nature. When Google first launched the OS in 2008, it was heralded as a completely open platform that would compete against Apple’s closed iPhone OS. That meant anyone could install Android in their devices and make any changes necessary to it. But now that Android is no longer the scrappy mobile underdog — it’s now the global smartphone leader with 31 percent market share — Google can no longer afford to be idealistic. Open source advocates will surely take issue with Android’s new direction, but anyone who has been following the platform closely will likely view it as necessary. Users, developers and device manufacturers have been complaining about Android’s fragmentation issues — which includes apps and features only being available on certain phones, as well as Android updates that take forever to reach older devices — for some time. Google’s only real solution is to take a stronger role in managing Android’s development and deployment. Google has recently been enforcing “non-fragmentation clauses” with Android licensees, which prevents them from changing Android code too much, sources tell Businessweek. The clauses themselves are nothing new, but Google is apparently being much more vigilant about enforcing them. Other recent moves by Google may face scrutiny from regulators. Sources say Google has tried to hold up the release of Android phones on Verizon that use Microsoft’s Bing search engine. (Microsoft this morning announced that it’s filing antitrust complaints against Google in Europe.) Last week, it was revealed that Google will be delaying the release of Android 3.0 “Honeycomb” to the public — something that falls in line with the news that Google wants tighter control of Android. It was inevitable that Google would eventually move away from being completely open with Android. Being completely open allowed an immature Android to gain its footing. Now that it’s a mobile titan, Google needs to ensure that Android  can grow up and offer an experience as polished as Apple’s iOS. Tags: Android, fragmentation, smartphones, tablets Companies: Apple, Google, Microsoft

Read more here

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TechCrunch reports that startup mobile payments, side, expanded its marketing strategy to launch Android library to developers to build a micro right to their applications. Side is unique in the mobile payments that do not require the user to have a credit card or PayPal account. Instead, users are able to accept payments without leaving the application, allowing for a text message to be sent to the handset. After receiving the text, the user responds that allows the application to the account via mobile devices directly to your carrier. This makes the buying process extremely easy and transparent for the end user, such as Side deals with all billing and work with over 40 carriers in 200 countries. The downside for programmers who will be at his side, SDK as part of their application is sometimes high fees that carriers must charge for the license to the Side of the Law with them directly. Some developers said that the charges may be as high as 50% of the purchase application. Side says that they are involved in ramping up negotiations with carriers to reduce those fees at more reasonable. Although this method of clearing the obstacles, it is encouraging to see that one of the main problems that prevent them from developers, said Android development is being actively worked, making it easier for them to monetize their applications for the long term. SDK for developers is available now for download.

Via: The Android App-Billing Started by Side Payments Mobile

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The device’s hardware profile in Android also gave an opportunity to confirm the widely suspected specifications. Apart from the use of 14.4Mbps HSPA 3G instead of WiMAX, it should be much like the Evo 3D and carry a dual-core 1.2GHz Snapdragon processor with 768MB of RAM, a sharp 540×960 screen, an eight-megapixel back camera, and a VGA camera in the front. The glasses-free 3D is expected to be unique to Sprint in the US.

With CTIA having passed, the phone isn’t due to be launched in the near future. Tips have still attached it to T-Mobile and could have it ship in the US in the late spring.

Article source: Read more

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Android have seen massive growth throughout 2010, due to strong sales from a number of vendors. With Samsung, LG, Acer, and HTC all now making Android phones, the Google OS had a massive year-on-year growth rate of 615.1 percent. While the sheer amount of vendors is a definite plus for Android, HTC and Samsung accounted for almost 45 percent of Android smartphone shipments according to this study.

Symbian managed to hold on to second place, with 31 million sales in the last quarter and 30.6 percent of the market share. While this was down from 44.4 percent from a year before, they managed to hold out Apple who came in third with their iOS. Apples market share slipped by 0.3 percent to 16 percent, despite the fact that they sold 16.2 million iPhones.

Coming in at fourth and fifth place respectively were the BlackBerry OS from Research In Motion and Microsofts Windows Phone 7. While new Phone 7 smartphones appeared on the marketplace a little too late in the season to have much of an impact on these results, Microsoft are continuing to plug along steadily.

In terms of smartphone vendors, Nokia retained its top position with 28 percent of the market, followed by Apple with 16 percent, RIM with 14 percent, Samsung with 11 percent, and HTC with 8 percent. 2011 is looking like it will be more competitive than ever before in the world of smartphones, with a number of new technologies being developed and some platforms opening up to new carriers and vendors.

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