COMM 484 - QUIZ 3
The Bosch Healthcare "____ ____" device offers an interactive user experience to facilitate data transfer.
"Health Buddy"
Apple Pay rollout will begin:
"after relevant test and certification required by Chinese regulators"
Apple CEO - Tim Cook: There are $____ ____ worth of transactions (debt and credit) in the U.S. every day
$12 billion
Coin has secured $___ ____ in Serias A funding led by ____ ____ and _____ _____
$15.5 million Reappoint Ventures Spark Capital
According to a recent report by GSMA and PwC, worldwide mobile health revenue is expected to reach $___ _____ by 2017.
$23 billion Represents rev opportunity across (mobile operators, device vendors, healthcare providers, and content/application providers)
IoT device vulnerability: 60%
- 60% of devices did not use encryption when downloading soRware updates - 60% of devices raised concerns w/ insecure web interfaces including poor session management and weak default credentials
IoT device vulnerability: 80%
- 80% of devices and their cloud components failed to require passwords of sufficient complexity and length - 80% of devices raised privacy concerns given the volume of personal data being collected and transferred to cloud applications
Square
- CEO is Jack Dorsey - supports Visa, MasterCard, Discover, and American Express - processes $15 billion in payments a year - offers Square Register, a free, feature-rich, point-of-sale app, for Apple and Android users - supports EMV cards
How does the ApplePay solution work and how is it different from some of the other mobile commerce products:
- Technology transfer = NFC -
The Mobile Commerce: Banks
- card usage - interest charges - swipe fees
Results from Project Loon:
- data speeds have increased - Coverage area has increased - balloons have stayed airborne for 187 days, circling Earth 9 times - supports LTE connectivity - much cheaper than satellites - estimated that balloon costs are 10s of thousands of dollars - analyzes data from National Oceanic and Atmospheric Administration to determine flight path
The Mobile Commerce: Consumers
- low prices - efficient transactions - data security
Bitcoin info:
- no one person owns or runs Bitcoin. Gavin Andresen is the Chief Scientist - a bitcoin is not tied to any currency - people trade bitcoins anonymously through bitcoin exchanges or via mobile (no fees) - bitcoins can be stored in a digital wallet
The Mobile Commerce: Merchants
- product sales - customer sales - loyalty programs
Vehicle Sync
- provides real-time wireless data exchange between vehicles - prevents over application of seed, fertilizer, and water - eliminates the need for USB data transfer - reduces data input costs
HOBOnode Wireless Sensors
- requires sensor, receiver, and software - 500 to 1000 ft range, repeaters can extend range - solar-rechargeable batteries - alarm notifications sent to cell phone or email account
The Mobile Commerce: Carriers
- retain customers - network utilization - differentiate
The Mobile Commerce: Product
- sales - customer data - loyalty programs
The Mobile Commerce: Devices
- sales - latest technology - differentiate
Nest
- smart thermostat that can be changed from your smartphone, tablet or laptop - Nest "learns" the temperatures you like and builds a personalized schedule for your home - automatically adjusts to a temperature that will help you save money when you're away
Bitcoin concerns:
- the anonymous nature of Bitcoin could assist in the funding of illegal activities - how do you report Bitcoin income? - can the value of bitcoins be manipulated - can a person's digital wallet be hacked?
FarmWorks Stock Mobile
- track herd movement through RFID tags - enter records for animals - birth, weight, health, vaccinations - handheld, tablet, and laptop support - Windows Mobile OS
Concerns for Nest from Google:
- when you leave/return from work - when you go to sleep and wake up - your travel habits, how many vacations per year, how long you are on vacation
Self-Driving Cars benefits: Google has already traveled over __ ____ miles with their self-driving vehicles
1 million
Privacy Rights Clearinghouse data breach database finds that since 2005 there have been _______ healthcare data breaches that have been made public consisting of __________ medical records exposed.
1,889 421,885,347
Self-Driving Cars benefits: there are __.__ _____ deaths from traffic accidents every year
1.2 million
HP Security Research conducted a study in 2014 using ___ of the most popular devices in some of the most common IoT niches.
10
MCX offers access to ________ merchant locations, including:
110,000 Wallmart, Target, Lowe's, Sheetz, Best Buy, CVS, Gap
Projected growth for IoT: 2011 -# of connected devices
12.5 billion
Apple Pay will be supported by China UnionPay and ___ of China's leading banks.
15
IoT first proposed in _____ by ____ _____, a British technologist who studied at MIT
1999 Kevin Ashton
Despite the initial concerns, Apple has once again proven that it has the ability to create new markets. Apple Pay is currently supported at more than __ _____ retail stores (including Best Buy and Rite Aid)
2 million
Berg Insight: Number of patients worldwide using home monitoring systems at the end of 2012
2.8 million
On __/__/___, ______ acquired contactless payment startup ______.
2/18/15 Samsung LoopPay
On __/__/__, ______ announced that they will acquire Softcard's technology and intellectual property
2/23/15 Google Google Wallet will come pre-installed on Android phones (KitKat and higher).
Apple CEO - Tim Cook: Equates to ____ ______ transactions per day
200 million
Berg Insight: Number of people in the EU and US who suffer from a disease where home monitoring can become a treatment option
200 million
In _____, Google submitted the Flexible Communication Systems and Methods patent. implies the ability to select a telecommunications provider on a ____ ____ basis
2008 per session
Dwolla began in _____ and its mission statement is:
2009 - Allow anyone [or anything] connected to the internet to move money, quickly, safely & at the lowest cost possible.
On September 19th, ____, Google launched _____ ______ exclusively with ______.
2011 Google Wallet Sprint
In October _____, the CurrentC app was hacked
2014
January _____, Softcard announced it was cutting ___ jobs to:
2015 60 jobs "simplify the company's organizational structure"
Qualcomm Life's ____ platform is being positioned as an ____ platform for the medical industry.
2net M2M
Trial to offer free WiFi for ____ train stations across _____. Partnered w/ ______ ______ and ______
400 train stations across India - Indian Railways and RailTel
To date, China UnionPay has issued over __ _____ cards. The cards are used in more than ____ countries, accepted by more than ___ ______ merchants, and ___ ______ ATMs.
5 billion 150 countries 26 million merchants 1.9 million ATMs
Apple CEO - Tim Cook: magnetic strips are a ___ year old technology
50 year old
Projected growth for IoT: 2020 - # of connected devices
50.0 BILLION
Projected growth for IoT: 2003 - # of connected devices
500 million
Projected growth for IoT: 2003 - # of humans
6.3 billion
Projected growth for IoT: 2011 - # of humans
7 billion
Projected growth for IoT: 2020 - # of humans
7.6 billion
IoT device vulnerability: 70%
70% of devices failed to encrypt network services transmitting data via the Internet and the local network
ApplePay: in the first ___ hours, over ___ _______ cards were activated
72 hours 1 million cards
today there are approximately ___ "things" connecting for the first time to the internet every second
80
LoopPlay claims that is has developed a product that will work w/ approximately ___% of existing point-of-sale terminals
90%
Self-Driving Cars benefits: ___% of accidents in the U.S. involve human error
94%
Glucose Monitoring
Abbot Labs Bayer Healthcare J&J Roche
Soft Card credit cards:
American Express, Chase, Wells Fargo
_____ launched its mobile payment system in China on Thursday in a bid to convince the hundreds of millions of users of the country's entrenched, dominant services to switch
Apple Inc - not an easy process, people are skeptical
Apple introduced ______ on 9/9/14
ApplePay
Coin began shipping products in ____ 2015 and is currently accepting orders for Coin 2.0
April 2015
The ____-_____ generation (aprox 73 million ppl born 1946-1964) are entering Medicare at a rate of ______ per day for the next 15-20 years
Baby-Boomer 10,000 per day
Started in 2009, _______ is a completely anonymous, cryptocurrency that is traded online or through mobile apps
Bitcoin
Telehealth Solution Providers
Bosch Healthcare Honeywell HomMed Phillips Healthcare
Cardiac Rhythm Management
Boston Scientific Medtronic St. Jude Medical
_______ ______ and _______ _________ have introduced devices that help patients manage heart ailments.
Boston Scientific and Bosch Healthcare
Apple continued with its focus on the ________ market when it announced in _________ 2015 an agreement with ______ ________.
Chinese December China UnionPay
____ is a privately held, ___ _____ -based startup that is looking to consolidate your existing credit cards into one card
Coin San Francisco
MCX offers free downloadable mobile app called ________ on _____, and ___ _____, and features include:
CurrentC iTunes & Google Play - protect and leverage valuable data to offer customer better experiences and interactions throughout the path to purchase - integrate w/ loyalty programs and promotions - integrate CurrentC secure payments w/ their won merchant app
_____ is startup based in ____ ___, _____ w offices in San Fran, Kansas City, and New York.
Dwolla Des Moines, Iowa
Transition from magnetic strip cards to _____ CARDS
EMV
EMV Cards
European, MasterCard and Visa - global standard for inter-operation of integrated circuit cards (IC cards or "chip cards") and IC card capable point of sale (POS) terminals and automated teller machines (ATMs) for authenticating credit and debit card transactions.
Apple knows where you buy things. TRUE or FALSE
False
IoT: Agriculture
FarmWorks Stock Mobile HOBOnode Wireless Sensors Vehicle Sync
Diabetes portable blood glucose meters developed by Abbott Labs - takes readings that can be uploaded to a software app:
FreeSyle
Google announced the Google _____ initiative in 2010
Google Fiber
Free soft card app is available on _____ ___ and ____ _____ stores
Google Play Windows Phone no APPLE
ApplePay: Solution
How is Apple uniquely positioned to solve this market problem? How is the Apple solution superior to existing market solutions?
Tables of insufficient healthcare capacity (hospital beds and physicians)
However,mobile penetration rates for Africa, Asia-Pacific, and Latin America are expected to increase beyond 82%, 98%, and 119% respectively
Google's latest quest for internet connectivity focuses on _______ & ______
India and NYC
IoT
Internet of Things facilitates the connection of a broad array of devices to the internet, enabling data collection and management via software and/or smartphones.
____ will deliver free Gigabit WiFi, video and voice calling, access to emergency and other city services to residents and visitors
Kiosks
Samsung Pay was launched in _____ in August ____, and in the _____ in September _______
Korea - August 2015 U.S. - September 2015
Apple represents _____ than the total of all of the other providers
MORE
MCX
Merchant-Owned mobile commerce network built to streamline the customer shopping experience
Patient Pathway
Monitoring will account for approx 65% of revenues by 2017
Does Apple know how much you pay for things?
NO
Does Apple know what you bought?
NO
Google established a presence in an IoT provided when they acquired _____ in 2014 for $___ ______.
Nest $3.2 billion
Google Wallet worked on the Sprint _____ __ handset which was NFC-enabled
Nexus S handset offered on one device, through one carrier and utilized one credit card vendor (Citi MasterCard)
July 2014 - _______ eye care division, Alcon and Google[x] announced partnership to develop contact lenses that monitor blood-sugar levels
Novartis - Lenses contain a tiny sensor that relays data on glucose contained in tears - The antenna is thinner than human hair - The lenses may also be used to correct vision similar to the autofocus function on a camera - Market introduction may occur in late 2016
Square liability shift:
October 2015 - merchants who don't accept the EMV cards will be responsible for any fraud they suffer, not the credit card companies
A former of eBay, _______ was founded in _____ and quickly emerged as an e-commerce leader.
PayPal 1998
In 2015, Google introduced wireless services through ______ ____. Google is operating as an _____, utilizing ________ and ___' ______'s network to deliver wireless service to customers.
Project Fi MVNO Sprint and T-Mobile's
Google's ____ ______ initiative is attempting to provide internet connectivity to remote parts of the world utilizing low altitude ________
Project Loon balloons
Google's Project _______ is seen as complementary to ______ ____ and could dramatically change the wireless landscape.
Project SkyBender Project Loon
The CurrentC app uses ___ ____ displayed on a cashier's screen rather than using NFC.
QR codes
_____ offers a downloadable app from iTunes and Google Play that will accept blood pressure data via Bluetooth from a wireless blood pressure device
Qardio
_________ has developed a subsidiary company called ______ Life to focus on medical device connectivity and data management.
Qualcomm
M2M, Personal Health Records
Qualcomm Microsoft
Apple devices will interact with China UnionPay's _________-enabled POS terminals
QuickPass-enabled POS terminals
On October 25th 2015, _______ and _____ disabled ____ support. As a result, Apple Pay and _____ ______ are no longer supported. _____ _____ and _______ turned off NFC support in March 2015.
Rite Aid and CVS NFC support Google Wallet Best Buy and 7-Eleven
Boston Scientific's _____ product can automatically take corrective action.
S-ICD
S-E-N-S-E
SENSING EFFICIENT NETWORKED SPECIALIZED EVERYWHERE
______ _______ Nears 5M Users in Six Months, Processed $500M+
Samsung Pay
Google has formed _______ _____ to address urban communication challenges
Sidewalk Labs
______: founded by _____ Mobility, _____ USA, and _____ Wireless.
Softcard: AT&T Mobility T-Movile USA Verizon Wireless NO SPRINT
Another San Fran based startup, ______ facilitates mobile commerce through an attachment for ______, _____, and ______ devices
Square iPhone, iPad, and Android
Recent information published by the U.S. Patent and Trademark Office suggests a significant departure from the current Touch ID strategy. TRUE or FALSE
TRUE
Google acquired drone maker ___ _____ in 2014 and is reportedly working to deliver ___ wireless capability w/ speeds up to ___ times faster than ____.
Titan Aerospace 5G wireless capability 40 times faster than LTE
_____ has close to 100,000 fleet vehicles. In 2010, a telematics initiative resulted in the reduction ____ ______ minutes of idling time. This translated into a savings of 103,000 gallons of fuel.
UPS 15.4 million minutes
U.S., European, Asia-Pacific Wireless Carriers
Verizon AT&T Sprint Vodafone Deutsche Telecom Orange Group Telecom Italia NTT DoCoMo SK Telecom
_____ and ___________ shared with Apple that if you sum up everyone else who is in the contactless mobile payment market at point-of-sale, Apple is #___
Visa and MasterCard #1
ApplePay: Market Opportunity
What data suggests that a viable market exists? Why should Apple investors have confidence in this new venture?
ApplePay: Market Problem
What is the specific market problem that is being addressed? What is the scope and frequency of the problem?
Who won the Verizon Powerful Answers Award? What was the technology for?
Yaopeng Zhou Vision - attachment to smartphone to provide a prescription
Efficient: What IoT does
adds intelligence to manual processes
Self-Driving Cars benefits: ____ and/or _____ impaired people do not have to give up their independence
aging and/or visually impaired and disabled
Networked: What IoT does
connectes objects to the network
100W
connects to new or existing water meters to facilitate automated meter reading (AMR)
Specialized: What IoT does
customizes technology and process to specific verticals
Everywhere: What IoT does
deployed pervasively
Efficient: How it differs from today's internet
extends the internet's productivity gains to things, not just people
The latest patent submission suggests that _______ ______ data will be stored in the cloud to facilitate authentication across multiple devices.
finger biometric
Google's new mission?
free internet connectivity
Who is the company increasing healthcare access throughout rural villages in India?
iKure Techsoft
China UnionPay cardholders can add bank cards to Apple Pay on ______,_____, and _____.
iPhone, Apple Watch, and iPad
PayPal offers free downloadable mobile apps on ____ and ____ ___ and features include:
iTunes & Google play - app can make payments across multiple mobile apps w/ one touch - take a picture of your bank, credit or debit card and upload it to your digital wallet - mobile purchases are free, selling products in the U.S. costs 2.9% + $.30 per transaction - send money to friends and family in the U.S. for free when you fund the transfer w/ your bank account or PayPal balance
Dwolla offers free downloadable mobile app on _____, ___ _____, and _____ _____ and features include:
iTunes, Google Play, and Windows Store - app securely connects to your bank account - move your money from your bank account for $.25 per transaction, or free for transactions $10 or less - does not use any credit or debit cards
Merchants have also expressed displeasure regarding the:
inability to obtain customer data and the associated credit card swipe fees (between 2% and 4%)
Sensing: What IoT does
leverages sensors attached to things
Primary goal of IoT utilities
maximize the usage of available natural resources
Is Square merchant focused or customer focused?
merchant
The rapid evolution of _____ _______ provides an unprecedented level of access to developing regions that may have an insufficient number of physicians or hospitals to care for their residents.
mobile networks
Sensing: How it differs from today's internet
more data is generated by things w/ sensors than by people
These interactions represent _____ than ___% of customer interactions w/ banks
more than 80%
China UnionPay operates China's:
national interbank clearing and settlement system
IoT Market Opportunity: Transition to IPv6
network equipment is transitioning away from IPv4 to IPv6. IPv4 supports 32-bit addresses (translating into roughly 4.3 billion addresses). IPv6 can support 128-bit addresses (translating into roughly 3.4 x 1038 addresses). As such, IPv6 offers almost limitless potential for connected devices.
Softcard mission:
offer customers a safe and simple way to shop, pay, and save
Google Fiber:
offers speeds up to 1 Gbps - directly challenging ISPs and television providers
Self-Driving Cars benefits: the potential to reduce the need to dedicate space for:
parking lots
Self-Driving Cars benefits: the opportunity to be _______ while commuting to/from work
productive
Centurion II Smart Meter
provides electrical consumption data
2.4GZ OpenWay Gas Module
radio-frequency gas meter that communicates with Smart Grid applications
When Apple introduced Touch ID, industry analysts and politicians expressed concern regarding the:
security of fingerprint storage
Google began their ___-____ project in 2009
self-driving
Estimated that _________ will represent more than half of global handset sales by the end of 2015.
smartphones
Networked: How it differs from today's internet
some of the intelligence shifts from the cloud to the network's edge
IoT Market Opportunity: Smartphone proliferation
thanks to IOS and Android, smartphones have emerged as the desired form factor fro mobile devices PERSONAL GATEWAY TO THE IoT
IoT Market Opportunity: Decreasing bandwidth prices
the cost of bandwidth has declined by a factor of nearly 40x over the past 10 years
McKinsey concludes that "payments represent the beachhead for the entire banking relationship, and:
this beachhead is under attack"
Self-Driving Cars benefits: self-driving vehicles could reduce ____ and ____ consumption
traffic and fuel
The average customer interacts w/ his or her bank at least _______ a day for payments-related matters
twice a day
Everywhere: How it differs from today's internet
ubiquitous presence, resulting in an order of magnitude more devices and even greater security concerns
Specialize: How it differs from today's internet
unlike the broad horizontal reach of PCs and smartphones, the IoT is very fragmented
IoT Market Opportunity: Ubiquitous wireless coverage
wireless carriers continue to deploy faster networks that are increasingly more reliable. WI-FI usage offers the ability for wireless connectivity using unlicensed spectrum
IoT - Fleet Management
§ Real-time GPS tracking § Accident reports § Idle time, average speed, mileage § Fuel consumption § Route optimization § Vehicle maintenance scheduling § Seatbelt usage § Driving habits - sharp breaking, aggressive driving