CIBC and Rogers Unveil the Future of Mobile Payments in Canada ...

CIBC Rogers Mobile Payment

CIBC and Rogers Communications today ?announced an agreement to launch Canada?s first joint mobile payment solution, allowing Canadians to pay with their CIBC credit card at the checkout counter using their Rogers ?Near Field communications? (NFC) enabled smartphone. Beginning later this year, customers will be able to use this payment capability at merchants acrossCanadawhere contactless credit card payments are accepted.

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This announcement represents the first time a bank and a wireless carrier have joined forces to offer a commercially available mobile payments solution to Canadians that leverages the secure SIM card inside an NFC-enabledRogerssmartphone. This new solution aligns to guidelines announced yesterday by the Canadian Bankers Association for mobile payments in Canada, as well as those developed by respected international associations such as the GSM Association (GSMA), the association of mobile operators and related companies dedicated to standardizing and supporting GSM technology.

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Some of the key features of the new mobile payments solution include:

• Full access to a client?s existing CIBC credit cards on their smartphone at no extra cost ? whether Visa or MasterCard ? this gives clients the opportunity to earn loyalty points on purchases as they do today.
• Multiple layers of security ? Paying with your NFC-enabled smartphone will be as secure as using your credit card today. Clients will receive the same fraud protection they do with their contactless credit card, and secure encryption technology will add to the layers of security already in place on credit card purchases. Clients will also have the option to set additional password protection.
• No ?stickers? on your phone ? this new payment capability will leverage the secure SIM card inside a mobile device for payments, meaning clients can manage their credit card credentials on a secure platform, and won?t need to worry about stickers attached to their phone.

This new CIBC mobile payments capability will be available on select BlackBerry smartphones on theRogerswireless network when the solution launches later this year, with additional device choices for clients available following launch.

MasterCard?s Mobile Payments Readiness Index ranksCanadaahead of theUnited Statesand second out of 34 countries.? A key finding emphasizes that partnerships among the key players in the mobile payments ecosystem ? financial institutions, payment networks, telcos, governments, technology providers ? are essential to accelerate the commercialization of mobile payments.

Today?s announcement builds on CIBC?s leadership position in delivering mobile innovations to clients. CIBC was the first bank in Canada to launch a mobile banking App in 2010, and more recently became the first bank in Canada to deliver an App that allows clients to trade stocks on their mobile device through the CIBC Mobile Brokerage App. The bank ?also offers the CIBC Home Advisor App, free to all Canadian homebuyers, giving them access to information about housing prices and other key neighbourhood data in an area they may be considering. CIBC was named ?Best in Mobile Banking? globally by Global Finance magazine in 2011.

In 2002,Rogerslaunched its GSM wireless network, and last year was the first carrier inCanadato launch LTE, bringing the largest and fastest network and a global wireless standard toCanada. Today?s announcement builds on this foundation of world-class networks,Rogershistory of innovation and mobile commerce expertise, specifically in the area of

?mobile proximity payments. Over the past six years,Rogershas worked with the GSM Association, including the ?Pay-buy-Mobile? initiative to get industry standard payment cards ? like MasterCard or Visa ? on industry standard GSM devices. In the past year, the GSM Association further namedRogersas one of many operators worldwide committed to SIM-based NFC solutions and services.

Filed Under: Rogers

Tags: Cell Phone ? CIBC credit card ? CIBC Rogers ? Cool Gadget ? latest gadget ? Mobile News ? Mobile Payment ? mobile payment solution ? mobile plan ? new release ? phone news ? Telecom news

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Dashlane 1.1

If I had to describe the new Dashlane 1.1 (free) password manager in a single word, I'd call it elegant. Dashlane handles the same essential tasks as other password managers, but with a better appearance and a minimum of user effort. It also boasts features you just won't find in the competition. At present it only supports Firefox and Chrome; Internet Explorer support is coming in "a few weeks."

Good Start
Right from the start, Dashlane makes an impression. Other password managers order you to create a strong master password for data encryption. Some of them will rate your password's strength. Dashlane offers a wizard that helps you devise a memorable but unguessable password. It uses a technique similar to one I wrote about recently, combining a memorable sentence with a memorable number.

During the install process you can import any passwords you may have stored in Chrome, Firefox, or Internet Explorer. Dashlane can also import passwords from LastPass 1.72 (free, 5 stars) and RoboForm Desktop 7 ($29.95 direct, 4 stars), as well as 1Password, Keepass, and Password Wallet.

At present, LastPass handles some unusual login configurations that Dashlane doesn't, so when I imported my over-200 LastPass passwords some of them didn't come through. Those that did worked perfectly.

After installation Dashlane invites the user to enter contact, address, and credit card information. RoboForm, LastPass, Kaspersky Password Manager 4 ($24.95 direct, 4 stars) and others also store credit card data, but Dashlane does it with style. For each card you can specify the bank name and card color. When you're filling in credit card data on a Web form, you'll easily pick the right card by its color and bank logo.

Almost all password managers include the option to automatically log out after the computer is idle for a specified time, but often this feature isn't obvious. Dashlane makes it easy. By default it logs out after 30 minutes of inactivity. The first time it does so, it pops up and asks whether you want to keep that setting, change the timeout, or turn off automatic logout.

To Sync or Not To Sync?
Dashlane can operate as a standalone application on one single computer, or it can sync through your online account to make your data available on multiple Windows or Mac computers. The choice is yours, and you change your mind later if desired. In standalone mode it's similar to RoboForm Desktop 7; with syncing enabled Dashlane more closely resembles RoboForm Everywhere 7 ($19.95 direct, 4.5 stars).

Keeping all your sensitive data on your own PC seems intrinsically more secure than syncing through the cloud, but Dashlane goes to great lengths to ensure your synced data's safety. As with LastPass, it doesn't store your master password anywhere. If you forget the master password, you just have to start over.

When syncing with the cloud, Dashlane uses 256-bit AES encryption end to end. It derives an encryption key in part from the master password and in part from a device-specific key that's generated when you initially authorize Dashlane to run on that device. No unencrypted data leaves your system.

If you wish, you can limit what Dashlane syncs between computers. By default it syncs login credentials, personal data, and purchase history but doesn't sync credit card numbers and security codes.

A malicious or hacked website could conceivably host code that would simulate mouse clicks to trigger Dashlane's password or form filling abilities. According to a Dashlane whitepaper, the programmers headed off this kind of attack by using only C++ code in user-facing interactions, no Javascript at all. The paper concludes that a "large scale brute force attack" is impossible by either external hackers or a rogue employee.

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EU airstrike on Somali pirates echoes US drone strategy

An airstrike on Somali pirate logistics by EU helicopters puts EU members on footing similar to that of the US, which has used drones and special forces to target Islamist militant group Al Shabab.?

By Mike Pflanz,?Correspondent / May 15, 2012

This morning's airstrike on Somali pirates by a European Union military helicopter brings the EU more?in line with US military methods in the country, but key differences in priorities remain.

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The raid, launched from one of nine EU Naval Force warships patrolling off the Somali coast, wrecked five pirate attack boats and destroyed fuel supplies and a weapons cache, officials and witnesses said.?It follows a strengthening of the EU force?s mandate, approved two months ago, that now allows airstrikes on known pirate ?logistics? on the ground, not just at sea.?

Military commanders with the EU Naval Force, headquartered in Britain, took pains today to stress that the mission was conducted entirely from the air.??At no point did EU Naval Force ?boots? go ashore,? the force's press office said in a statement.?

France is the only European country known to have ever sent soldiers into Somalia,?despite the fact that far more Europeans have been kidnapped than Americans.?That one mission, to rescue a French yachting family, ended in tragedy when the boat?s skipper, Florent Lemacon, was killed in the crossfire.

The European reticence to put boots on the ground contrasts with the recently redefined, more assertive US approach to combating Somalia's combined challenges of piracy and growing radical Islamism.?

In January President Barack Obama ordered a small unit of elite Navy Seals deep into pirate territory in central Somalia to rescue Jessica Buchanan, an American aid worker, and her Danish colleague, Poul Thisted.?

It was the first time that Washington admitted that US ?boots? were ashore in Somalia, but defense sources and Somali eye witnesses have reported on several occasions in the past that American forces have carried out raids in the country.?This has always been denied by US government officials.?

Meanwhile, unmanned drones launched from a circle of US airbases, or airports in countries allied to Washington, have targeted ? often successfully ? agents of Al Shabab, Somalia?s Al Qaeda-linked Islamist militants.

'A dangerous game'

By bringing its fighting strategy more in line with that of the US, Europe is playing ?a very dangerous game," says Bronwyn Burton,??deputy director of the Michael S. Ansari Center at The Atlantic Council and an expert on Somalia.?

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Pay Per Click Advertising Success - Strategies That Really Work ...

Remember that what works well for one business situation with developing more cupcake wrappers may not work successfully with your business. One of the most basic prerequisites for successful conversions is based on knowledge of those to whom you are selling. Understanding your market is perhaps one of the most important responsibilities you have toward your business. If you do this and execute well, then your conversions and effectiveness will increase substantially. There really are no two ways about this; you must take your cues from what is known and use it skillfully. That common understanding is the basis for your content being accepted by them and trusted. Many people that are into online advertising use pay per click advertising, or PPC for short. People that have researched this form of advertising have heard a number of horror stories. Everyone that does this type of advertising has to be careful - you can lose your money quite quickly! Anytime you want to succeed at anything, you need the knowledge to do so - PPC is no different. So if you have never read anything on the subject at all, it is probably a bad idea to do this. It should be very easy for anyone to do if they take the time to learn the mechanics of the system. Now let's take a look at some proven techniques (three of them in fact) on how to do pay per click advertising successfully. Always test out your marketing and advertising because this is the best way to get more profits out of them. This becomes even more urgent and critical when you want to run a PPC ad campaign. All of the best PPC platforms give you the ability to rotate your ads so that you can run the A/B split test on them. So that's already set up, you just have to use it. It is important to make sure that your headline is optimized before you run even one ad. Keep testing until you cannot produce better results. The second most important part of the ad is the body copy so run tests on these next. Newbies like to check their campaigns throughout the day, especially ones that they have just launched. It is possible to look at many aspects of the ad, but it usually comes down to the number of clicks. People like to see how much their ads are costing them as well. That is fine but really should only be confined to the first several days after a new campaign is launched. Being obsessive with your campaigns is not necessary. It is important that you gain experience, moving forward as you become more confident at this. Making unnecessary changes is one of the things you should avoid, and to do this, you should not obsess over your campaigns. Your campaign performance can be greatly diminished and adversely affected by doing so. We are confident many would like to take advantage of the full power of image consultant gold coast in their internet business; but you have to be careful and avoid proceeding with limited knowledge in your campaigns. If you have only heard about the above, then you definitely have to dig deeper if you want to use this and know how to use it with competence. If you have had your business for just a few months, you may not know all you need to know especially if your time is very limited. Our articles are designed to be an introduction, and of course we cannot go into great detail when presenting multiple methods or ideas in a single article. If you really take a very close look at all we talk about, you can spend a lot of time testing and exploring additional possibilities. You probably already know about the different strategies involved in writing headlines. For instance, you can create headlines that are a question. You can also write headlines that have been designed to hit nerves. There are also other kinds that make people extremely curious. You will start to see a huge difference in your click through rates once you start using different strategies in your PPC ad headlines. You can be quite creative with these and it should go without saying that you shouldn't forget to test your headlines. It might take you some time to get good at writing in different formats but it isn't difficult and it can help you raise your profits. When it comes to doing business online, PPC advertising is a tough place to be. Anyone with campaign experience understands how to make them profitable. But that is no reason to avoid it, and you can get around these things pretty easily, anyway. There are many teachers on the Internet that can show you how to do this the right way, but usually they're selling something. We understand very well that make up schools sydney is nothing new within the world of internet marketing and business. One of the most powerful behaviors you can have is maintaining an open mind as it pertains to marketing and advertising. Perhaps only one thing you just learned could be used in your marketing, and if that is the case then you should embrace it. This does not have to be a complicated process, and it just involves making a decision to test one of these methods out. If you do not have the funds to buy courses and ebooks, then one solution is to join marketing and online business forums and do some background reading. What you need to do is have a solid grasp on any method enough so you can at the very least test it in your business. Only you know what is best for your business, so just be sure you integrate it as smoothly as possible.

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New generation challenges some blacks in Congress (The Arizona Republic)

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Former Murdoch journalist: stories made up, lived in culture of fear (Americablog)

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'Game Of Thrones' Has No Honor

Burning kids, breaking vows and snapping necks are the topics of conversation on this week's 'Thrones.'
By Josh Wigler

Alfie Allen in "Game of Thrones"
Photo: HBO

Is there such a thing as going too far on "Game of Thrones"? Just ask the charred toddler hanging on the walls of Winterfell — he'll have an answer, I'm sure.

Season two has already seen no fewer than four of its currently aired seven episodes conclude with the death of a child in increasingly brutal fashion. And "A Man Without Honor" — the 17th hour of the series — was perhaps the cruelest of the bunch, thanks to Theon Greyjoy. Not quite the boy-monster that Joffrey is, Theon is definitely giving him competition for the show's Most Loathsome Villain award. Even though the golden-haired demon child sat out of this week's outing entirely (ironic, given the title of the episode), Joffrey's presence hung heavily through Sansa and Cersei, both of whom are afraid of the boy king, but for very different reasons.

Oh, and did we mention that a certain little kingslayer made his ugly comeback this week? Learn all about that and more in the rest of our "Game of Thrones" recap.

Better to Be Cruel Than Weak
If Theon is truly lost, then he's finding his way back to himself through fire and blood, just like Dany. Unlike Dany, his version of "fire and blood" includes murdering innocent children to further his own agenda. Theon has very clearly lost it at this point. In addition to slaying kids who may or may not be Bran and Rickon (you know the rule of fiction, guys — unless you see a character die, they're never really dead), he's taken to physically harming every single person who opposes him. Poor Ser Rodrik was just the tip of the iceberg.

You Know Nothing, Jon Snow
North of Winterfell and well beyond the Wall, the crow Jon Snow and the wildling girl Ygritte are having themselves a grand old time. Well, not grand, but certainly sexually charged. It's funny to see someone speak in such a way to Jon. He's not the man of the Night's Watch he thinks he is, not in Ygritte's eyes; to her, he's just "a boy who's never been with a girl." She's not wrong, really. But all of that might change now that the roles have reversed and Jon's become Ygritte's captive. Also, fans of the books, were you as psyched as I was to hear Ygritte spit out her most famous line to Jon? We'll be hearing plenty more "you know nothings" as the season progresses, I bet.

The Lion King and the Wolf Girl
If the Emmys had a Best Onscreen Duo award, I'd make a strong case for Charles Dance and Maisie Williams. Their scenes as Tywin and Arya in the ruins of Harrenhal are swiftly becoming the best scenes of the season. Some out-of-context dialogue highlights: "This will be my last war, win or lose." "Do you think I'd be in this position if I'd lost a war?" "Careful now, girl. I enjoy you, but be careful." "You're too smart for your own good. Has anyone told you that?" Dance and Williams just clearly get a kick out of each other, and their chemistry is infectious. Great stuff.

Love Your Children
Down south in King's Landing, there's no sight of Joffrey Baratheon, yet the Lannister-in-stag's-clothing remains a hot topic for his surrounding court. Sansa Stark makes the bloody discovery that she's now able to bear Joff's children, a realization that she unsuccessfully tries to keep from Queen Cersei. Surprisingly, when giving Sansa advice, Cersei doesn't even really recommend that Sansa work towards falling in love with Joffrey some day — "You can try," she says skeptically, but her real advice is to "love no one but your children." She's having trouble listening to her own words, as Joffrey's continued cruelty pushes the Lannister matriarch further and further away from her son.

Uniquely Unfit for Constraint
In further Lannister news, "A Man Without Honor" saw the not-so-triumphant return of Jaime Lannister for the first time since the season premiere. Nikolaj Coster-Waldau stole the show this episode, as he tends to do whenever he's onscreen. But I'm glad it's taken us this long to see him again — absence makes the heart grow fonder, even if a murderous prison escape makes it grow a little firmer in the end. Aside from seeing Jaime again, the Stark Camp story reached some other notable moments that should have fans of the books grinning: the furious introduction of Rickard Karstark, the developing creepiness of Roose Bolton, and the first mention of the MIA Barristan Selmy in what feels like ages. Yeah, remember that guy? Got a funny feeling we'll see that bold warrior again soon. ...

Undying Love
Finishing up all the way in Essos, we return to the plot point that's got my head spinning most: Qarth. So, Xaro Xhoan Daxos is in cahoots with the warlocks of the House of the Undying to kill the rest of the Thirteen and become the king of the greatest city that ever was or will be? And they took Dany's dragons, pretty much just to prove a point? Needless to say, these are more things that never happened in George R.R. Martin's novels. And once again, not sure what to think about all of these alterations, except that I think they're way too melodramatic for melodrama's sake. That said, while I'm not a fan of where the story's gone, there's no denying that Ian Hanmore is thoroughly disturbing as blue-lipped baldy Pyat Pree, and the potential for an incredibly unsettling House of the Undying scene is certainly there.

In Previous "Game of Thrones" News ...
» Amrita Acharia reveals killer secrets
» "Game of Thrones" throws out the book
» The king is dead
» The birth of the Shadow Baby
» Robb Stark finds love

What did you think of this week's "Game of Thrones" episode? Tell us in the comments section!

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