Monday, October 05, 2015

Is bitcoin dying in Australia?

Is bitcoin dying in Australia? » PaymentEye

Is bitcoin dying in Australia?

bitcoin new
Banks and businesses in Australia have ruled out any possibility of using bitcoin after 13 of its 17 cryptocurrency exchanges were closed down last month.

Bad news for bitcoin

Bitcoin has been working hard to establish itself as a global mainstream currency for a while. Last month, Bitcoin was seen as a commodity in the United States by the Commodity Futures Trading Commission (CFTC), making it easier to regulate the technology.
Up until recently the cryptocurrency had been making some headway in Australia, with bitcoin debit cards and e-commerce applications being launched across the country. The nation was seen by many as one of bitcoin’s most promising regions, controlling nearly ten per cent of bitcoin’s $3.5bn value.
Australian business owners however have been less than impressed with the potential security risks that are associated with the currency, so aren’t willing to put their reputations on the line.
James Snodgrass, principal of Sydney’s Forsyth Real Estate, attempted to use bitcoin for his company, but was put off by the negative reception he received from customers.
‘‘We’ve got a squeaky clean reputation, and that’s actually worth a lot more to us than dipping into this,’’ said Snodgrass, who parted ways with the cryptocurrency in 2014 after he was investigated by the Federal Tax office, who cleared Snodgrass of any wrongdoing.
With there being no legal implications for those who use bitcoin in Australia, experts are clueless as to why banks and businesses have so abruptly turned their backs on the technology, with the nation’s government encouraging bitcoin use by recommending the removal of sales tax for those who purchase the cryptocurrency.
Tony Pearson, acting chief executive for the Australian Bankers’ Association, wouldn’t give a definitive answer over his nation’s outright rejection of bitcoin, but explained that its ‘‘lack of transparency and regulatory oversight raises a number of risks for users and also poses risks for the payments system, the integrity of the financial system and the erosion of the tax base.’’

What now?

If bitcoin is to have any kind of future in Australia, virtual currency leaders have to go about repairing the currency’s reputation.
13 Australian banks have closed down all of its operations involving bitcoin, with the remaining four having their accounts frozen. This has made a number of merchants question their relationship with the virtual currency.
‘‘If governments begin to aggressively attack the whole idea of cryptocurrencies and give it a bad name, it might have an adverse effect on our brand by accepting it,’’ said David Brim, co-founder of Tomcar Australia, an off-road vehicle distributor, which has sold just one car using bitcoin since November 2014.

Saturday, October 03, 2015

Virtual Terminal Gateway


The Virtual Terminal Gateway allows merchants to process transactions anywhere in the world from web-enabled devices. The Virtual Terminal supports various payment methods including ACH, credit cards and debit cards.

Unique Features of the Virtual Terminal:

  • Real time form field validation - Helps eliminate key-entry errors by highlighting invalid fields and providing positive reinforcement for valid entries.
  • Ability to use encrypted card readers - Secure card readers allow merchants to accept card present transactions. This lowers the risk of fraud and allows merchants to receive discounted processing rates.
  • Check scanning devices - Check scanners provide a fast and efficient way for merchants to process multiple checks and avoid costly mistakes associated with typographical errors.
  • Customer Tokenization - While using the Virtual Terminal, merchants may elect to save sensitive customer data in the Customer Vault for future billing purposes.
Got An Internet Connection?
Merchants can swipe credit cards, key-in cards or even process checks, it can all be done via your browser from anywhere.
This is easy for our merchants to bill their customers regularly. All they have to do is establish a recurring billing schedule and the gateway handles the rest.
Multiple MIDs All In One Place
We can board and manage multiple MIDs on our single gateway account so they can consolidate reporting, manage branches, organize products, etc.
Merchants with multiple MIDs on their single gateway account to automatically determine which MIDs to route transactions to based on advanced load balancing directives.
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With over 125+ Processor Integrations and 150+ Shopping Cart Integrations, we’re pretty confident that we have the integration(s) you’re looking for.
Merchants Manage Their Stuff
We provide our merchants with a unified product database that they can use to enter and manage product SKUs of frequently sold items for quick recall at checkout for Virtual Terminal transactions.
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Virtual Terminal Gateways

Thursday, October 01, 2015

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Wednesday, September 30, 2015

xodyne leads to Blackmotor Corporation to closed

After Trisha Woods and James Black left Tree Top Industries and then the collapse of the Company it would appear that Xodyne Corporation has taken on a similar fate.  The shares certificates that were issued by Prima Capital Group Inc., just might be wallpaper.
Now it appears that all  have surfaced again as Blackmotor Corporation with a possible association and financed through President Corporate Group and managed through Northwest Management. More to follow.  It now appears that Blackmotor Corporation has also shut down as of Dec. 1 2011.  We will see what James Black can come up with for 2012 for a another company in this never ending story?
Looks like they are back at it again in the drone business and with Trisha Woods too!
Las Vegas, Nevada Area - ‎Owner at Air Nautical - Drone Specialist
View James Black CSE's professional profile on LinkedIn. LinkedIn is the world's ... Air Nautical - Drone Specialist,; DataSpace Corporation. Previous. Microsoft.
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Tuesday, September 29, 2015

Sprint Corp (S.N) will not join the U.S. government's auction

Sprint Corp (S.N) will not join the U.S. government's auction of airwaves set for early 2016, as it has adequate airwaves to currently build out its network and for its future needs, the company said on Saturday.
The U.S. Federal Communications Commission is gearing up to auction off valuable 600 megahertz airwaves that can travel long distances and penetrate buildings, to wireless carriers, which are clamoring for faster speeds for data-guzzling customers.
Sprint will not participate as its current holdings of airwaves are "sufficient" for its ongoing network upgrade effort and to serve customers in the future, it said in a statement, making it the first U.S carrier to announce it will sit out of the auction.
"Sprint's focus and overarching imperative must be on improving its network and market position in the immediate term so we can remain a powerful force in fostering competition," Sprint CEO Marcelo Claure, said in the statement. "Sprint has the spectrum it needs to deploy its network architecture of the future."
Investors have been concerned about financial health of Sprint, the no.4 U.S. wireless carrier based on subscribers, which has struggled to report a profit in recent years.
Sprint burned $2.2 billion in cash in the second quarter ended June 30. It is locked in an aggressive price war with its rivals, Verizon Communications Inc (VZ.N) , AT&T Inc (T.N) and T-Mobile US Inc (TMUS.N), which are going after each others' subscribers with deep discounts and promotions that have weighed on growth.
Sprint also skipped the airwaves auction called the "AWS-3" spectrum sale that concluded earlier this year.

Sprint's larger rivals, AT&T Inc (T.N) and Verizon Communications Inc (VZ.N), have said they plan on participating in the 2016 auction.

Sunday, September 27, 2015

Ballard Power Announces $17M Deal to Provide Fuel Cell Power Products for ~300 Buses in China

Ballard Power Announces $17M Deal to Provide Fuel Cell Power Products for ~300 Buses in China
Charles Gross , Benzinga Staff Writer Follow
September 26, 2015 6:51am Comments
Looking for more expert commentary and daily trading ideas? The Benzinga Pro news and data platform has everything you need. Get exclusive, member-only access today with this deal.

Ballard Power Systems
BLDP 2.63%
signed a new long-term license and supply agreement with an existing partner in China, Guangdong Synergy Hydrogen Power Technology Co., Ltd. ("Synergy"), to provide fuel cell Power Products and Technology Solutions in support of the planned deployment of approximately 300 fuel cell-powered buses in the cities of Foshan and Yunfu, China.
The deal has an estimated initial value of $17 million through 2016, with the opportunity for significant recurring royalties starting in 2017. The agreement includes supply and sale of fully-assembled fuel cell power modules, ready-to-assemble module kits, a technology license for localization of assembly, supply of proprietary fuel cell stacks and long-term recurring royalties leveraged to unit volumes of locally assembled modules.
"We are thrilled to have Ballard selected as the exclusive supplier of fuel cell technology for the largest ever global deployment of fuel cell buses," said Randy MacEwen, Ballard President and CEO. "The Foshan and Yunfu governments are demonstrating strong vision and leadership by championing a collaboration model that addresses mass transit needs, supports air quality initiatives and contributes to continued economic development."
Mr. Xu Guo, Vice Mayor of the City of Yunfu said, "We are moving the Cities of Foshan and Yunfu into the future by adopting clean, quiet and economical fuel cell buses. And, we are pleased to have a strong consortium of partners, including Ballard, Synergy and Feichi Bus."
Mr. Ma Dongsheng Frank, CEO of Synergy stated, "We selected Ballard, the global leader in fuel cell technology for buses, as our exclusive technology partner. Ballard's flexible approach in developing a partnership model along with leading technical solutions that address the unique needs and opportunities in the Chinese market has been impressive. We look forward to localizing assembly of Ballard fuel cell modules in Foshan / Yunfu to meet the fast-growing demand for clean energy buses in China."
Mr. Chen Xiaomin, Vice Chairman of Foshan Automobile Transportation Group Co., Ltd. added, "Foshan Automotive is a leader in the manufacture of clean energy buses in Guangdong Province. We see strong demand for low carbon solutions, and are excited by the opportunity to be first-to-market with a fuel cell bus offering. This deal represents a potential catalyst for further advancement and adoption of fuel cell buses in China."
Today's ceremony at Ballard was also attended by senior representatives of the Canadian Federal Government as well as the British Columbia Provincial Government, including B.C. Minister of International Trade Teresa Wat.
Minister Wat said, "This deal shows that B.C. is ready to meet China's rapidly-growing clean energy needs and is a world leader in fuel cell technology with the necessary talent and skills to deliver in the global marketplace. This job-generating deal is a great accomplishment for Ballard and our government is a proud supporter of the company's growth throughout the Asia Pacific Region."
Mr. MacEwen continued, "Given its scale and importance, this deployment in Foshan will serve as a major competitive advantage for Ballard and our local partners as we seek to bring additional Chinese cities onboard. China's new energy program involves forty-eight cities that are focused on addressing severe air quality issues, in part through expansion of public transit, with one thousand clean energy buses to be deployed in each participating city."
Alfred Wong, Ballard's Director - Sales for Asia Pacific added, "This follow-on agreement with Synergy represents a strong statement of support for Ballard's technology and products in terms of meeting the emerging interest for fuel cell adoption in China's enormous mass public transportation sector. Ballard has a strong brand in China and we are moving quickly to seize early market demand."
On September 24, 2015, Ballard announced that the Company is developing two new configurations of its FCvelocity®-HD7 power module, to deliver 30 kilowatts (kW) and 60 kW of net power, respectively, in addition to the 90 kW net power configuration which was launched in June 2015. These two new module configurations are planned to be available for commercial deployment in 2016 and will be supplied to Synergy under the deal announced today.
Today's announcement is also in addition to Ballard's June 2015 announcement regarding the signing of definitive license and supply agreements with Synergy as well as with Nantong Zehe New Energy Technology Co, Ltd. ("Zehe"), valued at $10 million, for the delivery of FCvelocity®-HD7 90kW net power modules, for use in 33 fuel cell buses to be deployed in the cities of Yunfu and Rugao, China.
Ballard's high performance FCvelocity®-HD modules have demonstrated exceptional reliability while clocking millions of kilometers on the road, principally in bus fleets. FCvelocity®-HD7, Ballard's seventh-generation heavy duty module, offers a number of key advantages:
Performance - The FCvelocity®-HD7 heavy duty zero-emission fuel cell power module offers superior performance based on Ballard's proprietary fuel cell stack technology, demonstrating unmatched fuel efficiency, durability and flexibility to operate in extreme conditions that include cold as well as hot, humid environments.
Integration - A simplified and scalable design enables the module to be integrated into multiple transportation applications and the modular design of the air and cooling systems allow flexible and simple "drop-in" integration into vehicle drive trains.
Cost Reduction - The new FCvelocity®-HD7 power module features a reduced parts count, simplified design and lower parasitic load. Key components are manufactured with high-volume production processes, thereby reducing capital cost of the module and maintenance costs associated with parts replacement over the life of the product. Ballard's HD7 represents a cost reduction of more than 30% from the prior generation HD6 product and a cost reduction of approximately 65% in this product line over the past six years.
Leadership - The FCvelocity®-HD7 reflects Ballard's unmatched experience in the field, including: more than 20-years' supporting transit applications; production of more than 150 modules through seven generations of product; working with ten different system integrators and OEMs to power more than 100 buses in 20 cities worldwide; powering fuel cell buses over more than 7.5 million kilometers (4.7 million miles) and transporting more than 10 million passengers in revenue service.
Read more:

Friday, September 25, 2015

5 Ways Reading Makes You a Better Leader

5 Ways Reading Makes You a Better Leader

The Science Behind Reading and Influence

Pollsters say reading is in decline. As an author and former publishing executive, the statistics make me wince. But I’m optimistic for another reason.
iStock_000013809182_Large (1)
Courtesy of iStock/mattjeacock
Why? A readership crisis is really a leadership crisis. And for people who know how to respond, crisis is just another way of saying opportunity.
I’ve been a serious reader for decades: business and personal development, history, the Bible, current events, theology, philosophy, and even some fiction. I’m a content glutton. It’s part of who I am. And it’s also enabled me to become the leader I am.
I’m not alone. I know very few leaders who are uninterested in reading. And some CEOs are famous for their libraries and wide-ranging interests. Steve Jobs was, for one example, obsessed with the poet William Blake.
Readers are likely to be leaders. And with reading in decline, readers possess a comparative advantage in today’s business and political environments. How?
Here are five ways reading can uniquely develop and empower leaders:

1. Reading Makes us Better Thinkers

Reading is one of the most efficient ways to acquire information, and leaders need a lot of general information to keep perspective and seize opportunities. But reading does more than give us a toolbox of ideas. It actually upgrades our analytical tools, especially our judgment and problem-solving abilities.
Research by Anne E. Cunningham compared the general knowledge of readers and television watchers. The readers not only knew more, but they were also better at deciphering misinformation. In other words, reading improved their judgment.
Correctly sizing up a situation—often with incomplete information and limited time—is critical for being an effective leader. I have strong natural intuition, but I’m convinced that my reading has sharpened my edge when it comes to judgment.
These improved analytic tools also help us see patterns and make connections between seemingly random information. We’re not only improving our judgment, we’re also boosting our problem-solving abilities.
I’m always surprised when I’m working on an issue and some out-of-left-field analogy comes to mind from something I’ve read that helps me put all the pieces together. Wesley Hill even recommends what he calls “irrelevant reading,” going outside your field to spark new thoughts and make fresh connections.

2. Reading Improves Our People Skills

Sometimes we think of readers as antisocial introverts with the their nose in a book and ignoring the people around them. But reading can can actually improve a leader’s people skills.
Stories give us an opportunity to walk in other people’s shoes and see the world through their experiences and with their motivations—this is especially true for novels, biographies, and memoirs. When asked about the reading that helps her lead her business, one CEO said the insights about human nature in fiction and poetry has made all the difference in understanding and relating to her people.
And the physical act of reading is actually what makes these lessons stick. Brain scans show that as we relate to characters in stories we make neural connections that linger days after we put the book down on the nightstand.
What this tell us is that the experience of reading has the potential to help us boost our emotional IQ and better identify with people. And empathy is a vital leadership skill for creating alignment, understanding motivation, setting organizational goals, and more.

3. Reading Helps us Master Communication

When we read, especially widely and deeply, we pick up language proficiency that transfers across the board, including speaking and writing.
Reading uniquely expands our vocabulary. According to Cunningham, the books, magazines, and other written texts we read as adults use double and triple the number of rare words we hear on television.
This is important for leaders because an expanded vocabulary means not only greater precision in our communication, but with the improvement in emotional IQ we discussed in Way 2, we’ll also be able to choose words that are more persuasive and motivate the kind of behaviors we want.
We can leverage this across all of our communication. I can personally attest to the fact that this kind of skill transfers to both writing and public speaking. I’ve been doing both for years now, and can’t imagine succeeding without the mastery of language I’ve learned through books and other reading.

4. Reading Helps us Relax

An ongoing challenge every leader faces is managing stress. The great news is that while we’re reading and picking up the benefits of Ways 1, 2, and 3, we can simultaneously lower our stress levels.
One study compared reading to other stress relievers like walking, listening to music, or drinking a cup of tea. Reading was found the most effective, and it worked to lower heart rates and relieve tension in as few as six minutes.
“It really doesn’t matter what book you read,” according to the doctor who conducted the study. “By losing yourself in a thoroughly engrossing book you can escape from the worries and stresses of the everyday world.”
But it’s more than escape. Reading is “an active engaging of the imagination as the words on the printed page stimulate your creativity and cause you to enter what is essentially an altered state of consciousness.”
This is especially helpful before sleep and why reading something light is part of my nighttime ritual.

5. Reading Keeps us Young

I recently explained why older people make better entrepreneurs. They typically have advantages in experience, knowledge, and social networks.
It’s the same with leaders—and readers are especially positioned to leverage these advantages because reading has been shown in research by Keith E. Stanovich to keep us mentally sharp as we age. By exercising our brains with books and other reading we might even be able to prevent dementia in later years.
There are a lot of things we can do to position ourselves in the marketplace. Reading is probably not the first thing many will think of, but it’s one of the best in my experience.
In fact, I cannot think of any other single activity that can produce this list of positive effects. And given the decades-long decline in reading, being a serious reader is an increasingly unique way to develop the insights and qualities essential for leadership.
If you want to lead, you simply must read. It’s one of the surest ways to develop the qualities that will make you stand out and simultaneously equip you to lead as your influence grows.

Tuesday, September 22, 2015

Worldpay launches IPO

Worldpay rejects Ingenico bid as it decides to launch IPO

The saga involving a potential takeover bid for Worldpay has ended after the British payment processor decided to launch an IPO on the London Stock Exchange and looks to raise £890 million.
Worldpay specialises in processing and securing payments for a range of local and international businesses, including Google and Sony.
The company claim to process 31 million payments every day, the equivalent of 360 a second. Profits increased during the first half of the year, rising 13 per cent to £182.6m.
Worldpay will now be expected to pay 20 to 30 per cent of its profits in dividends to its shareholders, with the first instalment taking place in late 2016.

Not for sale

Up until now, there has been much speculation regarding the future of the company.
It was revealed that French payment processor Ingenico tabled a £6.6 billion bid for Worldpay earlier this month, as plans to merge both companies and create a payment giant worth over £11billion began to take shape.
There were also rumours that investment groups Blackstone Group and Hellman & Friedman submitted an offer to Worldpay, but that was never confirmed.

‘Exciting and logical step’

Worldpay’s floating shares will consist of 25 per cent of its outstanding stock. Its decision to trade on the London exchange means that they will enter the FTSE 100.
Phillip Jansen has been chief executive of Worldpay since the company was sold by Royal Bank of Scotland to private equity firms Advent International and Bain Capital for £1.7 billion in 2010.
In a statement Jansen explained that Worldpay has invested over £1 billion into its infrastructure, staff and payment technology.
‘‘The IPO is an exciting and logical next step as we seek to continue this momentum.  It will enable us to access new capital for growth, augment our global proposition and further enhance our ability to serve customers across the world,’’ said Jansen.
‘‘We are extremely proud of what has been achieved through the dedication and talent of Worldpay’s approximately 4,500 colleagues and are optimistic for the future of the company. This future will be built on our long-held pledge to help our customers prosper and I would reiterate my thanks and ongoing commitment to all our customers during this next chapter for Worldpay.’’
Sir Michael Rake, chairman of Worldpay and former non-executive director of Barclays, feels that the public offering will allow the company to continue its development and leadership within the payments sector.
Worldpay’s decision to rebuff Ingenico has been met with positivity from the French group’s shareholders. In Paris, Ingenico’s shares rose by ten per cent after Worldpay’s announcement.

Sunday, September 20, 2015

Canadian Payments Association

Canadian Payments Association presents modernisation vision

As part of its initiative to modernise Canada’s core national clearing and settlement framework and infrastructure, the Canadian Payments Association has set out a modernisation vision based on research conducted in collaboration with the Bank of Canada.

‘Assessing the issues’

The CPA says the report outlines the most critical issues the industry must investigate to improve the payment system to best meet the needs of Canadians.
“There are many options for the future of payment systems and many opinions on what should take top priority. This research gives us a way of assessing the issues, and the tradeoffs, in a comprehensive and systematic way,” said Carol Ann Northcott, vice president, Risk, Security and Research and chief risk officer at CPA.


The research will be used to assess how a payment system should balance the Canadian public policy objectives of safety and soundness, efficiency and end-user interests given the attributes of the system.
The CPA characterises these attributes, which can be used to characterise any payment system, as access, functionality, interoperability, timeliness of payments and risk management.

Three areas of focus

The research points to three areas of focus as the industry considers modernizing Canada’s national clearing and settlement system:
1. A core payment system must provide rich functionality, allowing for value-added services that can evolve with changing technologies.
2. In order for new market entrants to maximize the efficiencies they offer Canadians, their access to the payment system must be considered. With access comes new risks and we must strike the right balance between efficiency and safety as we evolve to meet consumer needs. The research points to three areas of focus as the industry considers modernizing Canada’s national clearing and settlement system.
3. The true demand for timeliness in payments and how best to provide it must be better understood in the Canadian context.
The global payments ecosystem is changing, enabled by new technology and driven by changing user demands. In Canada, we are taking a holistic approach to modernizing our systems, which includes significant research, a global perspective and industry consultation. This particular piece of research is a first step and will help frame industry discussions as we move forward,” said Gerry Gaetz, President and CEO of the CPA.

Friday, September 18, 2015

Apple customers report devices crashing on iOS 9 update

Apple customers report devices crashing on iOS 9 update

A significant number of Apple Inc customers are reporting their mobile devices have crashed after attempting to upload the new iOS 9 operating system, the latest in a line of launch glitches for the tech giant.
Twitter and other social media were awash with disgruntled customers reporting two distinct faults, with one appearing to be linked specifically to older models of Apple iPhones and iPads.
"It is beyond inconvenient to not be able to use your phone for a day," said student Pip Cordi as staff in the Apple store in central Sydney looked at her phone on Friday. "I have a lot of apps that I use for school - things like language apps and dictionaries and that's all really important for my studies."
Another iPhone user, Zorry Coates, said she had spent three hours in the Apple store and had been left with the option of either returning her phone to factory settings - losing any non-backed-up data - or waiting until Apple technicians announced an update.
"They said they were aware of the problem and their engineers were working on it 24/7, but they couldn't tell me when - or how - I would get a solution," Zorry said.
"I'm very annoyed because it's wasted half my day. They pride themselves on being a company that's flawless."
Apple's headquarters in San Francisco did not respond to a request for comment late Thursday. An Apple spokesman in Sydney said the company had no comment.
Despite any troubles, significant numbers of iOS users had upgraded; more than 16 percent, according to Mixpanel, a San Francisco, California-based analytics company, as of 4 p.m. PDT (2300 GMT) Thursday.
Charlie Brown, a technology expert at Sydney-based Cybershack, said any number of dissatisfied customers was significant in the social media era, particularly following the troubled rollout of iOS 8. Apple released several further updates to iOS8, but some of the bugs were never fully fixed.
"The risk to Apple in terms of having dissatisfied customers is that as their customer base grows, so will the number of those dissatisfied customers," said Brown.
One group of users reported that iOS 9 upgrade would fail after several minutes, requiring them to start the process over. Many posted screen shots of the error message they received: "Software Update Failed".
That problem was likely caused by servers that were overloaded when too many people tried to download the upgrade simultaneously, tech analysts said.
"It's like the Black Friday thing," said Bob O'Donnell of Technalysis Research, referring to the major U.S. shopping sale day after Thanksgiving. "Some websites get creamed on the traffic on Black Friday."
Other users, many of them with older devices, reported their devices seizing up on a "swipe to upgrade" page. The latest upgrade had been deemed by Apple as "friendly" to the older devices after the iOS 8 problems.
"Apple were saying the downloading mechanism doesn't take as much space to download," said Sydney-based Graham McKay, an IT support specialist.
McKay and Brown said they always advised clients to wait several days before downloading any new upgrades from Apple, Google Inc or Microsoft Corp to make sure any glitches had been found and ironed out.
Metering the upgrade, or allowing users to upgrade in waves rather than all at once, would have been a smarter approach, O'Donnell said.
"It's a lot about setting expectations," he said.
Apple did this week delay the release of watch OS 2, its updated operating system for the Apple Watch after it discovered a bug in development.