LiveMint ( 16 March 2017 )
carries following news report :
Samsung’s
Galaxy S8 said to adopt facial recognition for payments
“ Samsung Electronics Co.’s new Galaxy S8 will employ
facial-recognition technology for mobile payments within months of release,
adding cutting-edge security to help the marquee device stand out from rivals
such as Apple Inc.’s iPhone, people familiar with the matter said.
The Galaxy S8 to be unveiled later this month will blend
fingerprint, iris and facial detection to verify users accessing mobile
services including Samsung Pay, the people said. It’s already working with
banks to help them embrace facial recognition systems in coming months, they
said, asking not to be identified talking about a private matter. Samsung
declined to comment.
While previous Galaxy
phones have allowed users to unlock their phones with facial recognition, the
Galaxy S8 would be the first to use the technology to verify financial payment
applications.
The Galaxy S8 phone will
also come with Samsung’s own voice-based Siri-like digital assistant “
This is great news !
Just one more step left to enable 1000 million poor / rural / illiterate
, Indians to switch over to mobile wallet based purchase transactions , viz :
GIVING PAYMENT INSTRUCTIONS THROUGH
SPEAKING TO SMART PHONE
{ Read my blog below }
All that is required to
implement my following suggestion is for Shri Ravi Shankar Prasadji , to call
up Mr. HC Hong { President and CEO of Samsung
Electronics Southwest Asia }, to incorporate “ Google Action “ into
Galaxy S8
Friday, 30
December 2016
When BHIM is here, can ARJUN be far away ?
Yesterday , PM Shri Modiji launched a Mobile Wallet App ,
called BHIM
He went on to say :
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The country already had more than 100
crore Aadhaar holders with most of the adult population covered.
There was a time, he said, when illiterate people were called "angootha chap". But now, the thump impression would make way for a person's bank, identity and even business, he said.
"After two weeks, when the new
(Aadhaar-based) system will be launched, BHIM will be the BIGGEST WONDER OF THE WORLD," Modi said.
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BUT HERE IS WHAT NEWS18 REPORTED :
However, in our tests we found that while money sent to UPI
addresses with a mobile number worked seamlessly, all attempts to transact with
a custom UPI address couldn't get through. Also the transactions don't happen
as fast as they claim.
There have been reports of app freezes and "device binding
failed" errors. Some users say their back button don't work.
Even though for an app that has just
been launched, some of the processes - such as verifying an user or making a
payment - took us much longer than expected. Also the lack of on-screen
confirmations confuses. All messaging happens as notifications, which adds
additional steps and also increases the chances of a users failing to notice
them.
This are early days for the app and MORE
FEATURES AND IMPROVEMENTS ARE EXPECTED SOON.
The USP of the app is its simplicity and it might make
cashless payments more appealing for more people if the little creases are
ironed out soon.
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Dear Shri Narendrabhai :
No doubt , this is a great initiative which will help
citizens to migrate to DIGITAL PAYMENTS
But , if BHIM has to obsolete Credit-
Debit cards / Card
Swiping Machines / Point
of Sales (
PoS ) machines / ATMs etc , and truly become THE BIGGEST
WONDER OF THE WORLD, then it would have to be SPEECH
ENABLED , as
suggested in my following email :
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Friday, 9 December 2016
May be not yet , but it can most certainly read every blog and
every email !
And even take " ACTIONS " , if it contains any useful
suggestion
In my blog ( sent as email to NDA Ministers / Secretaries etc,
on 02 Dec 2016 ) , I wrote :
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Dear Shri Amitabh Kant :
There is no doubt , you will encourage PRIVATE SECTOR players to
launch Mobile Wallet apps
But you have this opportunity to SIMPLIFY the use of Mobile Wallet Apps - the use , which appears
" daunting " to rural folks
Here is how :
mobile app , linked to Jan Dhan A/c and to Aadhar Biometric verification of the user
)
* Citizen can download M-Rup ( whether on Smart phone or on feature phone ) ,from
Google App store
* M-Rup can
be activated only after user enters his Jan Dhan A/c number / his Aadhar
Card number and his Mobile number , in the App
* At the time of " Activation ", let the M-Rup wallet get filled up with Rs 100 ( as a freebie )
* This initial loading of M-Rup with Rs 100, to happen, even if
the user has no Jan Dhan a/c
* This initial loading will enable the users to
" experiment "
transferring or receiving digital
money ( even between friends , none of whom have
Jan Dhan accounts !). Make it FUN !
I am sure , you will say :
" How does this make M-Rup any DIFFERENT from any other Mobile Wallet
app ?
Where is that SIMLIFICATION of
use ? "
Dear Shri Amitabh :
Like you ( and of course , Shri Modiji ) , I have a great faith
in the ability of Indian software engineers ( local or NRI ) to come up with
revolutionary solutions / innovations !
Just ask Sundar
Pichai , Sam Pitroda , Satya Nadela , Sachin Katti , Pranav Mistry , Sanjay Sarma , Nandan Nilekani etc , if they will help implement the following :
* Buyer buys something worth Rs 100 from a shopkeeper
* Buyer and the Seller , look into their own
mobile-cameras ( of smart phones
loaded with M-Rup ) for biometric Aadhar
identification / linked to Jan Dhan a/c
* Seller speaks in his mobile :
" Muze Sau
Rupiah dedo "
* Buyer speaks in his mobile :
" Inko Sau Rupiah
dedo "
* Message flashes in the mobile screen of Seller :
" Tumhare
account-me Sau Rupiah
Jamah ho gaya / GST bhi kaat ke Sarkar-ko bhej diya
"
* Message flashes in the mobile screen of Buyer :
" Tumhare account-se
, Sau Rupiah inko
Bhej Diya . Abhi balance me teen sau sath rupiah bacha
hai "
I request all concerned , not to insult our engineers /
scientists / geeks , by doubting if such SIMPLIFICATION ( based on day to day spoken language ) is possible
{ http://www.waverlylabs.com/ }
This is the only way rural India can bypass the Jurassic Age of
Plastic Cards to usher into a CASH-LESS society !
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Dear Shri Amitabh Kant :
While congratulating you - and your entire team of dedicated
professionals - I request you , not to stop with launch of AEPS mobile app
Please, do come up with a version which enables millions of
not-so-savvy Indians to just give a " Voice based Instructions " to AEPS app , for all of
their Digital Payment transactions, in language of their choice
-----------------------------------------------------------------------------------------
Question : Did Sundar Pichai ( Google ) read this
email ?
Answer :
Absolutely ! In case of doubt , read following news appearing in
today's ( 09 Dec 2016 ) , Hindustan Times :
GOOGLE TAKES ' ACTIONS ' TO ITS AI ; TO PARTNER INDIA's GUPSHUP
Internet giant Google on Thursday said it was bringing Google Actions to its powerful artificial
intelligence platform,Google Assistant
Called Actions on Google, the development interface
will allow companies to integrate
direct actions or directly embed the Google Assistant in a range of devices....
" Coming soon : Build Conversation Actions using API.AI and
other tools ", the web site said
" The bot landscape has grown exponentially in the past
year , enabling a world where intelligent , conversational interfaces will be
all around us : at work, at home, on everyone of our devices and appliances
" , Beerud
Sheth , CEO ,Gupshup said
In view of the ongoing shift to CASHLESS TRANSACTIONS , banks and NBFCs can take advantage
of the move to build INTERACTIVE
VOICE-DRIVEN apps
-----------------------------------------------------------------------------------------
Besides Google , I hope members of the Chief Ministers'
Committee appointed to advise the government on DIGITAL PAYMENTS , will read
this email - then call up Beerud Sheth on,
+1-855-982-2997
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17 March
2017
www.hemenparekh.in / blogs