Extreme Test Otterbox 2600 PDA Case
Review and EXTREME test of the new Otterbox PDA series 2600 case for all mobile devices $49.95. get one at: http://www.otterbox.com
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Duration : 0:4:59
Categories: PDA Reviews Tags: 2600, 60, all, and, Apple, as, at, blackberry, Bo, Box, buy, buymeaniphone, case, cell, ces, check, Comm, Da, de, device, devices, en, extreme, for, get, giveaway, ip, iphone, IT, K, LED, M, me, mobile, monthly, new, of, on, One, otterbox, pda, pda case, phone, Rate, review, sc, series, test, the, vx, wi, X6, you, youtube
Is there a mobile TV software for nokia cell phone?
Is there a mobile TV software for nokia cell phone? I want watch tv on my nokia, thanks!
Hi, you can try Mobile TV Elite software, I have use it long time and it is the best Cell Phone TV Software I have ever seen. It can enable you to watch more than 1000 Live TV Channels on all kinds of mobile cell phones, include nokia, blackberry, windows mobile, android, iphone, even iPad and other portable devices. Download it here and instantly turn your phone into a Super TV :
http://mobile-phone-tv.net/mobiletvelite/
Mobile TV Elite Software is compatible with almost all types of mobile cell phones. You only needs ONE of the following things to transfer the software to your mobile device: 128 Mb memorycard or higher, card-reader or USB cable.. Following is part of Nokia cell phones which Mobile TV Elite support:
Nokia 3230
Nokia 3250
Nokia 330
Nokia 3600
Nokia 3650
Nokia 3660
Nokia 5200
Nokia 5500
Nokia 6131
Nokia 6230
Nokia 6230i
Nokia 6233
Nokia 6235
Nokia 6260
Nokia 6265
Nokia 6270
Nokia 6275
Nokia 6280
Nokia 6288
Nokia 6290
Nokia 6300
Nokia 6600
Nokia 6620
Nokia 6630
Nokia 6638
Nokia 6670
Nokia 6680
Nokia 6681
Nokia 6682
Nokia 7610
Nokia 770
Nokia 7710
Nokia 9300
Nokia 9300i
Nokia 9500
Nokia E50
Nokia E51
Nokia E60
Nokia E61
Nokia E61i
Nokia E62
Nokia E65
Nokia E70
Nokia E90
Nokia N70
Nokia N71
Nokia N72
Nokia N73
Nokia N75
Nokia N76
Nokia N80
Nokia N800
Nokia N81
Nokia N82
Nokia N90
Nokia N91
Nokia N92
Nokia N93
Nokia N95
Nokia N-Gage
Nokia QD
…
Hope this could help you!
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Support devices of Mobile TV Elite Software?
I found an Mobile Software which can be used to watch TV on my cell phone: Mobile TV Elite Software.
Does anyone know the support devices of Mobile TV Elite Software?
Well, just google it and you can find the Support devices of Mobile TV Elite Software here:
http://mobile-phone-tv.net/support-devices-of-mobile-tv-elite-software
I have used Mobile TV Elite software to watch TV on my cell phone long time. It can enable you to watch more than 1000 Live TV Channels on all kinds of mobile cell phones, include nokia, blackberry, windows mobile, android, iphone, even iPad and other portable devices. Get it here:
http://mobile-phone-tv.net/mobiletvelite/
Hope this could help you.
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Download Blackberry Movies – Download movies for blackberry, How To download Movies For Blackberry
http://blackberry-movies-review.blogspot.com/
Want To download blackberry movies? Download movies for for blackberry, palm, windows mobile, lg phone. Pimp your blackberry with movies for blackberry 8830, pearl, curve, bold and storm.This Movies for Blackberry is already converted to go straight to your blackberry. If you want to watch movies on your blackberry, make sure to purchase to download movies for your blackberry in a converted format. You do not want to convert movies for your blackberry before you watch right? You want to save time and money from converting. Try to demand a weekly updated movie for your blackberry, this site has a free blackberry movies updates weekly. Blackberry movies should be great for trips and downtime, should be simple, quick and easy.
Reviews about blackberry movies and also reviews about the positivity of downloading movies to blackberry and pda phones.So..what’s Blackberry Movies all about?
Blackberry Movies is an informational product from Richard Hull that was released in March 2006. The principal product on sale (Movies for Blackberry) costs $29.99, although there are 2 alternative products on sale at different prices.That’s all good to know, but does Blackberry Movies make good on its claims. The majority of customers were happy with their purchase of download movies for blackberry.
searching for? blackberry movies, best blackberry videos, free blackberry movies, videos on my blackberry, blackberry movies download. you’ve come to the right place.
Duration : 0:1:30
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BlackBerry Bold 9000 Unlocked PDA GSM Cell Phone Ad Commercial
Buy Blackberry Bold Unlocked Phone at http://www.bigtimewireless.com/BB9000-p/bb9000.htm
Product Overview
With email, phone, IM and the Internet, it can connect you1. With an integrated organizer, it can help you stay on top of your day. With camera and video recording, you can capture and share the moment with just a few clicks.
Do more – do it faster. The BlackBerry Bold smartphone was designed to take advantage of the speeds available on the HSDPA network. Together, this high speed network and the 624-MHz processor help support your need to multitask and prioritize with access to your voice and data services at the same time.
The fun goes with you. Enjoy premier image and video viewing, build playlists of your favorite songs and organize your media files. You can even use BlackBerry® Media Sync to transfer desktop iTunes® music files to your smartphone. The BlackBerry Bold smartphone delivers a wealth of entertainment.
Know where you stand. With built-in GPS capabilities, and BlackBerry® Maps, you get turn-by-turn directions, so you can pinpoint where you are right now and where you need to be.
Simple and straightforward. Lower your cellular costs and get service in areas where cellular network coverage may be limited or unavailable, with BlackBerry data services over Wi-Fi® networks.
With WordToGo and SlideshowToGo, you can work on Microsoft® Word and Microsoft® PowerPoint® slides while youre on the go.Copy and paste, adjust font formatting and more. The stunning LCD display makes working on the go an invaluable option.
The built-in mobile streaming capabilities on the BlackBerry Bold smartphone are designed so that you can watch online videos or listen to streamed music broadcasts. Access information and fun without using up the memory on your BlackBerry smartphone
Color and clarity come to life. The screen of the BlackBerry Bold smartphone catches the eye and is designed to deliver color and clarity that exceed expectations. From the moment you turn it on, youll be blown away by explicit color and quality.
With the BlackBerry Bold smartphones long-lasting, removable battery, youve got the power to get things done, whether youre traveling, working away from the office or just on the go.
Duration : 0:1:13
Categories: PDA Reviews Tags: 9000, access, ad, advantage, Ali, and, ap, area, as, at, att, av, battery, berry, black, blackberry, Bo, Bold, broadcast, buy, camera, Can, cell, cell phone, Cell+phone, Cellular, ces, Comm, commercial, connect, cost, coverage, Da, Data, day, de, design, Desk, direct, DV, email, en, Favorite, fi, fon, for, free, FROM, fun, gadget, get, got, GPS, GS, gsm, help, high, high speed, how, howto, hsdpa, if, image, in, INFO, information, integrated, internet, ip, is, ISP, IT, K, la, las, life, live, long, low, M, make, may, me, media, mobile, multi, Music, nav, NEC, need, net, Network, networks, no, of, office, OI, on, One, online, os, over, overview, pda, pearl, phone, phones, PIN, play, PLI, poi, point, port, powerpoint, pre, pro, product, quality, qwerty, Rate, rig, RIM, Rio, road, rod, ROM, sc, screen, SD, service, Services, share, show, sim, simple, Smartphone, smartphones, SPEED, SS, stay, storm, streaming, support, SYNC, take, technology, ted, that, the, the office, This, time, to, Top, travel, Turn, two, UC, uk, UL, UN, Unlocked, up, Use, Using, video, videos, voice, war, Watch, wi, wi-fi, wire, Wireless, With, word, work, World, xp, you, your, youtube
Indonesia Bans New BlackBerry Imports
Indonesia’s telecommunication authorities are temporarily banning the import of new BlackBerry phone devices this week. The main issue at hand is the delayed opening of a phone service center in the island nation.
Indonesia’s telecommunication authorities are temporarily stopping the import of new BlackBerry models from July 16 until the manufacturing company, Research In Motion (RIM), sets up a local after-sales service center for the thousands of Indonesians who use the mobile phone device.
Indonesias Department of Communication and Information Technology says the Canadian device maker has not met a July 1 deadline to set up its wholly-owned center, which would be similar to another center in neighboring Singapore.
[Gatt Dewa Broto, Dept. of Comm. & Information Technology]:
First, we are still allowing the import of existing models that we have certified. Second, we have asked the company to provide after-sales services similar to the Singapore center so that we don’t need to send to Singapore if a unit is faulty. Third, we are banning imports, we are not certifying new products until they open a local center.
Indonesia has limited Internet presence and the BlackBerry wireless device is popular as it allows users to access the Internet, conduct online chats, write e-mails and other cyberspace activities.
The number of BlackBerry users has grown from 100,000 at the start of 2009 to about 400,000 by the end of June.
The government warned RIM to set up the after-sales center by July 16, but when RIM met with them on Tuesday (July 14), they said they need more time.
[Gatt Dewa Broto, Dept. of Comm. & Information Technology]:
“The company [RIM] promised us they will open their local office on August 21.”
Several Indonesian telecommunication companies provide the BlackBerry wireless service, including after-sales service for the devices. Among them is the dominant telecoms company Indosat, which has been aggressive in marketing the wireless service.
[Guntur Siboro, Chief of Marketing, Indosat]:
“As to the cooperation between RIM and Indosat, we are the provider of the BlackBerry service and we are now handling the after-sales service. The problem is that the government insists RIM must have an after-sales service in Indonesia. So it’s a problem between RIM and the government.”
The government’s move is supported by BlackBerry users.
[Adam, BlackBerry User]:
“I hope they will make it easier for us to get the device repaired if there is a fault. We will be happy to have an after-sales service here in Indonesia.”
Despite some 35 percent of the population of 230 million living below the poverty line, the world’s fourth most populous nation is a huge market for telecommunication devices, with many people changing their cellular phones annually.
Many shops sell the BlackBerry devices and accessories along with popular phone models by Nokia and Samsung.
Duration : 0:3:2
Categories: Wireless Services Tags: 200, 2009, 30, About, access, accessories, act, ad, all, and, Annual, ap, app, as, at, att, av, Ban, bel, berry, black, blackberry, Bo, but, Can, canadian, cell, Cellular, center, ces, chat, Comm, communic, communication, company, cyber, Da, day, de, dead, delay, device, devices, don't, en, fi, First, for, FROM, get, government, hang, have, if, Import, in, Indonesia, INFO, information, internet, is, IT, its, July, K, la, lan, land, local, long, low, M, make, Mark, market, marketing, me, mobile, mobile phone, mod, model, MOT, Muni, nat, need, net, new, nic, no, nokia, not, NTD, of, office, on, One, online, open, opening, opera, os, over, people, phone, phones, PIN, ping, port, pre, pro, product, products, Provide, provider, repair, research, RIM, rod, ROM, rts, sales, Samsung, San, SD, search, second, SEN, service, Services, sim, singapore, sla, space, SS, Start, support, Tech, technology, ted, telecom, Telecommunication, Telecoms, that, the, their, they, This, time, to, Top, UC, UL, UM, UN, up, uri, usa, Use, user, users, war, Week, who, wi, will, wire, Wireless, wireless service, With, World, write, you, youtube
Use your Blackberry as wireless modem with Sprint Smartview
Sprint SmartView for Windows®
Download this software to create a high-speed Internet connection for your computer anywhere on the Sprint Mobile Broadband Network.
Sprint SmartView features:
One-click activation for supported devices
GPS features and services are available at the touch of a button for GPS-capable devices
Easy connections to Sprint WiFi networks around the globe, available on a pay-as-you-go basis
Access to Sprint support services and tools via the Application section
Enterprise custom configuration available—business customers, please contact your Sprint Account Manager for details
Duration : 0:2:53
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M-payment: a Threat to Anti-money Laundering
By H. Paul Leyva, J.D., C.AM.C.
October 1, 2008
International Narcotics Control Strategy Report (INCSR), March, 2008:
” … there are already indications that money launderers and those that finance terrorism will avail themselves of the new m-payment systems.”
NEW YORK, NY—Brittany has never filed an income tax return to report her $200,000.00+ income as a high-class call girl. To continue to hide her illegal profits from the IRS and law enforcement, Brittany added an m-payment function to her mobile phones and PDA. With the m-payment feature in place, she now lives virtually cash-free. For example, Brittany asks her clients for the “e,” (street slang for electronic mobile payment, or e-pay). “E” is a text message-like transfer of funds from a client’s mobile phone m-account to the m-account contained in Brittany’s phone. After hours, Brittany’s Blackberry now functions as a debit card for all of her spending needs: shopping at Nordstrom’s to buy that designer purse, sending a car payment for her new Mercedes-Benz via text message, and clubbing all night with her friends. Today, Brittany earned $800 for her services. Before m-payment technology, she had no other choice but to make suspicious daily cash deposits into her bank accounts. With the advent of m-payment, she no longer worries about anyone tracing her bank activity. As a safety precaution, Brittany destroys the SIM memory cards from her phones and PDA devices at the end of each week and replaces them with new ones. As a result, if she ever gets arrested for her activities, no digital evidence of her occupation, income, or lifestyle remains.
LOGAN SQUARE, CHICAGO, IL—Alex, an accountant by day and drug user by night, uses his PC to transfer $400 from his personal checking account to his mobile phone’s m-payment account. Alex is in need of Ecstasy from his dealer. Per their standing arrangement, buyer and supplier meet at the local café on the corner of California Avenue and Logan Square Boulevard. As usual, the dealer has cleverly hidden the Ecstasy in an empty cup of coffee, and Alex transfers the “e” via text message to the supplier’s mobile phone. When the transaction is complete, Alex slips away to plan his evening.
As the dealer enjoys his latte, he uses his mobile phone to text the funds to a bank in the Cayman Islands, where the deposit will easily get lost in the multitude of other small value transfers. Once the transaction is complete, the supplier gasps a sigh of relief because he knows he is safe. If a rival gang member tries to steal the cash, he will find no trace of the money. Similarly, if the police tried to apprehend him, by pressing the “Delete Transaction History” function on his cell phone—evidence-erasing software that he downloaded from the net—all incriminating evidence is gone. With no evidence of his crime, the authorities would be forced to let the dealer go.
NAIROBI, KENYA—International Press: August 7th. On the anniversary of the suicide bomb that killed more than two hundred people at the U.S. Embassy in Nairobi, yet another suicide bomber kills fifty-eight people near the rebuilt U.S. Embassy in Kenya. At this point, the authorities are unable to determine the identity of the terrorist or group responsible for this attack, but many believe it to be the work of Al Qaeda. The FBI officer-in-charge and top Kenyan Security officials admit that they found the remains of a pre-paid m-payment mobile phone within the wreckage; however, since these devices are unregistered, the phone could have been purchased anywhere and by anyone. In Kenya as well as in many other parts of Africa, the use of mobile phones and m-payment technology as miniature banking devices is commonplace. Critics have reiterated that m-payment technology makes it easier for terrorists to send and receive transfers of funds via text message transmission.
These scenarios exemplify the warnings issued in the March 2008 International Narcotics Control Strategy Report (INCSR) entitled “Mobile Payments: A Growing Threat,” which describes the potential exploitation of m-payment technology by money launderers, criminals, and terrorists.
What is m-payment? How does it work? Does it already exist in other countries? How can money launderers, criminals, and terrorists exploit this technology to hide their illicit activities? Most importantly, what steps can the United States and other countries take to curtail the potential abuses of m-payment?
“Some of the most innovative are electronic payment products which include mobile payments or m-payments … Driven by a remarkable convergence of the financial and telecommunications sectors, the rapid global growth of m-payments demands particular attention. M-payments can take many forms but are commonly point of sale payments made through a mobile device such as a cellular phone, a smart phone, or a personal digital assistant (PDA).”
-INCSR, March, 2008
The Virtual Wallet
M-payment (mobile payment) is synonymous with the terms m-commerce, m-accounts, m-wallet, m-banking, e-money, or digital cash. For the sake of this article, the more widely accepted term “m-payment” will be used. The best way to envision this relatively exciting technology is to imagine a time in which your mobile phone or PDA will act like a wallet. Furthermore, it will be a wallet that not only allows you to withdraw money from it to pay for goods and services, but also enables you to deposit money into it—thus making this monetary device even more flexible and useful than a credit card. The widespread adoption of m-payment could eliminate the need to carry cash, visit an ATM machine, send wire transfers, or even use a credit card.
Currently there are two platforms that facilitate the use of m-payment. The first enables your mobile phone to link to m-accounts, such as your bank account, credit card, internet payment service, or other financial institution. The second makes it possible for mobile phone companies to act as banks and allows customers to deposit and withdraw funds using their mobile accounts. Although this service is not yet available in the United States, m-payment has already enjoyed acceptance and success in countries such as Japan, Korea, and the Philippines. M-payment technology is also beginning to thrive in South Africa, the Democratic Republic of the Congo, and Kenya.
At present no special hardware is required to utilize m-payment. A subscriber can surf the Web for an internet-based m-payment service and then download the necessary software onto almost any existing mobile phone. M-payment software uses existing text-messaging technology to send and receive funds, confirm payments and credits, and check balances.
The Virtual ATM
Imagine going to a McDonalds (or nearly any retailer) to buy lunch and then asking the cashier for an extra $50 (or more) in cash. For a small fee, the McDonalds cashier will not only charge a customer’s m-account for the hamburger, soda, and fries, but will also ring up the $50 in cash that he or she requested. Similar to debit cards, there is no need to locate an ATM Machine or pay high banking fees.
Person to Person (PTP) Transfers
Person to person (PTP) transfers are also possible. For example, friends, family, and private parties involved in business transactions can transfer funds to each other via their mobile phones. A mother can send her teenage daughter’s allowance via text message. Employers can text message wages to their employees’ mobile phones. After winning an auction on EBay, a buyer can text the payment to the seller. Or, an individual wanders into a garage sale only to find that beautiful antique he has been seeking, but he has no cash. Moreover, the seller does not accept credit cards. The solution is simple: the buyer text messages the payment directly to the seller’s mobile phone. The possibilities are endless.
Wire Transfers via Mobile Phone
The World Bank estimates that global remittances (i.e. international wire transfers) exceed one quarter of a trillion dollars annually. Increasingly, in many areas, m-payments provide a new option to expatriates and “guest workers” that wish to send part of their wages home to support their families.
In the United States, many migrant workers from Mexico and Central and South America use wire transfer services such as Western Union and Money Gram to send money to their relatives abroad. In 2005 alone, funds transferred to Mexico from the United States totaled more than $20 billion. Unfortunately these wire services come with high fees, and some of the recipient banks also charge fees for the transaction as well. Furthermore, in rural areas abroad many people do not have access to banks. With m-payment technology, a migrant worker can literally text message the payment to his relative’s mobile phone, thus circumventing the exorbitant fees charged by wire transfer services and receiving banks.
Virtual Traveler’s Check
Another amazing feature of m-payment technology is that it allows a mobile phone to act as a virtual traveler’s check. Before leaving on a family vacation, a subscriber can deposit money into his mobile phone’s m-payment account then withdraw the funds as needed during the trip. Consumers will no longer need to purchase travelers checks or travel with significant amounts of cash.
Contract-Less, or Touch and Go, Mobile Phones
Beyond their use for text messaging to send and receive funds, mobile phones can also be placed in “contract-less” mode. To activate this feature, a special chip can be attached to or inserted into the phone. It is likely that future cell phones will come with this feature already built into it. When a consumer wishes to make a purchase, he or she can simply “swipe” a mobile phone over a cashier’s scanning device and complete the transaction. With the “swipe” or “touch and go” feature, no signature or additional data entry is necessary at the cash register.
Pre-Paid Mobile Phones and M-Payment
Low-income consumers or those with poor credit who would not be eligible for monthly phone contracts or credit cards can use pre-paid mobile phones to conduct m-payments. These individuals can load pre-paid cards holding various monetary denominations ($50, $100, $250, or more) onto a mobile phone to enable the device to be used as a virtual wallet. As in previous examples, friends and family can also transfer funds to the pre-paid phone via text message as well.
Potential Displacement of ATMs, Wire Transfer Companies, and Credit Cards?
As with m-payment accounts holders in other parts of the world, Americans will undoubtedly also embrace the convenience and cost savings of this virtual wallet. With the continued proliferation of m-payment technology, it may be argued that m-payment services could actually result in the death of ATM machines, wire transfer companies, and high interest rate credit card fees. This prediction is well-founded when one considers that the United States contains approximately 250 million mobile phone subscribers—a number equal to 82 percent of the population—and over three billion mobile phones are currently in use worldwide. In addition to these facts, The Wireless Association reported in its 2007 Wireless Industry Survey that consumers send almost one billion text messages each day worldwide.
Even more compelling is the convenience offered by this service. Given this technology, customers no longer have to locate an ATM machine in order to withdraw money. Using a PC, they can transfer funds from their bank accounts directly to their mobile phone accounts. When a migrant worker needs to send money to his family abroad, he or she can merely speed-dial the funds directly from his mobile phone to a relative’s phone. An individual will no longer need to drive to the local Western Union outlet to complete the transaction. In contrast to high interest credit cards, m-payment service providers will offer competitive rates, discounts, or other incentives to attract new customers. Finally, another cause for concern on the part of banks and wire transfer companies is the fact that mobile phones have already contributed to the demise of pay phones, cameras, and retail music stores.
PayPal Facilitates a Fundamental Shift in M-Payment
In a report published by Juniper Research, a respected consultancy group that provides analytical services to the global hi-tech communications sector, Senior Analyst Alan Goode concluded that the entry of PayPal into the micro m-payment and m-retail sector, “will only serve to facilitate a fundamental shift in global consumer payment services now and into the future.” Moreover, Goode predicts that “mobile payments are set to rise to $10 billion in total revenue by 2010.”
Other players that have already entered the m-payment market include Google’s G-Pay, Firehorn Holdings, LLC, mFoundry Inc, and Obopay, Inc. The largest provider is PayPal with more than 100 million Internet accounts worldwide.
“There are numerous money laundering and terrorism financing implications [of m-payments], but digital value smurfing represents a very clear threat.”
-INCSR, March, 2008
Smurfing
The dark side of m-payment, if the service remains unregulated, will enable money launderers, criminals, and terrorists to exploit this new technology. In specific, this new technology will undoubtedly facilitate smurfing.
It is generally known that astute money launderers, criminals, and terrorists have always been willing to keep their financial transactions under $1,000 per day to avoid financial reporting requirements. One way to hide money is by using multiple “smurfs” or “runners” to make deposits, purchase money orders, traveler’s checks, or other transactions involving illicit or “dirty” money. Smurfing can be accomplished by spreading small denomination drug payments, or contributions to terrorist causes, across various remittance centers or multiple bank accounts. In essence, smurfing breaks down illegal proceeds into small amounts that can be moved with less risk of attracting the authorities’ attention.
For instance, a drug dealer or terrorist can order ten different soldiers, or “smurfs,” to open ten different bank accounts, or conduct ten different financial transactions per day. After the accounts are open, the drug dealer or terrorist orders his smurfs to deposit amounts less than $999 per day—for example, $756 one day, $922 another day, and so on. By ensuring that the bank deposits, or other financial transactions, fall below the $1,000 threshold, they can avoid suspicion and prevent the triggering of financial reporting requirements. In this example, ten different smurfs with ten different bank accounts who deposit an average of $850 per day can launder $2.21 million annually.
Although more sophisticated detection systems, increased government oversight, and heavier penalties have slowed down the practice of “smurfing” in recent years, this system remains a fundamental method for moving cash and cash equivalents.
Digital Value Smurfing (DVS)
M-payment with digital value removes the fundamental element of money laundering: cash. In the future, money launderers, drug dealers, and other criminals will no longer demand cash for their products or services; instead, they will demand digital payment sent via text message. With digital value, multiple smurfs will no longer be needed to make suspicious cash deposits. Criminals will be able to bypass regulated banks and their financial reporting requirements and exchange dirty money for digital value in the form of stored value cards or mobile payment credits. Moreover, with digital value instead of cash, they can instantly send—with a touch of a cell phone keypad—their digital value across the country, around the world, or to secret offshore bank accounts.
A single Digital Value Smurf (DVS) could open multiple m-payment accounts with multiple service providers, such as m-payment bank accounts, Internet payment accounts, and pre-paid mobile phones. Other avenues could include renting cell phones from others, or utilizing false identities to open additional accounts. The number of m-payment accounts that a single DVS could establish is unlimited. Thus, using the same example as above, a single DVS with merely ten different m-payment accounts could arguably launder the same amount of money that it would take ten different smurfs to accomplish.
Other Implications: Facilitation of Tax Evasion by Small Businesses
M-payment technology can facilitate tax evasion. Three billion people around the world own mobile phones, but only one billion possess bank accounts, according to the GSM Association. BearingPoint, a major management and technology consulting company, estimated the unbanked marketplace in the United States alone at $510 billion in 2006.
The fundamental rule in small business accounting is that all financial transactions are conducted through a business checking account provided by banks. For instance, when a sole proprietor, a partnership, or a corporation conducts business, it does so by using a business checking account. As required by law, banks employ the Know Your Customer (KYC) protocols by requesting identification from new customers along with evidence of the business entity (assumed names registration, business license, or articles of incorporation).
With an m-payment account, however, a small business owner can conduct business virtually under the radar. Instead of business deposits, the company can receive e-payments. Furthermore, instead of disbursing expenses through its business checking account, the company can make payments via m-payment. With no paper trail, the unbanked small business owner could easily evade income tax filing requirements, thus depriving the U.S. Treasury of billions of dollars in tax revenue.
“Much work and creative thinking will be required to maintain the advantages NPMs [new payment methods], including m-payments offer, while at the same time preventing exploitation and misuse by money launderers and terrorist financiers and simultaneously protecting user privacy and the integrity of the global financial systems.”
-INCSR, March, 2008
M-payment is revolutionary—mainly due to its convenience. This technology will literally change the way consumers pay for goods and services, the way they are compensated, the way they save money, the way they spend it, and the way they send money to family and friends abroad. This service will create new industries and new opportunities. M-payment is also radical because it may represent the final piece of the financial puzzle that moves our world into a cashless society.
With the convenience that m-payment offers, however, comes the potential for criminal misuse. M-payment technology, if unchecked, can be exploited by money launderers and terrorists. Presently, the United States is ill prepared to handle the dark side of m-payment. As the INCSR acknowledged, “The United States has few safeguards against abuse of m-payments.” Moreover, the report also warns that the only applicable federal reporting requirement to providers of stored value cards is the Currency Transaction Report (CTR) rule. A CTR must be filed for all cash transactions greater than $10,000 per day. However, the CTR can be filed up to fifteen days after the transaction has occurred, giving terrorists and criminals enough time to disappear. Although almost all U.S. m-payment service providers are registered as Money Services Businesses (MSB) with the Financial Crimes Enforcement Network (FinCEN), the regulations do not have specific provisions pertaining to them.
New legislation is needed to regulate m-payment service providers. Legislation can include requirements that service providers monitor accounts, enhance suspicious activity reporting, require maximum transaction limits (e.g, $1,000.00 per day), require the registration of pre-pay cell phones with m-payment, and development of new, m-payment specific software to detect suspicious activity.
With m-payment projected to grow to 52 percent by the year 2011, there is ample time to put the necessary safeguards and regulations in place to combat the threat to anti-money laundering.
H. Paul Leyva, J.D., is Certified Anti-Money Laundering Consultant (CAMC) and a student at Thomas Jefferson School of Law, Walter H. & Dorothy B. Diamond, Masters of Law (LL.M) International Tax Program. Per the request of the distributor, this article was published without footnotes or references. The original version of this report with all footnotes and references is available upon request.
H. Paul Leyva
Categories: Mobile Communications Tags: 2.2, 200, 2008, 800, About, access, account, act, ad, add, advantage, Africa, Ali, all, also, amazing, america, american, and, anniversary, Annual, anywhere, ap, app, area, arts, as, association, at, att, attached, av, AVING, balance, Ban, banking, banks, based, bel, Ben, berry, Best, bill, black, blackberry, Bo, business, but, buy, cable, california, call, camera, Can, car, Card, cards, cash, cell, cell phone, Cell Phones, Cellular, center, ces, Change, check, class, clear, clients, coffee, comes, Comm, communic, communication, communications, company, consult, Consulting, consumer, consumers, contract, Control, convergence, cost, countries, create, creative, Credit, cross, csr, custom, customer, customers, Da, Data, day, de, Dealers, death, deb, demo, design, detection, Development, device, devices, diamond, die, digital, direct, dirty, donald, download, DV, Ebay, edge, electronic, Eller, embassy, en, enable, env, Event, EVO, exam, family, Federal, fi, finance, financial, find, First, foot, for, free, friends, FROM, fun, Future, gen, get, girl, glob, global, good, google, government, Group, growing, Growth, GS, gsm, ham, hang, Hardware, have, hd, Hidden, hide, high, history, hold, holdings, home, hours, how, HR, ICT, if, illing, Import, in, income, Increase, industry, innovative, Instant, integrity, international, internet, into, ip, is, ISP, IT, ITIC, its, JAPAN, K, Kenya, keypad, kill, Korea, la, lan, land, las, Law, layer, LED, lie, life, lifestyle, like, link, live, Lives, Liz, local, logan, long, los, low, lte, M, mac, make, management, Mark, market, master, mate, may, MBA, me, mercedes, Message, messages, Messaging, Mexico, mini, mobile, mobile phone, mobile phones, mod, money, monthly, MOT, MSE, multi, multiple, Muni, Music, nat, nations, Near, NEC, need, net, Network, new, New York, nic, no, not, of, office, OI, on, One, only, open, opportunities, Oration, os, over, paid, Partnership, pass, Paul, payments, paypal, pc, pda, people, pet, phone, phones, PIN, ping, plan, platform, play, player, PLI, poi, point, port, practice, pre, Press, private, pro, product, products, Profit, program, protocol, Provide, provider, providers, public, Quest, radar, Rate, read, regulation, remittances, Replace, report, research, respect, retail, retailer, rig, RIM, Rio, risk, road, rod, ROM, Ron, rts, Safety, save money, sc, School, search, second, Security, SEN, service, service providers, Services, shopping, sim, simple, skin, sla, small, Small business, smart phone, society, software, solution, south africa, special, SPEED, square, SS, States, store, strategy, student, style, Success, Sultan, support, surf, system, systems, take, Tale, tax, Tech, technology, ted, telecom, Telecommunication, telecommunications, text, that, the, their, then, they, think, This, Through, time, to, Top, total, touch, travel, TRI, Turn, two, u.s., UC, UL, UM, UN, union, United, United States, unli, Unlimited, up, uri, Use, user, uses, Using, Value, Verge, virtual, vs, WAN, war, web, Week, Western, what, who, wi, wide, will, wire, Wireless, wireless association, wireless industry, With, work, World, worldwide, xchange, xo, xp, york, you, your
Traffic Mapping For Your Mobile Phone
In late July, Google announced that it will be offering live traffic information to mobile phones in more than thirty U.S. cities. Plans to provide the traffic feature to PCs are still in the works. The Google traffic feature will be released as an update to the free Google Maps for Mobile service, which has been available for 18 months for download on the Google web site. Google would not disclose how many subscribers it has, but it says the number is growing rapidly.
The feature expands Google’s mapping technology into an area where Microsoft Corp. and Yahoo already have a presence, but in different ways. Yahoo and Microsoft offer real-time traffic information on their Web-based mapping services for PCs. Microsoft has chosen to move into the mobile “space” by licensing traffic-monitoring technology for mobile devices to a Kirkland-based startup, InRix Inc. Yahoo currently has no mobile traffic service. MapQuest, an AOL property, offers traffic reports over cell phones for $2.99 per month.
With typical bombast, Microsoft announced that when operable, the InRix mobile service will actually predict upcoming traffic problems – however currently the MSN mobile mapping technology provides no traffic information at all.
In the cities where it works, the Google feature will show traffic conditions on most major highways – indicating green for clear roadways, yellow for medium congestion and red for high congestion or stopped traffic. Google Maps will work on most Java-enabled phones offered by Cingular and Sprint and all color BlackBerry devices. The service does not currently work on phones from other major carriers such as Verizon or T-Mobile USA. Google Maps sends the data – obtained from an undisclosed source – every five minutes.
Although Google’s free service doesn’t identify traffic hazards or accidents, it will let drivers know if there is a clogged road. Google also shows the expected drive time for a route when phone users search for driving directions. It has introduced a feature that lets users save their favorite locations and frequently used driving directions for future use.
The three search engines are not alone, however. In February, Rand McNally Traffic began offering a downloadable mobile application that delivers news of real-time traffic flow, accidents, weather conditions and road closures to 94 cities. Rand McNally Traffic is available on Sprint, Nextel, AT&T Wireless and other services for $3.99 a month.
Media giant Clear Channel Communications’ Total Traffic Network feeds content in 125 markets in the country to 15 services. One of them provides the information to subscribers with Sprint mobile phones for a $9.99 monthly subscription. That service is relatively new. In addition to weather conditions and traffic information, the service also provides data on gas station prices.
Cell phones are rapidly turning into GPS devices, with localized information as an added feature. It remains to be seen how many people will turn to their cell phone screens for traffic news, one eye on the road and another on the phone. In some states and several local jurisdictions, it is already illegal to use a handheld cell phone while driving. Some of these jurisdictions allow hands free use, but that won’t help with a visual feature. It will be interesting to see if this new functionality is limited by governmental concern over safe driving habits.
Madison Lockwood
http://www.articlesbase.com/advertising-articles/traffic-mapping-for-your-mobile-phone-73150.html
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More Information on the Move With Sage Saleslogix Mobile V4
What’s even better than Sage SalesLogix managing customer information in your office? Having the same data on the road, accessed with your Blackberry, PDA or Pocket PC, with Sage SalesLogix Mobile v4!
SalesLogix Mobile v4 is full-featured customer relationship management (CRM) software that integrates seamlessly with Sage SalesLogix. It lets you add, view and edit customer contacts on the fly, plus transmit and receive data from the company’s centralized database. You can be better informed when in front of a customer, access up-to-the-minute information from headquarters, and generally use your time out of the office to become more productive – all from a handheld device. Capabilities You’ve Been Waiting For
Here are just a few of the things you can do with SalesLogix Mobile:
· Take notes · Manage accounts · Schedule meetings · Update opportunities · Check ticket information · Complete activities · Input or review customer contacts · Do quick look-ups · Conduct more detailed filtered searches
Fast and Easy
The beauty of having SalesLogix Mobile is that it synchronizes with SalesLogix in the office. One click, and your data is transferred, either via wireless, dial-up or a network connection on a PC. Also, you can receive updates from headquarters automatically. That means that you’re working with real-time data, even when you’re out in the field.
With SalesLogix Mobile, you can schedule and track activities, thanks to a drag-and-drop calendar that’s really easy to use. If you need to access product and pricing data, it’s just a click away. You can even check up on a customer’s tickets and service history, resolving any issues that might arise quickly and on the spot.
Sturdy, Flexible Design
SalesLogix Mobile is built on a robust platform to be deployed on popular Pocket PC and/or Blackberry mobile devices. It can perform one-click dialing, and will recognize handwriting to boost your efficiency. Locate client and lead records instantly by searching using any field, like name, address, phone number, company, or any other category of contact information. If you want to change the look and feel of the interface, customization is simple with visual design tools. Also, the software provides you with access to data stored in customized fields within SalesLogix, such as tables, extensions, pick lists and more.
SalesLogix Mobile v4 is a priceless integration into your SalesLogix system. Many users find that it quickly pays for itself through increased sales and efficiencies. Best of all, it will allow you instant access to all of your customer and opportunity information –wherever you are — transforming any chance meeting into an opportunity to write new business.
Zach S. Hoffman
http://www.articlesbase.com/sales-articles/more-information-on-the-move-with-sage-saleslogix-mobile-v4-129327.html
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