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  • ODI 12c - Aggregating Data

    - by David Allan
    This posting will look at the aggregation component that was introduced in ODI 12c. For many ETL tool users this shouldn't be a big surprise, its a little different than ODI 11g but for good reason. You can use this component for composing data with relational like operations such as sum, average and so forth. Also, Oracle SQL supports special functions called Analytic SQL functions, you can use a specially configured aggregation component or the expression component for these now in ODI 12c. In database systems an aggregate transformation is a transformation where the values of multiple rows are grouped together as input on certain criteria to form a single value of more significant meaning - that's exactly the purpose of the aggregate component. In the image below you can see the aggregate component in action within a mapping, for how this and a few other examples are built look at the ODI 12c Aggregation Viewlet here - the viewlet illustrates a simple aggregation being built and then some Oracle analytic SQL such as AVG(EMP.SAL) OVER (PARTITION BY EMP.DEPTNO) built using both the aggregate component and the expression component. In 11g you used to just write the aggregate expression directly on the target, this made life easy for some cases, but it wan't a very obvious gesture plus had other drawbacks with ordering of transformations (agg before join/lookup. after set and so forth) and supporting analytic SQL for example - there are a lot of postings from creative folks working around this in 11g - anything from customizing KMs, to bypassing aggregation analysis in the ODI code generator. The aggregate component has a few interesting aspects. 1. Firstly and foremost it defines the attributes projected from it - ODI automatically will perform the grouping all you do is define the aggregation expressions for those columns aggregated. In 12c you can control this automatic grouping behavior so that you get the code you desire, so you can indicate that an attribute should not be included in the group by, that's what I did in the analytic SQL example using the aggregate component. 2. The component has a few other properties of interest; it has a HAVING clause and a manual group by clause. The HAVING clause includes a predicate used to filter rows resulting from the GROUP BY clause. Because it acts on the results of the GROUP BY clause, aggregation functions can be used in the HAVING clause predicate, in 11g the filter was overloaded and used for both having clause and filter clause, this is no longer the case. If a filter is after an aggregate, it is after the aggregate (not sometimes after, sometimes having).  3. The manual group by clause let's you use special database grouping grammar if you need to. For example Oracle has a wealth of highly specialized grouping capabilities for data warehousing such as the CUBE function. If you want to use specialized functions like that you can manually define the code here. The example below shows the use of a manual group from an example in the Oracle database data warehousing guide where the SUM aggregate function is used along with the CUBE function in the group by clause. The SQL I am trying to generate looks like the following from the data warehousing guide; SELECT channel_desc, calendar_month_desc, countries.country_iso_code,       TO_CHAR(SUM(amount_sold), '9,999,999,999') SALES$ FROM sales, customers, times, channels, countries WHERE sales.time_id=times.time_id AND sales.cust_id=customers.cust_id AND   sales.channel_id= channels.channel_id  AND customers.country_id = countries.country_id  AND channels.channel_desc IN   ('Direct Sales', 'Internet') AND times.calendar_month_desc IN   ('2000-09', '2000-10') AND countries.country_iso_code IN ('GB', 'US') GROUP BY CUBE(channel_desc, calendar_month_desc, countries.country_iso_code); I can capture the source datastores, the filters and joins using ODI's dataset (or as a traditional flow) which enables us to incrementally design the mapping and the aggregate component for the sum and group by as follows; In the above mapping you can see the joins and filters declared in ODI's dataset, allowing you to capture the relationships of the datastores required in an entity-relationship style just like ODI 11g. The mix of ODI's declarative design and the common flow design provides for a familiar design experience. The example below illustrates flow design (basic arbitrary ordering) - a table load where only the employees who have maximum commission are loaded into a target. The maximum commission is retrieved from the bonus datastore and there is a look using employees as the driving table and only those with maximum commission projected. Hopefully this has given you a taster for some of the new capabilities provided by the aggregate component in ODI 12c. In summary, the actions should be much more consistent in behavior and more easily discoverable for users, the use of the components in a flow graph also supports arbitrary designs and the tool (rather than the interface designer) takes care of the realization using ODI's knowledge modules. Interested to know if a deep dive into each component is interesting for folks. Any thoughts? 

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  • Silverlight TV 23: MVP Q&A with WWW (Wildermuth, Wahlin and Ward)

    John interviews a panel of 3 well known Silverlight leaders including Shawn Wildermuth, Dan Wahlin, and Ward Bell at the Silverlight 4 launch event. The guest panel answers questions sent in from Twitter about the features in Silverlight 4, thoughts on MVVM, and the panel members' experiences developing Silverlight. This is a great chance to hear from some of the leading Silverlight minds. These guys are all experts at building business applications with Silverlight. Relevant links: John's Blog...Did you know that DotNetSlackers also publishes .net articles written by top known .net Authors? We already have over 80 articles in several categories including Silverlight. Take a look: here.

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  • Shotwell not available in 11.10

    - by John Speed
    I had used Shotwell happily previously then updated to Natty last week. Despite Shotwell showing on the tool bar on screen, when clicked, nothing happened, and it ignored my SD card when loaded. I read all sorts of remedies and tried everything to no avail. When I next turned on the laptop, Ocelot was available so with nothing to loose, I upgraded again. Still no Shotwell. Tried all the new fixes and now atleast I have the icon pictures but nothing behind it. When I ran the command to load the log file, Shotwell loaded and all my photos are present. Exited programme, and now nothing. Can anyone tell me where I have gone wrong please.

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  • Add "not" to if statement in shell script

    - by John Crawford
    I have the following script that should exist if the user does not exist. #check if user currently exists on system if id $User > /dev/null 2>&1 then #user exists no need to exit program echo "blah blah, what a waste of space" else echo "This user does NOT exists. Please create that user before using this script.\n" exit fi My problem is that I would ideally like to place a "not" if that first if statement so that I can trim down my if, else statement. Ideally I would like something like this: if !(id $User > /dev/null 2>&1) then echo "This user does NOT exists. Please create that user before using this script.\n" exit fi

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  • NRF Big Show 2011 -- Part 1

    - by David Dorf
    When Apple decided to open retail stores, they came to 360Commerce (now part of Oracle Retail) to help with the secret project. Similarly, when Disney Stores decided to reinvent itself, they also came to us for their POS system. In both cases visiting a store is an experience where sales take a backseat to entertainment, exploration, and engagement This quote from a recent Stores Magazine article says it all: "We compete based on an experience, emotion and immersion like Disney," says Neal Lassila, vice president of global information technology for Disney. "That's opposed to [competing] on price and hawking a doll for $19.99. There is no sales pressure technique." Instead, it's about delivering "a great time." While you're attending the NRF conference in New York next week, you'll definitely want to stop by the new 20,000 square-foot Disney store in Times Square. If you're not attending, you can always check out the videos to get a feel for the stores' vibe. This year we've invited Disney Stores to open a pop-up store within the Oracle Retail booth. There will be lots of items on sale that fit in your suitcase, and there's no better way to demonstrate our POS, including the mobile POS running on an iPod Touch. You should also plan to attend Tuesday morning's super-session The Magic of the Disney Store: An Immersive Retail Experience with Steve Finney. In the case of Apple and Disney, less POS is actually a good thing. In both cases it was important to make the checkout process fast and easy so as not to detract from the overall experience. There will be ample opportunities to see this play out in New York next week, so I hope you take advantage.

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  • More About PeopleSoft Feature Packs

    - by john.webb(at)oracle.com
    In my previous PeopleSoft Feature Pack post I introduced the new PeopleSoft Feature Pack delivery process. The response has been fantastic. It appears our customers agree that this new offering benefits them in many ways.   Since there has been so much interest in our Feature Pack strategy and since so many customers have been referencing our PeopleSoft FAQ in which we explain this new delivery mechanism, we've created the short presentation below to further explain Feature Packs.    

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  • Oracle Linked Servers on Windows Server 2008 R2

    - by John Paul Cook
    Oracle hasn’t yet released versions of its client software for Windows Server 2008 R2. If you need to create an Oracle linked server, that’s a problem. You’ll see this installation block when attempting to install the Oracle client software for Windows Server 2008: It’s very simple to fix. Check the first checkbox to make the installer ignore the version check. Click Next and ignore the warning you’ll see. The installation should complete successfully. Windows does offer various strategies for mitigating...(read more)

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  • Big Data Appliance

    - by David Dorf
    Today Oracle announced the next release of it's Big Data Appliance, an engineered system composed of hardware and software targeting the efficient processing of big data.  The solution leverages 288 Intel cores running Cloudera's distribution of Apache Hadoop in 1.1 TB of main memory.  This monster helps companies acquire, organize, and analyze large volumes of structured and un-structured data. Additionally a new versions of the Oracle Big Data Connectors and Oracle NoSQL Database were released. Why is this important to retailers?  As the infographic below conveys, mobile and social have added even more data to the already huge collections of POS transactions and e-commerce weblogs.  Retailers know that mining that data will help them make better decisions that lead to increased sales, better customer service, and ultimately a successful retail business. Monetate

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  • What is the diffference between "data hiding" and "encapsulation"?

    - by john smith optional
    I'm reading "Java concurrency in practice" and there is said: "Fortunately, the same object-oriented techniques that help you write well-organized, maintainable classes - such as encapsulation and data hiding -can also help you crate thread-safe classes." The problem #1 - I never heard about data hiding and don't know what it is. The problem #2 - I always thought that encapsulation is using private vs public, and is actually the data hiding. Can you please explain what data hiding is and how it differs from encapsulation?

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  • Java Not Recognized As Default Application

    - by John
    I just installed java according to this article, and 'java -version' displays java version "1.7.0_07" Java(TM) SE Runtime Environment (build 1.7.0_07-b10) Java HotSpot(TM) 64-Bit Server VM (build 23.3-b01, mixed mode) 'update-alternatives --config java' returns this: There are 2 choices for the alternative java (providing /usr/bin/java). Selection Path Priority Status ------------------------------------------------------------ 0 /usr/bin/gij-4.6 1046 auto mode 1 /usr/bin/gij-4.6 1046 manual mode * 2 /usr/local/java/jdk1.7.0_07/bin/java 1 manual mode Press enter to keep the current choice[*], or type selection number: with update-alternatives --config javac (or javaws) returning similarly. however java isn't listed in the default applications menu when I click on a .jar file and go to "open with application". I tried to install java this way, and on the update-alternatives part of the command returned me: /etc/alternatives/[java,javac,javaws] is dangling, it will be updated with best choice I just confirmed that I can use java, as 'java -jar file.jar' does work. Just figured that I'd mention it, don't know why I didn't before, but when I right click on a .jar file, java 7 run-time isn't even listed there, it seems that the file-manager isn't recognizing it as a program, but it is there, and it does work...

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  • Oracle MDM Maturity Model

    - by David Butler
    A few weeks ago, I discussed the results of a survey conducted by Oracle’s Insight team. The survey was based on the data management maturity model that the Oracle Insight team has developed over the years as they analyzed customer IT organizations to help them get more out of everything they already have. I thought you might like to learn more about the maturity model itself. It can help you figure out where you stand when it comes to getting your organizations data management act together. The model covers maturity levels around five key areas: Profiling data sources; Defining a data strategy; Defining a data consolidation plan; Data maintenance; and Data utilization. Profile data sources: Profiling data sources involves taking an inventory of all data sources from across your IT landscape. Then evaluate the quality of the data in each source system. This enables the scoping of what data to collect into an MDM hub and what rules are needed to insure data harmonization across systems. Define data strategy: A data strategy requires an understanding of the data usage. Given data usage, various data governance requirements need to be developed. This includes data controls and security rules as well as data structure and usage policies. Define data consolidation strategy: Consolidation requires defining your operational data model. How integration is to be accomplished. Cross referencing common data attributes from multiple systems is needed. Synchronization policies also need to be developed. Data maintenance: The desired standardization needs to be defined, including what constitutes a ‘match’ once the data has been standardized. Cleansing rules are a part of this methodology. Data quality monitoring requirements also need to be defined. Utilize the data: What data gets published, and who consumes the data must be determined. How to get the right data to the right place in the right format given its intended use must be understood. Validating the data and insuring security rules are in place and enforced are crucial aspects for full no-risk data utilization. For each of the above data management areas, a maturity level needs to be assessed. Where your organization wants to be should also be identified using the same maturity levels. This results in a sound gap analysis your organization can use to create action plans to achieve the ultimate goals. Marginal is the lowest level. It is characterized by manually maintaining trusted sources; lacking or inconsistent, silo’d structures with limited integration, and gaps in automation. Stable is the next leg up the MDM maturity staircase. It is characterized by tactical MDM implementations that are limited in scope and target a specific division.  It includes limited data stewardship capabilities as well. Best Practice is a serious MDM maturity level characterized by process automation improvements. The scope is enterprise wide. It is a business solution that provides a single version of the truth, with closed-loop data quality capabilities. It is typically driven by an enterprise architecture group with both business and IT representation.   Transformational is the highest MDM maturity level. At this level, MDM is quantitatively managed. It is integrated with Business Intelligence, SOA, and BPM. MDM is leveraged in business process orchestration. Take an inventory using this MDM Maturity Model and see where you are in your journey to full MDM maturity with all the business benefits that accrue to organizations who have mastered their data for the benefit of all operational applications, business processes, and analytical systems. To learn more, Trevor Naidoo and I have written the Oracle MDM Maturity Model whitepaper. It’s free, so go ahead and download it and use it as you see fit.

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  • Podcast: Dell Perot Systems Relies on Oracle In-Memory Database Cache

    - by john.brust
    Recently we spoke with Bill Binko, Technology Consultant at Dell Perot Systems, about a high volume web-based content delivery system they implemented for a client with Oracle In-Memory Database Cache. Their client needed to respond to ~1 billion hits (web requests) per day, but hadn't been able to support this load. Oracle In-Memory Database Cache allowed for multiple & complicated queries to take place without ever hitting the disk...providing sub-millisecond response time and ability to manage much higher high volumes of data. Old System: Old SQL Server Database, over 300 servers, difficult to maintain. New System: One Oracle Database 11g instance, multiple Oracle RAC nodes, backed up by Oracle Data Guard, and Oracle In-Memory Database Cache to cut query response times by 10x. Listen to the podcast.

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  • ubuntu get stuck on boot

    - by john
    it seems that i cant install any OS on my system, ubuntu, mint, fedora or mac os x except windows, it just stuck on ubuntu logo, or a little bit later and the same thing heppend to fedora and mint, and i tried to install this on my laptop and it worked, so the disc isnt the problem. and i tried to change to AHCI instead of IDE as suggested to me before but still no success. thank you very much for your help!! asus p6t deluxe i7 940 580 gtx 12G

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  • ODI 11g - Cleaning control characters and User Functions

    - by David Allan
    In ODI user functions have a poor name really, they should be user expressions - a way of wrapping common expressions that you may wish to reuse many times - across many different technologies is an added bonus. To illustrate look at the problem of how to remove control characters from text. Users ask these types of questions over all technologies - Microsoft SQL Server, Oracle, DB2 and for many years - how do I clean a string, how do I tokenize a string and so on. After some searching around you will find a few ways of doing this, in Oracle there is a convenient way of using the TRANSLATE and REPLACE functions. So you can convert some text using the following SQL; replace( translate('This is my string'||chr(9)||' which has a control character', chr(3)||chr(4)||chr(5)||chr(9), chr(3) ), chr(3), '' ) If you had many columns to perform this kind of transformation on, in the Oracle database the natural solution you'd go to would be to code this as a PLSQL function since you don't want the code splattered everywhere. Someone tells you that there is another control character that needs added equals a maintenance headache. Coding it as a PLSQL function will incur a context switch between SQL and PLSQL which could prove costly. In ODI user functions let you capture this expression text and reference it many times across your mappings. This will protect the expression from being copy-pasted by developers and make maintenance much simpler - change the expression definition in one place. Firstly define a name and a syntax for the user function, I am calling it UF_STRIP_BAD_CHARACTERS and it has one parameter an input string;  We then can define an implementation for each technology we will use it, I will define Oracle's using the inputString parameter and the TRANSLATE and REPLACE functions with whatever control characters I want to replace; I can then use this inside mapping expressions in ODI, below I am cleaning the ENAME column - a fabricated example but you get the gist.  Note when I use the user function the function name remains in the text of the mapping, the actual expression is not substituted until I generate the scenario. If you generate the scenario and export the scenario you can have a peak at the code that is processed in the runtime - below you can see a snippet of my export scenario;  That's all for now, hopefully a useful snippet of info.

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  • PeopleSoft RECONNECT Conference Opens Call for Papers

    - by David Hope-Ross
    For those who haven’t heard, Quest International user group is hosting a RECONNECT conference August 27-29 in Hartford, CT. Quest has opened its Call for Presentations and is encouraging submissions that cover PeopleSoft Supplier Relationship Management and Supply Chain Management. The deadline for submissions is ‘late April’. For more information and to submit your presentation, please click here. Login is required.

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  • Oracle Recruitment and Gild Wants You to Have an Apple iPad

    - by david.talamelli
    Oracle and Gild Present the Oracle Coding Series You are invited to participate. Winners will receive national recognition and an Apple iPad. Oracle is inviting elite technologists across India to compete in the Oracle Coding Series. Your credentials have qualified you to participate in the Series. The Oracle Coding Series is a set of five coding competitions that will run from the middle of May to the end of June. Each competition covers a different technology. Competitions are fun and challenging, and take about 15 minutes to complete. The winner of each competition will receive national recognition and win an Apple iPad. Oracle has partnered with Gild.com to host the competition series and select the champions. You may also browse through Oracle's current top job openings - available exclusively on Gild.com. You can apply right on Gild.com, receive immediate feedback and get fast tracked based on your credentials. Good luck. Jan Ackerman Vice President, Recruiting - JAPAC Enter and Compete Now....Best of Luck.

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  • Isis Finally Rolls Out

    - by David Dorf
    Google has rolled their wallet out for several chains; I see the NFC readers in Walgreen's when I'm sent their for milk.  But Isis has been relatively quiet until now.  As of last week they have finally launched in their two test cities: Austin, and Salt Lake City.  Below are the supported carriers and phones as of now, but more phones will be added later. Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} AT&T supports: HTC One™ X, LG Escape™, Samsung Galaxy Exhilarate™, Samsung Galaxy S® III, Samsung Galaxy Rugby Pro™ T-Mobile supports: Samsung Galaxy S® II, Samsung Galaxy S® III, Samsung Galaxy S® Relay 4G Verizon supports: Droid Incredible 4G LTE. Of course iPhone owners have no wallet since Apple didn't included an NFC chip. To start using Isis, you have to take your NFC-capable phone to your carrier's store to get the SIM replaced with a more sophisticated one that has a secure element configured for Isis.  The "secure element" is the cryptographic logic that secures mobile payments.  Carriers like the secure element in the SIM while non-carriers (like Google) prefer the secure element in the phone's electronics. (I'm not entirely sure if you could support both Isis and Google Wallet on the same phone.  Anybody know?) Then you can download the Isis app from Google Play and load your cards.  Most credit cards are supported, and there's a process to verify the credit cards are valid.  Then you can select from the list of participating retailers to "follow."  Selecting a retailer allows that retailer to give you offers via the app. The app is well done and easy to use.  You can select a default payment type and also switch between them easily.  When the phone is tapped on the reader, there are two exchanges of information.  The payment information is transferred, and then the Isis "SmartTap" information which includes optional loyalty number and digital coupons.  Of course the value of mobile wallets comes from the ease of handling all three data types (i.e. payment, loyalty, offers). There are several advertisements for Isis running now, and my favorite is below.

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  • Where is a good place to start to learn about custom caching in .Net

    - by John
    I'm looking to make some performance enhancements to our site, but I'm not sure exactly where to begin. We have some custom object caching, but I think that we can do better. Our Business We aggregate news stories on a news type of web site. We get approximately 500-1000 new stories per week. We have index pages that show various lists of the items and details pages that show the individual stories. Our Current Use case: Getting an Individual Story User makes a request The Data Access Layer(DAL) checks to see if the item is in cache and if item is fresh (15 minutes). If the item is not in cache or is not fresh, retrieve the item from SQL Server, save to cache and return to user. Problems with this approach The pull nature of caching means that users have to pay the waiting cost every time that the cache is refreshed. Once a story is published, it changes infrequently and I think that we should replace the pull model with something better. My initial thoughts My initial thought is that stories should ALL be stored locally in some type of dictionary. (Cache or is there another, better way?). If the story is not found, then make a trip to the database, update the local dictionary and send the item back. Since there may be occasional updates to stories, this should be an entirely process from the user. I watched a video by Brent Ozar, How StackOverflow Scales SQL Server, in which Brent states "the fastest database query is the one that you don't make". Where do I start? At this point, I don't know exactly what the solution is. Is it caching? Is there a better way of using local storage? Do I use a Dictionary, OrderedDictionary, List ? It seems daunting and I'm just looking for some good starting points to learn more about how to do this type of optimization.

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  • how to setup a webhosting site ?

    - by Thomas John
    Hi all, I have purchased a cPanel/WHM web hosting reseller account and I want to set up a site for people to set up a hosting accounts. I also would like to have a domain name registration system on the site, so people can register the domain name they would like to host with me. How can I do this? Are there any ready-made scripts available or should I create my own script using the WHM API? Thanks a lot.

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  • Turn off all sounds from websites

    - by David Oneill
    Often, I am listening to music of my choosing. Is there a way to preemptively turn off all sounds originating from websites? I don't want to click the 'mute' button once the page loads. And sometimes, it won't even have a mute. :-/ I use Chromium and FireFox. ~~EDIT~~ I use XFCE, so my menu options are different. Is this a gnome-specific utility? Or, what is the command for this utility?

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  • Remote Display Config.sh Using SSH

    - by john.graves(at)oracle.com
    How often I see people look to VNC, NXMachine, RDP, etc to get a windowing environment on a remote system.  These products are great and I use them too, but there is a fancy feature in SSH to help. ssh –X remoteserver This is a great feature for hooking into headless VirtualBox machines and remote displaying an install wizard. The remote server must have some lines put in the /etc/ssh/sshd_conf file: X11Forwarding yes X11DisplayOffset 10 The second line is optional, but the first is required.  Restart sshd (sudo /etc/init.d/ssh restart). Now I can ssh –X remote server Then run /opt/app/wls10.3.4/wlserver_10.3/common/bin/config.sh to build a new domain. Note: For some reason, the jdk that comes with WebLogic often fails to work on the remote display.  In that case, I modify the config.sh to just use /usr/bin/java (from openjdk-6-jre package).

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  • importing BaseGameUtils library

    - by David
    Hey :) I am trying to add the BaseGameUtils library to my workspace, I am using this guide: https://developers.google.com/games/services/android/init , I have downloaded from here :https://developers.google.com/games/services/downloads/ The BaseGameUtils sample but when I am trying to import it using Eclipse it gives me so many wrong things like Main,MainActivity and not the real BaseGameUtils, what is wrong here?

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  • authorize.net SIM PCI compliance

    - by David
    Does anyone know if authorize.net's SIM rids you of having to be PCI compliant? The payment form is hosted on authorize.net's site and they're processing the payment. I know you can do a relay response which basically puts some of the transaction details in a url that goes back to your website(to display a receipt). I'm not sure what all information gets put into the url though. I'm wondering if that makes you have to become PCI compliant?

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  • Mentioning a price for a service behind a free app in App Store

    - by David
    We are making a business service and have created an app to be used as a front-end. The app is free, but the service is not. Due to Apple taking 30% of in-app purchases, our service cannot be bought as an in-app purchase. My question is: Could Apple choose to throw out our app if we mention the price of the service in the description of our app in iTunes or in a help-text in the app? It seems unreasonable that this would cause problems, but the potential consequences to our business could be terrible so I want to make sure.

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  • Comparing Isis, Google, and Paypal

    - by David Dorf
    Back in 2010 I was sure NFC would make great strides, but here we are two years later and NFC doesn't seem to be sticking. The obvious reason being the chicken-and-egg problem.  Retailers don't want to install the terminals until the phones support NFC, and vice-versa. So consumers continue to sit on the sidelines waiting for either side to blink and make the necessary investment.  In the meantime, EMV is looking for a way to sneak into the US with the help of the card brands. There are currently three major solutions that are battling in the marketplace.  All three know that replacing mag-stripe alone is not sufficient to move consumers.  Long-term it's the offers and loyalty programs combined with tendering that make NFC attractive. NFC solutions cross lots of barriers, so a strong partner system is required.  The solutions need to include the carriers, card brands, banks, handset manufacturers, POS terminals, and most of all lots of merchants.  Lots of coordination is necessary to make the solution seamless to the consumer. Google Wallet Google's problem has always been that only the Nexus phone has an NFC chip that supports their wallet.  There are a couple of additional phones out there now, but adoption is still slow.  They acquired Zavers a while back to incorporate digital coupons, but the the bulk of their users continue to be non-NFC.  They have taken an open approach by not specifying particular payment brands.  Google is piloting in San Francisco and New York, supporting both MasterCard PayPass and stored value. I suppose the other card brands may eventually follow.  There's no cost for consumers or merchants -- Google will make money via targeted ads. Isis Not long after Google announced its wallet, AT&T, Verizon, and T-Mobile announced a joint venture called Isis.  They are in the unique position of owning the SIM in the phones they issue.  At first it seemed Isis was a vehicle for the carriers to compete with the existing card brands, but Isis later switched to a generic wallet that supports the major card brands.  Isis reportedly charges issuers a $5 fee per customer per year.  Isis will pilot this summer in Salt Lake City and Austin. PayPal PayPal, the clear winner in the online payment space beyond traditional credit cards, is trying to move into physical stores.  After negotiations with Google to provide a wallet broke off, PayPal decided to avoid NFC altogether, at least for now, and focus on payments without any physical card or phone.  By avoiding NFC, consumers don't need an NFC-enabled phone and merchants don't need a new reader.  Consumers must enter their phone number and PIN in the merchant's existing device, or they can enter their PIN in the PayPal inStore app running on their phone, then show the merchant a unique barcode which authorizes payment. Paypal is free for consumers and charges a fee for merchants.  Its not clear, at least to me, how PayPal handles fraudulent transactions and whether the consumer is protected. The wildcard is, of course, Apple.  Their mobile technologies set the standard, so incorporating NFC chips would certainly accelerate adoption of many payment solutions.  Their announcement today of the iOS Passbook is a step in the right direction, but stops short of handling payments. For those retailers that have invested in modern terminals, it seems the best strategy is to support all the emerging solutions and let the consumers choose the winner.

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