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PayPal launches QR code shopping service: window shopping 2.0

The way consumers pay and shop is changing quickly, and with smartphones, change is accelerating quickly. It is said that the way consumers shop will change more in the next three years than in the last 20 combined.

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PayPal takes on bricks-and-mortar stores

Announced this week, PayPal will be expanding a portion of its “Shop and Pay on the Go” services to international markets, testing the use of QR codes at brick-and-mortar stores in the Netherlands first. They’re referring to the new service as “window shopping 2.0,” allowing consumers to scan QR codes on shop windows, posters, billboards, etc. and instantly pay for selected items with their PayPal account. While this won’t work with big ticket items like cars, homes, etc., but for retailers, this could go a long way toward improving sales when offline stores are closed.

PayPal’s QR code service was launched in a Singapore subway station back in February, and now is being brought to Amsterdam’s popular shopping district, De 9 Streetjes (The Nine Streets) where consumers can use the iPhone PayPal app to scan QR codes at a variety of unique shops, restaurants, hotels, museums, and culture and art stores.

The QR code service is quite similar to the “Local” feature in the current PayPal mobile app, which provides a list of local retailers, restaurants, or servicers that are using the “PayPal Here” service, in which consumers can check into a store using the app, and pay for items directly from their phone instead of using cash or a physical credit card. Merchants can request to use PayPal Here point of sale technology in their store by filling out an application through PayPal.

Shopping will change more in the next three years than the last 20

John Donahoe, eBay, Inc. CEO, has said that the way consumers shop and pay in the next three years will change more than it has in the last 20. In The Netherlands, we see that prediction already coming true. The next wave will be a dramatic blurring of the lines between e-Commerce, m-Commerce and high street retail. Physical retailers will use internet technology to make consumers’ lives easier in several different ways: skipping the line, order remote and pick up in store, location based shopping assistance, or opt-in, user profile based service and incentives.

Eelco van Wijk, Country manager, the Netherlands & Belgium said, “While we are very proud of the QRoute model in De 9 Straatjes zone, this is not an end station. We see this as a first step into that convergent world for PayPal in The Netherlands. 2012 is a test and learn year for all of us at PayPal around the world. We are testing many new ways for customers to shop anywhere they want. With this project we’re learning more about how to maximize the fantastic real estate available in shop windows to help sales 24×7.”

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The American Genius is news, insights, tools, and inspiration for business owners and professionals. AG condenses information on technology, business, social media, startups, economics and more, so you don’t have to.

Tech News

Want to know how your passwords could get hacked?

(TECH NEWS) While we all know that passwords can be hacked, it is rare that we know how they’re hacked.

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Ever wonder how passwords get stolen? I like to imagine a team of hackers like The Lone Gunmen from The X-Files, all crowded in some hideout conducting illegal computer business based on tips from rogue FBI Agents.

Turns out there’s a little more to hacking than waiting for Fox Mulder to show up with hints.

Most of the common tactics involve guessing passwords utilizing online and offline techniques to acquire entry. One of the main methods is a dictionary attack.

This method automatically tries everything listed in a small file, the “dictionary,” which is populated with common passwords, like 123456 or qwerty. If your password is something tragically simple, you’re out of luck in a dictionary attack.

To protect yourself, use strong single-use passwords for each individual account. You can keep track of these with a password manager, because no one is expecting you to remember a string of nonsensical numbers, letters, and characters that make up a strong password.

Of course, there are still ways for hackers to figure out even complex passwords.

In a brute force attack, every possible character combination is tried. For example, if the password is required to have at least one uppercase letter and one number, a brute force attack will meet these specifications when generating potential passwords.

Brute force attacks also include the most commonly used alphanumeric combinations, like a dictionary attack. Your best bet against this type of attack is using extra symbols like & or $ if the password allows, or including a variety of variables whenever possible.

Spidering is another online method similar to a dictionary attack. Hackers may target a specific business, and try a series of passwords related to the company. This usually involves using a search “spider” to collate a series of related terms into a custom word list.

While spidering can be devastating if successful, this kind of attack is diverted with strong network security and single-use passwords that don’t tie in easily searchable personal information.

Malware opens up some more fun options for hackers, especially if it features a keylogger, which monitors and records everything you type. With a keylogger, all your accounts could potentially be hacked, leaving you SOL. There are thousands of malware variants, and they can go undetected for a while.

Fortunately, malware is relatively easy to avoid by regularly updating your antivirus and antimalware software. Oh, and don’t click on sketchy links or installation packages containing bundleware. You can also use script blocking tools.

The delightfully named (but in actuality awful) rainbow table method is typically an offline attack where hackers acquire an encrypted list of passwords. The passwords will be hashed, meaning it looks completely different from what you would type to log in.

However, attackers can run plaintext passwords through a hashtag algorithm and compare the results to their file with encrypted passwords. To save time, hackers can use or purchase a “rainbow table”, which is a set of precomputed algorithms with specific values and potential combinations.

The downside here is rainbow tables take up a lot of space, and hackers are limited to the values listed in the table. Although rainbow tables open up a nightmare storm of hacking potential, you can protect yourself by avoiding sites that limit you to very short passwords, or use SHA1 or MD5 as their password algorithms.

There’s also phishing, which isn’t technically hacking, but is one of the more common ways passwords are stolen. In a phishing attempt, a spoof email requiring immediate attention links to a fake login landing page, where users are prompted to input their login credentials.

The credentials are then stolen, sold, used for shady purposes, or an unfortunate combination of all the above. Although spam distribution has greatly increased over the past year, you can protect yourself with spam filters, link checkers, and generally not trusting anything requesting a ton of personal information tied to a threat of your account being shut down.

Last but certainly not least, there’s social engineering. This is a masterpiece of human manipulation, and involves an attacker posing as someone who needs login, or password, building access information. For example, posing as a plumbing company needing access to a secure building, or a tech support team requiring passwords.

This con is avoidable with education and awareness of security protocol company wide. And also you know, not providing sensitive information to anyone who asks. Even if they seem like a very trustworthy electrician, or promise they definitely aren’t Count Olaf.

Moral of the story? Your passwords will never be completely safe, but you can take steps to prevent some avoidable hacking methods.

Always have a single-use password for each account, use a password manager to store complex passwords, update malware, keep your eye out for phishing attempts, and don’t you dare make your password “passoword.”

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Tech News

Should social networks fear Jumbo, the new privacy app?

(TECHNOLOGY) Although iOS only (for now), Jumbo has launched and could put a dent in some of the nefariousness of social media networks…

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Like virtually every other online outlet, we’ve both talked about web and app privacy and complained bitterly about the invariable fall of online rights. However, while we’ve been talking the talk, a company called Jumbo has been cyber-walking the cybersecurity walk.

Jumbo – an iPhone app focused on keeping your online trails as private as possible – has a simple premise: allowing social media users to manage their online privacy with a few taps rather than having to navigate each individual service’s infuriatingly complex labyrinth of privacy settings. Instead of having to visit each individual app you want to clean up, you can simply open Jumbo, select your preferences, and wait for the magic to happen.

Jumbo’s features range from cleaning up social media timelines and old posts to erasing entire searches or resetting privacy information; while it currently varies depending on the social media service in question, Jumbo’s one commonality is its simplicity.

The star of Jumbo’s presentation is its aptly-named Cleaning Mode—a feature which allows users to wipe anything from tweets to old Google searches. Jumbo’s developers also assure users that the ability to remove things like Facebook photos is in the works, making Jumbo’s efforts to clean up your digital life that much more ubiquitous.

It is worth noting that some users have encountered limitations on the number of tweets they can delete, so you may have to batch-remove information until this bug is resolved.

When using Jumbo, you’ll also find an encrypted back-up feature that allows you to download—or use cloud storage for—old photos and files. It isn’t as dramatic as Jumbo’s primary functions, but anyone looking to make a dent in purging their online footprints will surely benefit from being able to encrypt and save their information for a rainy day through one interface.

At the time of this writing, Jumbo is prepared to assist with privacy options related to Facebook, Twitter, Google, and Amazon Alexa, but the app’s developers intend to incorporate support for platforms such as Tinder and Instagram in the future.

While Jumbo is currently restricted to iPhones, Jumbo’s maker Pierre Valade has mentioned that an Android version is “on [their] list”. In the meantime, iPhone users should strongly consider taking Jumbo for a spin.

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How to opt out of Google’s robots calling your business phone

(TECH) Google’s robots now call businesses to set appointments, but not all companies are okay with talking to an artificial intelligence tool like a person. Here’s how to opt out.

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You know what’s not hard? Calling a restaurant and making a reservation. You know what’s even easier? Making that reservation though OpenTable. You know what we really don’t need, but it’s here so we have to deal with it? Google Duplex.

Falling under “just because we can do it, doesn’t mean we should do it,” Duplex, Google’s eerily human-sounding AI chat agent that can arrange appointments for Pixel users via Google Assistant has rolled out in several cities including New York, Atlanta, Phoenix, and San Francisco which now means you can have a robot do menial tasks for you.

There’s even a demo video of someone using Google Duplex to find an area restaurant and make a reservation and in the time it took him to tell the robot what to do, he could’ve called and booked a reservation himself.

Aside from booking the reservation for you, Duplex can also offer you updates on your reservation or even cancel it. Big whoop. What’s difficult to understand is the need or even demand for Duplex. If you’re already asking Google Assistant to make the reservation, what’s stopping you from making it yourself? And the most unsettling thing about Duplex? It’s too human.

It’s unethical to imply human interaction. We should feel squeamish about a robo-middleman making our calls and setting our appointments when we’re perfectly capable of doing these things.

However, there is hope. Google Duplex is here, but you don’t have to get used to it.

Your company can opt out of accepting calls by changing the setting in your Google My Business accounts. If robots are already calling restaurants and businesses in your city, give your staff a heads-up. While they may receive reservations via Duplex, at least they’ll be prepared to talk to a robot.

And if you plan on not opting out, at least train your staff on what to do when the Google robots call.

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