Deposit Checks With Your Cell Phone

May 11, 2010

I have to hand it to the folks at USAA. They are ahead of the game in every respect. They have released a mobile application that allows you to deposit a check using your cell phone! For over a year, they have had an application that allows customers to deposit checks using a computer and a scanner. This has been incredibly helpful as they do not have local branches.

This is relatively straight forward technology has been made possible because of the switch in the banking industry to “check truncation.” In the old days, seven years ago, the physical check was sent from the recipient’s bank back to the check writer’s bank. This was a laborious task that took a lot of resources to manage all of those paper checks. Under the check truncation process, an electronic image of the check is deemed just as good, so once a bank has an image of the check, they can destroy the original.

However, under their new application (currently only available for iPhone and Android devices), a customer simply takes a picture of the check and it is deposited into their account.  I have yet to use this technology, but it would certainly help around my house as checks often sit attached to our refrigerator waiting to go upstairs to the scanner for deposit. You can watch a YouTube video of this process here.

I have yet to use this application myself being a Blackberry owner, but USAA’s website promises a Blackberry version soon. If you have used the application to deposit a check, please drop me a line. I’m anxious to know how it worked for you.

Calls from Cheynne Wyoming – How to stop them…

April 30, 2010

Well, not exactly wireless, but we have been getting a lot of calls from a mysterious number that shows up on caller ID as being from 307-459-1039 in Cheyenne, Wyoming. I have developed a solution and here was the best place anywhere to disseminate. The calls would call at all hours and no one was ever on the other end of the line. I thought we were just the unfortunate recipients of a computer gone wild until I saw an article by Rob Pegoraro from the Washington Post reporting that this same number has been calling houses all over the Washington Region.

Once the calls started to wake us up I knew I had to find a solution. When I had Sunrocket VoIP service, I remembered that one of their features was to have a “blocked caller list” that would automatically send calls from certain numbers to voicemail. I figured that our current home phone provider, Comcast, must have a similar feature with their Comcast Digital Voice (CDV) product. However, twenty minutes of searching their help forums yielded nothing. I didn’t want to give up because this seems like a feature that MUST be there so I initiated a tech chat with “Sandy Sue”.

After I explained my predicament with Sandy Sue she sent me instructions to dial *60 from your CDV home phone. A voice response unit (VRU) guides you through a process to activate and then add numbers to a call screening list. Calls from numbers on your list never ring your phone. (Although I don’t know if they receive an error message or are sent to voicemail.) With these instructions, and less than five minutes, we have not been bugged by those annoying call since.

I also use Packet8 for my office line. Packet8 has a similar feature, however it is activated from the customer web portal under features. I am sure that many other VoIP providers have similar features. If you have a different service, send me an email or post a comment and I will list the “solution” here.

Windows Mobile Series 7 Battens Down the Hatches

April 22, 2010

On my way back from CTIA I was able to share a cab with a product manager from Microsoft working on Windows Mobile Series 7. All of the press reports on this new platform seem positive, but I wonder if it isn’t a little too little too late. Apple, Google and RIM (yes RIM) have sown up a lot of the smartphone market while Microsoft has been largely dormant. My assumption is that this is largely due to their lack of ability to think outside of the box and their apparent corporate strategy to be a follower instead of a leader. (Can you think of one feature or platform where Microsoft is truly an innovator any more?)

Microsoft does have a lot going for it, however. Mainly the large number of business customers who run Windows servers and computers as well as a decent installed base of Exchange. In the past, they have simply developed products and features similar to other companies who have innovated and then made it easy for IT administrators to incorporate the product into their networks. Ironically, however, Microsoft seems to be bypassing the corporate market on their first pass and the first phone out the gate will be very social networking friendly. This may be because even corporate end-users are revolting against the boring IT provided phone. You can easily step on the line workers when they ask for a cool phone, but when the CEO, COO, CMO and CFO all want to carry iPhones, it is hard for the IT manager to say “No” and keep their job. Even the IT manager wants to carry an iPhone or an Android device.

The new competition will be welcome into the market. Microsoft has the financial wherewithal to go through an iteration or two (unlike Palm) until they get it right. Back to my cab ride with the product manager. I found three points very interesting:

  1. He considers Apple to be the big competitor in this space. He was almost dismissive of Android even though industry projections show Android taking the market share lead in a few years. I think they believe that Android will implode under its own weight with many different versions running on different handsets. He pointed out that each manufacturer will tweak its Android version for their platform which will make upgrading versions on phones very difficult if not impossible. (I didn’t point out that MS itself doesn’t really have a good track record in this area but perhaps this experience allows him to speak with authority…) He also correctly points to Google’s lack of experience with providing end-user support as another reason not to fear Android. That being said, Google, like Microsoft, has deep pockets and a lot of business models to make money from mobile. They are in it for the long haul and have the pockets to get it right eventually.
  2. He never mentioned RIM at all when discussing major competitors. This could be because they feel that they are going to take market share away from RIM. This is likely, not only with the smart phones but also with the cash cow Blackberry Enterprise Servers (BES). I can see a point where MS buys RIM after the loose enough market share and the value drops enough.
  3. The most disturbing learning, however, was that MS is going to lock-down the phone so that you MUST GO THROUGH THEIR APPLICATION STORE… This is very different from the current Windows Mobile phones where users can load any application they desire on the phone. No certification necessary. His point is that this is a requirement to “protect” the user experience. This is a believable argument, however I think the bigger argument is that it allows Microsoft to take a piece of the action for any applications sold…

The Perfect Holiday Gift

December 15, 2009

If you are like 75% of the world, you are currently looking for a holiday gift for that special someone. This posting is all about a great new toy that my wife gave to me for our anniversary. It is the Logitech Squeezebox Boom. This is a replacement for our Bose Wave Radio that we have had in our bedroom for almost 15 years. I loved the sound on the Wave Radio, I find that Bose is behind the times for adding mainstream features. This was true 15 years ago when I could not purchase a Wave Radio with a CD player while several less expensive similar devices had integrated CD players. They were slow to add MP3 support for their CD players and just now have iPod Docks for an additional $50. It is as if Bose thinks that all you need is good speakers and what you will listen to on those devices is an afterthought.

Hence my drive to look for a new radio. You know my love of Slacker and I really wanted one that had streaming music support from the Internet. A quick search on Amazon and BestBuy.com lead me to the Logitech Squeezebox Boom. The basic premise is a clock radio with decent speakers and built-in WiFi support. But that just scratches the surface. Out of the box, it is a little clunky to set up by entering in your WiFi access point and security key. However, at that point, I suggest doing everything from the web at www.mysqueezebox.com. From there you can browse “applications” that you can download to your device and configure just about everything.

My first download was Slacker of course, but if you prefer Pandora you are in luck as it is supported as well. There are lots of applications ranging from Classical.com to Last.fm. If you are a podcast lover, you can download the Media Fly application that allows you to stream podcasts to your radio. I quickly set it up for one of my favorite Podcasts - This Week in Science. You can also download and install the Squeezebox Server to your computer to be able to stream MP3′s from your computer. I believe that this should work across network boundaries, so theoretically you could have the Squeezebox in your office and stream music from your home computer as long as it was also turned on and connected to the Internet. I must admit, I love Slacker so much, I don’t listen to my MP3s much any more so I have yet to fully explore this feature.

It appears that Logitech publishes an application programming interface (API) for developing new applications so hopefully new applications will be added over time. They have an interesting “application” from Queen which is really just an audio commentary off of their new best of CD but an interesting listen. Amazon also has an application that I haven’t tried yet that appears to make it easy for you to purchase CD’s directly from the Squeezebox.

The sound on the device is decent. It does not have the rich bass tones that the Wave Radio has, but it is also about 1/3rd less and has much more functionality. It has a port for an external woofer which I suspect will greatly improve the sound and will likely be on my shopping list in the near future. As far as serving as a clock radio, it allows you to set multiple alarms and schedule the days of the week to be active. You can also select the sound from a library of sounds that come with the device (nature sounds, trains, musical tones, etc.) or any other source such as MP3s, podcasts or Internet radio station. One word of caution, I set it for rain one morning and spent five minutes listening to the downpour outside, cursing the weatherman for predicting a sunny day until I realized it was my alarm… Oh and forget about setting the clock – it gets the time automatically from Internet time servers.

One of the coolest features, however, I didn’t discover until about two weeks after I had been using the device. The Boom does not come with AM or FM radios! However, it receives all of the local radio stations in perfect sound. By searching through the local radio stations you will see a list of all of the streams from local radio stations. I was struggling to listen to the Redskins game on the local ESPN station through the FM radio in my kitchen but received PERFECT sound quality on my Squeezebox through their Internet feed. I also really like to listen to WRBS out of Baltimore (My buddy from junior high Mike Alley is on the morning show). I can barely get it in my car while driving in certain areas but get it perfectly through their stream. I’m assuming that if I were a transplant, I could program in radio stations from other parts of the country if I so desired but haven’t yet tried that.

There are a few down sides to the Squeezebox. First, as a clock radio, it doesn’t display the time when listening to music. It does show you artist/album/track information and have a graphic indicating how much of the song has played. I am still exploring how the volume level is set on the alarms. Because of the number of features that are included there is a significant menu structure that can also be daunting for the technically challenged. It would be nice to have a built-in iPod dock, but can’t say that I really miss it as I spend so much time listening to streaming music instead.

There are three basic versions available from Logitech. I’ve put in links to Amazon, although Best Buy also has great prices if you want to pick it up.

Click on link to see at Amazon.comLogitech Squeezebox Boom All-in-One Wi-Fi Internet Radio This is the version that I purchased. It has stereo speakers and a basic remote. Perfect for a kitchen or as an alarm clock.
Click on link to see at Amazon.comLogitech Squeezebox Duet Wi-Fi Internet Radio This is a great addition to a stereo system. Includes are really cool wireless remote control that also shows album art. Haven’t tried this as I just haven’t had the disposable income for a nice stereo system since kids…
Click on link to see at Amazon.comLogitech Squeezebox Radio (Red) A more basic model also good for the kitchen where counter space is at a premium. Includes album art on the color screen.

Carriers Need To Steal From Google’s Playbook

November 4, 2009

Greetings all. I apologize for the unannounced long absence from the blog. In short, things got busy on the consulting and family fronts and I put the blog on the back burner for a while. Lots has happened in the last few months. One of the biggest news events that I have been waiting for has been Verizon Wireless’ release of the Blackberry Storm 2.

I had been waiting on this for a while as the more I used my Storm, the slower it got. We are almost back to the early Windows days when you had to reboot your servers daily to keep them running smoothly. I can only surmise that the issue has something to do with memory leaks or ill-behaved applications that do not release resources when they can.

Like many of you, I had been watching the blogosphere to see what fellow bloggers were writing about expected releases. The first date that felt real was October 21st. However, as the 21st approached, rumor had it that Verizon Wireless was delaying the release because of an issue they found while testing.  This led to an interesting conversation with a good friend and fellow wireless industry veteran, Mary Foltz. (Mary is one of those rare individuals who has long history with a carrier (Sprint Nextel) and is also a founder of a company (Air Arts).

Beta programs. Yup, that’s right, the carriers should take a page from Google and launch hot new phones quickly under a “beta” program. These phones would be offered on the carrier’s developer web page with the stipulation that the phone is in beta mode, it may never be launched, and results may vary. ANYONE who registers for the developer page should be given access to this program and not just special partners. This allows the carriers to get some great pre-launch publicity, shake the kinks out of a phone before “public launch” and make their developer community feel special. Who knows, maybe they might even have applications developed for the phone on the day of the public launch.

Beta programs are a tried and true method over the last few years to get applications to market while setting customer expectations for something special, but also to expect issues. Having a positive reporting mechanism for issues will only increase the community feeling that they are special and valued and improve the beta experience. Personally, to get my hands on the Storm 2 a month or two earlier, I would have put up with a lot of “issues”. (Yes, I am a phone geek.)

Imagine if Verizon Wireless had used a beta program to launch the original Storm. They would have had a product to market to satisfy the core gadget hounds. Those hounds would have expected some of the early problems that were reported by Storm users. Instead of being negative publicity, it would have been part of the beta program and allowed Verizon additional time to correct these problems. I also guarantee that some of the problems that surfaced after launch were never identified by their testing houses. Two or three months later, after most of the bugs were vetted and worked out, the phone could have been released. By that time, expectations would have been set for any issues that were not corrected during the beta process and again, avoiding negative publicity and customer experiences. The net result – core gadget hounds get their phones early and are happy while the general population gets a much better phone that has been put through the paces.

As If 4G Was A Choice

July 6, 2009

I had a chance to see Mark Holland, Director of Global Standards and Intellectual Property at Clearwire at the Virginia Wireless program last month. It was a great presentation on the potential of WiMax. The promise of wireless broadband speeds in the tens of megabits downstream will certainly propel new applications for mobile devices. Delivery of presentations, mobile desktop sharing (GoToMeeting on your mobile phone) and even mobile video conferencing are some of the business applications that will likely take up the bandwidth on these phones.

On the consumer side, place shifting technologies such as Sling Media, streaming music and mobile video will certainly help take up the excess capacity on the airwaves. Existing applications will also take up additional bandwidth with more advanced turn-by-turn navigation and better web experiences as the mobile browsers catch up to the availability of bandwidth.

The presentation lists the party line that Clearwire has a two year head start over LTE, the next generation high-speed network favored by just about every other US carrier. During Q&A, however, Mr. Holland indicated that internally they feel that number to be more like three years head start. This is not an unrealistic number as AT&T has begun rolling out an upgraded version of their existing 3rd generation high speed network HSDPA which will likely delay the need to deploy LTE. Verizon says they will begin deploying LTE in 2010, but Qualcomm, one of the makers of mobile phones suggested that they will not have LTE chips ready for mobile phones until the 2nd half of 2010, leaving it unclear if any handsets will be available for a 2010 deployment.

Even with a three year head start, Clearwire needs to step up the deployment as any window will be quickly closed by the major carriers who have existing customer relationships. In my view, there are four keys to success for Clearwire:

  1. Devices – Clearwire needs to be pushing (and subsidizing) device manufacturers to get devices to the market. As of yet, they do not have a single voice product. Clearly a trimode phone is necessary that will support voice, 3G and 4G data. (They will need 3G data to have nationwide coverage now.) Even a dual mode (voice and WiMax) would be great to compete with some of the flat rate carriers such as Leap or MetroPCS that offer unlimited no roaming services.
  2. Deployment – Clear is certainly working hard with a number of different contractors to deploy WiMax as fast as they can. With that said, however, they need to step up the deployment as fast as possible. The current strategy seems to be heavily weighted towards fixed consumer wired broadband replacement services. This market is sizable but shrinking as most places with desirable demographics already have wired broadband or are getting it soon.
  3. Applications – Apple has shown the way for rapid adoption and that is through choices of applications available for subscribers. Clearwire needs to pay close attention and work with developers of bandwidth intensive content. The cable companies who are reselling consumer versions of Clearwire should be leading the way with on-demand video.
  4. Pricing – Conventional wisdom might say that Clearwire should charge a premium to capture more revenue from early adopters. I think this may be a mistake. We know from history that the price for wireless service will continue to fall. Clearwire needs to be aggressive with pricing to attract customers to sign up for their service before the major carriers deploy. This will not only encourage VZW and AT&T customers to turn to Clearwire, but will also skew those carrier’s business plans as they look at longer payback periods for their investments.

I’m looking forward to a future of high-speed wireless services and think Clearwire and WiMax will play a major role. If nothing else, it will encourage competition with the major carriers. In future weeks I will be looking at new ideas for what to do with this bandwidth. As always, if you have ideas on what you would do with a lot more bandwidth, drop me a line…

You Will Get a Charge Out Of This

July 2, 2009

What seems like such a logical product feature is finally coming to pass thanks to, gulp, the Europeans… If you have owned more than one mobile phone, chances are you have more than one mobile phone charger. There is even a good chance that those phone chargers are not interchangeable leading to a huge black hole of old cell phone chargers in landfills. One estimate I read was that 1.2 billion cell phones are sold each year, each with its own charger. This seems a bit high, but maybe not that far off the mark.

The major cell phone companies have all voluntarily agreed to standardize on the micro USB port for cell phone charging. This includes the Apple iPhone which might also translate into standardization of the microUSB for iPods in the near future. Forget the cable to synchronize your PDA while on the road, no worries, just ask one of your collegues who has a PDA – even if it is a different brand.

I got fed up with all of the different chargers that I purchased one of those universal power adapters that will power my laptop, iPod and phones by purchasing separate “tips”. This was fantastic when I was routinely carrying four or five different phones for demonstrations. Even phones made by the same manufacturer used different power tips. I have five different power tips for Motorola phones alone! Every time I would upgrade my phone, I would receive a new charger – even on the off chance that the phone I was upgrading used the same charger as one of my old phone.

One estimate is that this agreement could reduce by half the number of chargers produced each year and save nearly 50,000 tons of charger trash from reaching our landfills. (I wonder what the half-life of a phone charger is anyway…) Having one power adapter for multiple devices will not only reduce the waste, but also reduce the clutter in my briefcase or bags when I travel. Not having to spend an additional $25 each time I upgrade my phone for a new car charger is also a bonus. (OK, I never paid that much, but that is what the carriers sell them for in the store.)

Who stands to gain from this switch? In short, just about everyone. Less junk in landfills and no unneeded production costs. Even the folks that make these chargers will likley continue to make them for the cell phone manufacturers. Carriers will likely sell more replacment chargers than they currently do. Since replacement chargers are not subject to subsidies, they actually stand to make MORE money from this switch. I doubt if the handset manufactuers will lower their prices so this will help them as they can charge the same amount without the cost of buying, packaging and shipping the chargers. The biggest winner of all, however, will be Mother Earth who no longer has to ingest old cell phone chargers.

iPhone or Storm – A Not So Surprising Answer

June 17, 2009

A friend of mine wrote to me this week asking my thoughts on the Storm vs. the iPhone. This reminds me of cold calls from business school. No matter what the case, class or situation, the answer was always the same – “it depends.”

If you have been reading this blog, you will know that I have a Storm. But you might also pick up a love for the iPhone. As a true consultant, I made a list of the features of each and made my selection. This method should work for just about any phone so feel free to insert any phone you are considering. Everyone’s feature list will be slightly different, but here are some major categories to consider:

The Network – While all of the phones are cool, at the end of the day the device is a interesting brick without network coverage. All of the major networks (AT&T, Sprint, T-Mobile and Verizon) will have decent coverage in some parts of the country. The question is how are they where you live. In the Washington, DC area, and most of the north east United States, VZW will have the best coverage. However, the true test is how is the coverage where you will use it most such as your office, home and commute between the two? If you don’t get great coverage in one of the areas but still want a cool phone, check into Femtocells. (Read my post Femtocells – Your Own Cell Tower) VZW has released theirs and I know that AT&T was working on one.

In addition to coverage, you need to think about what network most of your friends, families and co-workers use? Having the free mobile-to-mobile minutes doubles my minutes of use (MOUs) each month. This is not only important for you, but also for the people calling you.

Features – The next major area to consider are features. Make a list of all things that are really important to you. If synchronizing to your iTunes library is important, that may swing you to a iPhone or Palm Pre. If multitasking is important (being able to switch between editing an email, calendar entry, and that hot new application is important…) then you may want to move towards the Blackberry. If your organization uses the Blackberry Enterprise Server, then your choice is made for you. Are you a Mac user at home or the office – advantage iPhone…

Applications – Are there any applications that are only available on one platform vs. the other? Then your decision may also be made for you if you think that it is an important application.

You will notice that I didn’t list price here. For any smart phone platform, you will be paying a little up front but the kicker is the monthly service contract…

So as you can see, there are many factors that will push you to one side or the other. I strongly advise taking advantage of the carrier’s 30 day trial period before porting your number. This will allow you to try out the features of the platform and the coverage areas. All you will be responsible for will be the usage during the trial period. And also strongly consider getting the insurance. I never purchased the insurance until I found my new PDA (list price without subsidy $600) dropped into the toilet by Not Me and I Didn’t Do It, two frequent visitors to any house with kids…

The Accessory You Didn’t Know You Needed

June 10, 2009

About a month ago I purchased my first bike in about twenty years. (Ok, I had one but never rode it…) I’ve really enjoyed riding my bike along the Potomac to Mount Vernon, George Washington’s estate, or in the other direction past Memorial Bridge. It is a much more interesting cardio workout than sitting in the YMCA.

While on my rides, I have taken to listening to Slacker on my Storm. Not having any kind of arm band for my Storm, I put it in my pocket and rode off into the sunset hoping that it would not fall out on the way. That is until I Googled Blackberry Storm Bike Mount and found The Mount Guys.

I love the name because it tells you exactly what they are and what they do. They sell mounts for all sorts of equipment such as phones, iPods, satellite radios, etc. for cars, boats, motorcycles and bikes. I ordered two mounts for my Storm, one for my bike and one for the car that fits into the cup holder. I opted not to get the mount that attaches to the vent, although may think about that for my CRV that doesn’t have a dashboard mounted cup holder.

The mounts arrived within a few days and installation was simple. For the bike, the mount fits on the handle bar and the blackberry fits snugly within the mount. I have used it on several trips and find that it is very convenient for skipping songs and I could even answer calls while on the bike. I don’t know if I would actually dial while riding but certainly could initiate voice dialing if necessary.

This is the best accessory that I have purchased yet for a phone. It appears sturdy and has only one flaw that I can find, it only allows you to use your phone in portrait mode, not landscape. My suspicion is that have a standard mount that isn’t adapted to the touch screen and that a rugged version that would allow landscape rotation would add a few dollars to the cost. As it is, the version I purchased was only $17. There was a more expensive version created by RAM that sold for $38 that was marine grade and may work in landscape mode, but I don’t think I need that level for my bicycle. Motorcycle owners may consider the more expensive model.

Storm Upgrade – Day Two

June 3, 2009

I need to make a correction on my post from yesterday. Originally I had said there was no OTA download of the upgrade for the Storm. You can, in fact, download the OS upgrade over the air by selecting Wireless Upgrades from Options > Advanced Options. I would, however, have appreciated a text message that would have guided me through this option. My guess is that VZW will send one out in about a week after most people have already upgraded…

I did this yesterday with my wife’s Storm with good success. There were a few responses early on that you must answer, but once going, the upgrade works fine on its own. It took less than 30 minutes for the entire download, backup, upgrade and then restore of data.

After two days with the upgrade on my own Storm I am very pleased. The OS seems to be much more stable and also speedier. The Internet browsing is also much faster. A few new features I have found so far including a full keyboard option in portrait mode is now available from the menu. 

One of the best new features, however, is the ability to slide the cursor back and forth to select the right insertion point when editing text. A box (that is originally annoying) that looks like a faint transparent button surrounds the cursor. Simply sliding that “button” back and forth moves the location of the cursor.

Has anyone else found any good features they like? Please let me know.


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