Points, Smart Cards and Banker Bot, step one for the singularity

Three quick takes. 
All of them mark a big milestone. Banker Bot and 'points', along with digital interaction devices give the web a numerical index by which it will organize its semantic network. The web becomes a probability space accurately mapping human activity. Humans move along this space with their Frequent flyer points, Walmart points, energy savings points, social points and so on. A big Wythoff game. The Theory of Everything in action, and mathematicians who get this will be in hot demand by all the major corporations.


Banker Bot takes Baby Steps:

Mobile payment is threatening to overtake social messaging as the fiercest digital land grab, with dozens of companies large and small desperate to help you use your smartphone to send or spend your money with a tap or swipe.
The mobile-money app Tilt has distinguished itself from the buzzing swarm of consumer-payment and peer-to-peer money-transfer services by placing social circles at its core.
In the attached video, Tilt founder and CEO James Beshara describes his three-year-old app as “the easiest way to collect money from a group of friends for free” and as “crowdfunding for groups of friends.”


More Banker Bot.


Most Americans become engrained in the banking system at a young age—opening a savings account is a right of passage. Today 62% of the world’s population has a bank account, that’s up from 51% in 2011.
Still, there are around two billion people in the world who don’t have access to the global banking system. These “unbanked” people are overwhelmingly from undeveloped or developing countries and usually live well below the poverty line. They also tend to be women.
This information comes from the World Bank’s “Global Findix” which collects data on financial inclusion around the world. “Having an account or a safe place to save allows you to have savings to invest in new businesses, to pay for education and to manage unexpected shocks and risks,” explains Dr. Leora Klapper, lead economist of development research for the World Bank.


Smart Card, in production already rolling:

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