Архив метки: AI

PayTalk promises to handle all sorts of payments with voice, but the app has a long way to go

Neji Tawo, the founder of boutique software development company Wiscount Corporation, says he was inspired by his dad to become an engineer. When Tawo was a kid, his dad tasked him with coming up with a formula to calculate the gas in the fuel tanks at his family’s station. Tawo then created an app for gas stations to help prevent gas siphoning.
The seed of the idea for Tawo’s latest venture came from a different source: a TV ad for a charity. Frustrated by his experience filling out donation forms, Tawo sought an alternative, faster way to complete such transactions. He settled on voice.
Tawo’s PayTalk, which is one of the first products in Amazon’s Black Founders Build with Alexa Program, uses conversational AI to carry out transactions via smart devices. Using the PayTalk app, users can do things like find a ride, order a meal, pay bills, purchase tickets and even apply for a loan, Tawo says.
“We see the opportunity in a generation that’s already using voice services for day-to-day tasks like checking the weather, playing music, calling friends and more,” Tawo said. “At PayTalk, we feel voice services should function like a person — being capable of doing several things from hailing you a ride to taking your delivery order to paying your phone bills.”

PayTalk is powered by out-of-the-box voice recognition models on the frontend and various API connectors behind the scenes, Tawo explains. In addition to Alexa, the app integrates with Siri and Google Assistant, letting users add voice shortcuts like “Hey Siri, make a reservation on PayTalk.”
“Myself and my team have bootstrapped this all along the way, as many VCs we approached early on were skeptical about voice being the device form factor of the future. The industry is in its nascent stages and many still view it with skepticism,” Tawo said. “With the COVID-19 pandemic and subsequent shift to doing more remotely across different types of transactions (i.e. ordering food from home, shopping online, etc.), we … saw that there was increased interest in the use of voice services. This in turn boosted demand for our product and we believe that we are positioned to continue to expand our offerings and make voice services more useful as a result.”
Tawo’s pitch for PayTalk reminded me much of Viv, the startup launched by Siri co-creator Adam Cheyer (later acquired by Samsung) that proposed voice as the connective tissue between disparate apps and services. It’s a promising idea — tantalizing, even. But where PayTalk is concerned, the execution isn’t quite there yet. 
The PayTalk app is only available for iOS and Android at the moment, and in my experience with it, it’s a little rough around the edges. A chatbot-like flow allows you to type commands — a nice fallback for situations where voice doesn’t make sense (or isn’t appropriate) — but doesn’t transition to activities particularly gracefully. When I used it to look for a cab by typing the suggested “book a ride” command, PayTalk asked for a pickup and dropoff location before throwing me into an Apple Maps screen without any of the information I’d just entered.
The reservation and booking functionality seems broken as well. PayTalk walked me through the steps of finding a restaurant, asking which time I’d like to reserve, the size of my party and so on. But the app let me “confirm” a table for 2 a.m. at SS106 Aperitivo Bar — an Italian restaurant in Alberta — on a day the restaurant closes at 10 p.m.
Image Credits: PayTalk
Other “categories” of commands in PayTalk are very limited in what they can accomplish — or simply nonfunctional. I can only order groceries from two services in my area (Downtown Brooklyn) at present — MNO African Market and Simi African Foods Market. Requesting a loan prompts an email with a link to Glance Capital, a personal loan provider for gig workers, that throws a 404 error when clicked. A command to book “luxury services” like a yacht or “sea plane” (yes, really) fails to reach anything resembling a confirmation screen, while the “pay for parking” command confusingly asks for a zone number.
To fund purchases through PayTalk (e.g. parking), there’s an in-app wallet. I couldn’t figure out a way to transfer money to it, though. The app purports to accept payment cards, but tapping on the “Use Card” button triggers a loading animation that quickly times out.
I could go on. But suffice it to say that PayTalk is in the very earliest stages of development. I began to think the app had been released prematurely, but PayTalk’s official Twitter account has been advertising it for at least the past few months.
Perhaps PayTalk will eventually grow into the shoes of the pitch Tawo gave me, so to speak — Wiscount is kicking off a four-month tenure at the Black Founders Build with Alexa Program. In the meantime, it must be pointed out that Alexa, Google Assistant and Siri are already capable of handling much of what PayTalk promises to one day accomplish.

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“With the potential $100,000 investment [from the Black Founders Build with Alexa Program], we will seek to raise a seed round to expand our product offerings to include features that would allow customers to seamlessly carry out e-commerce and financial transactions on voice service-powered devices,” Tawo said. “PayTalk is mainly a business-to-consumer platform. However, as we continue to innovate and integrate voice-activated options … we see the potential to support enterprise use cases by replacing and automating the lengthy form filling processes that are common for many industries like healthcare.”
Hopefully, the app’s basic capabilities get attention before anything else.
PayTalk promises to handle all sorts of payments with voice, but the app has a long way to go

Sunshine Contacts may have given out your home address, even if you’re not using the app

A third-party contacts app you’re not using may be handing out your home address to its users. In November, former Yahoo CEO and Google veteran Marissa Mayer and co-founder Enrique Muñoz Torres introduced their newly rebranded startup Sunshine, and its first product, Sunshine Contacts. The new iOS app offers to organize your address book by handling duplicates and merges using AI technology, as well as fill in some of the missing bits of information by gathering data from the web — like LinkedIn profiles, for example.
But some users were surprised to find they suddenly had home addresses for their contacts, too, including for those who were not already Sunshine users.
TechCrunch reached out to Sunshine to better understand the situation, given the potential privacy concerns.

We understand there are several ways that users may encounter someone’s home address in the Sunshine app. A user may already have the address on file in their phone’s address book, of course, or they may have opted in to allow Sunshine to scan their inbox in order to extract information from email signature lines. This is a feature common to other personal CRM solutions, too, like Evercontact.
In the event that someone had signed an email with their home address included in this field, that data could then be added to their contact card in the Sunshine app. In this case, the contact card is updated in the Sunshine Contacts app, which then syncs with your phone’s address book. But this data is not distributed to any other app users.

Image Credits: Sunshine

The app also augments contact cards with information acquired by other means. For example, it may use the information you do have to complete missing fields — like adding a last name, when you had other data that indicated what someone’s full name is, but hadn’t completed filling out the card. The app may also be able to pull in data from a LinkedIn profile, if available.
For home addresses, Sunshine is using the Whitepages API.
The company confirmed to TechCrunch it’s augmenting contact cards with home addresses under some circumstances, even if that contact is not a Sunshine Contacts user. Sunshine says it doesn’t believe this to be any different from a user going to Google to look for someone’s contact information on the web — it’s just automating the process.
Of course, some would argue when you’re talking about automating the collection of home addresses for hundreds or potentially thousands of users — depending on the size of your personal address book database — it’s a bit different than if you went googling to find your aunt’s address so you can mail a Christmas card or called your old college roommate to find out where to send their birthday gift.
However, Sunshine clarified to TechCrunch that it won’t add the home address except in cases when it determines you have a personal connection to the contact in question.
Here, though, Sunshine enters a gray area where the app and its technology will try to figure out who you know well enough to need a home address.
Before adding the address, Sunshine requires you to have the contact’s phone number on file in your address book, not just their email. That would eliminate some people you only have a loose connection with through work, for instance. And it only updates with the home address if the partner API is able to associate that address with a phone number you have.

Image Credits: Sunshine

In addition, Sunshine says that it’s generally able to understand the type of phone number you have on file — like if it’s a residential or business line, or if it’s a landline or mobile number. (It uses APIs to do this, similar to StrikeIron’s though not that particular one.) It also knows who the phone number belongs to. Using this information and further context, the app tries to determine if a phone number is a personal or a professional number and it will try to understand your relationship with the person who owns that number.
In practice, what this means is that if all the information you had on file for a contact was professional information — where they worked, a job title, a work email and a phone number, perhaps — then that person’s contact card would not be updated to include their home address, too.
And because many people use their personal cell for work, Sunshine won’t consider someone a “personal” relationship just because you have their mobile phone number. For example, if you had only a contact’s name and a cell number, you wouldn’t be able to use the app to get their home address.
The result of all this automated analysis is that Sunshine, in theory, only updates contact cards with home addresses where it’s determined there’s a personal relationship.
This, of course, doesn’t take into account some scenarios like bad exes, stalking or a general desire for privacy. Arguably, there are times when someone may have a lot of personal information for a contact in their address book, but the contact in question would rather not have their home address distributed to that person.
The only way to prevent this, presumably, would be to opt out at the source: Whitepages.com. (Once you have your profile URL from the Whitepages website, you can use this online form to have your information suppressed.)

Image Credits: Sunshine

The way the app functions raises questions about what is truly private information these days.
Sunshine points out that people’s home addresses are not as hidden from the world as they may think, which makes them fair game.
It’s true that our home addresses are often publicly available. Although it’s been years since most of us have had a telephone directory dropped on our doorstep with phone and address listings for people in our city, home addresses today are relatively trivial to find when you know where to look online.
In addition to public records — like voter registration databases — there are web-based people finders, too.
Sunshine’s partner, Whitepages.com, makes visitors pay for its data, but others like TruePeopleSearch.com don’t have the same paywall. With someone’s first and last name and city, its website provides access to someone’s home address, prior addresses, cell phone, age and the names of family members and other close associates. (TruePeopleSearch is not a Sunshine partner, we should clarify.)

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Even though this data is “public,” it’s uncomfortable to see it casually distributed in an app, as that makes it even easier to get to than before.
Plus, after years of being burned by data breaches and data privacy scandals, people tend to be more protective of their personal information than before. And, had they been asked, many would probably decline to have their home addresses shared with Sunshine’s user base. Generally speaking, people appreciate the courtesy of having someone come ask for a home address, when it’s needed — they may not want an app creeping the web to find it and hand it out.
Sunshine Contacts is in an invite-only beta in the U.S., so the company has time to reconsider how this feature is implemented based on user feedback before it becomes widely available.

Sunshine Contacts may have given out your home address, even if you’re not using the app

5G, AI, cybersecurity and renewable energy set for investment boost under EU coronavirus recovery plan

The European Commission is proposing to direct billions of euros of financial relief into high tech and green investments to help the bloc recover from the coronavirus crisis.
Technologies such as 5G, AI, cloud, cybersecurity, supercomputing and renewable energy look set to benefit from a €750BN pan-EU support package set out today — aligning with the Commission’s pre-existing policy priorities before the pandemic struck the region, causing thousands of deaths and major economic damage.
“Urgent action is needed to kick-start the economy and create the conditions for a recovery led by private investment in key sectors and technologies. This investment is particularly crucial to the success of Europe’s green and digital transitions,” it writes in a factsheet on its budget proposal set out today — which is being slated as a wider “recovery plan” for Europe.
“Investment in key sectors and technologies, from 5G to artificial intelligence and from clean hydrogen to offshore renewable energy, holds the key to Europe’s future,” it adds.
On the green deal front, it’s touting:
A massive renovation wave of our buildings and infrastructure and a more circular economy, bringing local jobs;
Rolling out renewable energy projects, especially wind, solar and kick-starting a clean hydrogen economy in Europe;
Cleaner transport and logistics, including the installation of one million charging points for electric vehicles and a boost for rail travel and clean mobility in our cities and regions;
It also plans to funnel more financial support into a Just Transition Fund to support re-skilling and help businesses tap into the economic opportunities offered by digitization and going green.
The Commission estimates that at least €1.5 trillion will be needed to reboot the EU’s economy as a result of the pandemic crisis in 2020-2021 alone — so the budget proposals include a revision of the 2014-2020 multiannual financial framework as well as a financial framework for the 2021-2027 period.
The Commission is proposing to borrow €750BN on the financial markets, through the issuance of bonds, for a ‘Next Generation EU’ fund which will be channelled through EU programs between 2021 and 2024 — with the loan to be repaid over “a long period of time throughout future EU budgets” (not before 2028 and not after 2058).
It’s proposing three investment pillars for this fund: One focused on support for EU Member States via direct investment and reforms; a second focused on kick starting the EU economy by incentivizing private investments; and a third aimed at learning lessons from the COVID-19 crisis, with a big focus on health, as well as civil contingencies and foreign aid.
Under the first pillar, digital and green technologies are set to benefit from a proposed €560BN Recovery and Resilience Facility that will offer EU Member States financial support for related investments and reforms, including a grant facility of up to €310BN and up to €250BN available in loans.
“Support will be available to all Member States but concentrated on the most affected and where resilience needs are the greatest,” the Commission said today.
It’s also proposing €15BN extra for the European Agricultural Fund for Rural Development — to “support rural areas in making the structural changes necessary in line with the European Green Deal and achieving the ambitious targets in line with the new biodiversity and Farm to Fork strategies”.
Under the second pillar, a new Solvency Support Instrument is intended to mobilize private resources to support what the Commission bills as “viable” European companies in the sectors, regions and countries most affected. It wants this support to be operational from 2020, and is suggesting a budget of €31BN with the aim of aiming to unlock €300BN in solvency support for companies from all economic sectors (to “prepare them for a cleaner, digital and resilient future”, as it puts it).
There’s also more money for the InvestEU investment program which the Commission wants to see hitting €15.3BN over the budget period to spin up more private investment in projects across the EU.
It’s also proposing a new Strategic Investment Facility be built into InvestEU which it wants to generate investments of up to €150BN to boost the resilience of “strategic sectors”, again notably those linked to the green and digital transition — with €15BN set to be chipped in here from the Next Generation EU pot.
Under the third pillar, the Commission is earmarking €9.4BN for a new health programme, EU4Health, that’s intended to strengthen health security and prepare for future health crises.
While the Horizon Europe research program is set to get €94.4BN — including to support what it dubs “vital research” in health, resilience and the green and digital transitions.
Commenting in a statement, European Commission president, Ursula von der Leyen, said: “The recovery plan turns the immense challenge we face into an opportunity, not only by supporting the recovery but also by investing in our future: the European Green Deal and digitalization will boost jobs and growth, the resilience of our societies and the health of our environment. This is Europe’s moment. Our willingness to act must live up to the challenges we are all facing. With Next Generation EU we are providing an ambitious answer.”
In terms of next steps, the Commission’s budget proposals will need to gain political agreement from the European Council. It’s hoping will be achieved by July, with the EU’s executive keen to impress on Member States there’s no time to lose in financing coronavirus relief.
The EU parliament will also need to have its say but the Commission has penciled in early autumn for the adoption of the revised 2014-2020 framework and December 2020 for adoption of the revised Multiannual Financial Framework 2021-2027 (as well as Member States’ Own Resources Decision) — with the aim of implementing the latter framework in January 2021.

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5G, AI, cybersecurity and renewable energy set for investment boost under EU coronavirus recovery plan

Health APIs usher in the patient revolution we have been waiting for

Rish Joshi
Contributor

Rish is an entrepreneur and investor. Previously, he was a VC at Gradient Ventures (Google’s AI fund), co-founded a fintech startup building an analytics platform for SEC filings and worked on deep-learning research as a graduate student in computer science at MIT.

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If you’ve ever been stuck using a health provider’s clunky online patient portal or had to make multiple calls to transfer medical records, you know how difficult it is to access your health data.
In an era when control over personal data is more important than ever before, the healthcare industry has notably lagged behind — but that’s about to change. This past month, the U.S. Department of Health and Human Services (HHS) published two final rules around patient data access and interoperability that will require providers and payers to create APIs that can be used by third-party applications to let patients access their health data.
This means you will soon have consumer apps that will plug into your clinic’s health records and make them viewable to you on your smartphone.
Critics of the new rulings have voiced privacy concerns over patient health data leaving internal electronic health record (EHR) systems and being surfaced to the front lines of smartphone apps. Vendors such as Epic and many health providers have publicly opposed the HHS rulings, while others, such as Cerner, have been supportive.
While that debate has been heated, the new HHS rulings represent a final decision that follows initial rules proposed a year ago. It’s a multi-year win for advocates of greater data access and control by patients.
The scope of what this could lead to — more control over your health records, and apps on top of it — is immense. Apple has been making progress with its Health Records app for some time now, and other technology companies, including Microsoft and Amazon, have undertaken healthcare initiatives with both new apps and cloud services.
It’s not just big tech that is getting in on the action: startups are emerging as well, such as Commure and Particle Health, which help developers work with patient health data. The unlocking of patient health data could be as influential as the unlocking of banking data by Plaid, which powered the growth of multiple fintech startups, including Robinhood, Venmo and Betterment.
What’s clear is that the HHS rulings are here to stay. In fact, many of the provisions require providers and payers to provide partial data access within the next 6-12 months. With this new market opening up, though, it’s time for more health entrepreneurs to take a deeper look at what patient data may offer in terms of clinical and consumer innovation.
The incredible complexity of today’s patient data systems

Health APIs usher in the patient revolution we have been waiting for