Position. This is very unamerican. Very unamerican. But you know, people are growing aware of that. You know, events like here, we try to take advantage of whatever venue we can have to express our views. And listen, i mean i came to this Country First time in the early 80s. Things are completely different, you know, 35 years later. America in the 80s, being a palestinian in the america in the 80s, i dont want anyone to experience that. It was tough. It was tough. Today, many sympathizers, many people who understand, many people who are willing to listen and this is encouraging, because the more we have people who understand both of you i never ask anyone to be antiisraeli, propalestinian. Im asking people to be for justice, for peace, for equality. This all im asking you to be. Thank you very much. [ applause ] ambassador, id like to thank you so much for coming to the Palestine Center today. Can i just thank you for being all of your experience as a diplomat political analyst and advocate, thank you. Next, a house hearing on the use of mobile Payment Technology. That will be followed by a discussion of afghanistans future. Roe v. Wade a 1973 case that determined a womans right to have an abortion is texted under the 14th amendment right of privacy established by connecticut v. Griswold. The court ruled this right is not absolute and the states can join us from the justice who wrote the opinion and explore the impact since the decision. Thats tonight starting at 9 00 eastern on cspan and here on cspan3. Fallowing that, American History tv in prime time looks at russian spies, including trial of rudolph abel, sex, kgb spies and the 70s and the Manhattan Project here on cspan3. . This holiday weekend, book tv br brings you three days of nonfiction authors. Backtoback, afterwards. Arthur brooks discusses the conservative heart, how to bill a fairer, happier america the biggest mistake, the one that trips people up the most, believe it or not, the one that should be the easiest, get happy. 8 00 p. M. , cornell west examines the life of dr. Martin luther king jr. In the radical king. Martin understood for not just christians but any human being who wants to reach a level of integrity, honesty, decency as Long Distance runner youve got to kill something in yourself. Fear. Youve got to kills something in yourself, obsession with status and wealth. Senator john danforth. Relinlen does point us beyond ourselves and in for faithful people, the me, you know, whats in it for me, the me is not central. And at 10 00 p. M. , senator Claire Mccaskill talks about plenty ladylike s a memoir, about experiences in local, state, federal government. I dont think we do anybody any favors by trying to dress up politicians as we are not real human beings that had major problems in our lives. Saturday evening, 7 00, discussion on william f. Buckley jr. s run for new york city mayor in 1965. 11 00 p. M. , Winston Groom discusses the generals, patton, mcarthur, marshall, winning of world war ii. One of the first questions i ask, why did you choose these three men from the Second World War . And my answer is that they embodied, i believe, super characteristics of courage, character, and patriotism. Sunday night at 8 00, david petrusia look as the 1932, rise of hitler and fdr. Assi assi alyssa katz discusses the corporate capture of american life. Theres a reason i chose the chamber of commerce as subject for my book. And its because this Single Organization really sums up the story how we got here to this place. Reporter this holiday weekend, watch book tv on cspan2. The house commerce manufacturing and trade subcommittee held a hearing on the growing use of mobile Payment Technology and security challenges. Representatives from samsung and paypal were among witnesses providing testimony. Subcommittee on commerce manufacturing and trade will now come to order. The chair recognizes myself for five minutes for an opening statement. I want to welcome everyone to hearing this morning examining mobile payments, which are to upend how customers pay for goods and services in stores, online, in apps, and at the parking meter. This hearing is the latest in or disrupter series, covering a variety of technologies that are redefining our lives and improving our economic condition. This past week black friday, Small Business saturday, cyber monday, flooded all of our inboxes and took over the commercial breaks on television. As the Holiday Shopping season is in full swing, this is a good time to take a look at the Consumer Experience with mobile payments. This morning we will hear from our witnesses representing a variety of Innovative Products and services in the mobile payments arena. This hearing is an opportunity to learn about the innovations that are available to consumers today and those that will be available in the near future, but we recognize that there are exciting innovations on the horizon for payments, including mobile currencies, which will be a topic for another day. Smartphones are increasingly an ever present part of our lives. Its no surprise that they are also changing the way we shop for goods and services. You can shop for your tablet in front of the television, compare on your phone while you browse in the store, and pay without ever opening your wallet. Consumers have access to more information and more competitive options are at the tip of their fingers during the busiest shopping season of the year. There has not been this big an upheaval in somehow consumers pay for goods and services from groceries to haircuts since computers replaced the old knucklebuster manual ink printers in the 1980s. In 2014, 22 of mobile phone owners reported making a purchase with their phone. 39 used their phones to make a purchase in the store. When you find that perfect christmas gift, you may be able to pay by tapping your phone at checkout or clicking the paypal check out button on a mobile website. When you want to send your friend money for the concert ticket they bought for you, all you need is their email address or mobile phone number. These mobile Payment Options include protections not available with cash, and are easy to use for consumers who may be more likely to have their phone in their pocket than carry the exact change with them. Some basic questions remained top of mind for consumers when they think about mobile payments. Are they safe . Can i use my phone . This hearing is an opportunity to hear from companies implementing the cuttingedge technologies in mobile payments and how they are addressing these and other concerns raised by consumers. Two of the top security topics that are raised by mobile payments are authentication, how the device knows you have permission to make the payment with the device, and tokenization, protecting your data through the payment process. We all know passwords are difficult. They are difficult to remember. Theyre difficult to keep straight, which is why many people, myself not included, but many people simply use their name for their user name and 1234 as their password. Mobile devices offer some alternatives to the traditional password that add an additional layer of protection for consumers. Authentication is the process that a system uses to verify the identity of a person that wants access to the system. The user name and password is the most typical authentication process used to log into a variety of websites. Mobile devices have changed. Theyve changed how people think about authentication. Fingerprint sensors, cameras, are found in an increasing number of mobile devices. And instead of having to remember a separate password to unlock your phone or tablet, you may be able to use the fingerprint scanner to unlock the device with just a touch. This protects the information on the phone, including access to Payment Options. Another security feature that is regularly brought up in discussions about mobile payments is tokenization. Were all familiar with the tokens you get at the fair or the arcade. Tokens in a mobile Payment System are similar in concept, replacing the value currency or Payment Information with a code that then becomes useless for another transaction if someone were to steal it. As has been the case throughout history, technology has the potential to solve problems and improve our lives. Mobile payments are no exception to that trend. So i look forward this morning to hearing from our witnesses and how theyre leveraging technologies to provide and easy experience for United States consumers as we make our way through this shopping season. I will yield back the balance of my time and recognize the subcommittee Ranking Member, ms. Schakowsky. Five minutes for an opening statement, please. Thank you, mr. Chairman, for holding this hearing and this series of hearings on disrupters. I just learned that my bank i can now make a deposit by taking a picture of the front and back of my check and my bank will take it although it doesnt account for my husbands really bad handwriting and says it cant verify the number i put in is the number he wrote on the check. Thats a problem. But i think this Holiday Shopping season it is very important to hear from our witnesses about this important new technology. We do expect mobile payments to double from today to 2020. One of the Fastest Growing sectors of the u. S. Economy. Mobile payments do facilitate transactions with anyone to a food truck to Farmers Market, taxi driver, parking meter. They have made buying and selling goods and services easier in many ways. But as this technology continues to expand, we definitely need to understand how the payment structure works, security, Consumer Protection vulnerabilities, how to address those issues is the responsibility of our subcommittee. We want to maximize benefits and minimize risks, obviously. Mobile Payment Technologies rely on a number of nontraditional identifiers such as geolocation, purchase preference, phone numbers, email addresses. Those features can enhance protections against payment fraud. However, they can also put consumer at greater risk if they are unprotected or if their use extends beyond managing payments. With regard to Electronic Communications generally, we need to ensure that all of the players engaged in mobile payments, hardware and software developers, businesses, banks, credit unions, and Credit Card Companies are taking reasonable security measures to protect the information that theyre handling. We also need to make sure that consumers know how these payment structures differ from more traditional transactions. Consumers need to know how Consumer Financial liability for these type of payments differs from those made using credit or debit cards. They should also know how mobile payments can be used to cram consumers. Running up bills that they never explicitly approved. As the subcommittee responsible for Consumer Protection, we have an obligation to close those and other existing loopholes that leave consumers more vulnerable. So i look forward to hearing from our witnesses, getting their perspectives on opportunities, challenges, and the way forward with regard to mobile payments. And i yield back my time. The chair recognizes the gentlelady. The chairman recognizes mr. Upton. Five minutes for an opening statement, please. Well, good morning. Today we continue our disrupter series. Weve previously examined the internet of things, the sharing economy, and most recently drones. Today we discuss the growing trend of mobile payments. No matter where folks choose to travel or shop whether it be in michigan, the nation, or even across the globe, their smartphones are ever present, always at the ready, provide direction, daily news, scores, and even make payments. Early estimates show for the First Time Ever more people shopped online than in stores over the thanksgiving holiday. Cyber monday estimates are still being tallied, but were seeing a fundamental shift in how people are buying the goods and services throughout our economy. Consumers have more choices ever before about when and where to shop. These choices open up opportunities for innovations to take root and spread throughout the economy. Weve seen this sort of disruption throughout this series of hearings and mobile payments are certainly no different. They are impacting how the internet of things and the sharing economy develops. The disrupter series remains important as we work to better understand how the industry impacts job creation and our economy as a whole. Mobile Payment Technologies have opened up opportunities for businesses and individuals alike. So businesses small and large can benefit from these disruptions as we have seen with a hardwarelike square, and softwarelike mode which make payments easier for Small Businesses and between friends respectively. These are just two examples in an ecosystem thats bursting with growth as more as more americans get smartphones, tablets, and other mobile devices. New technologies in competition are responding to Consumer Needs. Mobile Payment Innovation is happening all over the country. However, Adoption Across the ecosystem continues to be a challenge that all businesses in this space are working to address. There a lot of facets to the mobile payment space. Im pleased today that were going to learn more about the options that consumers have, particularly how these options can and will continue to improve security for consumers and job creators. I yield the balance of my time to marsha blackburn. Thank you, mr. Chairman. Im so appreciative that were doing this hearing today, and i thank our witnesses. You all are the experts, and we have plenty of questions that were going to have for you. Wireless and mobile devices and quick purchases are changing things. This past weekend my 6yearold grandson got into the app store on my iphone, found something that he wanted to buy, handed me the phone, and said, marsha, you need to pay for this. And of course i did not. But i use this illustration to make a point of the simplicity and also the assumption of our kids and grandkids, that it is going to be at the scan of a screen or a touch of a button or with great ease that youre going to be able to make these purchases on the go, in realtime paid in realtime and with great convenience and security, and security. And that is where much of our focus is going to be, whether its the multifactor authentication or tokenization or what i want to hear from you, the whats next. Where do you think we are going with this . Because convenience, yes. People want security. Theyre going to demand it because they want to be able to protect their virtual presence online, just as theyre able to protect their presence in the brick and mortar relationship with those that theyre choosing to do business with. So i thank you for the time that you are going to spend with us today, your preparation in coming to the committee, and i look forward to your thoughts on whats next. Yield back. Gentlelady yields back. Chair recognizes the gentleman from new jersey, the Ranking Member of the full committee, five minutes, for an opening statement, please. Thank you, chairman burgess. During todays hearing, we will discuss the new ways consumers are paying for goods and services through their mobile devices. At a time when it seems like virtually everything is tied to our smartphones, it should come to no surprise were able to store credit cards electronically, transfer funds directly to our peers and make purchases by simply tapping our phones at the point of sale. These exciting innovations hold promise for consumers. Imagine the convenience of being able to send money instantly to a friend or family member, regardless of location or proximity to an atm. For consumers who forget their credit cards in an outing, a mobile peer to peer payment could be the difference between being squared away and an iou. The ability to store credit cards in your phone may also offer consumers some peace of mind that, in the event of a lost or stolen card their information is stored behind a password, and a physical card is not compromised. Perhaps most encouraging for consumers with limited or no access to a bank, mobile payments can be a welcome alternative for purchasing the goods and services they need. For example, the use of mobile payments has skyrocketed in kenya, where access to banking is quite limited. With all these new products that involve consumers personal information, privacy concerns must be raised. In general, mobile payment apps can access a wealth of personal data through a users smartphone, such as phone numbers, geolocation, and email addresses and detailed purchase histories. Consumers do not know who has access to their information or with whom it is shared. This data may be used in ways the consumer never intended, including by merchants sending unwanted advertising tailored to consumers through their mobile devices. That personal information could also be sold, so consumers location and other private matters are shared with the highest bidder. And thats why Privacy Protection should be baked into these new mobile pay applications. And also important that consumers are ensured secure transactions through a mobile Payment System. As with any mobile device or application, digitally stored or transmitted information is hackable. With major data breaches still fresh in consumers minds, mobile Payment Users will understandably be hesitant about using an app if there is no protection from hackers who may try to inter