Best way to organize my vision :
Maybe a diagram with different components drawn out?  Like a map?
Outline in the form of a timeline?
Critical components with links?
Scenarios 

Right now I'm thinking that the mobile handset is the key.  I believe this because it's something we already bring with us wherever we go.  It will soon replace our wallets.  And eventually our keys.  As such, it makes a great way to model our behavior, something I believe is key to helping us access resources we want and need most - even if we're not aware of the existence of these resources (why recommendations from Virtual Agents will be key, and will replace conventional advertising).

 As I outline this stuff I'm thinking of different ways to organize the components to create a clear, coherent vision others will be able to understand.  For the time being, bear with me while I dump everything here to be organized later.

Key Components:

 *Ultimate Mobile Handset (the connector)

*Sun Ray-like technology that allows us to keep our 'sessions'

*Liberty Enabled-like POS/payment/transaction infrastructure to ensure secure and anonymous transactions/interactions

*Network of advertisers who embrace the new mobile medium and who cooperate with industry and consumers

*Institution that acts as Data Bank (like regular bank, but for our data, too)

*Consumer electronics makers who understand the importance of making their devices compatible with a mobile platform that connects (probably literally) everything 

 SCENARIO: Visa capitalizes on mobile wallet

*Visa teams up with DP and LA    
*Visa, DP and LA create the ultimate mobile handests
-smart phones/PDA
-digital multi-media players
-GPS
-wireless connectivity (bluetooth, wireless, etc...)
-full Internet (iPhone-like) capabilities
-full presence capabilities+
-interactivity with (awareness of) other electronic devices+
-etc.

+applications use presence:
-to communicate with other consumer devices
-to communicate with other electronic devices (like: in-store interactive advertising, billboards, street signs, cash registers/POS technology, etc.)
-to deliver relevant information (i.e. advice and advertising)
-to leran about the behavior of the user and to model the behavior of the user for use of delivery of relevant information

+interactivity with other devices like:
-TV
~handset becomes remote contorl
~records user's TV preferences for behavioral model
~presence learns things like which TVs the user prefers for certain material, times of day, etc.
-car
~handset takes preferences from elsewhere and brings them to the car (i.e. music, news/content)
~presence allows communication settings to be altered and via buddy-list communicates with others so they know user is in the car (maybe call at another time?)
-computer (laptop/desktop)
~handset brings preferences to computer or related computing device (i.e. Sun Microsystems Sun Ray)

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method of payment will shift over to mobile phone. 

3 things we never leave the house without are -

1. mobile phone
2. wallet
3. keys

the mobile phone is already starting to replace the wallet in some areas.  CC companies have explored with lots of different methods of payments.  even fobs.  i think fobs are a bad idea because one can incorporate the same/similar functionality into a handset.  and when you incorporate this capability into a handset you also get access to a wealth of other information about the user.

the handset will also eventually replace our keys, too.  many buildings require smartcards for entry.  the smartcard technology can easily be put into a handset.  this is less important to our overall discussion, but it just goes to show how vital the mobile is in this equation.  the mobile has the power to do virtually everything, so focus (within the consumer electronics industries) is going to shift over to the mobile.  all other consumer electronics are going to be dumb.  the mobile will be the brains behind everything and will be the connecting link to everything.  there will be very little money in everything else, but it will still be important to do things other than the mobile.

but for now it makes sense to focus on incorporating payment and transaction processing technology into the mobile phone with vigor.  to entice users these phones can be given away for free.  give the users free phones (think: better than an iPhone - everyone will like free), free plans, and so on.

if you want it to this can sound complicated.  ask questions like - who's gonna pay the carriers for the plans?  who's gonna pay for the phones?  what happens if the phone gets lost?  how will the companies who give away these phones etc etc etc

but the short of it is that by giving away these phones and incorporating all of this sweet technology into them you can bring advertisers closer to the customers.  do it in a way that the customers appreciate and trust and you have a very powerful bond.

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visa, LA and DP team up on this concept.

LA works on a lot of the infrastructure behind the scenes - POS technology, etc...

DP means that user data flows seamlessly from one merchant, service, application, device, etc, to another, and back.

visa is like the data bank.  visa facilitates transactions, stores all of the data (like in a bank vault), manages relationships between user and merchants, marketers & advertisers, service providers, applications, devices, etc.

=====================

**need to discuss the role of online social networks at some point**
-online social networks become less of a destination on the Web/Internet and more of an enabler. 
-online social networks start to become invisible.  they really shouldn't be so visible, anyway.  they should be something that exists and connects people to what they want, but the whole experience should be intuitive and as easy as striking up a conversation with someone at a cafe.  when you sit down you can talk about and do anything you want.  but as soon as you get up to leave and go somewhere else your life resumes and your perception remains centered on your immediate surroundings and whatever it is that happens to be on your mind at that given time.
-social networks relinquish the role of destination to company like visa (data bank) because of user preference
--users prefer to be safe, use data bank to facilitate relationship with sonet.
--maybe visa will create their own social network that does everything that a facebook/myspace/linkedin does because i can totally see fb/ms/li fighting this trend.  since there is still very small global adoption/saturation this is feasible.  when/if visa gives away handsets, the handsets can be the tie-in to the sonet.  by having a visa handset you are a part of the sonet.  you will be able to find your friends on the visa sonet the same/similar ways you do it on other sonets.  and visa will focus on making this sonet as good as it needs to be to lessen the dominance of traditional sonets, but they will still encourage development of other sonets and participation from other sonets because visa will want to focus more on it's core competency which is facilitating transactions and keeping data safe.  it is just a move that might need to happen to get the ball rolling into visa's court (i.e. to get other sonets to participate in the data bank scheme).

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*combine sun ray-like technology with mobile phone
*mobile phone connects with CPUs, kiosks, TVs, other consumer electronics
*if other consumer electronics aren't connected to the Internet, mobile phone facilitates connection
**otherwise mobile phone (and sun ray) is used to authenticate identity and shares data

*sun ray-like technology and mobile phone authentication enable user to surf Internet with user profile connected to data bank
*user doesn't need to use logins or passwords
*user chooses which data to use and which data to share

MODEL FOR PERSONAL FINANCE
*mobile phone is used to make payments and syncs with bank account(s)
*payment information is categorized and can be customized for budgeting and taxes
*initial target market - enterprise corporate clients and SMEs.