iPhone 5 with LTE Technology to come in October
It certainly has been a long time coming—back in October of last year we all thought that we were going to get to see the iPhone 5, but were instead sold an updated version of the 4. The iPhone 4S, while a great phone, will likely be overshadowed by its successor which is now expected to be released in the second half of this year. More specifically, it is expected to come around the fall, either in September of October. This is interesting in itself as all previous iPhone models (except for the 4S) have been released in the summer. It is certainly possible that the 4S marked a new schedule that Apple will be going by in the future for iPhone releases.
So while the release date of the iPhone 5 is certainly exciting and interesting, most of us are going to be looking for what goodies will be coming along with it. At this point a lot of the information surrounding the iPhone 5 is little more than speculation- there is next to zero concrete facts about it, just how Apple likes it. However, there is certainly no shortage of rumors surrounding the phone, with some sounding pretty likely that this point.
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My iPhone (3GS), now nearing its second birthday, has seemed sluggish for a few months. It started around the same time that I installed iOS 5, that latest major update to the mobile operating system. When iOS 5.1 came out a few weeks ago, I wondered whether it would only exacerbate the problem when I installed it. Would the OS update take up even more space on my little phone, making it run even slower?
You don’t need to know much at all about how your iPhone or iPad works, or even how much a gigabyte is, to make your Apple mobile device run faster. Follow these few simple steps, and you’ll be on your way to a cleaner and quicker iPhone or iPad.
5 Tips for Making Your iPhone or iPad Run Faster
1. Check your usage.
Click on the Settings icon. Select General. Select Usage.
At the very top, you’ll see two numbers: GB available and GB used.
You don’t need to understand these numbers deeply. All you need to know for the purpose of making your phone run faster is the percent of free space you have. There are no hard and fast rules, but you probably want your available space to be at least 10 percent, but perhaps as much as 15 or 20 percent. Obviously, if the available space is larger than the used space, you’re in good shape.
Note that when you add the available space and the used space, it won’t add up to the total size of your phone (e.g., a 16GB iPhone will appear to have only about 13.6GB total space) because it doesn’t include the space being used by the operating system.
Select any app, and a new page will break down the usage into two parts: the app and the data and documents stored in the app. For example, my Instapaper app takes up 30.7MB total: 22.9MB for the app (see where it says “app size” on the image) and 7.8MB for documents and data. Sometimes, this information helps you see that it’s not the app but what you store in it that’s eating up space. In the case of my Instapaper app, I’m in the clear. Neither the app nor the data are taking up much space. To delete documents and data when they are taking up too much space, open the app where they’re contained and remove them there, because you can’t delete them from the iPhone or iPad Settings area.
2. Delete apps.
To create more available or free space, you’ll need to delete apps, music, videos, or other data. Here’s how to figure out which ones are worth nixing.
Staying right on the same screen from step no. 1, look through the next section, which shows the apps you have installed and how much space they use. This list automatically sorts by space used, from greatest to least. The apps appear at the top are using the most space. Most of your apps are probably measured in MB rather than GB (1GB=1,024MB).
The app highest on your list is probably either Music or Video. You can’t actually delete those apps, but you can remove some of the music or video files, explained next in step no. 3. But first, take a look at the other apps in the list and decide which ones you’ll delete. Judging them by the amount of space they consume could be more effective than simply thinking about whether you want to keep them.
To delete apps, go to your iPhone or iPad’s homescreen and press and hold any app. All the apps will quiver on screen, and a small black X will appear on the top right corner of the icons for any app that can be deleted. Press the X, and you’ll see a screen asking for confirmation to delete the app. For some apps, you may see a second confirmation screen, warning you that you’ll lose additional information associated with the app, such as data in Game Center. To kiss those apps goodbye, confirm.
When you’re done, just press the home button. Click Next below to continue to the next page.
Article source: http://www.pcmag.com/article2/0,2817,2401354,00.asp
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People will say, “But I have a wallet. I don’t need my phone to be my wallet.” I’d also bet that 10 years ago, they didn’t think they needed their phone to also be a music player, or a gaming device, or a Web surfing device. But now that it is, people can’t live without any of it. Apple and Android have successfully killed the simple cell phone; now, it’s a race to see who can pack the most features into a device that can fit in your pocket.
Apple breaks down the iWallet like this: Credit card transactions happen all the time, whether or not the cardholder is present. There’s a lesser chance of fraud when the cardholder is present, but unfortunately, the cardholder can’t be present all the time. Apple’s solution, the iWallet, aims to provide real-time authorization for transactions where the cardholder is not present, or remote. However, unlike transactions over the Internet, Apple promises its service to be highly secure and reliable.
Since there are so many components to the iWallet, we’re going to break them down and explain each of them.
Credit Card Profiles
When a user visits their profile in iWallet, they will see their available credit cards attached and be able to open up each individual card’s “profile.” Within the profile, users can view their monthly statements, read messages and alerts from the bank, and even adjust preferences or add additional cards. Within preferences, the owners can set payment alerts for days in advance, or let the user know when their balance is approaching the limit.
Parents can be pleased to know that thanks to the iWallet, their children will be able to use their phones as digital credit cards, and thankfully, parents can set the restrictions. Under the parental controls within preferences, parents can set spending limits — either per transaction or overall — and can even restrict which merchants a child can purchase from. It’s all done digitally in the iWallet.
When a child exceeds his or her monetary limit — set by the parent, of course — the transaction can then request an authorization from the parent (via their iPhone), or simply decline the request. It’s extremely easy, and it gives total control to the parent to let them manage their family funds.
If you have a child or teenager that plans on making a lot of purchases, you as a parent may be receiving a LOT of iWallet Authorization Requests. To filter through all of these, Apple gives the cardholder several options, including automatic authorization for all missed requests, or just certain requests under a specific value, or just requests with a specific merchant, like Barnes Noble or Apple.
Flagging Fraudulent Purchases
When a cardholder finds fraudulent activity on their account, it’s always best to contact the authorities right away. Unfortunately, however, most people don’t know their card has been stolen until they receive their monthly billing statements. The iWallet aims to give the user greater awareness of their transactions and facilitate contact with authorities when fradulent activity is suspected or found.
In iWallet, users will have the ability to “flag” any purchase, likely in the same way a user flags an email. When a purchase has been flagged, the cardholder’s bank is immediately notified, and the bank will quickly get in touch with the cardholder to discuss the situation further and offer instructions. While there’s no easy way to prevent theft, iWallet provides a great way to pounce on it as soon as it’s happened and nip it in the bud.
The iTunes Hub
Since users don’t want to handle all of their financial transactions on a tiny 3.5-inch iPhone screen, Apple’s patent involves a new tab in iTunes called “MobilePay,” which lets credit card owners see all of the credit cards in iWallet at a glance. Similar to the iPhone version, users can monitor their statements, bank messages, and recent purchases, and alerts and parental controls can also be set here too.
MobilePay will be an option you can toggle within iTunes once the platform becomes available. When you set up MobilePay, iTunes will ask cardholders to submit their credit card information, including their card number, name, address, and eligibility. At that point, you will be able to “sync” your credit card on iTunes to your iPhone, which will automatically push all of your data to your phone.
A New Mystery Gesture
Apple wants to make its payments platform as safe and secure as possible, so the company has reportedly added another way for users to approve their purchases. Instead of filling out a simple “CAPTCHA,” iWallet will reportedly feature a brand new gesture, known currently only as a “Motion Based Payment Confirmation.” One could only guess what the gesture will be. My money’s on drawing a check mark with your finger.
Other Rumored Features in the iPhone 5
The next-gen iPhone isn’t expected to launch until later this year, but that doesn’t mean we can’t daydream about what’s inside. While little is truly known about the next iPhone, Apple loves to surprise fans with bold new features, and a number of recent reports and granted patents offer hints as to what we’ll see come September or October.
The new iPad released on March 16 was the first iOS device to feature bands for the high-speed 4G LTE network. There aren’t many sure-things when it comes to Apple, but it’s a near-certainty that the next iPhone will similarly receive LTE capabilities.
LTE, or Long-Term Evolution, features significantly higher download and upload speeds compared to 3G technologies, but the current implementations of LTE in phones appear to cause “very short battery life,” which is a “major complaint by users.” If Apple wanted LTE in the iPhone 4S, it would have been forced to increase the phone’s thickness to accommodate a larger circuit board and a bigger battery. Apple CEO Tim Cook, in a company earnings conference call in April 2011, said ”first-generation LTE chipsets force a lot of design compromises.”
“The iPhone 4 PCB [printed circuit board] is already incredibly small, not leaving any room for an extra chip to enable LTE without shrinking the size of the battery,” said Anand Shimpi, a chip expert and CEO of Anandtech.
Fortunately, Qualcomm recently unveiled the fifth iteration of its new chip, which supports TD-SCDMA, TD-LTE, HSPA+, EV-DO, embedded GPS, and LTE on TDD and FDD networks worldwide. The chip works with Android and Windows 8 devices, but by targeting so many different carriers, there’s a high degree of likelihood that this will be the same chip inside the iPhone 5.
New Shape and Form
As of January, Apple was reportedly gearing up to begin production on the iPhone 5. A source from within China’s Foxconn manufacturing plant told 9 to 5 Mac that various sample iPhone 5 prototypes were floating around the floor, but there were a number of common features among the phones, including a display that measured at least 4 inches, and a longer and wider form factor that did not match that of the iPhone 4 or 4S. The sources added that all of the iPhone 5 prototypes retained the rectangular shape of the iPhone 4 and 4S, which would put to bed rumors of a thinner teardrop shape.
When many believed Apple would unveil an iPhone 5 in October, the Internet was flooded with photos of a thin, large-screen iPhone 4. The photos were widely believed to be doctored until one Chinese site discovered “mold engineerings” of an iPhone 4 with a noticeably larger screen. The renderings depicted an edge-to-edge design for the iPhone’s screen, which looked to measure about 3.7 inches. Component industry trackers believed that the images represented Apple’s wish to compete with rival devices with bigger screens.
Even though Apple released the similar-looking iPhone 4S, there’s a possibility that this is what Apple had in mind for the iPhone 5, but without LTE, the iPhone 5 would not go into production anyway.
Patent: Shatter-Proof Glass
Besides the iWallet, the iPhone 5 may also include a number of the company’s recently granted patents. One handy patent for the next iPhone could be Apple’s crack-resistant glass solution, which places a shock mount between the glass and the body of the device that instantly inflates if the device senses it’s falling, which is determined by the device’s internal accelerometer. An actuator within the device then sucks in the cover glass as it accelerates to the ground, thus protecting it from damage.
Patent: Multi-Player Gaming
On March 15, the U.S. Patent and Trademark Office (PTO) published a patent application from Apple that describes a system for multi-player gaming. Similar to how the new Garageband’s “Jam Session” feature allows groups of people to play different musical instruments together, the multiplayer gaming technology will allow groups of iPhone and iDevice users to play together, and even see the same game from different perspectives.
Believe it or not, the multiplayer game system mimics that of the “Find My Friends” app, in which a user’s device detects other nearby devices that it recognizes as “friends,” and invites them to all join a common application. The unique technology also determines the relative position of those devices, so some games — like turn-based role-playing games or card games — can be played in a specific order.
The crux of Apple’s solution determines the relative position of many devices by taking pictures of a tag, and the system monitors those shared images and decides their relative positions. Apple’s technology can define a position in two or three dimensions relative to the original tag, and by transmitting a positioning matrix to the other iDevices, the information creates a comprehensive map of the devices.
Once the order is set, the users can cooperate and play with each one another as content is simultaneously broadcasted and received on the iPhone. This can work for multiple players playing the same displayed content (ex: a racing game), or multiple users playing against each other in a game (ex: a hand-to-hand fighting game like “Mortal Kombat”), or multiple users taking turns to play the game (like a board game or “Jenga”). Virtual avatars even represent one’s position by displaying the avatar from a different perspective depending on the position of the player relative to the tag.
Patent: The Photographer’s Timer
Apple continues to improve upon the camera infrastructure in its iPhones, but as far as camera software goes, the iPhone has remained largely unchanged. That will change if the iPhone 5 includes the patent for a new iDevice self-timer, granted on March 8, which comes with a unique twist.
Traditionally, self-timing cameras are used to take pictures of a big group, or a self-portrait. But in Apple’s self-timer, the camera will know that you are the “photographer” that also wants to be in the picture, and the iPhone will simply wait until it detects your face to take the picture.
“But what about interruptions? What happens if I get a call after I set the self-timer?” Wonder no more. If you set the timer and then your phone goes off, the timer will still wait until it has detected, recognized and verified that you are the photographer and that you’re in place for the photo.
Now if only Apple patented a tripod…
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2011 was huge for Samsung. 2012 needs to be even bigger. Last year, Samsung showed the mobile world that they could produce world-class handsets and a proper ecosystem within the confines of Android. But now, in 2012, Samsung needs to demonstrate that they have staying power. And if several recent Samsung Galaxy S III leaks are believed, the Korean company should not have any problem standing tall against Apple and the rest. This phone looks hot.
The first leak (below) appeared over the weekend. A tall phone, rounded corners, a combination of hardware and capacitive buttons and impossibly thin. The image (rendering?) seemed to come from Weber Shandwick, a PR firm known to work with Samsung. The images show a phone running a TouchWiz-ified version of Ice Cream Sandwich. The images do not confirm any of the rumored hardware specs like a 1080p display or quad-core CPU, but it’s easy to look at the pics and see the casing being made out of ceramic like the rumors state.
Today’s image is more of the same. In fact it is the same besides a slightly different ICS skin. It looks like a press image. The design line up with the previous leak, somewhat confirming that this is, in fact, the Samsung Galaxy S III.
All will be confirmed in the coming months. Samsung is rumored to launch the phone in April or May while outing more versions of the phone throughout the remainder of the year including a Note and high-resolution camera version. The Galaxy S II was a blockbuster hit last year. Can lightning strike twice? I believe so.
- SAMSUNG ELECTRONICS
Samsung is one of the largest super-multinational companies in the world. It’s possibly best known for it’s subsidiary, Samsung Electronics, the largest electronics company in the world.
Article source: http://techcrunch.com/2012/03/21/please-be-real/
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Apple is planning to create a smaller SIM card for its future devices including the next iPad and the new iPhone, according to a recent report from the Financial Times.
The company hopes to gain an advantage over other smartphone makers by being the first to shrink down the size of the component.
MacRumors first reported that Apple submitted a proposal for a standardized SIM card design smaller than the micro-SIM that is currently used in the iPhone 4S and iPad back in May of 2011. This new SIM would allow the company to create smaller and thinner devices.
Motorola, Research in Motion and Nokia are also trying to create these “nano-SIM” cards.
“Micro-SIMs are already common in the latest generation of smart devices, such as Apple’s iPhone 4S and Nokia’s Lumia,” read the report. “The nano-SIM is thinner and about a third smaller than the micro-SIM, and would allow more space for other functions.”
Apple’s plans are currently being supported by “most of the European operators,” according to MacRumors. The company has used some controversial tactics in order to gain more votes in the final decision for the proposal.
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Apple currently uses a “drawer” in its devices such as the iPhone 4S and iPad to protect the SIM. Nokia objects to the idea of the drawer to protect these new nano-SIM cards.
Apple is expected to launch a new iPhone in the coming months so it could be speeding up the process so the device will feature one of these shrunken down SIM cards.
The new iPhone is rumored to have a larger display and a thinner frame than the iPhone 4/4S that has a much thicker design that most of the current Android powered devices such as the Motorola Droid Razr and Samsung Galaxy S2.
iPhone 5: Which 10 New iPad Features It Should Include
Page 1 of 2 )
Apple’s new iPad hasn’t even
been on store shelves for a week and the company is already claiming sales of 3
million units. While consumers flock to “the tablet formerly known as iPad 3,”
the rest of the media rumor mill has already moved on to speculating about the
next big thing from Apple: iPhone 5.
Of course, based on recent
experience, there’s no reason to think iPhone 5 is actually what Apple will
call its next smartphone. Whatever the name, there are a host of features in
the new iPad that would easily make the next iPhone more appealing than its
4G Long-Term Evolution (LTE)
connectivity is chief among these, of course. The high-speed wireless
communications protocol is available in the United States from ATT and
Verizon. Other nifty features of the new iPad: The advanced processor offered
by the new iPad, as well as the vastly improved new Retina Display. These are
among the top 10 features we’d like to see in the new iPhone.
1. 4G LTE
iPhone 4S lacks 4G LTE
wireless connectivity—as does all its iPhone predecessors. In January 2011,
Apple expressed reservations about accommodating the 4G LTE antenna in a small
form factor such as the iPhone. However, a lot has changed since then. Not only
has 4G LTE made its way to Apple’s new iPad, but Verizon and ATT have been
rapidly expanding the reach of their high-speed networks. The improved download
speeds offered by the next-gen wireless network, combined with the iPad’s
powerful new processor, results in what Wall Street Journal critic Walter Mossberg describes as a “buttery
smooth” user experience. One can only assume that Apple will fast-track to
resolve any antenna challenges so it can bring 4G to its next iPhone.
2. A5X processor
Although Apple has been
rumored to be working on the quad-core A6 processor, the company didn’t deliver
that in the new iPad. Apple has typically introduced its next-gen iPhone
processors in the iPad first. While the A5X doesn’t have a direct impact on
apps that are dependent on the Internet, activities that are
processor-driven are noticeably faster.
3. Aluminum back
Years ago, Apple offered an
iPhone that came with an aluminum back. Later versions have offered a mostly
glass finish. Given how well-received the new iPad’s design has been so far, an
aluminum backing could make a nice differentiator for the next iPhone.
4. Improved Display
Although Apple stuck with
the 9.7-inch display size for its new iPad, its new Retina Display features
four times more pixels than the iPad 2. While we’d
like to see the next iPhone offer a display that’s larger than the current
3.5-inch option, equally important is the crisp resolution that the Retina
Display can offer.
Sprint shares dropped 5 percent today after a financial analyst estimated that the carrier faces an increasing risk of bankruptcy. In a research note on Monday, Bernstein Research analyst Craig Moffett cited a “possible bankruptcy” as a “very legitimate risk” for current shareholders. “To be clear, we are not predicting a Sprint bankruptcy,” Moffett wrote, as quoted by Forbes. “We are merely acknowledging that it is a very legitimate risk. And notwithstanding a recent rally in Sprint shares, we believe that risk is rising.” Following the release of the report, Sprint shares dropped 13 cents, or 4.5 percent, to $2.76 Monday morning on the New York Stock Exchange. Moffett sees two scenarios that could happen this year. “In the first, the company successfully navigates its complicated Network Vision upgrade, stabilizes Clearwire’s financial position, and delivers a compelling 4G product. In the second, some combination of its gargantuan take-or-pay contract with Apple, a hobbled 4G offering, and a stupendous debt burden bring the company to its knees.” The analyst believes that the situation could worsen in the fall when Apple plans to release an LTE iPhone 5 since the carrier is not yet equipped to support the network. “We believe an LTE iPhone will likely be badly disadvantaged on Sprint’s network, potentially impairing sales … at a time when Sprint is subject to a punishing take-or-pay deal with Apple,” Moffett wrote. “The problem is 4G. Sprint doesn’t have enough free-and-clear spectrum on which to launch a competitive LTE network, and it doesn’t have the money to clear spectrum that’s already in use. We expect Sprint’s competitiveness to begin to backslide when LTE becomes the nation’s de facto standard.” Sprint’s rivals ATT and Verizon Wireless already offer support for the technology, which could prompt a “crisis” for the carrier as the company has committed to purchasing iPhones in a $15 billion contract from Apple.
Sprint shares dropped 5 percent today after a financial analyst estimated that the carrier faces an increasing risk of bankruptcy.
In a research note on Monday, Bernstein Research analyst Craig Moffett cited a “possible bankruptcy” as a “very legitimate risk” for current shareholders.
“To be clear, we are not predicting a Sprint bankruptcy,” Moffett wrote, as quoted by Forbes. “We are merely acknowledging that it is a very legitimate risk. And notwithstanding a recent rally in Sprint shares, we believe that risk is rising.”
Following the release of the report, Sprint shares dropped 13 cents, or 4.5 percent, to $2.76 Monday morning on the New York Stock Exchange.
Moffett sees two scenarios that could happen this year.
“In the first, the company successfully navigates its complicated Network Vision upgrade, stabilizes Clearwire’s financial position, and delivers a compelling 4G product. In the second, some combination of its gargantuan take-or-pay contract with Apple, a hobbled 4G offering, and a stupendous debt burden bring the company to its knees.”
The analyst believes that the situation could worsen in the fall when Apple plans to release an LTE iPhone 5 since the carrier is not yet equipped to support the network.
“We believe an LTE iPhone will likely be badly disadvantaged on Sprint’s network, potentially impairing sales … at a time when Sprint is subject to a punishing take-or-pay deal with Apple,” Moffett wrote.
“The problem is 4G. Sprint doesn’t have enough free-and-clear spectrum on which to launch a competitive LTE network, and it doesn’t have the money to clear spectrum that’s already in use. We expect Sprint’s competitiveness to begin to backslide when LTE becomes the nation’s de facto standard.”
Sprint’s rivals ATT and Verizon Wireless already offer support for the technology, which could prompt a “crisis” for the carrier as the company has committed to purchasing iPhones in a $15 billion contract from Apple.
From “overheating” to LTE. Why analysts are still talking about the iPhone 5 and its much-rumored release date?
According to Apple’s latest press release, it has sold a shy 3 million iPad 3 tablet computers worldwide within the first four days on the store shelves. Apparently, the iPad 3 is now the most popular tablet PC in the world based on market growth and coverage — and it cemented Apple’s position in the tablet PC market.
Apple’s Phil Schiller said customers love the new features of the iPad 3, with the special mention of the Retina display with pixel density of 264. In exchange though, the iPad 3 is slightly thicker, slightly heavier and emits higher temperature arguably due to larger battery and the new CPU called A5X.
Here’s the quote from Apple’s press release:
“The new iPad is a blockbuster with three million sold―the strongest iPad launch yet,” said Philip Schiller, Apple’s senior vice president of Worldwide Marketing. “Customers are loving the incredible new features of iPad, including the stunning Retina display, and we can’t wait to get it into the hands of even more customers around the world this Friday.”
Based on the tech specs of the new iPad, it is highly possible that the next iPhone will also introduce a “new screen,” possibly maintaining Retina on the larger screen, and also a bigger battery that will support the popular battery life of the Apple iPhone. If so, then the 2012 iPhone might also face the “same problems” reportedly plaguing the new tablet PC of Apple. Last year, the iPad 2 and the iPhone 4S offer the same CPU and same-old features like lack of 4G (though the iPad 2 introduced a redesign).
According to customers, the iPad 3 overheats, has an increased “full charging” time, and shorter battery life. It is worth noting that the last “problem” that I mentioned is not widespread and might be related to customers’ activities (and excitement over the new device that will fade gradually).
One iPad 3 customer revealed:
My battery drains pretty fast, too, just doing regular stuff. Almost as fast as my iPhone 4 when I use it heavily. I haven’t done much.
I asked the Apple Store worker about that, and she told me that I need to let it get down to the battery warning, then fully charge it a few times. She said the battery needs to get used to being charged. Sounds pretty crazy to me, but, that’s what she said.
If Apple will increase the size of the iPhone this year, then it is possible that it will also increase the phone’s battery, from the current 1420 mAh Li-Polymer battery that allows up to 7 hours of talk time on 3G or up to 14 hours on 2G, to possibly higher than 1520 mAh that will support the larger screen, the 4G LTE connectivity which consumes more juice and the improved system-on-a-chip A5X.
If customers are buying the iPad 3 due to its new screen and LTE features, then the iPhone 5, arguably, is on the verge of setting its own stellar record too, and analysts are echoing the same scenario this year.
One of them, Maynard Um of UBS, said that the biggest growth of Apple this year will be provided by the iPhone 5, and apparently, he thinks that the sales of the upcoming iPhone will beat the iPad 3′s record-breaking numbers.
We expect Apple to launch its redesigned iPhone 5 in October expect the company to accelerate the number of initial carriers it sells into to drive its biggest launch ever.
According to rumors, the iPhone 5 might get a June or October release date, after the rumored release of the new MacBook Air and Pro models (still according to rumors, just saying).
Apple’s Patent Background
Apple begins their background of their patent by stating that card purchases, such as via credit cards, debit cards, gift cards, and the like, may often be made in person or remotely. For example, an in-person transaction may involve handing a card to a store clerk or swiping a card through a point-of-sale system. In-person transactions may be facilitated by an identity verification process, such as, for example, showing the store clerk a picture identification, signing a receipt, and/or entering a personal identification number.
Cardholder-present transactions rely upon several security mechanisms to deter fraud, including a physical card with raised numbers, holographic images, signature line, card verification values embedded within the payment card’s magnetic stripe, and/or various information protection mechanisms embedded into integrated circuits.
In contrast, remote transactions may occur without identity verification or physical fraud deterrents found in modern payment cards. For example, a consumer may purchase an item online or via the telephone without presenting a physical card to the vendor. These transactions may be known as cardholder-not-present, card-not-present, or customer-not-present transactions because the customer and card are not present at the point of sale. Cardholder-not-present transactions may be more susceptible to fraudulent abuse than traditional in-person transactions because the purchaser’s identity is not verified. That is, the purchaser may be required to enter the card number and a security number located on the card; however, this information may be easily copied off of a card and used in a fraudulent manner. In addition, although a billing address may be requested and compared to the billing address associated with a card, goods may be shipped to addresses other than the billing address.
Accordingly, a card owner may not realize that a fraudulent cardholder-not-present transaction has occurred until a billing statement is received. It is generally preferable to detect the fraudulent activity as soon as possible so that additional use of the card may be prevented. It stands to reason, and widely publicized studies corroborate the fact, that losses can be more easily recouped when the fraud is timely discovered. While a consumer may be at least partially protected from liability when fraud has occurred, the issuing bank, acquiring bank, or merchant may bear the loss if goods have been sent to an unauthorized card user.
These costs are passed on to the consumer in the form of higher prices on goods and services, higher banking fees, and higher interest rates. In addition, even if the consumer is ultimately not held responsible for unauthorized charges, it may still be very time-consuming and frustrating to have the charges reversed. For many consumers, the theft of one’s financial identity has a demoralizing psychological affect. Therefore, it may be desirable to reduce the possibility of fraud in cardholder-not-present transactions.
Apple’s Solution: Real-Time Authorization of Cardholder-Not Present Transactions
Apple’s invention covers an electronic device that will be able to deliver real-time authorization of cardholder-not-present transactions. The electronic device may be a handheld device, such as an iPhone or iPod touch, or it may be a computer such as an iMac or MacBook Pro. Regardless of the form the electronic device takes, the device may run an application enabling a cardholder to approve or decline cardholder-not-present transactions in real time, near real-time, or after the transaction is initially authorized or settled. That is, in addition to a card transaction being sent to an issuing bank for approval, details of the transaction may be sent to the cardholder for approval before the transaction is authorized. If the cardholder doesn’t recognize the transaction, it may be declined immediately, thereby preventing the cardholder and the merchant from becoming victims of identity theft.
Providing iWallet Holders Automatic Approval Options
Additionally, if the cardholder does not respond to an authorization request in real-time (i.e., within a short period of time), the authorization request may be responded to automatically based on customizable settings configured by the cardholder. For example, the cardholder may enable automatic approval of all missed authorizations. In another example, the cardholder may enable automatic approval of only transactions below a certain value and/or with certain merchants. Many automatic response settings may be available, and the cardholder may be able to combine the settings, for example, so that transactions up to a first value are automatically approved at a first merchant, while transactions up to a second value different from the first value are automatically approved at the second merchant.
Providing iWallet Holders with Flagging Options
Further, even after an authorization response has been sent to the issuing bank or credit card association (e.g., Visa, MasterCard, American Express, and so forth), the cardholder may flag an approved transaction as unauthorized. In this way, the cardholder may quickly notify the issuing bank, the credit card association, the acquiring bank, and/or the merchant that a previously approved transaction is fraudulent. If the merchant has not yet shipped goods purchased in the transaction, the merchant may cancel the flagged transaction, thereby avoiding a potentially costly loss. The issuing bank, once notified of the fraudulent activity, may choose to contact the cardholder to determine whether the card should be cancelled to prevent potential further fraud. In other embodiments, the payment application may display the issuing bank’s customer service phone number to expedite the process of resolving the fraud and preventing further misuse of the cardholder’s account information.
This functionality may be combined with parental controls, enabling parents to provide children with credit, debit, or prepaid cards, while allowing unauthorized or inappropriate charges to be identified and declined before goods are shipped or services rendered. Parental Controls was covered in our March 6, 2011 report.
A New Hand Gesture for Related to Payment Confirmation
This cardholder-not-present authorization functionality may also be combined with a distinctive gesture, such as a reverse swipe of a virtual control on a touchscreen and/or acceptance of a modal confirmation dialog, to reduce the possibility of a transaction being accidentally declined and/or to reasonably ensure that the end user understands and accepts that he or she is declining a fraudulent financial transaction or authorizing a legitimate transaction. The gesture is referred to as a Motion Based Payment Confirmation.
NFC Enabled iOS OS X Devices Required
Apple’s patent figures are noted below as follows: FIG. 2 is a front view of an iPhone that may incorporate Near Field Communication (NFC) technology as noted with the large “N” in the top left corner. The iPhone has an eWallet or iWallet application as noted by the icon on the iPhone’s Home Screen; FIG. 3 is a front view of an iMac that includes NFC technology as shown at the bottom right corner. NFC or an equivalent will be required for the iWallet to function.
Patent FIG. 4 noted above is a schematic diagram of participants in a cardholder-not-present financial transaction.
Apple Introduces MobilePay Interface for iTunes
Apple’s Patent FIGS. 5-7 shown below are screenshots of an application for registering a card for cardholder-not-present authorization; an application that is identified as being “MobilePay.”
Apple’s patent FIG. 8 shown below is a screen shot of an application for remote authorization of cardholder-not-present transactions; FIGS. 9-13 are screen shots of the application of FIG. 8 illustrating exemplary settings for remote authorization of cardholder-not-present transactions.
Apple’s patent FIGS. 14-16 shown above are screenshots of an application for remote authorization of cardholder-not-present transactions; FIGS. 17 and 18 are screen shots of the application of FIGS. 14-16 illustrating flagging of automatically approved cardholder-not-present transactions.
Apple’s patent FIG. 19 shown above is a screen shot of the application of FIGS. 14-18 illustrating line item details of a transaction in accordance with aspects of the present disclosure.
Apple’s patent application was originally filed in Q1 2009 by inventors Brandon Casey, Gary Wipfler and Erik Cressall.
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