Apple in Talks with UK Banks to Launch Apple Pay

According to recent reports, The Telegraph, top banks all over UK are presently negotiating with Apple, for the launch of Apple Pay during the first half of 2015. Sources have disclosed that the major banks have called for privacy concerns over personal and financial information of users but have admitted that they are positive with regards to the impact the service has made in the United States.

The bank is not comfortable with the amount of personal and financial information of the customers, that Apple collects and some executive are apprehensive that Apple Pay and the data it delivers to Apple could serve as a cause for an invasion of the banking industry.

This information comes in after Apple had posted a job listing for Apple Pay Intern somewhere early this month which indicated that the company is striving to work hard in the expansion of its payment service across Africa, Europe, India and Middle East.

In September, Visa had also stated that it would be working with Apple to roll out Apple Pay across Europe in 2015 while e-commerce giant Alibaba has also been negotiating with Apple over a partnership which would bring about the service to China

Established Near Field Communication Technology

According to The Telegraph, Apple has hopes of launching Apple Pay in the first half of 2015 where negotiations are reported to be tricky, as at least one of Britain’s major banks has been reluctant to share too much information with Apple to launch its tap to pay service.

Apple Pay had already been launched off in the U.S., in October and had become the largest NFC based mobile payment service in the market where various competitors had already been established and in November, Apple Pay was accounted for 1% of all digital payment dollars. Apple Pay has seen adoption at various popular retailers and restaurants in the U.S. which include McDonalds, Macy’s Subway, Walgreens, Whole Foods, Nike to mention a few.

Presently Apple Pay depends on established near field communication technology and users have found that they can use the capability at some NFC terminals internationally though the tap to pay functions present in the iPhone 6 and iPhone 6 Plus operates only if the device is set up properly with American credit cards.

Compatible with Global Systems

Presently Apple Pay is limited to the U.S. though the job listings in Europe and China indicate an international rollout is in progress and Apple has not disclosed any specific launch for international availability.The fact is that Apple Pay has already been compatible with global systems indicating that the international roll out of Apple’s mobile payment service is not affected by technology or point of sale systems.

On the contrary, Apple should forge agreement with credit card issuers and banks ensuring compatibility all across the globe. Sources have accepted that no major bank would want to miss out on Apple Pay though early indications from the United States show that it may be the service to ultimately convince the consumers to pay with their mobile phones.

Apple’s Patent – `Communicating Stylus’

The U.S. Patent and Trademark Office, recently has granted Apple, a patent for `communicating stylus’, which would capture digital copies of handwritten notes as well as drawings from a variety of surfaces from paper to a whiteboard. Apple’s smart pen patent had first being filed for in January 2010 with credits to Aleksandar Pance as its inventor.

According to the patent, it would outline a smart writing feature which utilises accelerometers, wireless communication hardware and on-board storage for transferring handwritten notes and drawing from the stylus on to the digital device display.Several companies have developed these kinds of products the most relevant one being Livescribe’s smartpen and few boast on the complete complement of advanced technology by Apple’s design.

For instance, Livescribe 3 utilises an infrared camera which is located in its tip in order to capture handwriting and is then stored on-board or offloaded through Bluetooth wherein the process needs specialized paper, with a large chassis together with generous amount of power. The stylus could be configured to send movement data after the data has been collected at predefined intervals or continuously based on the users’ requirements, while another option is by sending out stylus data to various devices, as meeting notes.

Efficient Accelerometers/Motion Sensing Hardware

Apple’s stylus is featured on efficient accelerometers or other motion sensing hardware where the pen get activated only when it is picked up and its nib is pressed to the paper, withdrawn from a dock or manually turned on by the user. Thereafter the on-board sensors tend to track position changes with regards to an initial zero point enabling the device to transmit real-time data for translation as well as graphical representation on the screen of an iOS device.

It may be noted that Apple’s invention has the capabilities of being fitted with several accelerometers to measure movement in three dimension which produces accurate digital copy of stylus motion at any given angle irrespective of it being on a desk, wall or in the air. In other instances, it may not call for instant playback like taking notes, wherein in this case, the stylus could save movement data on-board or conduct burst transmission in order to save on energy. Apple had indicated that user could transmit data to a computing device which could remain in a bag or a pocket and could be a solution in saving digital backup of physical notes.

Embodiments with Alternative

Embodiments with alternative, comprises of several transmitter as well as receiver configurations for area triangulation, embedded magnetometers for collecting orientation data and several nib layouts to write with ink, graphite as well as other materials. Another thing to note is a capacitive version which could be used as a tradition iPad stylus.

As in the case of other Apple Patents with regards to styli, the idea of actually making one to the production level is slim taking into consideration the great efforts taken in multi-touch interface and to build a `communicating stylus, is made available if Apple intends to build such a device. Most of the hardware that is mentioned in the patent has been used in the prevailing generation iPhones as well as the iPads.

Apple’s iCloud Photo Library

With Apple’s announcement of discontinuing Aperture and iPhoto for Mac, the iCloud Photo Library stores which was first introduced during WWDC, for photos and videos that a user takes in iCloud, will be available on iPhone, iPad, iPod touch as well as Macs through iCloud.com. iCloudPhoto Library beta is made available with iOS 8.1, a new iCloud Photos app, available to all users within iCloud.com.

This will function with the Photos app which Apple is developing for Mac and is probably expected to come in early this coming year. Till iCloud Photo Library comes out of beta with proper OS X counterpart, next year, the prevailing photo experience on iOS as well as the Mac would be confusing and users have the liberty of turning on iCloud Photo Library – Beta, though they also have the option to keep Photo Stream which is likely to disappear at some point of time somewhere next year.

Should the user opt to leave iCloud Photo Library off, the old Photo Stream paradigm would stay in place which will save the last 30 days of photos to the cloud or atleast the last 1000 pictures, whichever would be more, that may not have been counted against iCloud storage and Photo Stream may have not saved videos.

Photo Stream – Compatibility on all Devices

The advantage of Photo Stream is its compatibility on all devices which includes Mac and any new photo that may have been taken on iPhone or iPad, would show up in the Photo Stream in iPhoto, Aperture or any other IOS devices that are associated with the account.

 Its limit is 1000 photo/30 day though if one remembers to open iPhoto and enable Photo Stream syncing;all the photos tend to get saved on the Mac and not just the previous 30 days. The present form of iCloud Photo Library would save all the photos as well as the videos to the cloud and is limited only by the current available iCloud storage.

Photos would tend to sync between the iOS device such as Photo Stream though will not show up in iPhoto or Aperture on the Mac and users could access their iCloud Photo library through the web and upload photos from the web interface. To enable iCloud Photo library, users could go to the Settings app on the iOS device and opt for iCloud and then tap on the Photos section beneath the iCloud Drive in the list.

Full Quality of Photo Saved to the Cloud/Device

Before enabling iCloud Photo Library, note that it is presently a beta product. Then move the top slider, enable iCloud Photo, which will update the photo library on the device thatwill take a few minutes. When the same in enabled, users could choose to have the full quality photo saved to the cloud as well as an optimized version kept on the device for preservation of space.

Should one continue to use Photo Stream on a Mac, enable `Upload to My Photo Stream’, on the menu and the Photo Stream can be viewed on the device though it will be available in iPhoto and Aperture on Mac. Once iCloud Photo Library is enabled, the Photos app on iOS device will tend to appear in a different manner.

Which is the right iPhone model for me?

With millions of proud owners around the world, the iPhone is one of the most widely used smartphones on the market. Over 20 versions of the phone have been released since its initial introduction, and the most current models available, the iPhone 6 and 6+, both bring a slightly different set of features to the table. Although the iPhone 6+ may be the absolute best device Apple has to offer, the iPhone 6 is an extremely capable device as well and may be the perfect solution for some users.

iPhone 6

The iPhone 6 claims 14 hours of talk time along with 10 hours of music, making a single daily charge all a user needs for a typical day’s adventures. It also has a camera designed to function better in low light with improved auto focus and facial detection, so users largely satisfied with what the iPhone 5 or a similar device has to offer but looking for a superior camera will find an ideal answer in the iPhone 6.

The most talked-about difference in the iPhone 6 is the improved screen, which upgrades from the old 4.0in display to a 4.7in display delivering 326 pixels per square inch. The iPhone 6 is both slimmer and lighter than the previous version and includes enhanced 4G LTE support, making it an outstanding choice for those who want to keep things as similar as possible while still having access to all the current generation iPhone features such as Hey Siri and Apple Pay.You can grab an iPhone at iiNet, check out their site & read about their plans.

iPhone 6+

The iPhone 6+ adds even more features to the already ample package provided by the iPhone 6, making it the undisputed choice among users looking for the best from the manufacturer. The 4.7 inch screen of the iPhone 6 is replaced with an enormous 5.5 inch display capable of 401 pixels per square inch for images and video unrivaled in sharpness. This makes the iPhone 6+ an easy choice for those who enjoy videos or games on their devices regularly.

The biggest question concerning whether the iPhone 6 is right for an individual user concerns the size of the device itself. The larger screen and higher capacity battery create an unusually large smartphone, making it somewhat difficult to handle for some and inconvenient to store in many pockets. The large size of the battery does bring the benefit of 24 hours’ talk time and over 12 hours of Internet browsing, the fact that the device is simply much larger than other phones may make it unsuitable for some users.

Apple has gone to great lengths to ensure that there is a current generation iPhone for virtually everyone, and have done just that with the iPhone 6 and 6+. Those looking for the latest in iOS convenience and utility in an approachable form factor will probably prefer the iPhone 6, but for the ultimate in mobile entertainment, the iPhone 6+ is tough to beat.

Apple’s First Automatic Security Update

Apple has gone ahead with its first automatic security update for OS X to handle newly identified bugs which researchers have warned would enable hackers to control devices remotely. According to Apple spokesman, Bill Evans, the company has developed the software fix to deal with critical security issues which could affect Unix-based system including OS X and the issue was with the NTP – network time protocol, which is used to synchronize computer system clocks.

The bug was revealed to the public in security bulletins late last week, by the Department of Homeland Security and the Carnegie Mellon University Software Engineering Institute. Dozens of technology companies which includes Apple and whose products could be vulnerable were identified by Carnegie Mellon.

Apple had earlier, released security patches through its regular software update system which usually needs the user’s approval and introduced the technology to deliver the automatic security updates couple of years back though it had not been used till date.

Reuters was informed by a company spokesperson that it had made a decision in using the technology in order to protect the customers at the earliest, due to the severity of the vulnerabilities and the `update is seamless’ and `does not even require a restart’.

Attackers Executing Arbitrary Code Utilising NTPD Process

The update surfaced to address an issue which was focused by the U.S. Government on December 19 and earlier discovered by the Google Security Team where the vulnerability has the capabilities of enabling an attacker to execute arbitrary code utilising the privileges of the NTPD process.

Apple had earlier faced vulnerabilities during the 2014 the most recent being on releasing an OS X bash update in September to fix the `Shellshock’ security flaw. Current day’s security update could be downloaded from the Mac App Store.

Neel Mehta and Stephen Roettger, Google Security Team researchers had coordinated various vulnerabilities with CERT/CC with regards to the NTP – Network Time Protocol and as NTP is used widely in operational Industrial Control Systems deployments, NCCIC/ICS-CERT has been providing the details for US Critical Infrastructure asset owners as well as operators bringing about an awareness as well as to identify mitigations for the affected devices. Updated release on additional information, when available would be provided by ICS-CERT.

Mac Users to Install Security Patch

Products utilising NTP service earlier to NTP-4.2.8 could be affected and no specific vendor is specified since this is an open source protocol.

 Mac users should pay heed to the advice from Apple and install the security patch and users running OS X Yosemite – 10.10, OS X Mavericks – 10.9 and OS X Mountain Lion – 10.8 would find the available updates in the Software Update mechanism of OS X, which is accessible from the Apple menu as well as by opting for `Software Update’, which is only 1.4MB and also installs in a quick manner.

 If one has automatic updates enabled for system software and security updates, the NTP would probably be installed already, though checking manually could be done. According to Apple spokesmen, Bill Evans, comments that Apple though, does not know of any cases, where vulnerable Mac computers were targeted by hackers looking to exploit the bugs.