Apple Pay

22 05 2015

This is what Apple publishes on its website

Your wallet.
Without the wallet.
Paying in stores or within apps has never been easier. Gone are the days of searching for your wallet. The wasted moments finding the right card. Now payments happen with a single touch.

2015/01/img_3938.png

Apple Pay will change how you pay with breakthrough contactless payment technology and unique security features built right into the devices you have with you every day. So you can use your iPhone, Apple Watch, or iPad to pay in a simple, secure, and private way.

How it works …

Passbook already stores your boarding passes, tickets, coupons, and more. Now it can store your credit and debit cards, too. To get started, you can add the credit or debit card from your iTunes account to Passbook by simply entering the card security code.

To add a card on iPhone 6, iPad Air 2 or iPad mini 3, go into Settings, open Passbook & Apple Pay, and select “Add Credit or Debit Card”. On iPhone, you can also just open Passbook, then swipe down and tap the plus sign. From there, use your iSight camera to enter the card information or type it in manually. The card you had stored in iTunes is your default payment card, but you can always switch it in Settings.

After scanning a credit card the usage is easy for the iPhone 6 as well as the Apple Watch.

  • iPhone 6
    There’s no need to open an app or even wake your display thanks to the innovative Near Field Communication antenna in iPhone 6. To pay, just hold your iPhone near the contactless reader with your finger on Touch ID. You don’t even have to look at the screen to know your payment information was successfully sent. A subtle vibration and beep let you know.
  • Apple Watch
    Double-click the button next to the Digital Crown and hold the face of your Apple Watch near the contactless reader. A gentle pulse and beep confirm that your payment information was sent.

Making reservations …

I want to express my reservations about Apple Pay and electronic payments with smartphones or smart watches in general.

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Which biometric data will be used for payments in the near future?

Well, in your everyday life the easiest way to get rid of your -bogus- money is to pay cash. Carrying cash with you is followed by two risks:

Loss and mugging.
Both may also happen to your password.

So there is a need to innovate and make payments secure and fast with something you always carry with you: eyes and fingers.

Note
Admittedly you also carry your belly with you but after intense scientific researches it turned out that the waist circumference isn’t as unique as required.

Apple decided to use the fingerprint for identification.

You fingerprint might be unique but the technique to transform it into bits and later retrieve you as the actor can be buggy according to Murphy’s law.

So, what happens if things don’t go your way?

If you need support the worst case that can happen, a customer’s nightmare, is, that you have more than one partner. Here it’s Apple and your bank.

2015/01/img_3973.png

Apple will say that they don’t have access to your data and the transaction isn’t done with real data but with generated tokens. The bank will say, that it’s not responsible for the technique and it suggests to contact Apple or, that your A8 processor should be repaired.

And what about the lost money?

It’s way to complicated to explain the strange redemption of John Doe’s or Mr A.N. Onymus’ money. Refunds are announced many times, according to legislation. But it seems that there are some unexpected black holes implemented in laws.

For God’s sake do not invest in any technique except your pillow (only halfway filled but secure). SMSs are winging it’s way to recipients in a jiffy but money still uses the Silk Road on the back of turtles.

Sorry for going ballistic …

Abso-fucking-lutely fuckers, that’s what bankers are when returning money or gaming via Investment Fonds, sorry, ASFs, aka Arrant Scoundrels Fonds.

Btw, did you know that ASF is also the official abbreviation for ‘African swine fever virus’?

Bankers are responsible for the financial crisis, they dashed people’s hopes, force people into poverty, and forward a very special legacy to our children, valuelessness.

So we learn:

Isn’t the law – still not adapted to activities in the Internet – a nicely flexible and bendable thing?

If you are a shopaholic or not don’t use the ultra-modern techniques. Get rid of your money by paying cash or using the old-fashioned credit card.

Don’t trust all the involved techniques and transfers of data over thousands of miles via cables, servers, and through the air. They are not qualified to build up confidence.

I’m an Apple fan and trust in what Tim Cook tells us about privacy. But there should be limits because even Tim and his excellent engineers can’t kill all bugs living in Apple’s ecosystem. Some are like bacteria, resistant, and some others are doing their job on the way to Maiden or other data centers.

Summary …

New kinds of electronic payment systems are not designed to reduce the costs but to get more personal data and force people to spend money they don’t have.

Why going a long way round? The next level of paying is to do it even without any device, just with your fingertip or your eye.

Follow Roman poet Ovid’s slogan Nip things in the bud (“Principiis obsta”) to prevent the society getting fully electronic instead of improving humanity.

Related links …

Security Made by Apple

Fingerprint Technology

Tim Cook about Privacy

Apple Pay is not needed here. Reading on iNotes4You is free. Thanks for dropping by.





Apple’s Sales and Income

17 05 2015

Stats about Apple are always the starting point for lessons in leadership. No other tech company is as successful as Apple if we look at parameters like profit, environment, responsibility in different areas, innovation, disruptive technology, code of conduct, cult, etc.

Different to many others, Steve Jobs, Tim Cook, and all the other excellent employees followed a philosophy. Continuity over decades let this company grew up to the most valuable brands in the world. Apple is a mega brand right in the middle of the epicenter of technology, the Californian Silicon Valley.

Statements like

Apple’s brand is just overwhelming here“,
said Eiji Mori, a Tokyo-based analyst at BCN Inc.
It’s not about specifications. It’s not about rationale. It’s about owning an iPhone.

always incite useless platform wars when published in social media. Users of Apple devices always get nothing but scorn and derision if Androids read those lines.
Everybody is entitled to make his decision up to his requirements but also must be able to retrieve reliable data about companies when it comes to any financial engagement.

The SEC …

As the leading industrial nation the USA developed rules for financial reports which are basically overtaken by other countries (even Germany, the country which is well-known for it’s very special and complex legislation not really understood by normal people). The responsible commission in the USA is the SEC (U.S. Securities and Exchange Commission).

The laws and rules that govern the securities industry not only in the United States but also in all other industrialized countries derive from a simple and straightforward concept:

All investors, whether large institutions or private individuals, should have access to certain basic facts about an investment prior to buying it, and so long as they hold it.

To achieve this, the SEC requires public companies to disclose meaningful financial and other information to the public.

This provides a common pool of knowledge for all investors to use to judge for themselves whether to buy, sell, or hold a particular security. Only through the steady flow of timely, comprehensive, and accurate information can people make sound investment decisions.

Numbers …

On Wikipedia I found the numbers for sales and income from 1977 to 2013 and added the latest numbers from Apple’s SEC 10-K filing (Annual financial statement).

2015/01/img_3866-0.png

With Apple’s spreadsheet app Numbers (part of iWork) I put these numbers into a table and used ‘Create chart’ from the context menu to create the bar graph. In a last step I inserted some images from the camera roll and added text fields to explain it all.

Note
iWork for iOS is an example for the added value Apple gives its customers when buying a mobile device like an iPhone or an iPad. It’s free and the company justifies this decision simply with an improvement of the user experience. It’s just one example for a sophisticated strategy to delight customers.

Related links …

About Statistics

Going Apple

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Apple and WWF 

13 05 2015

Stats say that every human living in an industrial nation uses about 20,000 kg paper in his life.  

“Through a new project announced today, WWF and Apple will help China – the world’s largest producer and consumer of paper products – reduce its environmental footprint by producing paper products from responsibly managed forests within its own borders.”

Source WWF (2015-05-11)

Related

What you should know about paper …
Go Paperless

What you can do with your mobile device to reduce paper usage …
Go Paperless with Tap Forms

Thanks for paying attention.





Creating Collages

10 05 2015

People say …

A picture is worth a thousand words.

And there is more …

Humans are designed to absorb visualized information in a jiffy and in many cases remember this information much longer than any other stimulation of senses.

Create collages on your iPad. It’s not only funny but also lets you digest the topic again.

Earlier I posted this image with an ironic content about Apple’s payment system, which works with the iOS devices starting with iPhone 6 and iPad Air 3.

2015/01/img_38931.png

It’s an example for what you can do on an iPad. See the appropriate ingredients, apps, and devices to create collages in the image below. The collage was also created with Apple’s presentation app Keynote.

2015/01/img_3916.png

It might be also worth creating some images with photos of your last holiday. Once you started you’ll love it.

The iPad is definitely a shining example for disruptive technology.

It’s because a touchscreen is much nearer to human activities than any other device or textbook could be. What we do is mostly what we do with our hands. It’s our first approach to new things. Creating artworks, modeling new devices, or writing down all the ideas leading to Einstein’s E=m c c equation on a sheet of paper while walking through the room and reflecting our thoughts is almost always done by hand.

Summary …

Stay hungry, stay foolish, and be creative with your iThing.

Related links …

iPad @ Universities

About the iPad

If you use images you should know something about the Copyright

The Copyright

Thanks for dropping by.





OMG

9 05 2015

Microsoft’s iOS app OneDrive was updated on May 6, 2015, with this description of the new innovative features:

Improvements to image quality and performance on Apple Watch.
If you have a new Apple Watch, you can enjoy your OneDrive photos right from your wrist!

My high resolution photos taken with an iSight camera displayed on a screen size near to the size of a postage stamp.

  

That’s what I was looking for since years.

Well, at the end of the day everything we like (including JLaw) is a matter of imagination.

So feel free to download my collage and view JLaw right on your wrist.

Note

Dear developers, think twice about the usefulness of your application on a 1.5″ screen size. Here is a noteworthy document for you.

Guidelines

More

Cockamamie

Thanks for dropping by.





20 Years Later

30 04 2015

an opinion which came up in the Stone Age of Mobiles must be revised.

The New York Times Sep 17, 1995 …

The Newton, Apple’s hand-held computer, is on the brink of a second life, and industry analysts who have seen prototypes say the new version comes significantly closer to meeting its original promise than the first model, which was widely derided as John Sculley’s folly.

2015/01/img_3867.png

At a closed meeting for about 400 software developers in San Francisco early this month, Apple Computer Inc. introduced new Newton software. People close to the company said the new operating system, called the Newton OS 2.0, will go on sale in November.

People who have used the new Newton say it does a better job of recognizing handwritten input, exchanges data with desktop computers more efficiently and has an improved user interface. But the personal digital assistant or P.D.A.,

is still a technology in search of a market.

“In the long run there is no doubt people will carry around small computers much like pagers today,”

said Amy Wohl, president of Wohl Associates Consulting Group.

“But it’s still not clear that Apple will be one of the major providers of these systems.”

Credits …

As always, Apple is responsible for the track record but we should also give credits to Microsoft. Companies always stimulate each other to innovate. That means:

Something original and more effective and, as a consequence, new, that “breaks into” the market or society and initiates a significant impact.

There is no doubt that the iPad was not only a shining example for innovation but also for disruptive technology.

Related links …

Ap(pl)es

About the iPad

Thanks for dropping by.





Cockamamie

26 04 2015

Customers asked for bigger screen sizes and Apple delivered. Isn’t it strange that people now want the watch although mobiles today are mainly used for surfing, mailing, shopping, and banking, tasks you cannot do with the iPhone’s expensive kernel-based accessory.

  
So the Apple Watch soon will be offered with a well-designed and innovative magnifier in Milanaise style.

Why?

Well, many developers now offer their apps for Apple’s most personal device although there are some stumbles which make it hard to perceive the device’s  overall usefulness. 

This update adds support  for the Keynote Remote Apple Watch app.
Apple April 21, 2015, on its Keynote update

So you now can control Keynote presentations with the Apple Watch. 
Yes, but only if there is enough energy left in your watch. Maybe it’s better to buy two watches, one for the morning and one for the afternoon.
Playing with e-loot is now transferred from the powerful brother in your hand to the eye-catcher at your wrist showing some signs of weakness.

Note

Linear presentations are a bit old-fashioned. Today non-linear presentations are preferred. The app Final Argument (top rated by numerous US professors) is in the line of applications allowing non-linear presentations. In contrast to Apple’s Keynote or Microsoft’s Powerpoint presentation tools slides can be arranged in a non-linear (in contrast to top-to-bottom) layout. With this kind of presentation, it is possible to jump to any out-of-order slides. Non linear presentations are excellent where audience participation is expected and encouraged. For instance a manager summarizing the latest progress of a project with his team, team members may interject to explain something, as a result the manager jumps to a different slide.


Improvements?

With the Apple Watch we now have a fully sequential remote control, definitely a step backwards. Have you ever tried to see a preview of a slide on your watch before presenting it to the audience? Have you ever tried to navigate through your presentation to use it for a deeper discussion with your colleagues? 

To use an Apple Watch is a great idea but only if people get an innovative new kind of eyes adapted to their iThings which can manage the impressive screen size of an Apple Watch.

Elmer Bautista commented on Google+

Plus using both arms just to do the presentation, instead of just one hand holding the phone to click through the slides.

It’s not only Apple but also other developers starting to deploy their app versions for the watch regardless of their usefulness. 
1Password for example is now available for the watch. Well, I use 1Password to automatically sign in to websites. Did I miss something or is Safari already available for the watch? 
With FlightTrack for the Apple Watch, a glance at your wrist gives you the status of your current flight when you’re on the go! You can view more flights and details in the watch app to see terminal and gate information, seat assignments, baggage claim, confirmation numbers, and more!
How many times a week do you get airborne? It might be useful but it’s much more likely that you don’t need it and your watch just shows you what’s right in front of your eyes on a 30 ft display board, not to talk about the untrustworthiness of data retrieved from various sources.

If you don’t go forward, you go backwards. So it’s nice to have a Milanaise magnifier, possibly with a battery for charging the watch on the go. Time must always stay in motion.

It’s just my opinion, an opinion of a detached 60+ mind who is a candidate for health apps on an Apple Watch but unfortunately I found this note in Apple’s “Important Safety Information” (Apple Watch Guide, Apr 2015)

Not a medical device
Apple Watch, the heart rate sensor, and the included Apple Watch apps are not medical devices and are intended for fitness purposes only. They are not designed or intended for use in the diagnosis of disease or other conditions, or in the cure, mitigation, treatment, or prevention of disease.

So I still prefer to contact my doctor and clear things up by using the traditional methods and, more important, face-to-face communication. 
Related links …

The Apple Watch (1)

The Apple Watch (2)
 
Non-linear Presentations


Thanks for taking your time.
I’m pretty sure that you didn’t read this post on your watch.

A final note
It’s Apple’s most personal device yet and so it’s everybody’s most personal decision to improve the company’s income statement or to breathe life into more efficient alternatives.








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