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PayPal beats Apple to the punch, launches Pebble smartwatch app for in-store payments

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Apple’s payment-enable smartwatch may still be months off, but PayPal is hoping to beat the Cupertino-based tech giant to the punch with watch-based payments at physical retailers. The payment company today debuted its application for the Pebble smartwatch, which allows users to make purchases at supported locations.

Unlike the Apple Watch and its associated payment system, PayPal’s app doesn’t require a connected smartphone to use. It also doesn’t support NFC-based transactions. Instead, it generates a payment code that can be used to check out and charge an order to a user’s account. In some stores users will also be able to check out simply by checking into the store through the app.


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PayPal takes a swipe at Apple Pay security over iCloud celebrity photo leaks

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PayPal appears to be calling out Apple and its newly announced mobile payment service Apple Pay with an ad appearing in The New York Times print edition (via Pando Daily) indirectly reminding people of last month’s disastrous iCloud photo leak when a list of celebrities found their personal photos an intimate situations published on the web. The ad reads “We the people want our money safer than our selfies,” but PayPal isn’t without its own security issue in the past.

Apple already has over 500 million iTunes account with most having credit cards, the company says, and iCloud features like iCloud Keychain manage and utilize credit card data for auto-completing credit card information.
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Amazon takes on Square and PayPal Here with $10 iPhone/iPad cardreader & lower fees

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Small businesses looking to take occasional card payments without paying monthly fees now have a third option as Amazon has launched Local Register to compete with Square and PayPal Here – as we predicted last month. The $10 card-reader is compatible with any iPhone from the iPhone 4 onward, as well as any iPad or iPad mini.

Amazon is undercutting both competitor services with a flat fee of 2.5 percent per transaction (vs 2.7 percent for PayPal Here and 2.75 percent for Square). Not enough? Amazon is sweetening the deal with a special introductory rate of 1.75 percent until the end of 2015, and will also credit the $10 cost of the cardreader in full against transaction fees … 
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Amazon apparently set to launch Square-competitor in August as it develops biometric payment solutions

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Amazon could be preparing to launch its own mobile credit card reading hardware in the coming weeks, according to internal Staples documents hinting at such a launch that we’ve obtained. According to the documents, Staples stores will prepare next month to stock a new product called the “Amazon Card Reader” alongside existing card readers from Square, PayPal, and Staples’ own in-house brand. The small hardware, which will likely connect to smartphones to process payments, will cost $9.99, according to the Staples internal sales systems…


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PayPal takes a page from Passbook, adds virtual loyalty cards to iOS app

PayPal has updated its iOS app with support for loyalty cards from a long list of selected retailers. The app allows you to select one of the supported companies from the list and scan the barcode on your loyalty or discount card, then saves the data in a digital wallet. The update puts PayPal in competition with Apple’s stock Passbook application, which also allows for storage of loyalty cards and other similar information.

The update also includes bug fixes and removes the ability to scan a check using the device’s camera to deposity money in your PayPal account. You can grab the version 5.5 update for free on the App Store.

What’s New in Version 5.5
Loyalty cards, login, and more!

• Link all of your favorite loyalty cards to PayPal. Carry virtual versions on your mobile. Your wallet deserves the break.
• Vroom! Faster logins are here. We did some work behind the scenes to speed things up for you.
• No bug is safe! We’re finding and fixing them as fast as we can.
• We’re no longer offering the “scan a check” feature. Not to worry. You can still add money to PayPal directly from your bank account.

PayPal reportedly planning to integrate iOS 8’s Touch ID API in mobile payment app

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When Apple unveiled the Touch ID API during its WWDC keynote earlier this week, users and developers alike immediately started considering possible uses. It seems PayPal was also quite interested in putting the fingerprint technology to work in its mobile app.

According to Business Insider, several PayPal developers attended a WWDC session on the new API and the company is actively considering its implementation. The idea here is likely to get a head-start on Apple, which is currently said to be working on its own mobile payment service in conjunction with several major payment processors.


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Could Apple buy Square to accelerate its mobile payment plans?

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Re/code is reporting that both Apple and Google have considered making acquisition offers for payments company Square, with CEO Jack Dorsey said to favor a sale to Apple.

In the last year, both Apple and Google have considered making acquisition offers for Square, according to industry sources familiar with the situation […]

[Dorsey] believes, sources said, that his company’s design aesthetic and values match up much more closely with Apple than Google …


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PayPal feels the threat from Apple’s mobile payment plans, says it ‘wants to help’

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PayPal is clearly feeling the threat posed by Apple’s plans to use Touch ID to facilitate payment for physical goods from other retailers: re/code is reporting that the company has offered to help.

PayPal is essentially willing to white label parts of its payment service to be used in an Apple mobile payments system — anything from fraud detection to back-end infrastructure, even possibly down to the processing of payments.

“They’re telling them, ‘We’ll do it in the background,” one of these people said. “Basically, it’s just, ‘We want to be a part of this.’”

The plea is likely as desperate as it sounds, with two of the three payment industry execs re/code spoke to saying it’s unlikely Apple has any need of PayPal’s assistance. Apple has over 575 million iTunes accounts, most linked to credit cards, and already allows purchases from its own retail stores using the Apple Store app on iPhones. Apple also has patents in place for payment via both NFC and Bluetooth electronic wallet systems, so there doesn’t appear to be any part of the process the company couldn’t handle unaided.

PayPal’s relationship with Apple seems set to remain limited to that of a payment option for iTunes and online store purchases, and a reseller of iTunes gift cards.

PayPal opens ‘digital gift’ store, debuts with iTunes gift cards

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PayPal has announced a new section dedicated to online gift card purchases. The “Digital Gifts” store has opened with what PayPal describes as a “marquee merchant”, namely iTunes. Although buying iTunes gift cards with PayPal has been possible for a long time thanks to eBay, this is the first time PayPal is selling the cards directly through themselves.

Naturally, you can pay for the cards with your PayPal account credit. The company poses the store as a really simple way to give a meaningful gift to someone for the holidays.

Buying a digital gift from PayPal is as easy as one-two-three: select a gift and denomination, enter your PayPal ID and Password, send the gift to a loved one or redeem it on the spot. Simple, convenient and secure. To help open the digital doors we have just started offering iTunes codes.

The store is currently offering iTunes cards in $15, $25, $50 and $100 variants. Gifts can be bought for yourself or gifted to someone else via email. Whilst PayPal is not offering the best deal by any measure (offering gift cards at face value), the service is quick and convenient.

Amusingly, despite being a digital good, the store is reporting that $15 and $25 cards are already “sold out”.

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PayPal iPhone app updated w/ iOS 7 redesign, withdraw to bank, QR/bar code scanning, more

PayPal is releasing an updated iPhone app today that on top of introducing a redesign for iOS 7 also introduces a few new features.

You’ll notice a number of UI tweaks in the new app and a redesign that fits in with the look and feel of iOS 7, but you’ll also now be able to withdraw money from your PayPal balance to your bank account within the Wallet tab. Also new is the ability to pay by scanning QR and bar codes a select retail partners:

Paying just got even easier! Scan a QR or bar code to pay at select merchants

In addition, version 5.2 of PayPal for iPhone includes the ability to choose your home screen for fast access to the features you use most.

What’s New in Version 5.2

5.2
• Need to withdraw some cash from your PayPal balance to your bank? You can do that in your Wallet
• Check out our new iOS7 look and feel
• Paying just got even easier! Scan a QR or bar code to pay at select merchants
• Choose your start screen for fast access to the info you need
• We’re still hard at work finding and fixing bugs

We’re always listening, so please send comments, suggestions, and any words of encouragement to mobile-apps@paypal.com.

A look at what some high-profile apps will look like when iOS 7 hits

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Apple announced on Tuesday that iOS 7 will be publicly available on September 18th. The revamped OS moves completely away from the realistic designs of the past six generations, dropping almost all “artificial shadows” (as Apple SVP Craig Federighi called them), gloss, and even button borders. Instead, the Jony Ive-inspired interface features an entirely rethought design language that focuses heavily on large icons, lightweight fonts, whitespace, transparency, and conservative use of color.

We previously took a look at what some of Apple’s own in-house apps could look like when redesigned for iOS 7. During Apple’s September 10th event, Federighi flashed up a slide displaying the upcoming iOS 7 updates for many third-party applications. None of the apps were labeled, but we’ve tracked down names for most of them.

The apps featured are:


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Opinion: Why I love the iPhone 5s, and why I’ll be sticking with my 4S

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I like my gadgets, and generally consider myself an early adopter. When my friends are looking at buying a new piece of technology, I’m the one they ask as they know I’ll either own it or have tried it.

So you might be surprised to learn that my phone is an iPhone 4S and that after yesterday’s unveiling of the 5s (no, I don’t know why it suddenly became lower-case either), I’m planning to wait for the iPhone 6 before upgrading.

It’s not that the 5s isn’t impressive from a purely technological viewpoint. It is. A 64-bit phone? That’s a pretty incredible achievement. Delegating sensor functions to a separate chip to enable constant use without the usual battery-drain? Brilliant. A truly state-of-the-art fingerprint sensor? Fantastic. A larger phone sensor with lower pixel-density? Exactly the right approach, and I was delighted to see Apple refusing to join in the stupid megapixel race.

But I’m still not going to buy one, and the reason for that is two-fold. Before I get to that, one piece of context. In the U.S., upgrading can be a no-brainer as you end up on the same tariff either way. In the UK, it’s better value long-term to buy the phone outright at full retail (around $1120 for the 64Gb 5s), so you have to balance incremental benefit over other gadgets you could buy with the same money – like a new iPad. So, back to those two reasons …
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PayPal for iPhone redesigned, adds ability to pay at local shops

http://www.youtube.com/watch?v=qRdRwyFceJY

Today, PayPal has announced a significant update to its iPhone app. Ahead of iOS 7, the application has been completely redesigned with a simpler, flatter user-interface.

Feature-wise, the app update focuses around mobile payments. With a new “Shop” tab, users of the new PayPal app can find restaurants, shops, and venues that support paying with PayPal. On top of that, some of these shops even support purchasing and paying for food or another item before walking into the store.

As explained to TechCrunch, some of these shops even support coupons. Ordering ahead includes the nice benefit of skipping the line. Another feature that goes nice with the “Shop” feature is the ability to pay a restaurant bill via the app.

A bill-me-later option has also been added. The new update for iPhone is expected to arrive on the App Store today.


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Apple now offering PayPal for online store purchases starting with Germany

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As first spotted by our friends over at German language publication Macerkopf.de, Apple appears to be rolling out an option to make purchases on the Apple Online Store using PayPal. The feature appears to be limited to Germany currently, but it could mark the start of a broader roll out to other users.

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Apple has never been opposed to offering the option to use PayPal for some services. Users in the U.S. have long been able to setup PayPal as a payment option for their Apple ID on the desktop, allowing them to purchase iTunes content with PayPal on iTunes & the Mac App Store. Apple does, however, already support PayPal payments for its online store in China.

It also allows its education customers to use PayPal for volume purchases of iOS apps, but the privilege didn’t extend to making purchases from the online store at Apple.com.

Apple’s help page for  payments and tax information in Germany now explains how users can opt for PayPal at checkout, but we’ve yet to find the feature live in other countries that we’ve tested.

Users will not have to setup their PayPal as their payment option for their Apple ID, instead they will be redirected to log in using their PayPal username and password at the time of purchase:
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Apple’s eBay store offers significantly better deals on Apple.com refurbs (and that’s before tax+payment advantages)

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9to5Mac first broke the news that Apple sold refurbished merchandise through its own eBay store last year, equipped with the same price tags, full warranties, and approved inspections, and now the company has dropped prices on many of those items below what it offers at store.apple.com.

9to5Toys and eventually Dealnews recently noticed a $100 price cut for Apple’s 13-inch MacBook Air with 1.8GHz i5 and 128GB of storage (now over). It costs $100 more at store.apple.com for the same refurbished unit.

An even better eBay deal has emerged today: Apple’s 11.6-inch MacBook Air with 1.8GHz, 4GB SDRAM and 256GB SSD is only $949. It’s certified refurbished unite, while the same refurb model goes for $1,059 on Apple.com, and the 256GB MacBook Airs start at $1,299 new. All items come with free standard shipping, and eBay adds sales tax for only a few states at purchase and allows folks to pay with PayPal and BillMeLater.
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Xfinity TV Player, DataMan Pro, PaperPort Notes, PDF Expert Enterprise, more

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Xfinity TV Player version 1.2: Comcast updated its Xfinity TV Player app today to allow users to download TV shows & movies from the following networks: Starz, Encore, Showtime, and MoviePlex.

DataMan Pro for iPhone version 6.1: A new feature for tracking data used by apps hourly comes in an update to the DataMan for iPhone app today. The app is also 50% off in our deals (below).

・Advanced App Watch. See how much data is being used by each app every hour, every day.

PaperPort Notes version 2.0.0: This free note taking app from Nuance was recently updated with an interesting new feature: the ability to “convert your scanned documents from the camera or photo album into editable text” using the Nuance OmniPage Cloud Service.

PDF Expert Enterprise version 4.2:

• Full compatibility with iOS 6
• Workflow improvements:
o Search inside Briefcase
o “Completed” folder for document reference
o “Always Flatten” policy support when submitting a document
o Confirmation of “Compete” document action

Assassin’s Creed Rearmed version 3.0.1:
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Need For Speed Most Wanted, Nike+ Kinect Training, Yahoo!, ooVoo Video Chat, Google Search, more

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Need for Speed Most Wanted: EA is out with the iOS version of its latest Need for Speed title today. It previously released Most Wanted for consoles and teased the iOS version, but now the app is officially on the App Store for $6.99. The game features over 35 customizable cars, touch and tilt steering, and EA Origin support to check leaderboards across platforms.

Evade a relentless police force while you clash with street racers. Race and chase hot cars like the SRT Viper GTS, Porsche 911 Carrera S, Hummer H1 Alpha, and many more. Feel the intensity of no-brakes-allowed street racing with realistic full-car damage for the first time on mobile.

Nike+ Kinect Training: Nike already has a few different iOS apps tied to its Nike+ gear. Today the company launched an iPhone app designed to work exclusively with Nike+ Kinect Training for Xbox 360. The app syncs with your personalized training workouts from the game, allowing you to access all of the content from your console on your iPhone.

You can track your programme progress, explore your workouts, get Challenge reminders, connect and cheer on friends and prepare for upcoming sessions.

ooVoo Video Chat version 1.3.0: A nice update goes to the free, 12-way HD group video chat app today:

* Support for iPhone 5 and iPod touch 5th generation with 4-way display
* Landscape video mode on iPhone, iPad, and iPod touch
* Improved connectivity
* Bug fixes for iOS 6

Yahoo! version 2.3.3:
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Top places to trade a third-generation, not-so ‘new’ iPad for cash or credit

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So…I have the new iPad, err, the third-generation iPad, and its value tanked by 30 percent to 50 percent in the last 24 hours thanks to the fourth-generation iPad and iPad mini unveiling at the California Theatre yesterday.

I now have a few decisions to make. I can keep my iPad and wait for a larger update in the fifth-generation iPad. I could also trade my iPad for money or credit to buy the fourth-generation iPad, or I can even use the trade-in money for my iPad to get the iPad mini and then keep the extra dough for myself.

I actually decided to take a fourth option: I am going to trade my not-so new iPad and my dusty ‘ole first-generation iPad for credit to go toward the fourth-generation iPad. This way, I will be up to date. I will also get more bang for my trade-in buck when Apple releases the fifth-generation iPad (next fall?), as I will have the latest version. As for the iPad mini, I guess I will have to shell out extra money for it. I could always trade my old iPhones to get cash for it, though…but more on that here.

9to5Mac has you covered, for whichever path you choose, as we have compiled another list of the top trade-in places for cash or credit.

Check out the top 13 list below.


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Apps & updates: Pixelmator 2.1, Adobe Reader, Sony Music Unlimited, Evernote, more

[youtube=http://www.youtube.com/watch?v=RDCzP5IOzlI]

Pixelmator 2.1: We get a quick look today at some new features coming to Pixelmator 2.1 in a new video focusing on the Vintage Effect (via TheLoop). The upcoming app will also include Retina support and a ton of new features, some of which the developer has highlighted in a blog post.

Adobe Reader version 10.3: Adobe updated its free Reader iOS app today with a number of new features that are listed below:

• Add text to your PDFs with the Add Text tool

• Use forms that have Field Validation, Calculation, and Formatting

• Organize and manage your documents in Reader’s improved file organizer. Create folders, copy, move, rename, and delete files.

• Help us make Reader better by optionally sharing anonymous usage data with us

• Look up definitions with our new Dictionary Support (requires iOS 5 or later)

• Fixed several bugs and performance issues

Music Unlimited version 1.1: Sony’s Music Unlimited streaming app was also updated today, adding a number of enhancements including the ability to delete login information and fixes to several commonly reported issues.

Facebook Pages Manager version 1.2:  Included in version 1.2 of Facebook’s standalone Pages manager app is the ability to upload photos to your Page’s albums, view photos attached to messages, and the app is now available in a total of 11 languages.

PayPal Here version 1.2: While noting it is aware of an issue with the display of refunded transactions, PayPal updated its PayPal Here app for accepting credit card and PayPal payments on the iPhone. Improvements in the update include longer time allowed between login, multiuser support (setup on paypal.com), improved Star printer, AirPrint, HP ePrint support, and a number of other new features and fixes.

Evernote for Mac version 3.2: Evernote announced in a blog post that it is releasing an updated version of its Mac client today that includes Retina support for the new MacBook Pros, a new Activity Stream feature, faster sharing, and “more reliable sync.” The update is currently only available through the developer’s site, but Mac App Store users can follow these instructions to complete the update.

1Password version 3.9.6: 1Password’s Mac App Store app was updated with two important features including support for high-resolution MacBook Pro Retina displays and support for the Chrome Web Store 1Password extension.

Apple attempts to take down in-app purchase hack

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[tweet https://twitter.com/alastairh/status/224836579707985920]

On Friday, we broke the news on some worrying tips we received about an “in-app proxy” hack that allowed even novice users to illegally install paid in-app purchase content for free. In updates to our original story, we noted the hack’s developer, Alexey V. Borodin, said in an interview that Apple’s method of validating receipts for developers would not protect apps from the hack. Apple followed up with a statement that claimed it is investigating the issue. Today, we get an update from The Next Web that further claims Apple began taking action over the weekend:

Over the weekend, Apple began blocking the IP address of the server used by Russian hacker Alexey V. Borodin to authenticate purchases.

It followed this up with a takedown request on the original server, taking down third-party authentication with it, also issuing a copyright claim on the overview video Borodin used to document the circumvention method. PayPal also got involved, placing a block on the original donation account for violating its terms of service

Unfortunately, the service is reportedly still operational with Borodin apparently moving the server to a location outside of Russia. He told The Next Web that the new service has been “updated and cuts out Apple’s servers, ‘improving’ the protocol to include its own authorisation and transaction processes. The new method ‘can and will not reach the App Store anymore, so the proxy (or caching) feature has been disabled'”

[tweet https://twitter.com/alastairh/status/224834890665967616]

While Borodin also claimed he has changed the process to force users to sign out of their iTunes account (to ensure users he is not stealing personal/credit card data), there are more than a few reasons to still be concerned. Developer Alastair Houghton told us that he thinks Borodin’s method could be used “intercept traffic intended for any other secure website”:


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Former Apple Hardware guru leads the charge at Square

CNN Money published a report today detailing how companies and startups want folks to ditch cash and use their smartphone to pay for everything, but a little nugget about Square’s upcoming hardware plans seemed the most noteworthy:

  • Now Square is planning to expand aggressively into yet another area: hardware. Earlier this year it hired Jesse Dorogusker, an Apple refugee who led the team that built headphones, docking stations, and other peripherals for iOS devices, as its vice president of hardware. “We are going to be doing a lot of hardware,” says Keith Rabois, chief operating officer of Square and a former executive at PayPal and LinkedIn (LNKD). Rabois cagily declines to elaborate, but consider this: In a pilot program the company recently began installing a software and hardware bundle that includes Square-powered iPads and iPhones in New York City taxicabs. It serves as a payment mechanism and replacement for those annoying TV screens that are common in the backseats of cabs. People with knowledge of Square’s plans say that in the future the company hopes to develop similar bundles for other vertical markets. It also plans to build different versions of its reader as it expands overseas. (Did we mention that Dorsey is ambitious?)
  • Taken together, Square’s products begin to offer a glimpse of what a utopia for buyers and sellers could look like: You’re in a new city and feel like sushi, so you fire up your phone and Square’s software offers you a series of suggestions that reflect your tastes; a nearby eatery offering you 20% off your bill catches your eye. Once you’re at the sushi bar, your phone talks wirelessly to the restaurant’s register and settles your bill, including the discount. And the restaurant collects a slew of information about you, which it can use to market to you in the future.

Dorogusker served as Apple’s former director of engineering for iOS accessories for over eight years, and he holds a few patents under his belt. One of his notable hardware inventions includes an iPod/iPhone-integrated personal fitness system capable of monitoring personal fitness data and sharing exercisers’ through the Web.


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Square rebrands Card Case as ‘Pay with Square’ in monster update following Paypal’s announcement

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[slideshow]

Square updated its “Card Case” app with a new design, new name, and a shiny new icon (literally) less than a week after PayPal announced its triangular Square competitor.

Unlike the previous version of the app, which used a credit card metaphor for each store you had an account with, version 2.0, now called “Pay with Square,” uses a list of businesses nearby that accept Square payments and allow you to quickly open a tab at any of them. You can also search a map for nearby Square-compatible businesses and add your favorites to a list for quick and easy access on future visits.

What’s new in Version 2.0, below:


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Apple granted major patent for iWallet, drawings depict iPhone with NFC, transactions via iTunes billing backend

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Ever since we first sampled the Starbucks app in September 2009, we could not help but wax eloquently how your iPhone will become your wallet. A deluge of ideas Apple has patented with NFC over time, and some interesting hirings, hint that the company is heavy into NFC. Then, in January, 9to5Mac heard from a developer at Macworld that iPhone 5 would have NFC and that MasterCard/Paypass would launch partners for an Apple-branded payment service that would span both iOS devices and Macs.

Fast forward to today, as the United States Trademark & Patent Office awards the company a major patent grant that covers the intricacies of the iWallet. According to PatentlyApple, this invention is supported by as much as 23 patent claims and dates back to the first quarter of 2009—indicating just how important it must have been to Apple.

The document outlines “techniques for implementing and defining financial transaction rules for controlling a subsidiary financial account,” allowing parents to control spending of their children, for example. Financial transaction rules are also detailed that would allow for spending limits based upon different criteria, such as a particular time period or geographic region.

The really interesting part about this are the drawings included with the patent application depicting a future iPhone with Near Field Communications (see the above illustration). The drawings indicate the use of iTunes billing system for credit card statements and records. The iWallet app could also tie nicely with a number of other utilities Apple’s been researching, such as this iPhone app for buying movie tickets.

But what’s in all this for you and me?


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Louis CK uses Final Cut Pro to make successful self-promoted video

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[youtube=http://www.youtube.com/watch?feature=player_embedded&v=FzHzlMneaeQ]
(adult topics/language: NSFW)

There is a lot of buzz on the net right now on Louis CK’s self-promoted video which he launched this week for $5, DRM free.  We love the idea and loved the 1.1GB video.  One interesting note, via Reddit interview: Louis CK does his own editing on Final Cut Pro:

You’ve been listed as a video editor on most of your projects. What program do you use to edit and why have you decided to take on this role?link

I love editing. I have used Avid in the past but I exclusively use Final Cut Pro now, though I am concerned about the future… You always have to put three dots after the future… editing is part of the process. It’s how you form everything. In some ways not editing yourself would be like a sculptor dropping some clay off at a guys house and saying “Make a naked lady chasing a bull. and do it nice.”

The experiment seems to be a success

The show went on sale at noon on Saturday, December 10th. 12 hours later, we had over 50,000 purchases and had earned $250,000, breaking even on the cost of production and website. As of Today, we’ve sold over 110,000 copies for a total of over $500,000. Minus some money for PayPal charges etc, I have a profit around $200,000 (after taxes $75.58). This is less than I would have been paid by a large company to simply perform the show and let them sell it to you, but they would have charged you about $20 for the video.

Get the video here (highly recommended).
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