GeorgeBMac

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GeorgeBMac
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  • Apple working on tech to allow iPhones to directly process credit cards

    chadbag said:
    jimh2 said:
    crowley said:
    Interesting.  Presumably there would be fees, but there would be reductions/bonuses on one or both sides if a customer uses Apple Pay, Apple Pay Cash or Apple Card to pay a vender using the Apple [insert branding here].

    Does the iPad have the NFC capability?  I see lots of stores using the iPad as the cashier terminal; if it could also deliver the payment processing in a single unit then.  The cellular connection of the iPhone isn't needed is it?  Could also be a case for an updated iPod touch.
    There will be fees as that is how credit cards work. The recipient always pays. I doubt individuals will be able to accept CC’s. There is far too much paperwork required due to money laundering and fraud concerns. I’d expect to pay at least 2.75% skim which is around what Square, PayPal and others charge. A lot of people do not realize that card perks come out of the merchants pockets. CC companies are not giving anything away. 
    A lot of people people do not realize that credit card fees come out of the customers pockets. Even when you’re paying cash, as most merchants mark up EVERYTHING to offset those fees.
    Yes and no.  Credit cards have become so ubiquitous as payment facilitators that companies price the costs of accepting cards into their cost of doing  business and set their pricing on products accordingly.  Almost nobody gives a discount for cash anymore. 

    Yes, that's pretty much what he said.
    But the cards (or their digital equivalents) provide advantages over cash:  One of them is that it reduces crime:  there are some stores who will no longer accept cash because of fear of being robbed (no cash = nothing to rob).   In addition, eliminating cash takes away a key tool of tax cheats and other criminals to conduct their illicit business.

    For myself, I just enjoy not having to carry it around and deal with it.  I keep a couple twenties on me for emergency but I haven't spent a dime in cash since the summer.  I use ApplePay for about 90% of what I buy and keep a card handy for the other 10%. 

    Another advantage for me, besides convenience, is that it helps me to track spending through Quicken by recording the receipts and later reconciling the account by downloading the charges and having Quicken match them automatically.

    Basically, I stopped using cash many years ago.
    StrangeDays
  • Epic vs. Apple takes new turn as 34 US states & DOJ side with 'Fortnite' maker

    Marvin said:
    DAalseth said:
    Apple has a choice. They can either keep fighting this battle to the bitter end and, if what has happened over the last year is any indication, get something really bad imposed on them. Or they can accept where this is going, get out ahead and control the result. The world has changed. Attitudes have changed. Apple needs to change too or they will have something bad for them and their customers forced upon them.

    It’s far better to control the landing than to fight to stay aloft and end up stalling and crashing. 
    The arguments against Apple amount to nothing, it doesn't matter how bitter people are about it. Apple doesn't have a majority marketshare, Android does and they allow 3rd party stores. Apple allows access to the internet unrestricted and software can run either via the web or streamed. Not that it matters, people keep making the same stupid argument about an iPhone being a general purpose product, every product is designed by its manufacturer whether it's a smart TV, a console, a phone, a PC and they have a right to design it how they want with security restrictions on native software. If a manufacturer designs a Windows PC that can only run a single store and gains a 30% marketshare, it's not anticompetitive if people can buy an alternative product. If they gained a 90% marketshare, it might be different but it likely wouldn't gain that kind of marketshare if it was restrictive.

    The original argument was about Fortnite being accessible on iOS without Apple's control, it can be accessed via the cloud, this was always an option via a browser and here it is currently running on iOS:



    Apple doesn't set the prices for in-app purchases. No developers have been monetarily harmed by Apple. Here's the letter they are presenting:

    https://cdn.arstechnica.net/wp-content/uploads/2022/01/States-amicus-brief-for-Epic-v-Apple-appeal.pdf

    They talk about the ruling undermining antitrust law but they aren't being honest about what their motives are. For a lot of these politicians, this is about Parler being removed from the store, getting retribution for it and laying groundwork for it not happening again and for some it will be Apple not allowing backdoors on iPhones. They want the ability to install backdoors on iPhones without Apple's permission. There was an article today about this:

    https://appleinsider.com/articles/22/01/28/fbi-considered-using-pegasus-spyware-for-us-domestic-surveillance

    The proposed legislation has been specifically targeted at companies with over 50m US store users to deliberately target it at Apple and Google. If it ever moves ahead, Apple can easily block access to the store in the 34 states that pushed for this to get the number to stay below 50m. If it moves ahead and they choose to go the route of allowing 3rd party stores instead, they can just create an entirely closed off sandbox for each store possibly running a separate copy of the OS in a VM so that malware is isolated from the boot capability of the device.

    Apple has plenty of options to go for but before this is even worth considering, the complainants have to prove what they are arguing about - that Apple is stifling competition and harming developers and users. They haven't demonstrated this at all. The fact Fortnite is currently capable of running on iOS without Apple doing anything discredits the entire argument.

    Good points...  But one that everybody keeps skipping over:
    They are moving the bar to suit their agenda.   Specifically:   anti-trust laws were created to prevent an organization holding a monopoly from abusing its power.   And, that could include:  gouging consumers who had no other option or running competition out of business with price manipulation (lowering the price of a product till the competition couldn't sell at that price and goes out of business).

    The key word is "monopoly". 

    But today, that bar has been lowered to claim "Anti-Competitive" simply because a company is better at it than the competition.   It's like putting ankle weights on Tom Brady because he is declared to be "anti-competitive".   He isn't.  He's just better at competition.   There is a difference. 
    foregoneconclusionp-dogwatto_cobraBeats
  • FBI considered using Pegasus spyware for US domestic surveillance

    Japhey said:
    lewk said:
    rob53 said:
    So the FBI secretly bought an iPhone spying tool using taxpayer money in 2019. Anyone think they still DON'T use it? The FBI's charter only deals with domestic activities. The CIA deals with non-domestic and the NSA does whatever they feel like doing. Once the FBI purchased Pegasus, all the other government agencies had access to it. I'm sure there's a way to "share" this software and I have no doubt it was used many times, and probably continues to be used. 

    Let's add all the government officials who are pushing to force Apple to open up its App Store along with China forcing athletes to load the "official" Olympics app. Both of these can force backdoors into a person's iPhone. Since governments can't figure out how to spy on iPhone users any other way, they are pushing, the case of the US,  Congress and state's AGs to do the dirty work for them. Force Apple to open up the App Store for side loading and make them lose money by allowing third-party payment systems, something no other retailer allows. 


    Domestic terrorists now pose a greater threat to the U.S. than do foreign terrorists.
    The FBI is our primary protection from them.  I'm fine with them doing what they have to do to protect us from dangerous screwballs with an agenda.
    Domestic terrorists?  You mean like Antifa and the others who were rioting and burning down portions of our cities?  The ones destroying a lot of black and minority owned businesses?

    No, because they are not terrorists.
    It wasn’t on CNN, so you might have missed it. 

    That propaganda was all over FauxNews -- or is that too liberal for you?
    StrangeDays
  • Epic vs. Apple takes new turn as 34 US states & DOJ side with 'Fortnite' maker

    It seems that we have forgotten about laws, justice, right & wrong.
    Now it's just a game of tag and right now Apple is "it".  They are the current target.
    baconstang
  • FBI considered using Pegasus spyware for US domestic surveillance

    lewk said:
    rob53 said:
    So the FBI secretly bought an iPhone spying tool using taxpayer money in 2019. Anyone think they still DON'T use it? The FBI's charter only deals with domestic activities. The CIA deals with non-domestic and the NSA does whatever they feel like doing. Once the FBI purchased Pegasus, all the other government agencies had access to it. I'm sure there's a way to "share" this software and I have no doubt it was used many times, and probably continues to be used. 

    Let's add all the government officials who are pushing to force Apple to open up its App Store along with China forcing athletes to load the "official" Olympics app. Both of these can force backdoors into a person's iPhone. Since governments can't figure out how to spy on iPhone users any other way, they are pushing, the case of the US,  Congress and state's AGs to do the dirty work for them. Force Apple to open up the App Store for side loading and make them lose money by allowing third-party payment systems, something no other retailer allows. 


    Domestic terrorists now pose a greater threat to the U.S. than do foreign terrorists.
    The FBI is our primary protection from them.  I'm fine with them doing what they have to do to protect us from dangerous screwballs with an agenda.
    Domestic terrorists?  You mean like Antifa and the others who were rioting and burning down portions of our cities?  The ones destroying a lot of black and minority owned businesses?

    No, because they are not terrorists.
    StrangeDays