Tuesday, 23 February 2016

MWC 2016: Mastercard rolls out selfie ID checks

            Mastercard app


Credit card firm Mastercard has confirmed it will accept selfie photos and fingerprints as an alternative to passwords when verifying IDs for online payments.
It follows a trial of the software carried out in the US and Netherlands last year.
The company told the BBC that 92% of its test subjects preferred the new system to passwords.
One expert said that such biometric checks had the potential to cut fraud.
However, some security researchers have questioned how easy it might be to spoof the system.
                         Mastercard app

Blink test

Mastercard announced the move at the Mobile World Congress tech show in Barcelona.
It said the rollout this summer would involve the UK, US, Canada, Netherlands, Belgium, Spain, Italy, France, Germany, Switzerland, Norway, Sweden, Finland and Denmark.
It explained that members of the public would have to download an application to their PC, tablet or smartphone to use the system.
                           Fingerprint test
When they make an online purchase, they will still need to provide their credit card details as normal.
But if a further authentication check is required, they will be asked to look at their phone's camera or use its fingerprint sensor rather than be told to type in selected letters from their password, as is the case at the moment.
If the user opts for a selfie, they will have to blink into the camera to prove they are not just holding up a photo.
"Consumers hate passwords," declared Ajay Bhalla, chief of the firm's safety and security division.
"We know the most commonly used password is 123456, so they are not secure, and people also use the same passwords for multiple sites. If one site gets hacked all the places that you use the same password get compromised - they are a big pain.
"In the modern world everyone has a mobile phone and there is internet connectivity everywhere. So, we should be able to use biometrics [instead] to authenticate ourselves."

Compromised checks

Mastercard is far from the only firm experimenting with facial scans as authentication tools.
China's e-commerce giant Alibaba recently demoed a pay-with-your-face system of its own.
And both Microsoft's Windows 10 and Google's Android operating systems already allow users to unlock devices by looking at their cameras.
Security researchers have pointed out that both facial scans and fingerprint sensors can be compromised.
Even so, Mastercard insists its other security mechanisms should be able to prevent or at least detect suspicious behaviour.
In addition, it says the facial scans and fingerprint data will not be transmitted in a form that could be intercepted, stolen or used by scammers.

Battling fraud

Smart wallet systems including Apple Pay, Samsung Pay and Android Pay have already introduced consumers to the concept of using their fingerprints to authorise payments.
Many Japanese bank ATMs also have a reader that scans the vein patterns beneath customers' fingers to let them withdraw cash.
One expert said other biometric tests could soon become the norm.
"Having one or more required authentication factors tied to who you are rather than what you know is going to become critical," said Windsor Holden from the tech consultancy Juniper Research.
"The problem with online payments has always been that the card doesn't need to be present, hence the credit card companies have charged more for the transactions to cover the costs of fraud.
"If they can introduce a mechanism that makes the system more secure than merely asking for a password, then the hope would be that fraud levels decrease and the savings can be passed back onto merchants, and perhaps consumers too."

Friday, 19 February 2016

Price War Sees Uber Lose $2.7m A Day In China

                            Car-sharing service app Uber

Uber has revealed it is burning through more than $2.7m (£1.8m) every day in China as it wages a fierce price war against its local rivals.

The Google-backed ride-hailing firm is losing more than a billion dollars a year in China but is still valued at $8bn in the country.
Intense competition means that it is important for the company to battle for market share, even if it means losing money.Uber chief executive Travis Kalanick said: "We're profitable in the USA, but we're losing over $1bn a year in China.
"We have a fierce competitor that's unprofitable in every city they exist in, but they're buying up market share. I wish the world wasn't that way."

Uber's main rival in China is a company called Didi Kuaidi, which is backed by Chinese technology giants Tencent and Alibaba.They have both spent heavily to subsidise fares and gain market share.A spokesman for Didi Kuaidi said that Uber's claims about its spending were false and that it is benefiting from its larger size.
He said: "Smaller competitors have to bleed subsidies to make up for their insufficient driver and rider network."

He added that the Chinese company now operates in 400 cities and had passed break-even point in half of those cities.
In January Mr Kalanick said that spending on such pricing strategies is "how you win" in China.

Bank Lets You Access Account Using Voice

More than 15 million HSBC and First Direct mobile banking customers can now access their account using the new technique.

                         View of the HSBC headquarters in Istanbul, Turkey

Banking passwords could soon be a thing of the past for millions after a bank rolled out a voice recognition system.

More than 15 million HSBC and First Direct mobile banking customers can now access their account using the new technique.

A company called Nuance Communications is supplying the voice biometric technology, which cross-checks voices against over 100 unique identifiers including speed and pronunciation.

It also looks for clues that could help it match physical features - including vocal tract and nasal passage characteristics.

Customers who enrol will have to record their "voice print" and then will no longer need to enter their security password or pin to access their account.

Fingerprint recognition is already widely available, with many smartphones using the tech to allow people to unlock their device to allow them to pay for things.Using a fingerprint to login will also be available to the bank's customers.
Moving away from passwords could bring security benefits - because many people use easily guessable passwords, or rarely update them.

First Direct chief executive Tracy Garrad said that physical and behavioural characteristics are "almost impossible to mimic".
She said: "While this is the largest roll out of voice ID in the UK banking, other industries will soon follow our lead."
However Barclays pointed out that it launched voice biometric technology to its wealth management customers in 2013.
It said it would make the service available to all of its customers in the near future.

Thursday, 18 February 2016

iPhone sales fall for the first time

                               iPhone, mobile phone sales

Sales of Apple's high-end smartphones suffered their first ever year-on year decline of 4.4 per cent, according to market analyst Gartner.
South Korean rival Samsung market share also slipped throughout the year to 22.5 per cent, a decline of 2.2 per cent, but was enough to maintain its position as the world's most popular smartphone vendor.  In total, Samsung shipped around  320 million units throughout 2015 globally, compared to Apple's 225 million - some 15.9 per cent of the market.
Smartphone vendor market share in 201522.515.97.35.14.644.62015 market share (%)SamsungAppleHuaweiLenovo*XiaomiOthers05101520253035404550Samsung 2015 market share (%): 22.5
Consequently Apple's share of the smartphone operating system market also fell, from 20.4 per cent in the final months of 2014 to 17.7 per cent in the third quarter of 2015. Google's Android share rose 4.7 per cent from 76 per cent the previous year to 80.7 per cent in 2015.
Smartphone sales via operating system, 4Q14 - 4Q157620.42.80.50.480.717.71.10.20.24Q14 Market Share (%)4Q15 Market Share (%)AndroidiOSWindowsBlackberryOthers020406080100Android 4Q14 Market Share (%): 76
Last month Apple announced it expected to report its first decline in iPhone sales since the device's introduction in 2007,  in the second quarter of 2016,following the company's lowest iPhone sales figure to date.
The statistics are indicative of the wider slowdown in smartphone sales, as consumers in developed markets own more smartphones and tablets than ever before, and are replacing them at a slower rate than in the past. Weak international currency and fears of economic slowdown - particularly in China - are also contributing factors.
In total, around 1.4 billion smartphones were shipped last year, which, while a 9.4 per cent rise over the same period in 2014, was the slowest rate of growth in the sector since its early days in 2008.
Chinese vendor Huawei was the year's success story after increasing its sales by 53 per cent, making it the world's third-largest vendor. Huawei previously announced it sold more than 100 million smartphones during 2015, a figure Gartner places at around 104 million. 
Fellow China-based brand Xiaomi's sales were revealed to be worse than predicted, after the company claimed to have sold more than 70 million units during 2015, down from its previous estimate of 80 million, which had been revised from the original projection of 100 million. According to Gartner, the company sold closer to 65 million smartphones.
The 'others' band, which includes LG, HTC, Sony and BlackBerry, accounted for just under 45 per cent of the total market in 2015, selling some 635 million phones.
Mobile World Congress, the world's largest mobile phone symposium, is set to kick off in Barcelona at the end of this week. New smartphones from Samsung, LG and Xiaomi are expected to invigorate this year's mobile release cycle, while Apple is widely rumoured to be preparing to launch a new entry-level handset called the iPhone 5se at a separate event on March 15, before going on sale three days later. The iPhone 7 is expected to be released in September.

Tuesday, 16 February 2016

iPhone 5se to go on sale as early as March 18


                          iPhone 5se

The iPhone 5se will go on sale three days after its big reveal, hitting shelves on Friday March 18, according to new reports.
Apple is preparing to unveil the 4-inch smartphone on Tuesday March 15 alongside the iPad Air 3 and some new Apple Watch straps, and will be available as early as the Friday after, 9to5Mac has reported.
The Californian company typically leaves two weeks between the announcement of an iPhone and its retail date: for example, while the iPhone 6s and 6s Plus were launched on September 9 last year, they did not go on sale in the UK until September 25.
The iPhone 5se is expected to sport new features including  an upgraded camera, Apple Pay and Live Photos, catering to customers who may remain unconvinced by the 4.7-inch and 5.5-inch displays introduced with the iPhone 6 and 6 Plus in September 2014. It will come in the same range of shades as the 6s range - rose gold, gold, silver and space grey.

$500 Tesla Model S for kids coming in May!

                               radio flyer models kids

he Tesla Model S has gotten a kid-friendly makeover.

Radio Flyer, which makes the famous little red wagons and tricycles, announced on its website that it will soon begin shipping mini Tesla Model S cars for kids for $499 each.
Pre-orders are now open and the cars will ship in May.
The one-seater cars were created in collaboration with Tesla (TSLA)and are for kids between the ages of three to eight. The cars come in three colors: red, blue and "midnight silver metallic." They boast special lithium ion batteries that are supposed to charge faster and last longer than any other battery-powered kiddy car.
"This baby Model S really is quite fun," tweeted Tesla's CEO Elon Musk.

Wednesday, 20 January 2016

Facebook-owned WhatsApp to stop charging $1 subscription fee

                           whatsapp

WhatsApp knows nothing beats free.

The company recently announced that it would stop charging customers a $1 subscription fee. WhatsApp had previously given people just one free year of the service before charging the $1 annual fee.
News of the change was made in a blog post on the WhatsApp website.
The company, which is owned by Facebook (FBTech30), said it had nearly a billion customers around the world who use the app to stay in touch with friends, family and even patients.
WhatsApp said it had decided to stop charging because "as we've grown, we've found that this approach hasn't worked well" -- many users don't have a debit or credit card.
The change will take effect over the "next several weeks."
WhatsApp also addressed concerns about third-party ads -- it doesn't plan to use them. Instead it will "test tools" to help customers contact and respond to businesses and organizations of their choice.
"That could mean communicating with your bank about whether a recent transaction was fraudulent, or with an airline about a delayed flight," the statement said. "We all get these messages elsewhere today ... so we want to test new tools to make this easier to do on WhatsApp, while still giving you an experience without third-party ads and spam."