November 6, 2014 The Swinging Bridge
MOBILE WALLET By Brianna Keener STUDENT WRITER
pple Inc. is preparing to revolutionize the life of the consumer with its newest innovation -- Apple Pay. Regarded as a “mobile wallet,” this program gives specific iPhone users in the United States the opportunity to pay for consumer goods with their phones. As of Oct. 20, the public was made aware of Apple Pay through an iOS 8.1 update. Seeking to replace the physical moneyholders, Apple’s purpose in creating its new program is to avoid the hassle of searching for credit cards in a purse or a wallet. Built into the iPhone 6, iPhone 6+, and the Apple Watch is an NFC chip which enables the consumer to buy products from stores which have agreed to the Apple Pay Program. Certain apps are also able to be purchased through Apple Pay. According to the Apple CEO Tim Cook, the new program will “forever change the way all of us buy things.” Before making a purchase online or in-
store, one’s credit or debit card must be added to the Passbook app.
Apple has made their new type of payment easily accessible online. When a user has finished their online shopping and decides to checkout, Apple Pay will be available as a means of payment. To use Apple Pay in the store, the screen of the iPhone 6 or 6+ will light up upon nearing the cash register. The iPhone automatically opens Passbook and the user will be able to tap -- on their phone -- their credit card of choice. After paying, the phone will offer a beep and a vibration, signaling that the transaction has gone through correctly. Ensuring safety, Apple Pay utilizes Touch ID on the iPhones to confirm the person making the transaction is the owner of the phone. Thus, transactions will not be able to go through if someone has stolen another’s iPhone. However, Shung Yen Tan, a first-year student at Messiah, explains that she finds the whole program a little risky and gives a word of wisdom for those
who plan to utilize Apple Pay. “For Touch ID, there are 5 fingerprint testers available,” she said. “Make sure you fill in all 5 with your fingerprints; otherwise, a person is able to go into your phone and change the settings to use Touch ID for their fingerprints.” For this reason, she stresses the importance of not sharing your iPhone passcode with others. Though some are concerned about the security of Apple Pay transactions, Apple assures its consumers that its program is entirely safe. In a process referred to as tokenization, Device Account Numbers are created as a replacement of actual credit card numbers. Apple claims that its new program is more secure than a customary credit card payment. The cashier is prevented from seeing any “personally identifying information,” including but not limited to credit card number, full name, and home address. For this reason, Apple Pay users will be unaffected by in-store security breaches that often release credit card numbers.
Photo provided by Mobiquity Inc Furthermore, proof of validity such as a driver’s license will not need to be shown to the cashier as the iPhone keeps record of all personal information necessary for the payment. With regards to privacy, Apple does not track any payments made using its Apple Pay program. Apple’s Vice President of Internet Software and Services Eddy Cue spoke on behalf of Apple Inc: “We are not in the business of collecting your data... Apple doesn’t know what you bought, where you bought it, or how much you paid. The transaction is between you, the merchant, and the bank.” Apple, trying to push its “new mobile payments service” into retail stores and credit card organizations, has now partnered with Visa, Chase, MasterCard, and American Express. Messiah students who are iPhone 6 users have the capability to use this particular program to make purchases both online and in the stores that have accepted the conditions of Apple Pay.
MOVING FORWARD FROM FERGUSON O
By Gabriel Zamora STUDENT WRITER
n Oct. 22, the Multicultural Programs held an alternate chapel which addressed the events that occurred in Ferguson, Mo. This chapel was a chance for discussion and analysis of the events that took place and how a faith perspective could be seen. First and foremost was discussion on the shooting of Michael Brown and the riots that occurred in response. There was also dialogue on the various view points from major news outlets. The chapel prompted much discussion of whether either side was justified in their actions and reactions. After the initial discussion, three faculty members formed a panel. The speakers talked about their initial thoughts, and views on how race played into the events that unfolded.
“Not to sound cliché, but I feel like (the chapel) really was promoting reconciliation on campus...like the fact that 100 or maybe 120 students can get together at Messiah College and can talk about an issue that maybe not everyone agrees on, you know?” Biblical and Religious studies major James Horn said. “And we can still talk about it in a civil manner and hear each other out from different perspectives.”
The chapel then changed focus to the media, with two accounts shown describing different perspectives. The first was a clip of Bill O’Reilly who criticized news network coverage of the event. The second video was of Jon Stewart, who criticized Bill O’Reilly on his reaction. Students said that neither news source focused on the whole story, and that they simply were bashing each other’s political agendas.
Images and videos were shown of the riots. People within the audience said that there was too much anger, misrepresentation, pointing of fingers. Students expressed that there was a lack of either side being heard. Those in attendance also stated that they were shocked at what the police were doing, but that the citizens were not completely innocent. One student said, “How is this still happening?”
Finally the chapel opened up to the faculty for a panel. The panel was comprised of Ben Taylor, the Director of Student Involvement and Leadership Programs; Kevin Williams, the Assistant Director of Residence Life and Special Interest Housing; and Scott Hwang, the Director of Multicultural Programs. When asked of their initial reactions, Williams said, “What is the value of a young, African-American boy’s life? What is its significance?
Am I safe? Will my four year-old son be safe?” “How many kids have to die for this to stop?” Hwang added. He said that he was discouraged by the shooting, but that he was happy that the African-American community was taking a stand. “Jesus stands with those whose backs are against the wall,” Taylor said when asked if they thought this was a body of Christ issue. “That’s what Jesus came to do, and that’s what we are supposed to do.” “We wrestle against spiritual problems. We need to be prayerful about these issues,” Williams also added. Students had many opinions--and takeaways--from the discussion the event created.
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