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The mobile wallet is becoming a reality. Apple [AAPL] has already begun plotting to turn your iPhone into an iWallet which uses iTunes as your virtual bank.

The company this week begins rolling out its EasyPay payment system in US retail stores. Available inside Apple's own Apple Store for iOS app, EasyPay lets users purchase accessories at Apple retail stores just by scanning in the barcode and completing the transaction on their iOS device.

Payment is taken using your Apple ID. Users need to enter their ID and then payment is taken using the credit card associated with their iTunes account.

The rumored update to the Apple Store app for iPhone, which we noted last week could revolutionize retail, has arrived, albeit a bit later than expected. Apple Store 2.0 brings many improvements, the most noteworthy among them being Personal Pickup and EasyPay services.

As reported, the app now allows you to purchase items directly for in-store pickup, available within an hour if it’s in stock at the local store of your choosing. If an item isn’t available, the expected ship times listed in the online store appear to apply. You can also now order custom Mac configurations (with more RAM, bigger hard drives, etc.) for in-store pickup through the app.

The other big new addition is EasyPay, which allows you to scan the bar codes of items you wish to purchase in-store with your iPhone’s camera (iPhone 4 or 4S only) and then pay for them directly in the app through your iTunes account. The app keeps your EasyPay purchase receipts, which should come in handy if you ever have to provide proof of purchase to in-store security on your way out the door.

Let's take a closer look at some of the arguments being thrown about as evidence that Steve Jobs is wrong about Android: Android Existed Before iOS Was Conceived

I have no idea when Jobs or Apple actually conceived iOS, but Android--the company--was founded in 2003, and bought by Google in 2005. Based on that simple chronology many Android loyalists and Apple bashers jump to the conclusion that Android couldn't possibly infringe on Apple patents for iOS that wasn't made available until 2007.

Android Isn’t an Exact Copy of iOS Nobody is claiming that it is. Apple (and Microsoft) assert that key portions of Android infringe on technologies and concepts it owns patents for. If Android were an exact replica of iOS it would make the whole court battle thing much easier, but Android doesn't have to look anything like iOS in order to violate specific patents

For Apple fans, the brand triggers a reaction in the brain that's not unlike that of religious devotees, according to a BBC documentary series that cites neurological research. The neuroscientists ran a magnetic resonance imaging (MRI) test on an Apple fanatic and discovered that images of the technology company's gadgets lit up the same parts of the brain as images of a deity do for religious people, the report says. The first episode of the documentary shows Apple employees "whipped up into some sort of crazy, evangelical frenzy" at the recent opening of an Apple store in London. Observers and Apple critics have long accused fans of the tech company of taking their infatuation to an extreme. People have gone to great lengths to prove their love of Apple with tattoos, bumper stickers and home shrines to outmoded Mac computers. Apple's cult-like following was highlighted in a 2009 documentary called "Macheads." A blog, aptly titled Cult of Mac, wrote on Thursday about Oakland, California, resident Gary Allen's cross-country pilgrimage to Apple's first store in Virginia to celebrate the retail chain's 10th anniversary this week.

pple fans, the brand triggers a reaction in the brain that's not unlike

"What would be your first guess about what an app store sells? Don't be fooled, Apple warns, the phrase 'app store' is not generic and can only be used to describe Cupertino's... um, app store? 'Apple denies that, based on their common meaning, the words "app store" together denote a store for apps,' Apple said in a Thursday filing with a California district court. All this notwithstanding that Jobs himself used the phrase generically while referring to Android app stores. We've previously discussed this ongoing legal battle."

For those of us who have grown accustomed to purchasing things from our laptops, tablets and smartphones, the experience of walking into a physical store and standing in line can get tiresome. It's hard to top the immediacy and convenience of online and mobile shopping. Yet, there are still plenty of items that are best purchased in person.

Apple hopes to bridge the gap between these digital and physical worlds. The company just released an update to its Apple Store app for iOS. Using the application, customers can not only purchase Apple products like they can on the Apple website, but they can now opt to pick them up in person at one of the company's many retail locations.

The app can also be used as a sort of self check-out scanner for certain accessories in Apple stores. Need a new case for your iPhone or a power adaptor for your MacBook? Now you can scan the item with your phone's camera, pay for it in the app and be on your way.

Barclays Group analyst Ben Reitzes spoke to Apple CEO Tim Cook and CFO Peter Oppenheimer about the threat the new $199 e-reader/tablet hybrid poses to their uber-dominant iPad. Apparently the two execs were as cool as ice cubes in a fire-proof box on the matter. After the conversation, Reitzes wrote in a note to investors that the low price point will likely make some waves, but that the Android-based Kindle Fire also means more fragmentation in the tablet market--a phenomenon that has helped keep the iPad on top of the heap. Here's more of what Reitzes had to say:

While compatible with Android, the Apps work with Amazon products. The more fragmentation, the better, says Apple, since that could drive more consumers to the stable Apple platform. We believe that Apple will get more aggressive on price with the iPad eventually but not compromise the product quality and experience.

That remains to be seen. Amazon has so far contended that it's not looking to compete head-to-head with the iPad. The Kindle Fire's specs are significantly more spartan than those of Apple's slate, and--coupled with the disruptive price point--target a completely different type of tablet buyer (the iPad 2 starts at $499).

"According to ZDNet, the volume of in-the-wild malware reports on discussions.apple.com is truly exceptional. With the launch of the first malware DIY kit for OS X earlier this month, and now this, has the malware industry threat finally caught up with the growth of Apple, and what do Mac users need to do?"

With more than 200 million mobile users, Facebook and its currency platform Credits is poised to be the future of how we pay for both virtual and physical goods.

Right now there are various different technologies and start-ups actively looking at ways to penetrate the mobile payments market. Each company has taken a different approach, from digital bar codes to near field communication (NFC).

Introduced in May of 2009, Facebook Credits was originally designed as a virtual currency to allow people to make purchases within games and non-gaming applications on the Facebook platform.

Mobile Flash is being killed off.

The plugin that launched a thousand online forum arguments and a technology standoff between Apple and the format's creator, Adobe, will no longer be developed for mobile browsers, the company said in a note that will accompany a financial briefing to analysts.

Instead the company will focus on development around HTML5 technologies, which enable modern browsers to do essentially the same functions as Flash did but without relying on Adobe's proprietary technologies, and which can be implemented across platforms.

Apple has informed iPhone/iPod Touch application developers that they can't include location-based advertising within their apps. The move has intensified rumors that Apple is planning to launch its own mobile advertising network. Google clearly seems to be the target here. Google recently acquired AdMob, one of the most popular mobile ad networks. Will Google "retaliate" by closing down options for Android developers? It doesn't seem like that type of policy would match their m.o. What's more, by owning AdMob, it's difficult to see why they would feel threatened by other competitors. Apple's move seems to be a step in the wrong direction. Developers who put out free apps generally try to get revenue from in-app advertising. Location-based advertising, while still in its infancy, is truly the key to mobile ads. If a company can know that you're in the vicinity, they could send you a coupon incentivizing you to visit their store and make a purchase. Of course, location-based advertising should always include an opt-in or opt-out policy, but privacy doesn't appear to be Apple's main concern here. Apple did acquire mobile ad network Quattro Wireless recently.

"The folks over at Mac Mini Vault jailbroke an Apple TV, stuck lighttpd on it, and connected it up to the internet in the name of fun hacking. 'This project was a fun way to see how far we could take the A4 powered Apple TV. The Apple TV is running iOS 4.2.2 (obviously jailbroken) with lighttpd for a web server.'"

Of the 65.2 million tablets predicted to be shipped in 2011, Apple will continue to dominate the tablet market with 40 million iPad shipments and hold a 61% share of the market, a new research report from Digitimes reveals. In the first six months of 2011, tablet shipments increased more than 420% from the previous year, with sales expected to increase into the second half to boost the number of shipments by 150% from a year earlier. Apple is expected to contribute more than 25.5 million iPad shipments in the second half of the year alone, up 76% compared to the first half of the year.

Has Android copied elements from Apple's iOS? It's not a matter that Google's senior managers for the Android operating system want to get involved in.Hugo Barra, product management director for Android at Google, insisted in London on Tuesday that he hadn't heard the revelations that emerged last Friday from the Steve Jobs biography: that the late Apple chief executive "swore to destroy Android", and was so furious at what he saw as copying implemented in Android 2.1 on HTC phones released in January 2010 that he summoned Eric Schmidt to a meeting in March and said he wanted it stopped.

Barra declined to answer when asked Google had implemented a "feature freeze" on Ice Cream Sandwich, the new version of Android which will be implemented in phones due for delivery from next month. A "feature freeze" is the point at which no new features are added to code, so that it can be tested and refined: "That's an internal matter," he said.

Leading coffee chain Starbucks is bringing its mobile payment system to its chain of 700 stores in the UK, allowing owners of the Apple iPhone to make payments for their purchase straight from their handset.

The mobile payment service is already up and running in the US, and is scheduled to launch in the UK from January 5th, when the mobile app should be launched in the Apple App Store.

The company claim that customers using the service reduce transaction time by around 10 seconds, which soon adds up when you are serving hundreds of customers a day. Customers who use the app can still get Starbucks freebies and other promotions added to their account.

Apple has not removed any apps from its App Store for violations related to location-based services, Apple executive Guy Tribble told a Senate subcommittee Tuesday. In most cases, Apple tries to identify potentially troublesome apps before they are admitted into the App Store or work with the developer to resolve any issues that arise, Tribble told the Senate Judiciary Subcommittee on Privacy, Technology and the Law during a hearing on cell phone location services.

How could Google, the high priest of the cloud and the parent of Android, analytics and AdWords/AdSense, not be a standard-setter for platform creation?

Amazon's strategy seems to be to embrace "open" Android and use it to make a platform that's proprietary to Amazon, that's a heck of a story to watch unfold in the months ahead. Even more so, knowing that Amazon has serious platform mojo.

Case in point, what company other than Apple could have executed something even remotely as rich and well-integrated as the simultaneous release of iOS 5, iCloud and iPhone 4S, the latter of which sold four million units in its first weekend of availability?

This year, NFC technology will finally make its way into the hands of millions of users. This will be spurred along by new smartphones, notably from Android, that have NFC capabilities baked into them. The technology industry is waiting to see if and when Apple decides to put NFC into the iPhone. Many pundits think that when Apple goes NFC, that will be the true harbinger of the heyday for mobile payments. As it stands, Apple's newest iPhone 4S is three months old and a new one will not be released till the third or fourth quarters of 2012, if at all.

It is still a cash world, with about 85% of transactions still being made with paper currency. It behooves the financial system and their technology partners to shift those scales. Even a 1% increase in digital payments means billions dollars flowing through the ecosystem.

Mobility will reshape the credit card and payment industry.

MasterCard, the longtime credit card and payments processor, wants to reposition itself as a technology company. Throughout the latter half of 2011, it has been pushing hard on the technosphere to make sure that journalists and bloggers know the company is doing some cool stuff around payments research and the cutting edge of technology, like NFC, audio signals and QR codes that can lead to purchases through smartphones.

It now comes as no surprise that MasterCard has announced a partnership with Intel on a multi-year strategic partnership that is intended to enhance the security and payment experience for digital commerce. These are two titans in the tech and financial industries and shows one of the first steps of these two industries merging in the future.

Making A Dent In The 85%