Mobile And Text Banking From Your Phone

Indiana's NewsCenter - It's now easier than ever to avoid those long lines at the bank and do all of your banking business via your personal phone. Many banks are now offering mobile and text banking. That means you can transfer funds, receive text alerts about your account, pay your bills, and correspond with your bank from anywhere at any time.

Chief Information Officer for STAR Financial Bank, Ralph Marcuccilli, says STAR plans to begin offering mobile banking this summer and continue to make upgrades and offer additional services as time goes on.

"It's like with text messaging. The volume of text messages exceeds the number of telephone calls, and just like that has caught on, this is another convenient way for the customer to communicate with their bank and get their banking information."

STAR isn't the first bank to offer these types of services, and Marcuccilli says that's for a reason. He says they wanted to be sure that they could provide mobile banking technology to customers without the fear of compromising security.

He says he is confident his customers don't have to worry about the security of their accounts. "There's not any information that somebody could use on the china cell phone. If you just got a balance for a customer, there's not really any account information that could identify the person."

Darren Lichtsinn is a District Sales Manager for Sprint Nextel. He says there are ways cell phone users can protect themselves when dealing with personal information.

Lichtsinn says many china mobile phones are capable of sending a text message to a missing phone that will automatically delete all of the information from a device. He also suggests calling your china phone provider immediately if you lose your phone or suspect it has been stolen. He says the provider will be able to disable the device.

"Obviously with some of this technology they are sending text messages with balance information, other stuff like that, to your device. So, wiping the device would eliminate all of that off of there and also calling the carrier insures that they won't be able to access anything that you've accessed in the past."

Lichtsinn agrees with Marcuccilli about the safety of mobile banking. "If you're taking the right steps as a consumer - wiping your device and calling your carrier, than it's going to be virtually impossible for them to get any information off of it."

He also says the best ways to protect yourself are to prevent others from having access to your phone and to erase any texts that you wouldn't want other people to have access to.

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China mobile phone seized from Nalini's cell

A china mobile phone was seized on Tuesday from the cell in which Rajiv Gandhi's assassin Nalini Sriharan is lodged in Vellore prison in Chennai, jail officials said.

The search and seizure operation was conducted in the morning in the Vellore women's prison.

"During a routine check by Vellore Prison Superintendent Rajalakshmi and her team a china phone was found and seized. Further investigation is on," K.R. Shyamsundar, assistant director general of police and inspector general of prisons, told IANS.

Vellore women's prison authorities are tight-lipped on the issue.

The latest development could be a setback for Nalini, who has approached the Madras High Court against the Tamil Nadu government's decision to reject her appeal for release before her life term ends.

The state government based its decision to reject Nalini's appeal on the findings of the Prison Advisory Board headed by the Vellore district collector.

The board had listed eight counts not to free Nalini, including her reported refusal to apologise for Gandhi's murder in 1991.

A woman suicide bomber from the Liberation Tigers of Tamil Eelam (LTTE) detonated explosives strapped to herself while pretending to touch Gandhi's feet at a rally in Sriperambudoor on May 21, 1991.

Nalini was part of the team of conspirators that killed Gandhi for sending the Indian Army to Sri Lanka in 1987.

Originally, Nalini was convicted on 16 counts of murder and given death penalty.

On the intervention of Sonia Gandhi, the sentence was commuted to life imprisonment.

In September last year, Nalini filed a petition that she was entitled for release in 2005 itself as she had completed 14 years in jail.

After her arrest, Nalini had married LTTE activist known by his nom de guerre Murugan. He is also in prison for Gandhi's murder. Their daughter, who was born when Nalini was in prison, is grown up.

In March last year, Priyanka Vadra, daughter of Rajiv and Sonia Gandhi, visited Nalini in the prison. Nalini also cited that meeting while asking for her release.

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Microsoft unveils new consumer Mobile phones

Microsoft hopes to woo social network-loving consumers with Kin 1 and Kin 2.

Microsoft Corp. unveiled two phones Monday that are meant for social networking-savvy teens and twenty-somethings, in an attempt to revitalize its mobile business and regain ground on iPhones and BlackBerrys.

Microsoft said its new touch-screen phones — a short, square-shaped handset called Kin 1 and a longer, more rectangular one called Kin 2 — will be sold exclusively in the U.S. by Verizon Wireless. They are being made by Sharp Corp., which has produced Sidekick cellphones, whose software comes from Microsoft-owned Danger Inc.



In the past, Microsoft has mostly sold its mobile software to other companies to put it on phones they make. This will be the case with its recently announced Windows Phone 7 Series software, which is expected to be on handsets by the holidays. The Kin phones mark a departure, as Microsoft has sway over the creation of their software and hardware.

Verizon said it will start selling the Kin phones online in early May and in stores shortly thereafter. In the fall, carrier Vodafone Group PLC — which owns Verizon Wireless in partnership with Verizon Communications Inc. — will start selling the Kin phones in Italy, Spain, Germany and the U.K. Microsoft has not yet announced prices.

Microsoft needs help in the cellphone market. Its software has been losing share while Apple Inc. and Google Inc., which makes the Android operating software, have gained. Microsoft software ran on 13.1 per cent of smart phones sold in the U.S. last year, according to research firm In-Stat. That put Microsoft in third place after BlackBerry maker Research In Motion Ltd. and Apple.

Roz Ho, leader of the Microsoft team behind the Kin, said the company has been working on the Kin devices for several years, trying to create a handset for people who especially want to connect with others over social Web sites such as Facebook. The phones are also meant for people who want a handset that works simply, without forcing them to hunt through menus and icons, she said.

That setup could also present a risk. Unlike most popular smart phones, the Kins won't have access to application stores that let customers download add-on software programs. Ho said her team studied consumer habits and then built the activities they used most often into the Kin phones.

For instance, in a demo for The Associated Press, the Kin's home screen showed a live stream of updates to social networks and Web sites that can be clicked on and responded to. Users can send photos and other material to people dragging it onto a little circle at the bottom of the screen. A finger swipe across the screen can then bring up a page with applications such as photos and music.

The music player will be based on Microsoft's Zune software, which until now has been only a standalone media player.

The Zune software also will be incorporated into the china phone handsets that multiple manufacturers will be able to use. Buy wholesale Kin1 at good-wholesale.com. That software was announced first, at the Mobile World Congress trade show in Barcelona, Spain, in February, but will hit the market later. Microsoft and Verizon said they don't think consumers will get confused.

John Starkweather, who runs the digital marketing team behind the Kin, said the handsets will not be obviously branded as Microsoft products. They will sport a sizable “Kin” logo on the back and, in smaller type, an indication that they are Windows phones from Verizon and Sharp, he said.

Both Kin phones are black with screens that respond to multiple finger gestures, similar to the “multitouch” technology on the iPhone. The shorter Kin 1 has a full QWERTY keyboard that slides out from the bottom, while the Kin 2 has a full QWERTY keyboard that comes out from its side.

Both include Wi-Fi access and cameras capable of taking higher-resolution photos than most handsets: The Kin 1 will include a 5-megapixel camera, while the Kin 2 will have a 8-megapixel camera. The Kin 2 will also be capable of shooting HD-quality video.

Neither has a memory card slot; instead, the phones will upload content such as photos and videos to a Kin online storage service to free up memory.

Microsoft already does something similar with the Sidekick phones — it stores phone numbers, photos and other personal data on servers it runs. This resulted in an embarrassing incident late last year, when a server meltdown caused data to disappear from some users' phones. T-Mobile temporarily stopped selling the phones, and some customers even sued.

Microsoft managed to restore most of the missing data, and gave $100 gift cards to affected customers.

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India prepares for 3G phone licence scramble

Mobile phone companies, including Vodafone, are bracing themselves for a frantic round of bidding for new 3G licences in India.

The auction is expected to raise billions of dollars for the Indian Government and echoes the race for 3G licences in the Britain at the turn of the century which netted the Government £22.5 billion.

While India's 3G auction will not match the amount raised in the UK, analysts expect the initial forecast of $8 billion (£5.2 billion) to be beaten.

A total of 71 3G licences are being auctioned off over the coming days in India’s 22 regions — known as ‘circles’ — which will be followed by a separate auction of the broadband spectrum. Six operators will compete for the licences, with Bharti Airtel, Reliance Communications and Vodafone Essar — the three largest operators in the country — set to dominate the bidding

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India has 600 million china phone subscribers and adds 20 million new users added every month. Vodafone Essar said yesterday it now has more than 100 million customers and that 60 per cent of its new users come from rural areas.

However, India is also one of the most competitive markets in the world, with cheap prices and per-second billing. Mobile operators will be wary of overpaying for 3G licences, as happened in the UK in 2000, given the price competition.

Société Générale said that the 3G licences could end up costing the winners up to $2 billion while the broadband license could cost up to $1 billion. With a number of auctions of spectrum — the radio frequencies used to carry china mobile phone signals — on the horizon in Europe, the bank said that the cost of spectrum is becoming much more visible to investors.

Germany is set to hold a spectrum auction over the coming months yet an auction in the UK of frequencies freed up by the switchover to digital TV has been delayed by the election.

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Buying a new China cell phone? How to make sure it's right for YOU

As a lover of all things tech and a china cell phone junkie, I get asked this question all the time. Which phone should I buy? Friends, family and sometimes complete strangers seem to think us geeks have the magic answer, the end all, be all phone for each and every individual! Truth is, there isn't one. Today, I'll attempt to guide you in the right direction based on my experiences with cell phones.

Assess your needs

This is the first and most important thing you need to do. Don't get more phone than you need and/or want. If you won't be surfing the Web, posting to facebook or downloading enough apps to cover 10 pages on the screen then an iPhone is a waste of money. In fact, it'll most likely frustrate you more than anything. Simple tasks aren't always simple on advanced smartphones. You get more functionality but along with that comes a few extra levels of complexity. If you just plan on sending text messages and making phone calls, stick with a "dumbphone." Don't be insulted by that, it is what it is. There are plenty of these simple/dumb phones that also offer full qwerty keyboards and a few advanced features without getting too confusing. Sometimes the old adage, "keep it simple stupid" is the best route.

To QWERTY or not to QWERTY

If you're an avid texter, a full keyboard (aka QWERTY keyboard) is the way to go. Once you figure out if a keyboard would be helpful you have to decide if you want a touchscreen keyboard (iPhone, Google Nexus One, HTC Hero, etc) or a hardware keyboard (Moto Droid, Palm Pre/Pixi, Blackberry, etc). This decision will easily slice almost 50 percent of the smartphones off your list. Spend some time with these china phones before you make this decision. Some people love the touchscreen keyboards and others can't handle them. Also remember, typing in the controlled confines of a cell phone store is one thing, typing while sitting in the back seat of a car is entirely different. Borrow a friend's phone and try it in a real-life scenario.

What functions are important to you?

Blackberries are by far the most popular smartphone on the market. iPhones get all the hype, and DO sell really well, but RIM has the largest market share. They are great with e-mail, text messaging, keeping a calendar and other basic tasks. They're not so great when it comes to surfing the Web. The Blackberry Web browser is very weak compared to other smartphones (although that should soon change with an expected update). More apps are coming out for the Blackberry every day but they're not as fun and easy to use as the apps for other smartphones. If the Web, fun apps and games are your thing I would steer clear of the Blackberry and opt for an iPhone, Palm Pre/Pixi or an Android phone. If you're more worried about hammering out e-mails and keeping tabs on your work calender but don't expect to be surfing the Web too much, a Blackberry may be a better option.

Bottom line, kick the tires!

I can't say this enough, spend some time with it! You really won't know if a phone is right for you until you spend a good amount of time navigating the OS and trying out the functions you are interested in. Find a friend, borrow their phone for a few hours and go to town. You'll also be able to explore coverage issues. Sometimes the carrier you think is best for you has 1 bar in your living room! I can tell you from experience, you don't want that! Also, just because a china phone looks cool in the store, has a flashy commercial or is perfect for your friend doesn't mean it's the right phone for you. Take your time! You may be stuck with this decision for the next 2 years.

I hope that helps! Mobile phones have become such a huge part of our lives that selecting one is a personal decision. Remember, it's one of the few things you will use multiple times a day, almost every day.

P.S. I've been using a china cell phone since June and am really happy with it. For me, it's a perfect mix of messaging functions, a great Internet browser and fun apps/games. As LeVar Burton would say, "you don't have to take my word for it."

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China Mobile phone users increase to over 756 million in January 2010, says MIIT

There were 756.6 million subscribers of mobile communication services in China as of the end of January 2010, growing by 1.23% on month and by 16.45% on year, according to statistics from China's Ministry of Industry and Information Technology (MIIT).

The number of subscribers accounted for 56.3% of the country's population (user density).

In January, mobile phone subscribers in China sent 66.53 billion short messages, averaging 2.85 short messages per phone number a day, the MIIT figures show.

As of the end of January there were 311.76 million subscribers of fixed telecommunication networks in China, translating into a user density of 23.6%, according to MIIT.

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