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A Closer Look: Secure your phone without passcodes

ANICK JESDANUN
AP Technology Writer

NEW YORK (AP) — Passcodes are outdated.

They’re a pain to use, and they aren’t secure when they are based on easy-to-guess digits, such as a birth date or street address. Many people don’t bother using them on phones, even though that means any thief can get instant access to email, banking apps and more. Fortunately, phone makers have started to come up with alternatives to passcodes.

I take a deeper look at those options as I debut an occasional series, A Closer Look. Over the weeks, we’ll explore features in various gadgets and services. Rarely does one feature make or break a buying decision, but these elements collectively might push you in one direction or another. And for those who already own these gadgets, it’s a way to discover features you might not know about.

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— FINGERPRINTS:

Apple included a fingerprint sensor in the iPhone 5s last fall. Later, HTC included one on its HTC One Max, while Samsung added it to its latest flagship phone, the Galaxy S5. Samsung’s Galaxy Tab S tablets also have fingerprint sensors. With all of these, you can unlock the device with your fingerprint and avoid typing in numbers on the screen.

The iPhone’s sensor still works well after nearly a year of use. I begin by training the phone to recognize up to five fingers. To unlock the phone, I simply touch the home button for about a second. It works when my finger is upside down or sideways, but the sensor has trouble when it’s wet or greasy. In such cases, I can go back to using the passcode.

Samsung’s approach is similar, except it recognizes only three fingerprints, and it requires you to swipe down on the home button rather than simply touch it. The fingerprint can be used to authenticate purchases using the PayPal app or to unlock the device’s private mode, which lets you hide photos and other documents you designate as sensitive.

The HTC One Max’s sensor is on the back rather than on the home button. Unfortunately, it often fails to recognize my print. I like that I can instruct the phone to open a particular app automatically depending on the finger I use. The sensor isn’t available with the HTC One M8, which came out in March.

Many security experts have expressed concerns that once a finger’s compromised, you can’t replace it the way you can a passcode.

No one’s saying these measures are foolproof. But they are better than no security, which is what happens when people turn off the passcode feature because it’s too much of a hassle. Since the passcode can be used as a backup, don’t make it easy to guess.

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— ANDROID ALTERNATIVES:

Most Android phones have passcode alternatives under “Security” or “Lock screen” in the settings.

Instead of a numeric passcode, you can opt for a regular password. You improve security by choosing a combination of numbers and letters, some capitalized. You can throw in some punctuation marks, too. Though security improves, convenience drops.

Another option, called Pattern, lets you draw a pattern on the screen. You are presented nine dots, and you must connect at least four of them by swiping on the screen using a pattern you can remember. Your passcode is your fallback.

Though it’s easier to swipe than to type, it’s actually less secure. Someone with the phone can guess your pattern based on smudge marks on the screen.

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— KNOCK, KNOCK:

LG’s new G3 phone gives Pattern a twist.

Picture a square divided into four quadrants. You create a code by tapping on the various quadrants in an order you’ll remember, such as upper left/upper right/lower left/upper right. You need at least three taps, but you can go as long as eight, for more than 80,000 possible combinations.

This approach, known as Knock Code, doesn’t leave smudge marks the way Pattern does.

Plus, you have flexibility in the way you define your quadrants. You can divide the entire phone’s screen into four quadrants, or you can pick a small corner and divide that into quadrants. That way, you’re not being obvious with your taps when you’re in a public place. You don’t have to choose ahead of time. The phone figures it out.

After six failed attempts, you’re required to use your passcode or sign in with your Google account.

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All of these security measures do make it less convenient to use your phone, as it means an extra step to send a quick text message or view a photo. These alternatives aim to reduce the inconvenience enough that you’ll have something in place if your phone falls into the wrong hands.

In a future column, I’ll discuss options for finding your phone or wiping out its data remotely, should your phone get lost or stolen. For now, be sure to check out what your phone offers — and use it.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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