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I was hoping for dual cores and iOS5 (notification feature mainly).

My brother is saying they will be integrating a credit card system. That could be possible.

Sounds like he was referring to the near-field communications hardware rumors.

Integrated CC system sounds much too niche, especially with Square and similar solutions.

In the future, all your cards will be on your "mobile" device.

In the future, all your cards will be public keys that can be revoked.