Apple’s plans to once again change the dynamics of the mobile world are becoming clearer. Bloomberg reported today that the device maker has plans for a universal SIM card that I first reported on in October, and Apple is seeking a way to make it possible for consumers to pay for mobile access from multiple carriers via iTunes. The result of that hardware shift and business model change turns Apple into its own mobile virtual network operator (MVNO) and puts Apple, instead of the carrier, in control of the customer relationship.

The Bloomberg article says:

Apple is working