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how do i get her new version update for my samsung its at  version 2.3.4 is there a higher version i can go to

hello someone commented on this before but i accidently earaises the reply well my inq cloud has a pattern pin, all i can do is emergency calls, cant get into phone how do i do a factory reset or get into this phone please

my inq cloud has a pattern pin on it to unlock phone, i can only make emergency calls, i cant get into phone, how does a person do a factory reset