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Apple Pay Ups Payment Security But PoS Threats Remain
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Technocrati
Technocrati,
User Rank: Ninja
9/11/2014 | 9:13:36 PM
Re: Note quite 3-factor authentication ...

@Some Guy   I have to wonder about this finger print authentication.   How  does this work exactly in a global sense  ?    Is there a database with endless numbers of scanned fingerprints in it ?   

 

Sounds funny but  I bet I am not too far off.

Technocrati
Technocrati,
User Rank: Ninja
9/11/2014 | 9:09:49 PM
Apple creates De Facto Standard ?

Really found this subject to be a very fascinating read Sarah.  With Apple jumping head first into the mobile payments arena - I was really interested in see how they expect to pull this off.  Otherwise it is a headache not many wanted to deal with until Apple decided to get out in front of this.

This token system is a good idea, but it too as you mention will be compromised as well by hackers in time.  But I guess the industry had to start somewhere - and it is an improvement over magnetic cards ...etc.  

I am not so sure I particularly like using my phone for purchases - though I pay bills occasionally but for the most part I don't want to use my phone for transactions.  I may be in the minority here - as I do not have an iPhone either.

My question is who is governing this new method of payment transmission ?   The FTC ?  Seems to me Apple just created a de facto standard ?

Some Guy
Some Guy,
User Rank: Moderator
9/11/2014 | 11:10:02 AM
Note quite 3-factor authentication ...
"If you use both a passcode and a fingerprint to secure your device, then every purchase you make uses the authentication trifecta: something you know (the passcode), something you have (the device), and something you are (the fingerprint)."

So it's close but not quite 3-factor authentication, because it doesn't require all three at the same time. Simply possessing the device while it's still unlocked and keeping it unlocked allows you to operate it in 1-factor mode at NFC terminals ... forever. Any pickpocket worth his salt can do that.
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