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Apple Pay Ups Payment Security But PoS Threats Remain
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msspotlight
msspotlight,
User Rank: Apprentice
10/7/2014 | 12:40:53 PM
TIMA hardware chip?
My question is this....is the HW chip where the token is stored TIMA?
msspotlight
msspotlight,
User Rank: Apprentice
10/7/2014 | 12:35:40 PM
Re: Note quite 3-factor authentication ...
It depends on the encryption algorithm. If it is say for example AES 256 it would take years to crack not to mention they would have to physically have your device which if this was the case you know it's gone and can call your CC company and cancel the card.
Technocrati
Technocrati,
User Rank: Ninja
9/18/2014 | 5:11:09 AM
Re: Apple creates De Facto Standard ?

@Sara     Welcome back !   I see.  Well, I really enjoyed the topic - I was initially very curious as to how Apple plans to address this potential security nightmare.

But after discussions with my peers along this thread and of course your work - I have a better understanding of just how Apple plans to pull this off.

Sara Peters
Sara Peters,
User Rank: Author
9/16/2014 | 2:01:38 PM
Re: Note quite 3-factor authentication ...
@GonzSTL  I completely agree with you on this:  "Why not just make two-factor authentication required for using Apple Pay?" They could prompt users for both a fingerprint and a password even if the device isn't locked at the time that they make a purchase.
Sara Peters
Sara Peters,
User Rank: Author
9/16/2014 | 1:59:07 PM
Re: Apple creates De Facto Standard ?
@Technocrati   Geez, a girl goes on vacation a couple days and you all have a great conversation without me. Thanks for that! 

As to your comment, I find this a fascinating thought: "Who's regulating this? Seems to me Apple just created a de facto standard ?"

I imagine that the PCI Council will have something to say on it as well, and they're probably still making up their minds about it. The near-field communications part isn't the important thing; it's the authentication. 
teck
teck,
User Rank: Apprentice
9/15/2014 | 9:39:58 PM
A few errors in this article
Payment authorization does not require PIN + fingerprint.  The default is fingerprint scan, if that fails a certain number of times (not able to presently disclose) it reverts to PIN.

Apple does not possess the ability to convert a token into its full credit card representation.  Rather that is the role of a TSP (Token Service Provider).  Currently each PNO (AMEX, Visa, M/C) operates its own TSP and thus only they are able to detokenize a token back to the actual credit card data.
Technocrati
Technocrati,
User Rank: Ninja
9/13/2014 | 1:58:26 AM
Re: Apple creates De Facto Standard ?

@GAProgrammer   Interesting.  I had not thought about PayPal, and I think you are right - Apple would love to have a large piece of this market.

Technocrati
Technocrati,
User Rank: Ninja
9/13/2014 | 1:54:29 AM
Re: Note quite 3-factor authentication ...

@GonzSTL    I certainly appreciate your level headed approach to this difficult issue.   I often get the feeling that NFC is a technology that even though the consumer is cool towards the idea, these manufacturers are dying to implement it.

 

I guess the real goal is to make the phone a tool for real-time commercial transactions, but people don't seem to be too excited about it, the uses we have now seem to be more than adequate.  

And I agree, I hope the industry regulates itself but the first thing they probably need to do is to come to grips with the fact that not many want NFC and even if it is forced upon the consumer - they have choices now.

 

I think Apple just might learn this lesson again. 

Technocrati
Technocrati,
User Rank: Ninja
9/13/2014 | 1:46:22 AM
Re: Apple creates De Facto Standard ?

"....More and more of my friends who use iPhones are finding that the device REALLY isn't that great. I know of 10 people in the past 3 months who have ditched theirs for Samsung phones."

 

@GAProgrammer     That is really interesting to hear.  I have noticed this myself - Many  iPhone users don't seem to be as happy as they once were.  It has been a long time since Apple has had a significant new offering and when they did - they went larger, which is just what their competition ( Samsung ) has been doing for years.

Technocrati
Technocrati,
User Rank: Ninja
9/13/2014 | 1:34:51 AM
Re: Note quite 3-factor authentication ...

@Some Guy    I see.   Yes the enabling and the disabling of the service is easy and I think that is the case for phones that have NFC, but there has got to be a better way to transmit the signal.  

Of course I am at a loss for the answer to this plea but we will see if Apple can make this process sexy enough for mass adoption. 

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