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I was about to rant about Apple Pay until I read further, and it makes sense that the security shortcomings are due in large part to the banks' inability to understand and carry out security with these types of transactions.
I get the feeling many banks know they are in over there heads when it comes to these mobile payments, but since it was Apple they just couldn't admit it.
I did not realize SSN#'s were so ingrained into their authentication process, but as a result of breeches it is certainly time to rethink using this as a be all, end all.
Those days are over. Thanks big business. What would we do without you ?
Probably still have our identities - But of course it is too late for that.
I don't understand the chip/signature rationale either. Is a signature supposed to be more secure than a pin # ? The Banks need some serious help, and I have a group of experts willing for a fee (of course).
"...As you know we have that system here in Europe for many years and very few people complain."
@Pablo This is where that arrogance comes in that I mentioned earlier. Go to Europe and see how others are doing it ? No Way. Europe is only for vacations and hiding assets.
Recently read that Target is cutting thousands of jobs due in large part to their recent breech. Same old story. CEO keeps his or her job (not quite sure if they axed that pho CIO they had) but as usual the focus is misplaced.
And as usual those who had nothing to do with it must pay for it.
@Marilyn Ah Thank you ! So there is some justice, not much but some.
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1 Comments
User Rank: Apprentice
3/5/2015 | 1:19:45 AM
Threats that can be thwarted by biometric products operated together with fallback/backup passwords can be thwarted more securely by passwords only.
We could be certain that biometrics would help for better security only when it is operated together with another factor by AND/Conjunction (we need to go through both of the two), not when operated with another factor by OR/Disjunction (we need only to go through either one of the two) as in the cases of Touch ID and many other biometric products on the market that require a backup/fallback password, which only increase the convenience by bringing down the security.