Powered by Guardian.co.ukMaqaalkaan oo cinwaankeedu ahaa “Apple Pay: wajiyo cusub oo scammers” waxaa qoray Charles Arthur, waayo theguardian.com on Monday 2nd March 2015 08.00 UTC

Denbiilayaasha ee Mareykanka waxaa la isticmaalayo nidaamka cusub ee Apple Pay mobile-bixinta si ay u iibsadaan alaabta-qiimaha sare - inta badan ka Apple Dukaamada - aqoonsiyada xaday iyo faahfaahinta kaarka deynta.

Banks ayaa lagu qabtay by yaab by heerka musuqmaasuq, iyo Guardian ayaa ogaatay in qaar ka mid ah waxaa gurguurato si loo hubiyo in xaqiijinta wanaagsan iyo hubinta nidaamka yihiin isla meel dhigay in ay ka hortagaan dhibaatada ordaya faraha ka baxay, ku dhawaad ​​laba milyan oo Maraykan ah oo hore u isticmaali nidaamka.

dad qalato ah ayaan jebiyey encryption soo adkeeyeen agagaarka Apple Pay ee faraha-shaqeysiin wireless farsamo bixinta. Halkii, oo waxay ku kor dejinta iPhone cusub oo macluumaad shakhsiyeed oo la xaday, oo markaas ugu yeeray bangiyada in ay "bixinta" card dhibbanaha telefoonka loo isticmaalo si ay u iibsadaan alaabta.

Denbiilayaasha la IDs xaday la fahamsan yahay inay beegsaday Apple Dukaamada gaar ahaan, maxaa yeelay, labadooduba ay aqbalaan Apple Pay iyo bixiyaan alaabta-qiimaha sare, taas oo ka dibna waa la iibin karaa lacag caddaan ah.

credit card ama debit A kaliya lagu dari karaa si Apple Bixi marka soo saarista alwaaxdii saqafka haysay bangiga ay ka badan version ah lo of faahfaahinta kaarka in uu kaydiyo telefoonka - taas oo ay tahay in la sameeyo oo keliya marka qaarkood mulkiilaha dhabta ah waa la isticmaalayo.

Si kastaba ha ahaatee, khiyaamo isticmaalaya IDs xaday la fahamsan yahay inuu aad uga badan ayaa la filayaa, iyadoo wadarta khasaaraha hore u socda galay malaayiin, sida laga soo xigtay ilo warshadaha. Taasi barbar qiimo ah la filayo ee ku saabsan $ 5bn lacagta tafaariiqda smartphone-ku-saleysan Mareykanka sanadkan.

Apple ee pages taageero u adeega ayaa sheegay in: "Marka aad ku dari credit ama debit card ah in Apple Pay ... Apple u dirayaa xogta Windows XP, oo ay la socdaan macluumaadka kale ee ku saabsan dhaqdhaqaaqa account iTunes iyo qalab (sida magaca qalab aad, ay goobta ay hadda joogaan, ama haddii aad leedahay taariikh dheer oo xawaalad gudahood iTunes) si aad bangiga. Isticmaalka xogtan, bangigaaga go'aamin doona in la ansixiyo isagoo intaa ku daray in ay kaarka Apple Pay. "

bangiyada Maraykanka isticmaalayso ah "Jidka cagaaran" kaararka ay si toos ah ansixin iska xogta sida, oo ah "Jidka jaalaha ah" kaararka baahan jeegag dheeraad ah. Laakiin bangiyada qaar ka mid ah ayaa aad u fudud oo lagu sameeyo hawl adoo waydiinaya soo wacaya si loo xaqiijiyo aqoonsiga la afarta lambar ee ay lambarka amniga bulshada (SSN).

In kastoo loogu tala galay in ay noqon qarsoon, SSN caadi xaday ee xatooyada aqoonsiga, iyo celcelis ahaan 11.5 million oo Maraykan ah dhibanayaasha khiyaamo aqoonsiga sannad kasta, sida lagu sheegay xog US, iyadoo dhacdada celcelis ahaan aad ujecel $4,930. In 2013 wadarta khasaaraha ka khiyaamo ID ee Maraykanka ahayd $ 24.7bn. saddex-meelood laba ka mid ah xaaladaha ku dhow lug faahfaahinta kaarka deynta.

"Halkaa marka ay marayso, saaraha kasta [bangiga] ee Apple Pay ayaa arkeen khiyaamo weyn provisioning socda via account macaamiisha wareegay,"Ayuu yiri Ibraahim Cherian, a-bixinta mobile takhasus waa kan taliye kooxaha maaliyadda US, on inuu blog.

Waxa uu sheegay in burcad abaabulan ka dambeeyeen fiisa ah: "Mararka qaar, khaa'imiintan waxaa wacaya [bangiga ee] wac isu xarunta si 'iyaga digaya in safar ka mid ah magaalada si xeerarka khiyaamo raadinaya cillado macaamil ganacsi (sida nool macaamiisha ee California iyo transacting ee Miami) aadan ku turaanturoon kor [sida] xawaalad been abuur. "

Apple Pay, soo bandhigay in October 2014 oo kaliya laga heli karaa on iPhone 6 iyo 6 Plus telefoonada sii daayay sanadkii la soo dhaafay, ogolaanaysaa dadka isticmaala bixin by haysta ay phone dhow terminal lacag NFC-qalabeysan oo markaas loo xaqiijiyo aqoonsiga la iPhone ee la dhisay-in akhristaha faraha.

Arbacada, JP Morgan Chase sheegay call Maal ah in ka badan hal milyan oo macaamiil ah ayaa ku daray kaararka debit oo credit adeegga Apple ee, halka Bank of America ayaa hore u sheegay in 800,000 qof ayaa ku daray kaararka 1.1 dhamaadka 2014 - Hubaal yelsinkii habka lacag bixinta mobile ah u dega ee Maraykanka, barakiciyay Salada Google, taas oo bilaabey 2011. Inkastoo la heli karo marka hore, Salada ayaa Muga macaamil ganacsi aad u yar sabab u la'aanta ah ee boosteejada NFC iyo interface ka sii adag, khubaro tafaariiqda odhan. Google ma la siiyaa wixii xog ah oo ku saabsan sida badan dadka isticmaala waxa ay leedahay waayo Salada Google.

Afhayeen u hadlay Apple ku celiyay in hab ay aamin ah bixinta faahfaahinta kaarka lagu kaydiyaa on telefoonka lahaa ayaan weli la jebiyey.

"Apple Pay waxaa loogu talagalay in aad u ammaan ah iyo ilaalinta macluumaadka shakhsiyeed user ah ee,"Afhayeen u hadlay ayaa sheegay in. "Intii Mudanayaasha Apple Pay u baahan bangiyada si loo xaqiijiyo kaarka kasta oo oo bangiga ka dibna go'aaminaya waxaana ogolaanaya in kaarka lagu dari karaa si Apple Pay. Bangiyada waxaa had iyo jeer dib u hagaajinta iyo habka ogolaanshaha ay, oo kala duwan oo ay bangiga. "

None of bangiyada Maraykanka in ay bixiyaan Apple bixin xidhiidhay Guardian ayaa kaala hadli lahaa heerarka musuqmaasuq.

Laakiin waxaa la fahamsan yahay in bangiyada Maraykanka raadinaya habab dheeraad ah oo xoogan si loo xaqiijiyo aqoonsiga dadka ka hor inta ku daray kaarka si ay hawsha. Ibraahim oo ka digtay: "Qolfo Musuqmaasuqa - xarumaha call ma samayn. Waxaa uu leeyahay in uu noqdo hab iswada waa in aan la arki karin, laakiin aamin. In gocasho wax ka Apple oo kaliya samayn kari lahaa fiican waxay ahayd inuu rajayn dhibaatada, ka dhigtay in ay khasab ah [inay u yeedhaan] oo ka caawiyey dhiso 'jidka jaalaha ah' ka wanaagsan. "

Tim Sloane, Madaxweyne ku xigeenka ka mid ah lacagaha hal-abuurka ee latalin dhaqaale Mercator Group-ku-saleysan Massachusetts, sheegay: "Kuwani waa laga yaabaa in qaar ka mid ah oo kaliya dhibaato ilko. Haddii bangiyada kawin kartaa hoos sugida ah, inay arkaan musuqmaasuq yar on Apple Pay,"Oo intaa ku daray: "Battle qorshaynayso mar walba eegto weyn ilaa aad la kulanto cadowga."

Dave Birch, a khabiir lacagta mobile salaysan UK-, u sheegay The Guardian: "UK waxaa laga yaabaa in aanay noqon doona a 'jidka cagaaran'" - taasoo la micno ah in dadka ay leeyihiin lahaa inuu u soo yeedho ay bangiga ku darto card kasta si Apple Pay mar waxaa halkan soo bandhigay.

Maraykanka dambaysaa badan dunida in ay korsato nidaamka lacag bixinta tafaariiqda ammaan iyo lacagta mobile. nidaamyada "Chip iyo Pin", loo isticmaalo Europe oo dhan sanado, kaliya waxay noqon doontaa khasab dalka Maraykanka ka dib sannadkan. Sida dukaano bedelo nidaamka jir karbaash magnetic, oo waxay ahaayeen nugul khiyaano baahsan, kuwo cusub, waxay sidoo kale waxaa ku daray awoodaha NFC, horay loo isticmaalo UK ee kaararka Oyster iyo dukaamo badan.

Ibraahim ayaa sheegay in: "Musuqmaasuqa ee Apple Pay ... yimid sida la yaab leh oo dhan", isagoo intaa ku daray in isku halleeya oo aad u badan ayaa la dhigay in ammaanka on-qalab: "Underbelly The jilicsan cadeeyay inuu yahay [ka] provisioning kaararka ".

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