Agbara nipasẹ Guardian.co.ukYi article ti akole “Apple Pay: a titun Furontia fun scammers” a ti kọ nipa Charles Arthur, fun theguardian.com on Monday 2nd March 2015 08.00 UTC

Ọdaràn ni US ti wa ni lilo awọn titun Apple Pay mobile owo eto lati ra ga-iye de - igba lati Apple Stores - pẹlu ji idamo ati kaadi kirẹditi awọn alaye.

Bèbe ti a ti mu nipa iyalenu nipa awọn ipele ti jegudujera, ati awọn Guardian mo wipe diẹ ninu awọn ti wa ni scrambling lati rii daju wipe o dara ayewo ati yiyewo awọn ọna šiše ti wa ni fi ni ibi lati se awọn isoro nṣiṣẹ jade ti Iṣakoso, pẹlu ni ayika meji milionu America tẹlẹ lilo awọn eto.

Awọn burúkú ti ko dà awọn aabo ìsekóòdù ni ayika Apple Pay ká fingerprint-ṣiṣẹ alailowaya owo siseto. dipo, ti won ti wa eto soke titun iPhones pẹlu ji alaye ti ara ẹni, ati ki o si pipe bèbe to "ipese" awọn njiya ká kaadi lori foonu lati lo o lati ra de.

Ọdaràn pẹlu awọn ji ID ti wa ni gbọye to ti ìfọkànsí Apple Stores ni pato nitori nwọn mejeji gba Apple Pay ki o si pese ga-iye awọn ohun, eyi ti o le ki o si wa ni ta lori fun owo.

A gbese tabi debiti kaadi le nikan wa ni afikun si Apple San nigbati awọn oniwe-ipinfunni ifowo nibiti lori ohun ti paroko version of awọn kaadi alaye lati fipamọ lori foonu - eyi ti o yẹ ki o nikan se nigba ti awọn ti gidi eni ti wa ni lilo ti o.

Sibẹsibẹ, jegudujera lilo ji ID ti wa ni gbọye lati wa ni jina ti o ga ju o ti ṣe yẹ, pẹlu lapapọ adanu tẹlẹ nṣiṣẹ sinu milionu, gẹgẹ bi ile ise orisun. Ti o safiwe pẹlu ohun reti iye ti nipa $ 5bn fun foonuiyara-orisun soobu owo sisan ni US odun yi.

Apple ká support ojúewé fun awọn iṣẹ wí pé: "Nigba ti o ba fi kan gbese tabi debiti kaadi to Apple Pay ... Apple rán awọn oseese data, pẹlú pẹlu miiran alaye nipa rẹ iTunes iroyin aṣayan iṣẹ-ṣiṣe ki o si ẹrọ (bi awọn orukọ ti ẹrọ rẹ, awọn oniwe-lọwọlọwọ ipo, tabi ti o ba ti o ba ni a gun itan ti lẹkọ laarin iTunes) si rẹ ifowo. Lilo alaye yi, rẹ ifowo yoo mọ boya lati gba fifi rẹ kaadi to Apple Pay. "

US bèbe ti wa ni lilo a "alawọ ewe ona" fun awọn kaadi ti won fi ọwọ gígùn kuro lori iru data, ati ki o kan "ofeefee ona" fun awọn kaadi nilo diẹ sọwedowo. Ṣugbọn diẹ ninu awọn bèbe ti ṣe awọn iṣẹ-ṣiṣe ju ti o rọrun nipa béèrè olupe lati mọ daju wọn idanimo pẹlu awọn ti o kẹhin mẹrin nọmba ti won awujo aabo nọmba (SSN).

Bi o tilẹ túmọ lati wa ni ikoko, SSNs ti wa ni commonly ji ni idanimo ole, ati lori apapọ 11.5 million Amerika ni o wa olufaragba ti idanimo jegudujera lododun, gẹgẹ bi US data, pẹlu awọn apapọ isẹlẹ na wa lowo $4,930. Ni 2013 lapapọ adanu lati ID jegudujera ni US jẹ $ 24.7bn. Fere meji-meta ti awọn igba mudani kaadi kirẹditi awọn alaye.

"Ni bayi bayi, gbogbo olufun [bank] ni Apple Pay ti ri significant ti nlọ lọwọ provisioning jegudujera nipasẹ alabara iroyin takeover,"Wi Cherian Abraham, a mobile-owo PATAKI ti o jẹ a olùkànsí to US Isuna ẹgbẹ, lori re bulọọgi.

O si wi ṣeto gangs ni o wa sile awọn itanjẹ: "Ni awọn igba miiran, fraudsters ti wa ni pipe awọn [ile ifowo pamo] ile-iṣẹ ipe ara wọn si 'gbigbọn wọn si kan irin ajo jade ti ilu' ki jegudujera ofin nwa fun idunadura asemase (gẹgẹ bi awọn kan alabara alãye ni California ati transacting ni Miami) ko ba kọsẹ soke [bi] arekereke lẹkọ. "

Apple Pay, ṣe ni October 2014 ati ki o nikan wa lori iPhone 6 ati 6 Plus awọn foonu tu odun to koja, jẹ awọn olumulo san nipa dani wọn foonu sunmọ ohun NFC-ni ipese owo ebute ati ki o jẹrisi wọn idanimo pẹlu awọn iPhone ká-itumọ ti fingerprint RSS.

Ni ojo wedineside, JP Morgan Chase wi lori ohun oludokoowo ipe ti o siwaju ju ọkan milionu onibara ti fi kun debiti ati awọn kaadi kirẹditi to Apple ká iṣẹ, nigba ti Bank of America ti tẹlẹ wi 800,000 eniyan ti kun 1.1m awọn kaadi nipa opin ti 2014 – almost certainly making it the predominant mobile payment method in the US, displacing Google Wallet, eyi ti se igbekale ni 2011. Despite being available first, Wallet has had very low transaction volumes due to the lack of NFC terminals and a more complex interface, retail experts say. Google has not provided any data on how many users it has for Google Wallet.

A spokesman for Apple reiterated that the secure mechanism for paying with card details stored on the phone had not been breached.

“Apple Pay is designed to be extremely secure and protect a user’s personal information,” the spokesman said. “During setup Apple Pay requires banks to verify each and every card and the bank then determines and approves whether a card can be added to Apple Pay. Banks are always reviewing and improving their approval process, which varies by bank.”

None of the US banks that offer Apple Pay contacted by the Guardian would discuss levels of fraud.

But it is understood that US banks are seeking more robust methods to verify peoples’ identities before adding cards to the service. Abraham warns: “Fraud scales – call centres don’t. There has to be an automated process that is invisible but secure. In hindsight the only thing Apple could have done better was to anticipate the problem, made it mandatory [to call] and helped build a better ‘yellow path’.”

Tim Sloane, vice president of payments innovation at the Massachusetts-based financial consultancy Mercator Group, wi: “These are probably just some teething problems. If the banks can nail down the authentication, they should see less fraud on Apple Pay,” and added: “Battle plans always look great until you meet the enemy.”

Dave Birch, a UK-based mobile payments expert, told the Guardian: “in the UK there probably won’t be a ‘green path’” – meaning that people would have to call their bank to add any card to Apple Pay once it is introduced here.

The US lags behind much of the world in its adoption of secure retail payment systems and mobile payments. “Chip and Pin” systems, used throughout Europe for years, will only become compulsory in the US later this year. As retailers replace old magnetic stripe systems, which were vulnerable to widespread fraud, with new ones, they are also adding NFC capabilities, already used in the UK for Oyster cards and in many shops.

Abraham says: “Fraud in Apple Pay… came as a surprise to all”, adding that too much trust had been put in the on-device security: “The soft underbelly proved to be [awọn] provisioning of cards”.

guardian.co.uk © Guardian News & Media to Lopin 2010

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