Leading US banks have changed the registration process payment cards in the Apple Pay after increasing cases of fraud. Attackers receive data bank card users and use them for buying Apple products in the retail stores of the company with the help of iPhone 6 and iPhone 6 Plus.
According to The Wall Street Journal, banks are now more carefully check the information on the owners of payment cards when you add in Apple Pay. Some payment organizations engaged in making changes to their security procedures payments: it is the banks have to recheck information about the client before the card can be used to pay for using the iPhone.
Now the procedure to confirm the identity can be quite detailed and require a large amount of information. Previously, most banks have chosen an easier way - confirmation with a social security number. Fraudsters have been enough to call the last four digits. Social security numbers fall into the wrong hands as a result of crimes in the sphere of "identity theft". Victims of such crimes each year are over 11 million Americans.
Note that in this case we are not talking about hacking protection system that uses a user identification by fingerprint. Instead, criminals use stolen personal information already, and then connect to it using the victim's card to the iPhone and used to make purchases.
An attacker who gains access to bank card customers of major US retailers such as Home Depot and Target, once exposed to large-scale hacker attacks (when data were kidnapped more than 50 million people), use them to make purchases. Most purchases - about 80% - are made in Apple Store. This is explained not so much personal preference criminals, as the fact that it was Apple's products have the highest resale value among those that are sold in other retail companies that have joined the Apple Pay.
Apple refuses to disclose the total number of users of Apple Pay, saying only that its services accounted for 2 out of every 3 dollars spent when paying for mobile applications in the United States. As for the publication in the WSJ, the representative of the company commented:
"Apple Pay Service is created in such a way as to be extremely reliable and protect personal information of the owner. When you install Apple Pay application requires the bank to confirm each of the bindable cards and bank itself determines whether the card be linked. Banks regularly review and improve its verification process, which varies from bank to bank".