Post by David EmpsonPost by Rod SpeedPost by David EmpsonPost by David EmpsonPost by Michelle SteinerDoesn't explain why the presentation explicitly said 'go to the
bank' to validate it. Maybe that was just carelessly stated tho.
Maybe you and Jackson misheard it.
The podcast of the keynote is available now. The
relevant part is from about 48:36. I misunderstood
this bit when watching it live but got it this time.
"But it's also easy to add a new card. You use your iPhone iSight
camera. We take a picture of the card, gather all the information, go to
your bank and verify that's your card, and we add it right to Passbook."
He is describing what Apple does with the data gathered from the card.
You don't know that.
Which part of the sentence starting with "We
take a picture ..." do you not understand?
I understand that the photo of the card
is JUST an easier/better way of getting
the data that can be seen than typing it in.
Post by David EmpsonPost by David EmpsonApple "goes" to the bank for verification that it is your card,
Not even possible for Apple to do that.
They can do it for verifying credit cards
registered on iTunes Store accounts,
Bullshit they can on who owns the card.
Apple already have the personal details (such as
name and address) from the user's Apple ID and
any credit card already on file for that Apple ID,
That doesn’t necessarily help them to work out whether
the new card is owned by that individual, most obviously
with kids and those who have not bothered to give Apple
any credit card.
Post by David Empsonplus an image of the new credit card from which they can
get the card number, expiry date and customer name.
Yes, but all that does is show that name is a rough match
SOME of the time.
Post by David EmpsonAs long as the personal details from the Apple ID can be verified by the
card company and/or bank as matching their records of the card holder,
Which likely the FI wont be able to do much of the time.
Post by David Empsonit should just work without the user having to do anything
more than take the picture of the front of the card.
That doesn’t prove that the person adding the card actually owns it.
The photo is just a quick alternative to tapping in the details on the card.
Post by David EmpsonIn situations where the personal details do not match
(or the Apple ID has minimal information), there would
need to be a more complex verification mechanism.
And it fact there is no verification at all with the
initial card that is supplied for the Apple ID, JUST
a check that it’s a valid card owned by someone.
So anyone wanting to scam the system can just create
a new Apple ID and loot that account using Apple Pay.
Post by David EmpsonI expect it would be sufficient to ask for the user
to enter the same data that iTunes requires when
registering a credit card, including the billing
address and verification code on the back of the card.
Even that isnt very viable with people who move around a lot.
Post by David EmpsonApple didn't bother describing that scenario in the keynote,
as it would be rare when adding a second card, since the
personal data must already be present for the first card
But there is no verification with that card at all, just that
it is a valid card that hasn’t been reported as stolen etc.
Post by David Empsonand would typically match for all
cards owned by the same person.
Mine do vary considerably even with a simple
name like mine and that is my real name.
We do have some quite onerous ID requirements
when opening a new bank account etc and that
does require using other proof of identity like
a photo driver's license, passport or birth certificate
etc, but those do mostly require some presentation
of the ID documents in person.
We also require that for a new cellphone/mobile
account, and that can be done online, but one of
the IDs that is acceptable is a driver's license, but
my state does not allow anyone access to the
driver's license details from the number so there
is no way for the online system to check if the ID
supplied actually matches the name and address given.
Even the US social security number system has holes
in it you can drive a full carrier battle group thru.