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Enhanced Fraud Protection -

JM

JM

macrumors 601
Original poster
Nov 23, 2014
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I got an info card at the top in wallet yesterday talking about “enhanced Fraud Protection” and how Apple will send location and device data to the credit card company about your purchase.

Sorry, but how is this not Apple whoring themselves out again to a large company, just like they did with the iPhone 12 and their “starting at $699 with a carrier discount” garbage? That was just a back room bend over to the US carriers to stop people from avoiding the “upgrade” fee.
 
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I’m wondering what the concern is? This was shown on our Visa, Bank of America cards in Apple Wallet. I can assure you BOA knows far more about us than Apple ever will. I get notifications from them instantly for every purchase that the physical card wasn’t present for so a little extra security info they would get if our devices were compromised isn’t really something we would have a problem with. Anyway we have bigger things going on to worry about.
 
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JM said:
I got an info card at the top in wallet yesterday talking about “enhanced Fraud Protection”
Click to expand...
I received the same popup message yesterday. All traces of the "Enhanced Fraud Protection" feature disappeared after a few hours but here's what I saw while information was still visible:
  • I received a single popup attached to a single card but multiple cards were affected.
  • I have cards from several banks and card issuers in my Apple Wallet. Only the cards issued by a particular bank showed Enhanced Protection had been enabled.
  • Apple claimed Enhanced Protection applied to online and in-app purchases for fraud prevention.
  • Each affected card's detail screen (what you get when you tap the 3-dot button on a card's main Wallet screen) had a link to more information about Enhanced Protection. This information was mostly generic Apple privacy stuff but there was a section that said the only way to avoid using Enhanced Protection is to use a card whose issuer is not participating in Enhanced Protection.
  • I couldn't find any additional information in DuckDuckGo and Google searches yesterday.
 
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Some articles that come up today this morning explained that only Visa cards have this feature of enhanced protection where when a transaction takes place, Apple will send information about your purchase information and location to Visa for “fraud prevention”.

Sorry, if this was truly only for “fraud prevention”, then Apple would have implemented it for ALL credit card companies. Not even their Mastercard backed Apple Card has this “enhanced fraud prevention”?

No, it is entirely more plausible that Apple has agreed to give Visa MORE information about purchases to Visa because of some behind the scenes deal, stemming from Visa whining about not getting the same amount of data from ApplePay purchases.
 
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contacos said:
Have you tried turning location services for "Apple Pay Handler ID" off?
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Probably will now since this concerning “fraud prevention” nonsense from Visa.

I had it on before to help Apple know which merchants had Apple Pay available and they could update in Maps.
 
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I7guy said:
“Sorry, but how is this not Apple whoring themselves out again to a large company,”

The above seems to be at odds with “enhanced protection”
Click to expand...
Exactly.

“Enhanced protection” is certainly a line from Visa to get more purchase information from you.
 
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JM said:
Some articles that come up today this morning explained that only Visa cards have this feature of enhanced protection where when a transaction takes place, Apple will send information about your purchase information and location to Visa for “fraud prevention”.
Click to expand...
Most of the articles that come up in my search results today are simply content farm sites using Apple's own words for fodder. So right now there doesn't seem to be any public information beyond what was provided in Wallet itself.

In any case, there doesn't seem to be much benefit to Apple Wallet users because a need for additional fraud prevention measures for virtual cards with unique numbers tied to a specific device that require user authentication for use points to some kind of widespread security vulnerability beyond users' control.

JM said:
it is entirely more plausible that Apple has agreed to give Visa MORE information about purchases to Visa because of some behind the scenes deal, stemming from Visa whining about not getting the same amount of data from ApplePay purchases.
Click to expand...
I think it is very possible it is Visa who is making money off this info. Over the last few years, Visa has made a big push into AI and loss prevention services for merchants and issuers. So a data deal with Apple would, for example, benefit Visa's Advanced Authorization and Risk Manager programs. And if Visa does have some special agreement with Apple, it is also possible Apple agreed to either delay or not allow MC and AMEX to access the data.

Alternatively, Visa could have been the victim of a breach of its authorization systems and is taking steps to re-secure its network. That also could explain why MC and AMEX aren't participating at this time. But given Visa's size and importance to the global financial system as well as the widespread holdings and coverage of its stock, it would be difficult for Visa to obscure such a breach for long.

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ETA: another possibility is the brief visibility of Enhanced Protection for Visa cards is related to Apple changing Apple Cash from Discover to Visa. Debit and preloaded credit cards are frequently used for money laundering and fraud. Visa and Apple, obviously, have a big stake in stopping these illegal activities.
www.macrumors.com

New Apple Cash Accounts Now Branded as Visa Cards

The Apple Cash virtual debit card appears to be switching networks from Discover to Visa, as revealed in some updated images on Apple's website...
www.macrumors.com www.macrumors.com
 
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KaliYoni said:
Most of the articles that come up in my search results today are simply content farm sites using Apple's own words for fodder. So right now there doesn't seem to be any public information beyond what was provided in Wallet itself.

In any case, there doesn't seem to be much benefit to Apple Wallet users because a need for additional fraud prevention measures for virtual cards with unique numbers tied to a specific device that require user authentication for use points to some kind of widespread security vulnerability beyond users' control.


I think it is very possible it is Visa who is making money off this info. Over the last few years, Visa has made a big push into AI and loss prevention services for merchants and issuers. So a data deal with Apple would, for example, benefit Visa's Advanced Authorization and Risk Manager programs. And if Visa does have some special agreement with Apple, it is also possible Apple agreed to either delay or not allow MC and AMEX to access the data.

Alternatively, Visa could have been the victim of a breach of its authorization systems and is taking steps to re-secure its network. That also could explain why MC and AMEX aren't participating at this time. But given Visa's size and importance to the global financial system as well as the widespread holdings and coverage of its stock, it would be difficult for Visa to obscure such a breach for long.
Click to expand...
Those are some really good alternative explanations.

Thanks. Makes me feel less paranoid.
 
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JM said:
Okay, it seems more like Apple Pay isn’t secure and Visa is doing something about it so they don’t lose more money to fraud.

Fair enough. Redact my old rantings and accusations.

www.idropnews.com

PSA | Criminals Are Using Apple Pay to Go on Shopping Sprees with Stolen Credit Cards More Easily Than Ever

Criminals have discovered that Apple Pay is one of the easiest ways to use stolen credit card information, thanks to the ease of duping unsuspecting
www.idropnews.com www.idropnews.com
Click to expand...

How is Apple Pay not secure? From the article...

This is entirely what’s known as a “social engineering” attack. It relies entirely on deceiving potential victims into giving up their verification codes too easily.

People shouldn't be giving their verification codes to anyone, ever.
 
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