UK Banks Introducing Touch ID Access to iPhone Apps

[coffeemadmanUK]

Supposedly you have to use a pin to do anything anyway unless you just want to view balances.

In public I spin around in a circle when entering my pin so any camera or person trying to get it won't. The only time I use the app in public is to get cash and I usually get the code before I leave the house.

I know you do that for security.

And I'm not saying you're wrong to.

But it's... just amusing to think of someone just spinning randomly in public.

 

[Zxxv]

I know you do that for security.

And I'm not saying you're wrong to.

But it's... just amusing to think of someone just spinning randomly in public.

I know. Luckily I don't do it often but if you see me come say hi haha

 

[millar876]

I'm with RBS, was prompted to enable Touch ID today. Enabled it. You use it only to access your own account(s) and transfer payments. To set up new payments or one offs you still need to access digital banking from a desktop OS and need the card, the security card reader thing, and obviously all your login details. I couldn't set up a new payment to a new person on my phones banking app if I had a gun to my head. So it's secure enough for me

 

[Zxxv]

I'm with RBS, was prompted to enable Touch ID today. Enabled it. You use it only to access your own account(s) and transfer payments. To set up new payments or one offs you still need to access digital banking from a desktop OS and need the card, the security card reader thing, and obviously all your login details. I couldn't set up a new payment to a new person on my phones banking app if I had a gun to my head. So it's secure enough for me

so if you transfer a payment to someone buying something or to a partners account and later they see you asleep they could send themselves money by simply unlocking with your finger? and the bank would not reimburse you?

or a group of hilarious mates could pay all your bills for the year by sending money to your bill contacts? and the banks and the people wouldn't refund you?

 

[Kebabselector]

so if you transfer a payment to someone buying something or to a partners account and later they see you asleep they could send themselves money by simply unlocking with your finger? and the bank would not reimburse you?

or a group of hilarious mates could pay all your bills for the year by sending money to your bill contacts? and the banks and the people wouldn't refund you?

I'd question your relationships if you have to worry about this.

 

[Zxxv]

I'd question your relationships if you have to worry about this.

Agreed. But I had to put it out there as it is a security issue.

 

[gnasher729]

so if you transfer a payment to someone buying something or to a partners account and later they see you asleep they could send themselves money by simply unlocking with your finger? and the bank would not reimburse you?

or a group of hilarious mates could pay all your bills for the year by sending money to your bill contacts? and the banks and the people wouldn't refund you?

Reimbursement is there to protect you when a crook gets money out of your bank account, and the crook cannot be found anywhere. In these cases, the receiver of the money can be found, so you call the police and take them to court. I also suspect that the bank is able to get the money back, so a refund shouldn't be a problem.

That's what happens when a crook sends you a forged or stolen cheque, you put it into your bank account, and months later the bank takes it out (and gives it to the correct owner).

Remember that in each case a crime has happened, and the criminals are known. Your "hilarious mates" will find it a lot less funny if the police knocks on their doors.

 

[Zxxv]

Reimbursement is there to protect you when a crook gets money out of your bank account, and the crook cannot be found anywhere. In these cases, the receiver of the money can be found, so you call the police and take them to court. I also suspect that the bank is able to get the money back, so a refund shouldn't be a problem.

That's what happens when a crook sends you a forged or stolen cheque, you put it into your bank account, and months later the bank takes it out (and gives it to the correct owner).

Remember that in each case a crime has happened, and the criminals are known. Your "hilarious mates" will find it a lot less funny if the police knocks on their doors.

how would you prove you didn't do the transfer and then get cold feet or a change of mind?

 

[peterh988]

how would you prove you didn't do the transfer and then get cold feet or a change of mind?

I'm not sure how it works, but I've been a victim of credit card fraud twice, and bank 'fraud' (stolen cheques) once, and on all three occasions the banks were surprisingly quick at sorting out my end of things. All the fraudulent transactions where cancelled/removed from my accounts within 48 hrs.

Presumably there were some behind the scenes stuff going on at their end, and they 'know where I live' if they discovered I was involved in it.

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so if you transfer a payment to someone buying something or to a partners account and later they see you asleep they could send themselves money by simply unlocking with your finger?

Didn't one of these sites recently report a small child had used his sleeping dads finger to unlock his iPhone so he could play games on it?

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Here in London NW6, I can report that Aldi, M&S, Waitrose, Whole Foods, and Tesco Express all accept contactless.

Sainsbury's, as you point out, have terminals that look like they ought to accept contactless, but it isn't enabled for some reason.

Tesco is a little odd because you have to explicitly press "Contactless payment" on their self-checkout terminals to use it. Everyone else, including the M&S self-checkouts, just let you tap instead of inserting the card if you want to use contactless.

Haven't used Tesco self checkout, I got confused at the till because they were displaying the 'contactless' symbol, (although it was a credit card promotion rather than a 'we accept....' ) and was told that they didn't do contactless in this store. Maybe they did at the self service till.

Morrisons, my main local supermarket, don't do it either, although I had a chat with the manager (randomly, I wasn't evangelising!) and he was very enthusiastic about the possibilities of Apple Pay.

 

[Zxxv]

I'm not sure how it works, but I've been a victim of credit card fraud twice, and bank 'fraud' (stolen cheques) once, and on all three occasions the banks were surprisingly quick at sorting out my end of things. All the fraudulent transactions where cancelled/removed from my accounts within 48 hrs.

Presumably there were some behind the scenes stuff going on at their end, and they 'know where I live' if they discovered I was involved in it.

thats because the fraud occurred away from you. How will they react when you try telling them you didn't authorise the payment but its clear you did because you used your finger print and the people who received the money say you gave it to them. Its your word against theirs and I'd guess they'd just say you fell out shortly after and became angry and tried to screw them over. After all you did authorise the transfer with your finger print and banks do say to not give away your pin code etc so you must be responsible right?

Didn't one of these sites recently report a small child had used his sleeping dads finger to unlock his iPhone so he could play games on it?

Small child is different to a disgruntled partner or other person doing it. I'd hazard a guess they would have more chance of getting away with it.

Me I won't use my finger print to unlock my banking app. I will use a passcode that is stored inside my head but thats just me.

good luck testing the system. I may buy in once proven I won't be liable for money transfers that I say I didn't do when using a finger print to unlock and if I have to put my unlock code in even after unlocking with a finger print then its just one more step and a stupid user experience because I go into my banking app to transfer money or to get cash. I don't need two steps or more. Just let me in, let me do my business and get out.

 

[roadbloc]

Quite frankly I'd rather see ApplePay introduced in the UK, that would be much more useful!

I wouldn't hold your breath. It seems many UK banks are unsure of the technologies behind Apple's 'security'.

In my opinion, Apple should just let the NFC chip be usable by all apps like they are on other phones.