var varname = "wijax_457cf0ec9c9a57bc253be86d253a1b1c"; window[varname]="<ol class=\"comments-list clearfix\">\n\t\t\t<li class=\"comment even thread-even depth-1 comment clearfix li-comment highlander-comment\" id=\"comment-1451579\" data-comment-id=\"1451579\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1451579\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/ee6cd266ff5f6497f9079a0b0b52e29e?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">ankitgupta87<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1451579\" class=\"comment-permalink\">Friday, March 14, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Too long has the US market whined about &#8220;ease of use&#8221; and customer experience. Look east &#8211; let&#8217;s see you use a combination of EMV and two-factor authentication.. then we&#8217;ll take about enough being done to solve the fraud problem.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1451579&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1451579&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=flag\" class=\"goicon icon-flag\" title=\"Flag this 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guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1451579-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1451579_reason\" id=\"comment-1451579-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1451579_reason_description\" id=\"comment-1451579-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<\/li><!-- #comment-## -->\n\t\t<li class=\"comment odd alt thread-odd thread-alt depth-1 comment clearfix li-comment highlander-comment\" id=\"comment-1445199\" data-comment-id=\"1445199\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1445199\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/f0cffaede7411f9a7c07f616b50991e7?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">Joe<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1445199\" class=\"comment-permalink\">Monday, February 3, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Apples iwatch reads heart rate, blood pressure, dissolved oxygen, and glucose levels, and matches this with your activity level via three axis accelerometer.  There is only one person with your unique biometric patterns: you, and the iwatch provides absolute verification of that.<br \/>\nThe iwatch only talks to iOS8 and I Beacon devices. Together, your iwatch in proximity with your iPhone\/pod Works with apple&#8217;s i-dentify app to provide absolute verification of your identity with any IBeacon-based retailer. Procurement validation with itunes will only go through if you&#8217;re iwatch\/iPhone can validate that you (and your iwatch) were proximate to the point of presence of that purchase.<br \/>\nIdentity theft becomes impossible. You can just walk into a Starbucks or Apple Store, and walk out with whatever you want. Solves many problems at once (plus tells your doctor how sick you are).  Apple may open up a few new market segments on this one.<\/p>\n<p>Sent from my iPhone<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1445199&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1445199&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=flag\" class=\"goicon icon-flag\" title=\"Flag this comment\">\n\t\t\t\t\t\t\t<\/a>\n\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<a 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class=\"comment even thread-even depth-1 comment clearfix li-comment highlander-comment\" id=\"comment-1444998\" data-comment-id=\"1444998\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444998\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<!-- avatar info cached Wed, 11 Mar 15 10:33:24 +0000 --><a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/graph.facebook.com\/1094910146\/picture\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">Samuel Kovac<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444998\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Nobody here have heard about bitcoin? The solution to credit card fraud already exists, but since it bypasses all the big companies and thretens their profits, they try to pretend it does not exist :-o. Check out <a href=\"http:\/\/www.bitcoin.org\" rel=\"nofollow\">http:\/\/www.bitcoin.org<\/a>, or <a href=\"http:\/\/www.bitpay.com\" rel=\"nofollow\">http:\/\/www.bitpay.com<\/a> or <a href=\"http:\/\/www.coinbase.com\" rel=\"nofollow\">http:\/\/www.coinbase.com<\/a> and many more.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444998&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a 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class=\"comment byuser comment-author-rottenbittenfruit odd alt thread-odd thread-alt depth-1 comment clearfix li-comment highlander-comment\" id=\"comment-1444931\" data-comment-id=\"1444931\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444931\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/567f63e38626447aad2e5bd2f6c8ae35?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">rottenbittenfruit<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444931\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>It&#8217;s claimed that although Apple has 600 million or so credit card accounts but I&#8217;ve heard only a small percentage of them are being used very often.  Although I&#8217;ve had an iTunes account for about ten years, I&#8217;ve only used it about ten times in that whole time to buy a couple of Macs and iPods and a few smaller things but that&#8217;s about it.  On the other hand, I&#8217;m always using my Amazon account about once a week.  I feel both accounts are safe but Amazon has so many products, I&#8217;m just always buying all sorts of items from large to small, food, vitamins, candy, electronic equipment, clothing, you name it.  I&#8217;d think Amazon could have a faster start with mobile payments if they actually put out their own smartphone because it would be low-priced so more people would easily buy one.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444931&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444931&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=flag\" class=\"goicon icon-flag\" title=\"Flag this 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comment:<\/header>\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444931-reason-spam\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444931_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444931-reason-spam\"\n\t\t\t\t\t\t\t\tvalue=\"Spam\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"spam\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Spam<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444931-reason-personal-attack\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444931_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444931-reason-personal-attack\"\n\t\t\t\t\t\t\t\tvalue=\"Personal attack\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"personal-attack\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Personal attack<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444931-reason-profanity\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444931_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444931-reason-profanity\"\n\t\t\t\t\t\t\t\tvalue=\"Profanity\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"profanity\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Profanity<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444931-reason-violates-community-guidelines\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444931_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444931-reason-violates-community-guidelines\"\n\t\t\t\t\t\t\t\tvalue=\"Violates community guidelines\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"violates-community-guidelines\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Violates <a href=\"https:\/\/gigaom.com\/community-guidelines\/\" target=\"_blank\">community guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444931-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1444931_reason\" id=\"comment-1444931-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1444931_reason_description\" id=\"comment-1444931-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<ol class=\"children\">\n\t\t<li class=\"comment even depth-2 comment clearfix li-comment highlander-comment\" id=\"comment-1445098\" data-comment-id=\"1445098\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1445098\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/1f10cfe62e1302d1e8f6b6ad32b35f98?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">Jon T<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<cite class=\"comment-replyee\"><a href=\"#comment-1444931\" title=\"Replyee\">rottenbittenfruit<\/a><\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1445098\" class=\"comment-permalink\">Sunday, February 2, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Since when was anyone anywhere able to buy Apple hardware with an iTunes account? <\/p>\n<p>Fabricating nonsense. Why do people bother doing this.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1445098&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1445098&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=flag\" class=\"goicon icon-flag\" title=\"Flag this comment\">\n\t\t\t\t\t\t\t<\/a>\n\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<a 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href=\"https:\/\/gigaom2.wordpress.com\/wp-login.php?redirect_to=https%3A%2F%2Fgigaom.com%2F2014%2F02%2F01%2Fits-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple%2Fwijax%2F49e8740702c6da9341d50357217fb629\" class=\"goauth-wpdotcom\" rel=\"nofollow\" title=\"WordPress.com\"><i class=\"goicon icon-wordpress\"><\/i><\/a><\/li>\n\n\t\t\t\t<li><a href=\"https:\/\/accounts.gigaom.com\/subscription\/sign-in\/?redirect_to=\/?goauth_action=closewindow\" class=\"goauth-gigaom\" rel=\"nofollow\" title=\"Gigaom\"><i class=\"goicon logo-gigaom-stacked\"><\/i><\/a><\/li>\t\t<\/ul>\n\t\t\t\t\t<\/section>\n\t\t\t<section class=\"flag flag-logged-in\">\n\t\t\t\t<form class=\"go-standard\" action=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1445098&#038;bsocial-nonce=83180f751c&#038;direction=flag&#038;user_id=0&#038;post_id=813105\">\n\t\t\t\t\t<header>Reason for flagging this comment:<\/header>\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445098-reason-spam\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445098_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445098-reason-spam\"\n\t\t\t\t\t\t\t\tvalue=\"Spam\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"spam\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Spam<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445098-reason-personal-attack\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445098_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445098-reason-personal-attack\"\n\t\t\t\t\t\t\t\tvalue=\"Personal attack\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"personal-attack\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Personal attack<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445098-reason-profanity\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445098_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445098-reason-profanity\"\n\t\t\t\t\t\t\t\tvalue=\"Profanity\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"profanity\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Profanity<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445098-reason-violates-community-guidelines\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445098_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445098-reason-violates-community-guidelines\"\n\t\t\t\t\t\t\t\tvalue=\"Violates community guidelines\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"violates-community-guidelines\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Violates <a href=\"https:\/\/gigaom.com\/community-guidelines\/\" target=\"_blank\">community guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445098-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1445098_reason\" id=\"comment-1445098-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1445098_reason_description\" id=\"comment-1445098-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<ol class=\"children\">\n\t\t<li class=\"comment odd alt depth-3 comment clearfix li-comment highlander-comment\" id=\"comment-1445182\" data-comment-id=\"1445182\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1445182\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/e9c04223a8ea465f248dc9b8f093edcc?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">SomeoneElse<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<cite class=\"comment-replyee\"><a href=\"#comment-1445098\" title=\"Replyee\">Jon T<\/a><\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1445182\" class=\"comment-permalink\">Sunday, February 2, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Because they confuse their iTunes account with the credit card account they have &#8216;on file&#8217; with Apple.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1445182&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1445182&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=flag\" class=\"goicon icon-flag\" title=\"Flag this 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href=\"https:\/\/gigaom2.wordpress.com\/wp-login.php?redirect_to=https%3A%2F%2Fgigaom.com%2F2014%2F02%2F01%2Fits-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple%2Fwijax%2F49e8740702c6da9341d50357217fb629\" class=\"goauth-wpdotcom\" rel=\"nofollow\" title=\"WordPress.com\"><i class=\"goicon icon-wordpress\"><\/i><\/a><\/li>\n\n\t\t\t\t<li><a href=\"https:\/\/accounts.gigaom.com\/subscription\/sign-in\/?redirect_to=\/?goauth_action=closewindow\" class=\"goauth-gigaom\" rel=\"nofollow\" title=\"Gigaom\"><i class=\"goicon logo-gigaom-stacked\"><\/i><\/a><\/li>\t\t<\/ul>\n\t\t\t\t\t<\/section>\n\t\t\t<section class=\"flag flag-logged-in\">\n\t\t\t\t<form class=\"go-standard\" action=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1445182&#038;bsocial-nonce=83180f751c&#038;direction=flag&#038;user_id=0&#038;post_id=813105\">\n\t\t\t\t\t<header>Reason for flagging this comment:<\/header>\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445182-reason-spam\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445182_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445182-reason-spam\"\n\t\t\t\t\t\t\t\tvalue=\"Spam\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"spam\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Spam<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445182-reason-personal-attack\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445182_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445182-reason-personal-attack\"\n\t\t\t\t\t\t\t\tvalue=\"Personal attack\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"personal-attack\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Personal attack<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445182-reason-profanity\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445182_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445182-reason-profanity\"\n\t\t\t\t\t\t\t\tvalue=\"Profanity\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"profanity\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Profanity<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445182-reason-violates-community-guidelines\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445182_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445182-reason-violates-community-guidelines\"\n\t\t\t\t\t\t\t\tvalue=\"Violates community guidelines\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"violates-community-guidelines\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Violates <a href=\"https:\/\/gigaom.com\/community-guidelines\/\" target=\"_blank\">community guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445182-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1445182_reason\" id=\"comment-1445182-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1445182_reason_description\" id=\"comment-1445182-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<\/li><!-- #comment-## -->\n<\/ol><!-- .children -->\n<\/li><!-- #comment-## -->\n<\/ol><!-- .children -->\n<\/li><!-- #comment-## -->\n\t\t<li class=\"comment even thread-even depth-1 comment clearfix li-comment highlander-comment\" id=\"comment-1444900\" data-comment-id=\"1444900\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444900\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/9106340a33a2407d63d22e6275300d33?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">Neel<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444900\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Isis provides a lot different solution than Google and infact provides a better security. Google does not do a card-present transaction and that in itself has a bigger risk of fraud.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444900&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444900&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=flag\" class=\"goicon icon-flag\" title=\"Flag this comment\">\n\t\t\t\t\t\t\t<\/a>\n\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<a 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class=\"comment byuser comment-author-kevintofel bypostauthor odd alt depth-2 comment clearfix li-comment highlander-comment\" id=\"comment-1444910\" data-comment-id=\"1444910\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444910\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/6cbb45abac59965c2626e40155358d1b?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">Kevin C. Tofel<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<cite class=\"comment-replyee\"><a href=\"#comment-1444900\" title=\"Replyee\">Neel<\/a><\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444910\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Isis doesn&#8217;t do a card-present transaction either, so I&#8217;m not quite understanding your point.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444910&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this 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guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444910-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1444910_reason\" id=\"comment-1444910-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1444910_reason_description\" id=\"comment-1444910-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<ol class=\"children\">\n\t\t<li class=\"comment even depth-3 comment clearfix li-comment highlander-comment\" id=\"comment-1445681\" data-comment-id=\"1445681\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1445681\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<!-- avatar info cached now --><a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/pbs.twimg.com\/profile_images\/3273426211\/a7987dd551efef45bf1e3d7b5f642301_normal.jpeg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">James Wester<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<cite class=\"comment-replyee\"><a href=\"#comment-1444910\" title=\"Replyee\">Kevin C. Tofel<\/a><\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1445681\" class=\"comment-permalink\">Wednesday, February 5, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Just an FYI &#8211; Isis rates are card present.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1445681&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a 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comment:<\/header>\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445681-reason-spam\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445681_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445681-reason-spam\"\n\t\t\t\t\t\t\t\tvalue=\"Spam\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"spam\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Spam<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445681-reason-personal-attack\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445681_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445681-reason-personal-attack\"\n\t\t\t\t\t\t\t\tvalue=\"Personal attack\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"personal-attack\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Personal attack<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445681-reason-profanity\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445681_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445681-reason-profanity\"\n\t\t\t\t\t\t\t\tvalue=\"Profanity\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"profanity\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Profanity<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445681-reason-violates-community-guidelines\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1445681_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1445681-reason-violates-community-guidelines\"\n\t\t\t\t\t\t\t\tvalue=\"Violates community guidelines\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"violates-community-guidelines\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Violates <a href=\"https:\/\/gigaom.com\/community-guidelines\/\" target=\"_blank\">community guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1445681-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1445681_reason\" id=\"comment-1445681-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1445681_reason_description\" id=\"comment-1445681-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<\/li><!-- #comment-## -->\n<\/ol><!-- .children -->\n<\/li><!-- #comment-## -->\n<\/ol><!-- .children -->\n<\/li><!-- #comment-## -->\n\t\t<li class=\"comment odd alt thread-odd thread-alt depth-1 comment clearfix li-comment highlander-comment\" id=\"comment-1444879\" data-comment-id=\"1444879\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444879\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<!-- avatar info cached now --><a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/pbs.twimg.com\/profile_images\/2163610707\/P1000291_normal.jpg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">genius<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444879\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>I booked a trip with a known internet company, my card info was stolen, I called the place the card was used they gave me the name and address of the person and package, went to area an collected my money plus some for my expenses.  the internet concerned balked and said they were not at fault me showing them it was the only transaction in a year??. Told the bank the address and the name of the person they did not care so why are you complaining? I have been to 3rd world countries were no one carries money all the transactions are thru the phone. they deposit money on the corner drugstore and spend it somewhere else. We are far behind.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444879&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444879&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=flag\" class=\"goicon icon-flag\" title=\"Flag this comment\">\n\t\t\t\t\t\t\t<\/a>\n\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<a 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href=\"https:\/\/gigaom2.wordpress.com\/wp-login.php?redirect_to=https%3A%2F%2Fgigaom.com%2F2014%2F02%2F01%2Fits-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple%2Fwijax%2F49e8740702c6da9341d50357217fb629\" class=\"goauth-wpdotcom\" rel=\"nofollow\" title=\"WordPress.com\"><i class=\"goicon icon-wordpress\"><\/i><\/a><\/li>\n\n\t\t\t\t<li><a href=\"https:\/\/accounts.gigaom.com\/subscription\/sign-in\/?redirect_to=\/?goauth_action=closewindow\" class=\"goauth-gigaom\" rel=\"nofollow\" title=\"Gigaom\"><i class=\"goicon logo-gigaom-stacked\"><\/i><\/a><\/li>\t\t<\/ul>\n\t\t\t\t\t<\/section>\n\t\t\t<section class=\"flag flag-logged-in\">\n\t\t\t\t<form class=\"go-standard\" action=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444879&#038;bsocial-nonce=83180f751c&#038;direction=flag&#038;user_id=0&#038;post_id=813105\">\n\t\t\t\t\t<header>Reason for flagging this comment:<\/header>\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444879-reason-spam\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444879_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444879-reason-spam\"\n\t\t\t\t\t\t\t\tvalue=\"Spam\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"spam\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Spam<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444879-reason-personal-attack\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444879_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444879-reason-personal-attack\"\n\t\t\t\t\t\t\t\tvalue=\"Personal attack\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"personal-attack\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Personal attack<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444879-reason-profanity\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444879_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444879-reason-profanity\"\n\t\t\t\t\t\t\t\tvalue=\"Profanity\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"profanity\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Profanity<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444879-reason-violates-community-guidelines\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444879_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444879-reason-violates-community-guidelines\"\n\t\t\t\t\t\t\t\tvalue=\"Violates community guidelines\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"violates-community-guidelines\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Violates <a href=\"https:\/\/gigaom.com\/community-guidelines\/\" target=\"_blank\">community guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444879-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1444879_reason\" id=\"comment-1444879-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1444879_reason_description\" id=\"comment-1444879-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<\/li><!-- #comment-## -->\n\t\t<li class=\"comment even thread-even depth-1 comment clearfix li-comment highlander-comment\" id=\"comment-1444873\" data-comment-id=\"1444873\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444873\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/5a66c5be54e82c76200c9b875df8836f?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">James Chao<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444873\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Biometric authentication has one tragic flaw: once they&#8217;re stolen, you can&#8217;t change them. For that reason I don&#8217;t think that should be the basis of mobile payments.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444873&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444873&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=flag\" class=\"goicon icon-flag\" title=\"Flag this comment\">\n\t\t\t\t\t\t\t<\/a>\n\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<a 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href=\"https:\/\/gigaom2.wordpress.com\/wp-login.php?redirect_to=https%3A%2F%2Fgigaom.com%2F2014%2F02%2F01%2Fits-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple%2Fwijax%2F49e8740702c6da9341d50357217fb629\" class=\"goauth-wpdotcom\" rel=\"nofollow\" title=\"WordPress.com\"><i class=\"goicon icon-wordpress\"><\/i><\/a><\/li>\n\n\t\t\t\t<li><a href=\"https:\/\/accounts.gigaom.com\/subscription\/sign-in\/?redirect_to=\/?goauth_action=closewindow\" class=\"goauth-gigaom\" rel=\"nofollow\" title=\"Gigaom\"><i class=\"goicon logo-gigaom-stacked\"><\/i><\/a><\/li>\t\t<\/ul>\n\t\t\t\t\t<\/section>\n\t\t\t<section class=\"flag flag-logged-in\">\n\t\t\t\t<form class=\"go-standard\" action=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444873&#038;bsocial-nonce=83180f751c&#038;direction=flag&#038;user_id=0&#038;post_id=813105\">\n\t\t\t\t\t<header>Reason for flagging this comment:<\/header>\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444873-reason-spam\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444873_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444873-reason-spam\"\n\t\t\t\t\t\t\t\tvalue=\"Spam\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"spam\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Spam<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444873-reason-personal-attack\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444873_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444873-reason-personal-attack\"\n\t\t\t\t\t\t\t\tvalue=\"Personal attack\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"personal-attack\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Personal attack<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444873-reason-profanity\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444873_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444873-reason-profanity\"\n\t\t\t\t\t\t\t\tvalue=\"Profanity\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"profanity\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Profanity<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444873-reason-violates-community-guidelines\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444873_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444873-reason-violates-community-guidelines\"\n\t\t\t\t\t\t\t\tvalue=\"Violates community guidelines\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"violates-community-guidelines\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Violates <a href=\"https:\/\/gigaom.com\/community-guidelines\/\" target=\"_blank\">community guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444873-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1444873_reason\" id=\"comment-1444873-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1444873_reason_description\" id=\"comment-1444873-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<ol class=\"children\">\n\t\t<li class=\"comment odd alt depth-2 comment clearfix li-comment highlander-comment\" id=\"comment-1444993\" data-comment-id=\"1444993\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444993\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/0b4e516ea8041734ed3188591ce37cd2?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">Jonathan E. Jaffe<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<cite class=\"comment-replyee\"><a href=\"#comment-1444873\" title=\"Replyee\">James Chao<\/a><\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444993\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Summary<br \/>\nBiometric security concepts are based on a biological element (fingerprint, retina scan, face recognition, voice recognition etc.) ideally unique to the specific consumer and non-transferable. There are security and transactional weaknesses as well as a significant infrastructure expense. <\/p>\n<p>Transactional &amp; Security Weakness<br \/>\nKnow that the end result of a biological scan is generally a digital data stream which is transmitted to storage local on a consumer&#8217;s device, a merchant system device, or some larger repository of such information serving as a reference. Transmission and storage may, or may not, be encrypted.<\/p>\n<p>Scanner &#8211; If the biological scanner is at the merchant facility then only card-present transactions may be processed. If the biological scanner is part of the consumer&#8217;s equipment (i.e. present in their smart phone) then someone else&#8217;s biological information could be prepared for use, and the biological scan would report someone other than the person presenting themselves, defeating the security concept.<\/p>\n<p>Reference &#8211; The biological scan requires a reference for comparison. This means that the consumer&#8217;s biological element has to be on record someplace.<\/p>\n<p>Reference \u2013 At Consumer: If the reference is internal to the consumer device then a criminal, given someone&#8217;s real biological element, could hack the consumer device to present a faux-sample and compare it to a prepared reference, thus defeating the security concept. <\/p>\n<p>For example: At the store Joe Criminal scans his own fingerprint using his own smartphone which has been altered so that no matter what fingerprint is scanned, the comparison is \u201cconfirmed\u201d as belonging to Bill Smith, about to be a victim of identity theft.<\/p>\n<p>Reference \u2013 Merchant: If a consumer based reference is undesirable the next step up might be reference at the purchase point. Think on that, your fingerprint (or voice print, retina scan) on file at a merchant? These are the same merchants who have been hacked compromising the information for hundreds of millions of charge cards. This puts your biological information at risk and reliant on the security of the weakest merchant. <\/p>\n<p>Also consider that regardless of someone&#8217;s actual biological element the merchant&#8217;s record could be altered to another person&#8217;s biological element. As an example Joe Criminal hacks the merchant database so that Joe&#8217;s face appears in Bill&#8217;s account. At checkout Joe presents his face for \u201cauthentication\u201d, Joe&#8217;s face is scanned, confirmed and the transaction takes place. Joe hacks the database again to restore Bill&#8217;s face.<\/p>\n<p>Reference \u2013 System: Even if merchant security is considered inadequate storage of biological reference materials at a system level (such as a charge card provider) require the scanner be at the merchant. Recall that several major compromises were based on hacks of the scanners themselves so that when you put your finger on the store scanner a copy goes to the crook as well as the store.<\/p>\n<p>Consider also, unlike a new password or a new account number, you cannot change your biological information. Imagine if your biological information was compromised. At some point in the future that biological element appeared up at a crime scene. Clearly you were there, right? <\/p>\n<p>Infrastructure: There is no significant existing infrastructure for the gathering of biological samples. Certainly there are some company level standards for employee timekeeping and local security, but none at general merchants. This is why something that uses existing infrastructure is less expensive.<\/p>\n<p>CHANGE DIRECTION &#8211; We need a conceptual shift from marginally better locks and vaults toward protecting the vital consumer data by never having critical information at the merchant. The merchant gets paid, the consumer gets billed, and even if crooks grab everything at the merchant, they can&#8217;t make purchases. Rather than expend considerable human and financial resources in what will be a perpetual battle between large IT shops and smaller, more nimble, crooks I suggest a simpler solution from the distant past that will stop damage today and in the future. <\/p>\n<p>In the Art of War Sun Tzu wrote,  \u201cHence to fight and conquer in all your battles is not supreme excellence; supreme excellence consists in breaking the enemy&#8217;s resistance without fighting.\u201d This is psychological warfare: breaking the enemy&#8217;s will to fight. Here, consider removing the crook&#8217;s motivation to steal by taking away even the possibility of reward. Think a moment on this question:<\/p>\n<p>    If crooks are eventually going to breach the vault,<br \/>\n     why put jewels there in the first place?<\/p>\n<p>The challenge is to create a transaction system capable of paying the merchant and billing the consumer without ever exposing the credentials necessary to successfully impersonate that consumer. Such a solution should work within existing transaction and communication infrastructures and serve not only card-present commerce, but growing volumes of electronic and mobile commerce. Even better, the solution should provide additional functionality for operational efficiencies for consumer and merchant and provide benefits to all three parties: consumer, merchant, and provider. <\/p>\n<p>Can it be done? 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guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444993-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1444993_reason\" id=\"comment-1444993-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1444993_reason_description\" id=\"comment-1444993-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<\/li><!-- #comment-## -->\n<\/ol><!-- .children -->\n<\/li><!-- #comment-## -->\n\t\t<li class=\"comment even thread-odd thread-alt depth-1 comment clearfix li-comment highlander-comment\" id=\"comment-1444868\" data-comment-id=\"1444868\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444868\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/d70c49cde1b8b5a8069c2512bdeca5d0?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">Fedup<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444868\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Apple Canada still does not have two factor authentication on their AppleIDs almost a year after they announced it in the US!  As of Jan 6th Canada is no longer mentioned on the Apple website nor are other countries that were at one time supposedly been mentioned. I would not put my faith in Apple securing credit card fraud when they can not even secure their own accounts properly. 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guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444868-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1444868_reason\" id=\"comment-1444868-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1444868_reason_description\" id=\"comment-1444868-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<\/li><!-- #comment-## -->\n\t\t<li class=\"comment odd alt thread-even depth-1 comment clearfix li-comment highlander-comment\" id=\"comment-1444865\" data-comment-id=\"1444865\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444865\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<!-- avatar info cached now --><a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/graph.facebook.com\/510529796\/picture\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">Patrick Stevens<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444865\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>Chip and Pin technology reduce fraud dramatically in the countries\/areas that adopt it. Europe, Canada and other parts of the world experience a dramatic drop in fraud after implementation. Why the US still resists it is bizarre.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444865&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444865&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=flag\" class=\"goicon icon-flag\" title=\"Flag this comment\">\n\t\t\t\t\t\t\t<\/a>\n\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<a 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guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444865-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1444865_reason\" id=\"comment-1444865-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1444865_reason_description\" id=\"comment-1444865-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<ol class=\"children\">\n\t\t<li class=\"comment even depth-2 comment clearfix li-comment highlander-comment\" id=\"comment-1444992\" data-comment-id=\"1444992\">\n\t\t\t<div class=\"div-comment\" id=\"div-comment-1444992\">\n\t\t\t\t<div class=\"comment-meta clearfix\">\n\t\t\t\t\t<div class=\"comment-author-avatar\">\n\t\t\t\t\t\t<a class=\"avatar-placeholder\" rel=\"nofollow\" href=\"https:\/\/secure.gravatar.com\/avatar\/0b4e516ea8041734ed3188591ce37cd2?d=retro&amp;s=55&amp;r=pg\"><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-info\">\n\t\t\t\t\t\t<cite class=\"comment-author\">Jonathan E. Jaffe<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<cite class=\"comment-replyee\"><a href=\"#comment-1444865\" title=\"Replyee\">Patrick Stevens<\/a><\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gigaom.com\/2014\/02\/01\/its-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple\/#comment-1444992\" class=\"comment-permalink\">Saturday, February 1, 2014<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"comment-content\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"comment-text\">\n\t\t\t\t\t\t<p>EMV may (I repeat may) be protecting the information, but it fails miserably in cost-effectiveness, ease-of-use and, oh yes, it has been compromised and will continue to be compromised. Crooks are not stupid and because they don&#8217;t have committee meetings, they are a lot more efficient.<\/p>\n<p>Read the description of how EMV is used in electronic commerce (from a computer) and mobile commerce (from a web-capable cell phone) from the horse&#8217;s mouth (see below). I have to have my own reader, another gadget to carry. I have to manually transfer a one-time password from one device to another. What a PITA! <\/p>\n<p>If internet connectivity is not available, or expensive to use, for an offline EMV transaction &#8220;&#8230; the card and terminal communicate and use issuer-defined risk parameters that are set in the card to determine whether the transaction can be authorized.&#8221; (see #q15 below) So I can&#8217;t make a purchase because my smart card wasn&#8217;t pre-configured for that level of &#8220;risk&#8221;, even though the cost is within my credit limit. <\/p>\n<p>OR, someone who has cloned my EMV card uses it for low-value purchases where there is no internet used to authenticate. Can&#8217;t be done? Already been done: See <a href=\"http:\/\/www.theregister.co.uk\/2011\/10\/10\/mifare_desfire_smartcard_broken\/\" rel=\"nofollow\">http:\/\/www.theregister.co.uk\/2011\/10\/10\/mifare_desfire_smartcard_broken\/<\/a> referring to researchers at Germany&#8217;s Ruhr University. How did they do it? &#8221; [ the researchers ] &#8230; extract the secret key material non-invasively, basically by pointing a radio probe at the card and monitoring it as it performs a transaction, &#8230; This is something that&#8217;s easily replicable with a few thousand dollars and a little amount of time, so it&#8217;s practical.&#8221; <\/p>\n<p>OR, completely bypass the PIN entry process to get authorization. Can&#8217;t be done? Already has been done: see article at <\/p>\n<p><a href=\"http:\/\/www.bbc.co.uk\/blogs\/newsnight\/susanwatts\/2010\/02\/new_flaws_in_chip_and_pin_syst.html\" rel=\"nofollow\">http:\/\/www.bbc.co.uk\/blogs\/newsnight\/susanwatts\/2010\/02\/new_flaws_in_chip_and_pin_syst.html<\/a><\/p>\n<p>We need a conceptual shift from protection to not needing the critical credentials to pay the merchant and bill the consumer. If the information isn&#8217;t there it can&#8217;t be compromised. Think about it this way<\/p>\n<p>If the crooks will breach the vault<br \/>\nwhy put jewels there in the first place?<\/p>\n<p>Jonathan<\/p>\n<p>= = <\/p>\n<p>from <a href=\"http:\/\/www.smartcardalliance.org\/pages\/publications-emv-faq#q12\" rel=\"nofollow\">http:\/\/www.smartcardalliance.org\/pages\/publications-emv-faq#q12<\/a><\/p>\n<p>&#8220;For an online transaction, the user would insert the EMV credit or debit card into a handheld reader. Once the user enters the PIN, the reader will display a one-time password which can be used to validate the user\u2019s identity. The user enters the password in the appropriate field on the merchant\u2019s checkout page (or online banking site) and the password is passed back to the issuer for authentication &#8230;&#8221;<\/p>\n<p>Re offline EMV transactions.<br \/>\nfrom <a href=\"http:\/\/www.smartcardalliance.org\/pages\/publications-emv-faq#q15\" rel=\"nofollow\">http:\/\/www.smartcardalliance.org\/pages\/publications-emv-faq#q15<\/a><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"comment-sharing clearfix\">\n\t\t\t\t\t\t\t\t<span class=\"comment-fave\">\n\t\t\t<a href=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444992&#038;bsocial-nonce=83180f751c&#038;user_id=0&#038;post_id=813105&#038;direction=fave\" class=\"goicon icon-fave\" title=\"Fave this comment\">\n\t\t\t\t<span class=\"fave-count\" data-count=\"0\">0<\/span>\n\t\t\t<\/a>\n\t\t<\/span>\n\t\t<span class=\"comment-flag\">\n\t\t\t<a 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href=\"https:\/\/gigaom2.wordpress.com\/wp-login.php?redirect_to=https%3A%2F%2Fgigaom.com%2F2014%2F02%2F01%2Fits-time-someone-solved-the-credit-card-fraud-problem-will-it-be-apple%2Fwijax%2F49e8740702c6da9341d50357217fb629\" class=\"goauth-wpdotcom\" rel=\"nofollow\" title=\"WordPress.com\"><i class=\"goicon icon-wordpress\"><\/i><\/a><\/li>\n\n\t\t\t\t<li><a href=\"https:\/\/accounts.gigaom.com\/subscription\/sign-in\/?redirect_to=\/?goauth_action=closewindow\" class=\"goauth-gigaom\" rel=\"nofollow\" title=\"Gigaom\"><i class=\"goicon logo-gigaom-stacked\"><\/i><\/a><\/li>\t\t<\/ul>\n\t\t\t\t\t<\/section>\n\t\t\t<section class=\"flag flag-logged-in\">\n\t\t\t\t<form class=\"go-standard\" action=\"https:\/\/gigaom.com\/wp-admin\/admin-ajax.php?action=bsocial_comments_comment_feedback&#038;comment_id=1444992&#038;bsocial-nonce=83180f751c&#038;direction=flag&#038;user_id=0&#038;post_id=813105\">\n\t\t\t\t\t<header>Reason for flagging this comment:<\/header>\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444992-reason-spam\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444992_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444992-reason-spam\"\n\t\t\t\t\t\t\t\tvalue=\"Spam\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"spam\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Spam<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444992-reason-personal-attack\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444992_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444992-reason-personal-attack\"\n\t\t\t\t\t\t\t\tvalue=\"Personal attack\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"personal-attack\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Personal attack<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444992-reason-profanity\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444992_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444992-reason-profanity\"\n\t\t\t\t\t\t\t\tvalue=\"Profanity\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"profanity\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Profanity<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444992-reason-violates-community-guidelines\">\n\t\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\ttype=\"radio\"\n\t\t\t\t\t\t\t\tclass=\"go-radio reason\"\n\t\t\t\t\t\t\t\tname=\"comment_1444992_reason\"\n\t\t\t\t\t\t\t\tid=\"comment-1444992-reason-violates-community-guidelines\"\n\t\t\t\t\t\t\t\tvalue=\"Violates community guidelines\"\n\t\t\t\t\t\t\t\tdata-reason-type=\"violates-community-guidelines\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<span>Violates <a href=\"https:\/\/gigaom.com\/community-guidelines\/\" target=\"_blank\">community guidelines<\/a><\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"comment-1444992-reason-other\">\n\t\t\t\t\t\t\t<input type=\"radio\" class=\"go-radio reason\" name=\"comment_1444992_reason\" id=\"comment-1444992-reason-other\" value=\"Other\" data-reason-type=\"other\">\n\t\t\t\t\t\t\t<span>Other<\/span>\n\t\t\t\t\t\t<\/label>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"other-describe\">\n\t\t\t\t\t\t<textarea placeholder=\"Please describe\" class=\"reason-description\" name=\"comment_1444992_reason_description\" id=\"comment-1444992-reason-description\"><\/textarea>\n\t\t\t\t\t\t<span class=\"required\">Describe your reason for flagging this comment.<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p>\n\t\t\t\t\t\t<button class=\"button primary comment-flag-confirm\" disabled=\"true\">Flag<\/button>\n\t\t\t\t\t\t<button class=\"button link cancel\">Cancel<\/button>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/form>\n\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t<\/li><!-- #comment-## -->\n<\/ol><!-- .children -->\n<\/li><!-- #comment-## -->\n<\/ol>\n";
