Re: Apple Pay Exposes Insecure Bank Policies

From	"Rod Speed" <rod.speed.aaa@gmail.com>
Newsgroups	misc.phone.mobile.iphone, comp.mobile.ipad, comp.sys.mac.system
Subject	Re: Apple Pay Exposes Insecure Bank Policies
Date	2015-03-22 17:28 +1100
Message-ID	<cn75p6Flc5jU1@mid.individual.net> (permalink)
References	<200320151703579843%michelle@michelle.org> <cn4tk1F3eloU2@mid.individual.net> <slrnmgs7bl.e00.g.kreme@kreme.eternal-september.org> <550e4a73$0$25110$c3e8da3$92d0a893@news.astraweb.com>

Cross-posted to 3 groups.

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JF Mezei <jfmezei.spamnot@vaxination.ca> wrote
> Lewis wrote

>> Fact: ONLY the bank can decide if a card is added to Apple Pay.
>> ONLY the bank can decide if the card is valid or risky. ONLY the
>> bank can decide how much verification is needed. ONLY. The. Bank.

> In an ideal environment where the bank controls
> the full system, you are entirely correct.

He isn't correct even in that situation. The reality is that the bank
only has the info that Apple chooses to provide if they don’t want
to require everyone who adds a card to applepay to ring the bank
to get the back to allow that.

> Consider for instance the delivery of physical cards to cardholders.
> The banks use the post office and adjust their policies/procedures
> accordingly. When it is insecure delivery, the banks can decide to
> force the customer to call in to activate the card.  The post office
> doesn't dictate how the bank should operate.

> The post office doesn't advertise how credit cards work.

That isn't relevant to what is being discussed.

> Apple announced to billions of people in its keynote
> (ok, Bones tells me it is thousands :-) how Apple Pay
> worked and this is meddling with "banking"

It is doing nothing of the sort, JUST making
it easier to use your current cards.

> and makes it harder for an individual bank to
> work differently than what Apple announced.

Apple didn’t say anything about how the bank
handles the request to add the card to applepay.

> AWhile the transactions themselves are treated "normally" using
> existing networks and new standards for ephemeric card numbers,
> one major aspect is that an Apple supplied app (Passport) which
> communicates with Apple servers established the credit card
> relationship with the bank instead of using a bank supplied app which
> communicates directly with the bank and is fully within the banks control.

That's all a separate issue to what is being
discussed, adding the card to applepay.

> So banks dont control what information the Apple supplied
> app will provide them as they would if it were their own app.

But they are free to call the customer and get that info that
way, and to pay the very high cost of doing it that way.

> So yes, bank can paliate this by insisting customers contact
> the bank to provide missing authentication information,

It isn't missing.

> or they can "benefit" but Apple's "easy as apple pie"
> marketing of Apple Pay, at the risk of higher fraud rates.

Or they can just notify their customers that the card has
been added to applepay so that the customer can have
the card stopped if they have not done that themselves.

> Bottom line is that the bank retains responsability for evaluating the
> fraud risk fo Apple's service. But it is not so easy to go against the
> 10,000 kg gorilla (Apple) that has extremely strong marketing force.

And which has already turned entire industrys on their
head a number of times now and could well be about
to do that again with paying for stuff in person and any
bank that chooses to not have anything to do with that
until they see how it pans out risks seeing hordes of their
customers move to a bank which isn't so stupid and short
sighted. The cost of those lost customers may well be MUCH
more than they actually lose in fraudulent transactions given
that the card holder will eventually notice that the card has
been added to applepay and looted quite quickly.

Thread

Apple Pay Exposes Insecure Bank Policies Michelle Steiner <michelle@michelle.org> - 2015-03-20 17:03 -0700
  Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-20 20:28 -0400
    Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-21 14:38 +1100
  Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-21 13:55 +1100
    Re: Apple Pay Exposes Insecure Bank Policies Michelle Steiner <michelle@michelle.org> - 2015-03-20 20:59 -0700
      Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-21 16:51 +1100
        Re: Apple Pay Exposes Insecure Bank Policies Michelle Steiner <michelle@michelle.org> - 2015-03-21 07:53 -0700
          Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 05:19 +1100
  Re: Apple Pay Exposes Insecure Bank Policies Huge <Huge@nowhere.much.invalid> - 2015-03-21 09:57 +0000
    Re: Apple Pay Exposes Insecure Bank Policies Alan Browne <alan.browne@freelunchvideotron.ca> - 2015-03-21 09:06 -0400
      Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-21 13:11 -0400
        Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 05:51 +1100
          Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-21 15:10 -0400
            Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 06:24 +1100
        Re: Apple Pay Exposes Insecure Bank Policies Alan Browne <alan.browne@freelunchvideotron.ca> - 2015-03-21 17:49 -0400
          Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-21 21:10 -0400
            Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 13:18 +0000
    Re: Apple Pay Exposes Insecure Bank Policies nospam <nospam@nospam.invalid> - 2015-03-21 10:57 -0400
      Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-21 15:01 +0000
        Re: Apple Pay Exposes Insecure Bank Policies me@home.spamsucks.ca (Király) - 2015-03-21 16:20 +0000
          Re: Apple Pay Exposes Insecure Bank Policies nospam <nospam@nospam.invalid> - 2015-03-21 12:38 -0400
            Re: Apple Pay Exposes Insecure Bank Policies me@home.spamsucks.ca (Király) - 2015-03-21 17:18 +0000
              Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 05:55 +1100
              Re: Apple Pay Exposes Insecure Bank Policies nospam <nospam@nospam.invalid> - 2015-03-21 17:15 -0400
              Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 13:04 +0000
                Re: Apple Pay Exposes Insecure Bank Policies Warren Oates <warren.oates@gmail.com> - 2015-03-22 10:11 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 14:16 +0000
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-22 22:29 +0000
            Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-21 13:40 -0400
          Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 05:32 +1100
          Re: Apple Pay Exposes Insecure Bank Policies Michelle Steiner <michelle@michelle.org> - 2015-03-21 15:08 -0700
          Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 13:02 +0000
        Re: Apple Pay Exposes Insecure Bank Policies Alan Browne <alan.browne@freelunchvideotron.ca> - 2015-03-21 17:46 -0400
          Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 13:19 +0000
            Re: Apple Pay Exposes Insecure Bank Policies Alan Browne <alan.browne@freelunchvideotron.ca> - 2015-03-22 09:52 -0400
              Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 14:12 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 05:00 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Alan Browne <alan.browne@freelunchvideotron.ca> - 2015-03-22 18:58 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 23:32 +0000
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 20:30 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 01:20 +0000
                Re: Apple Pay Exposes Insecure Bank Policies Warren Oates <warren.oates@gmail.com> - 2015-03-22 21:10 -0400
                Re: Apple Pay Exposes Insecure Bank Policies George Kerby <ghost_topper@hotmail.com> - 2015-03-23 09:47 -0500
                Re: Apple Pay Exposes Insecure Bank Policies Alan Browne <alan.browne@freelunchvideotron.ca> - 2015-03-22 22:48 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 02:50 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 13:54 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 03:31 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "D.F. Manno" <dfmanno@mail.com> - 2015-03-23 14:20 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-24 05:53 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 19:05 +0000
                Apple Watch Kills; was: Apple Pay Exposes Insecure Bank Policies John McWilliams <jpmcw@comcast.net> - 2015-03-24 10:20 -0700
                Re: Apple Watch Kills; was: Apple Pay Exposes Insecure Bank Policies Alan Browne <alan.browne@freelunchvideotron.ca> - 2015-03-24 19:06 -0400
              Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 02:35 +0000
      Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 05:22 +1100
        Re: Apple Pay Exposes Insecure Bank Policies nospam <nospam@nospam.invalid> - 2015-03-21 17:15 -0400
          Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 12:17 +1100
    Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-21 13:03 -0400
      Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 05:44 +1100
      Re: Apple Pay Exposes Insecure Bank Policies Huge <Huge@nowhere.much.invalid> - 2015-03-21 21:57 +0000
      Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 13:14 +0000
        Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 13:54 -0400
          Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 05:14 +1100
            Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 14:38 -0400
              Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 05:54 +1100
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 15:09 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 06:24 +1100
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 17:15 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 09:00 +1100
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 20:06 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 11:24 +1100
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 21:10 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 12:43 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 02:33 +0000
              Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 23:26 +0000
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 20:28 -0400
                Re: Apple Pay Exposes Insecure Bank Policies nospam <nospam@nospam.invalid> - 2015-03-22 20:30 -0400
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 21:06 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 12:40 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 01:12 +0000
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 21:23 -0400
                Re: Apple Pay Exposes Insecure Bank Policies nospam <nospam@nospam.invalid> - 2015-03-22 21:26 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 01:46 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 12:52 +1100
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 22:22 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 13:49 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 03:25 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "D.F. Manno" <dfmanno@mail.com> - 2015-03-23 13:33 -0400
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-23 14:08 -0400
                Re: Apple Pay Exposes Insecure Bank Policies nospam <nospam@nospam.invalid> - 2015-03-23 14:09 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 18:33 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-24 05:49 +1100
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 12:37 +1100
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 22:15 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 02:29 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 13:43 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 03:18 +0000
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 13:30 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-24 05:44 +1100
              Re: Apple Pay Exposes Insecure Bank Policies "D.F. Manno" <dfmanno@mail.com> - 2015-03-23 15:04 -0400
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-23 15:16 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 19:33 +0000
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-23 15:51 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 19:59 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-24 07:07 +1100
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-23 16:36 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-24 08:37 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 21:45 +0000
                Re: Apple Pay Exposes Insecure Bank Policies dempson@actrix.gen.nz (David Empson) - 2015-03-24 10:51 +1300
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-23 18:43 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 22:56 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-24 10:29 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-24 05:36 +0000
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-24 01:47 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-24 19:44 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-24 15:04 +0000
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-24 05:35 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-24 07:02 +1100
          Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 23:05 +0000
            Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 20:19 -0400
              Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 00:36 +0000
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 21:18 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 01:36 +0000
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 22:12 -0400
                Re: Apple Pay Exposes Insecure Bank Policies nospam <nospam@nospam.invalid> - 2015-03-22 22:20 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 02:30 +0000
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 02:24 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 13:39 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Savageduck <savageduck1@{REMOVESPAM}me.com> - 2015-03-22 20:05 -0700
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 23:46 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 15:00 +1100
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 14:52 +1100
                Re: Apple Pay Exposes Insecure Bank Policies nospam <nospam@nospam.invalid> - 2015-03-23 00:10 -0400
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 18:58 +0000
                Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-23 13:41 +0000
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 18:52 +0000
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 12:48 +1100
              Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 12:33 +1100
              Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 03:13 +0000
          Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 02:29 +0000
          Re: Apple Pay Exposes Insecure Bank Policies "D.F. Manno" <dfmanno@mail.com> - 2015-03-23 12:59 -0400
            Re: Apple Pay Exposes Insecure Bank Policies News <News@Group.Post> - 2015-03-23 13:14 -0400
    Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-22 01:39 +0000
      Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 00:52 -0400
        Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 02:11 -0400
          Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 17:44 +1100
        Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-22 06:22 +0000
          Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 02:40 -0400
            Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-22 22:17 +0000
        Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 17:28 +1100
          Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 02:47 -0400
            Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 17:56 +1100
              Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 04:09 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 19:14 +1100
                Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 04:47 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-22 20:40 +1100
            Re: Apple Pay Exposes Insecure Bank Policies Kurt Ullman <kurtullman@yahoo.com> - 2015-03-22 08:49 -0400
              Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 13:38 +0000
              Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 04:38 +1100
            Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-22 22:23 +0000
              Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 20:13 -0400
                Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 12:30 +1100
                Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 03:11 +0000
        Re: Apple Pay Exposes Insecure Bank Policies Kurt Ullman <kurtullman@yahoo.com> - 2015-03-22 08:43 -0400
          Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 13:36 +0000
          Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 04:31 +1100
        Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 13:24 +0000
          Re: Apple Pay Exposes Insecure Bank Policies JF Mezei <jfmezei.spamnot@vaxination.ca> - 2015-03-22 14:04 -0400
            Re: Apple Pay Exposes Insecure Bank Policies "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-03-23 05:25 +1100
            Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 23:15 +0000
            Re: Apple Pay Exposes Insecure Bank Policies Lewis <g.kreme@gmail.com.dontsendmecopies> - 2015-03-23 02:40 +0000
  Re: Apple Pay Exposes Insecure Bank Policies Alan Browne <alan.browne@freelunchvideotron.ca> - 2015-03-21 09:02 -0400
  Re: Apple Pay Exposes Insecure Bank Policies George Kerby <ghost_topper@hotmail.com> - 2015-03-21 11:43 -0500
    Re: Apple Pay Exposes Insecure Bank Policies Jolly Roger <jollyroger@pobox.com> - 2015-03-22 13:10 +0000

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