"I wouldn't do it, therefore [the other] is at fault for their lifestyle choice"
No one deserves to have their privacy invaded and their property stolen. The fault here is with the perpetrator entirely. Any other words of blame are despicable.
Assuming that this becomes successful, unlike Google wallet, it will still take years befor it's accepted almost universally. Some places still don't take credit cards!
It costs thousands for NFC terminals, and retailers have been very slow in replacing theirs with one of them. Google couldn't convince retailers to do this. But then, how many credit cards does Google have for people signed up with it? None? Apple has over 800 million, many more than any individual credit card company, and over four times as many as Amazon.
This could be a success, but it will take years. Apple will sell over 200 million phones in 2015. Most will have this chip. They'll sell possibly 15% more in 2016, and a greater percentage will have this chip. In three years, it's possible that there could be over 500 million iPhones with this inside. What about tablets? I haven't seen anything written about that aspect of it. If they have Touch ID, as expected, how much more would it cost to include this cheap NFC chip? Clumsy in a full size tablet, but possibly not so much for the 8" model.
I remember when I was 20 and got my first AmEx card (so long ago). It was a big deal back in 1970, but not now. The same will happen with this, but it will take time. Perhaps we won't need our cards at some point in the future. Or perhaps they will also come with NFC and radio.
Agreed. We're probably talking about a decade before widespread adoption, unless the credit card companies subsidize the transition because of superior Apple security, which could make subsidization financially sensible. This celebrity photo "scandal" may overshadow the security message, unfortunately. Apple is going to have to address this soon to quash fears about their services, no matter what is the real problem.
Agreed. We're probably talking about a decade before widespread adoption, unless the credit card companies subsidize the transition because of superior Apple security, which could make subsidization financially sensible. This celebrity photo "scandal" may overshadow the security message, unfortunately. Apple is going to have to address this soon to quash fears about their services, no matter what is the real problem.
I'm reading a lot of silliness about security that Apple needs, doesn't have, or whatever.
What so many people aren't thinking about, is that articles inevitably refer to this as "iTunes" accounts, when they really are Apple accounts. We are opening an Apple account that gives us access to iTunes, the App Store, the online store, and their retail operations in malls, etc. it's so much more than just iTunes.
I bought two 24" top of the line iMacs in 2008 through the online store for my wife and daughter that totaled $5,000. I bought my Mac Pro in 2009 that way, and my daughter's MacBook Pro in 2010, then her Retina MacBook Pro in 2013. A lot of additional stuff through the online store and their retail stores. Anyone who thinks Apple doesn't have payment security is nuts.
And with this, the credit card companies will be handling security on their end, as always. This is a more complex operation, to be sure, as it regards other retailers, and even possibly online stores at some point as the same as Apple's, I would imagine. But I don't think we need to worry about payment security any more than we do now. This has been done for decades, and it's pretty well understood. There will always be some fraud, but obviously, the amount has been small enough for the systems in place to work well.
If incriminating photos were made as a consenting adult, then they are responsible, whatever the content. If you don't want embarrassing photos made public, don't have the photos taken in the first place. Problem solved.
Agreed. I would never upload any "compromising" pictures or videos to any site, no matter how supposedly secure that site is, especially if I were a celebrity, who is an attractive target for hackers.
LOL!
Reminds me of when I worked for IBM in Las Vegas ...
We had this customer, Mac, who was a brilliant, crazy man -- but we were installing (a 6-12 month process) a new IBM 360 in his DP department. Since this was one of the biggest and most visible accounts in town, every IBM executive who came to town wanted to visit the installation. (Aside: it was very difficult to convince an IBM luminary to come to town ... yeah, right!).
Anyway the IBM salesman had scheduled a meeting between the IBM District Manager (way, way, up there) at the customer's office. I, as the Systems Engineer responsible for the installation. was in attendance.
There were about 7 or 8 people present at the meeting -- discussing schedule, plans and progress ...
Things went well, with all the necessary decorum ... As the meeting was breaking up, everybody shaking hands, smiling ...
At that moment, Mac asked me out loud, in front of everyone: "Dick, do you have any naked pictures of your wife?"
I'm reading a lot of silliness about security that Apple needs, doesn't have, or whatever.
What so many people aren't thinking about, is that articles inevitably refer to this as "iTunes" accounts, when they really are Apple accounts. We are opening an Apple account that gives us access to iTunes, the App Store, the online store, and their retail operations in malls, etc. it's so much more than just iTunes.
I bought two 24" top of the line iMacs in 2008 through the online store for my wife and daughter that totaled $5,000. I bought my Mac Pro in 2009 that way, and my daughter's MacBook Pro in 2010, then her Retina MacBook Pro in 2013. A lot of additional stuff through the online store and their retail stores. Anyone who thinks Apple doesn't have payment security is nuts.
And with this, the credit card companies will be handling security on their end, as always. This is a more complex operation, to be sure, as it regards other retailers, and even possibly online stores at some point as the same as Apple's, I would imagine. But I don't think we need to worry about payment security any more than we do now. This has been done for decades, and it's pretty well understood. There will always be some fraud, but obviously, the amount has been small enough for the systems in place to work well.
It's all about perception, not reality. Apple will address this at some point, hopefully before the 9th so the product announcement isn't overshadowed. They are probably working with the FBI on this if there has actually been a breach of some kind.
3) Why do celebrities take these in the first place? Do we need to create an entire semester class for middle school students to not take questionable photos or say things that could hurt them in the future? Seems like it’s more important than sexual education or home economics at this point. NOTHING EVER GOES AWAY!
By the time any intelligent decisions are made in the administration of education in this country, society will have collapsed because of unintelligent decisions and misadministration of education.
That goes for both changing formal education and creating a stigmatization of being a worthless parent.
Assuming that this becomes successful, unlike Google wallet, it will still take years befor it's accepted almost universally. Some places still don't take credit cards!
It costs thousands for NFC terminals, and retailers have been very slow in replacing theirs with one of them. Google couldn't convince retailers to do this. But then, how many credit cards does Google have for people signed up with it? None? Apple has over 800 million, many more than any individual credit card company, and over four times as many as Amazon.
This could be a success, but it will take years. Apple will sell over 200 million phones in 2015. Most will have this chip. They'll sell possibly 15% more in 2016, and a greater percentage will have this chip. In three years, it's possible that there could be over 500 million iPhones with this inside. What about tablets? I haven't seen anything written about that aspect of it. If they have Touch ID, as expected, how much more would it cost to include this cheap NFC chip? Clumsy in a full size tablet, but possibly not so much for the 8" model.
I remember when I was 20 and got my first AmEx card (so long ago). It was a big deal back in 1970, but not now. The same will happen with this, but it will take time. Perhaps we won't need our cards at some point in the future. Or perhaps they will also come with NFC and radio.
Agreed. We're probably talking about a decade before widespread adoption, unless the credit card companies subsidize the transition because of superior Apple security, which could make subsidization financially sensible. This celebrity photo "scandal" may overshadow the security message, unfortunately. Apple is going to have to address this soon to quash fears about their services, no matter what is the real problem.
I think subsidy may be the key. Say the major cc providers and Apple offer an iPad with a card reader for $200 (or less) per terminal -- to replace existing terminals. These can be self-contained and/or connected to the store/cc provider back end.
There would be 5 (actually 6) ways of operation in descending order of preference/convenience/security:
encrypted, perishable, one-shot token exchange with TouchID device
encrypted, cc data exchange with an TouchID device
encrypted, cc data exchange with a non-TouchID device
manually enter the cc data displayed on a non-TouchID device & get signature
swipe the credit card & get signature
rub the carbon of a credit card (or hand copy) on a receipt & get signature
The last 2 are the only ones involving a physical credit card.
Here's the deal. the cc companies can encourage their customers (vendors and card holders, alike) to use the preferred methods -- tiered lower transaction fees, tiered lower percent of charge, tiered lower prices, tiered cashback rewards ...
I think, done properly, that it would take less than 3 years to displace the majority of existing cc transaction terminals and methods.
And for those vendors that didn't conform -- likely, you wouldn't want to give them any info, anyway!
By the time any intelligent decisions are made in the administration of education in this country, society will have collapsed because of unintelligent decisions and misadministration of education.
That goes for both changing formal education and creating a stigmatization of being a worthless parent.
Interesting POV. We're doomed, so why bother? Or - not. "Education" takes many forms. Most of us come to sites like this to be educated, and post comments to "educate" others. For example:
I've read that there was a flaw in iCloud that was revealed at a Russian hacker convention two days ago, and that the hole was plugged by Apple today. Pretty fast work, IMHO, but it's just possible it wasn't - quite - fast enough. So maybe a bunch of hackers get together and "salt" a lot of compromising data stolen different times and ways with the few that were hacked into before Apple shut the door, use the occasion to raise the visibility of their scam, and pick up some Bitcoins (blackmail even?).
That assumes, of course, that the original hackers were all "honorable" and gave Apple a fair chance to seal the hole, and haven't been exploiting it for far longer than two days.
There. I just "educated" readers to yet another possible scenario. Mission accomplished.
Your statement is self-contradictory. If it's easy to use and secure, then it's effective. Think first before you submit your comment.
In fact 'easy' and 'secure' in same sentence is the panacea we are all looking for (real people, and us security types). This is pretty darn close to what the internet has been possible to do since X.50x was dreamed (nightmared) up. The issue has always been one of establishing trust of the endpoint and the delegation of trust from there. Apple is the first to build a HW/OS/Infrastructure that can deliver that level of trust. Add in a fingerprint reader, now you've made it pretty easy. Put SW into the Point of Sale that engages this trust model, and you get both less friction (easy to buy), and less risk (not needing to pass 'secrets' that can be intercepted, as the entire transaction is a time (NTP) and endpoint (HW/User pairing) specific (can't replay the Xaction, due to time limits, can get the credential because it's endpoint specific (encrypted in the private key of the phone/user, and the public key is homed by Apple).
[rant]
Much like the iCloud issue, however, easy and secure also requires 'diligence.' I was closing up holes like the purported issue that was exploited/patched 8 years ago on banking sites... Nothing like showing logs to managers of 30 odd bots 'walking' through the username/password combinations on a ancillary web site that didn't have the same code as the main site. This is a level zero hack (brute force and ignorance), nothing a script kiddie couldn't do. Why nude female celebrities... well, I'm 'profiling' the usual suspects, and my guess those 'ass'ets had some 'currency' in the circles they travel in.
I'm sittin' here kinda' usin' up time (and space).
I was kinda' hopin' for a new developer software drop from Apple ...
Weird thing, tho ... I don't really want a newer iOS 8 or Yosemite ...
I want Xcode beta 7!
I've become a Swift junkie and am having some problems with Swift Storyboards Bindings that I think are bugs -- and I suspect that these will be fixed in a new drop.
C'mon Apple -- you can do it! And the Dload will go a lot faster on a holiday ...
I'm reading a lot of silliness about security that Apple needs, doesn't have, or whatever.
What so many people aren't thinking about, is that articles inevitably refer to this as "iTunes" accounts, when they really are Apple accounts. We are opening an Apple account that gives us access to iTunes, the App Store, the online store, and their retail operations in malls, etc. it's so much more than just iTunes.
I bought two 24" top of the line iMacs in 2008 through the online store for my wife and daughter that totaled $5,000. I bought my Mac Pro in 2009 that way, and my daughter's MacBook Pro in 2010, then her Retina MacBook Pro in 2013. A lot of additional stuff through the online store and their retail stores. Anyone who thinks Apple doesn't have payment security is nuts.
And with this, the credit card companies will be handling security on their end, as always. This is a more complex operation, to be sure, as it regards other retailers, and even possibly online stores at some point as the same as Apple's, I would imagine. But I don't think we need to worry about payment security any more than we do now. This has been done for decades, and it's pretty well understood. There will always be some fraud, but obviously, the amount has been small enough for the systems in place to work well.
The problem with credit cards has always been the final miles or central aggregators (Processors). the point where your card leaves your hand and walks to the PoS device it's ripe for the taking, and all the 'secrets' are on it.
Getting a smart card, where the transaction is one time only readable by the sender (you) and the receiver (bank... pay retailer X $Y.YY... for transaction X.TXid...Retailer X... here is your money/approval for Transaction X.TXid... you'll get paid by us $Y.YY) is the simple deal that having a PKI that covers the buyer/seller/bank so that it's a lot harder (not impossible) to hack in the middle.
There will always be breaches in the back end, or user stupidity. but the system can be a lot better, without the 'leakage' that occurs now.
Quote:
Originally Posted by SpamSandwich
It's all about perception, not reality. Apple will address this at some point, hopefully before the 9th so the product announcement isn't overshadowed. They are probably working with the FBI on this if there has actually been a breach of some kind.
true, and for the most part, this reads (if correlation is causation... I'm hearing some dropbox/generic hacked password stuff... [they may have hacked passwords at Apple and/or other places and then tried them everywhere].
This starts to beg the question... how long until touchID on a keyboard/trackpad/Macbook? The single point of failure problem is tractable in apple's world (minimally that a failed password guess should flag a phone call/email to the real user)
Quote:
Originally Posted by Dick Applebaum
I think subsidy may be the key. Say the major cc providers and Apple offer an iPad with a card reader for $200 (or less) per terminal -- to replace existing terminals. These can be self-contained and/or connected to the store/cc provider back end.
There would be 5 (actually 6) ways of operation in descending order of preference/convenience/security:
encrypted, perishable, one-shot token exchange with TouchID device
encrypted, cc data exchange with an TouchID device
encrypted, cc data exchange with a non-TouchID device
manually enter the cc data displayed on a non-TouchID device & get signature
swipe the credit card & get signature
rub the carbon of a credit card (or hand copy) on a receipt & get signature
The last 2 are the only ones involving a physical credit card.
Here's the deal. the cc companies can encourage their customers (vendors and card holders, alike) to use the preferred methods -- tiered lower transaction fees, tiered lower percent of charge, tiered lower prices, tiered cashback rewards ...
I think, done properly, that it would take less than 3 years to displace the majority of existing cc transaction terminals and methods.
And for those vendors that didn't conform -- likely, you wouldn't want to give them any info, anyway!
Subsidy is one term
Disintermediation is the other.
Apple can sell a PoS solution as well, or get people to build one for spec that basically uses the best of breed of iPhone/iOS/Apple Ecommerce.
I still see that as the long game. Until Apple issues their own credit card, the VMA (visa master card amex), will play with them, because what they want is consumer confidence in their system. the Payment card processors (the heartland's of the world), are a necessary evil, the middlemen who vet retailers, do the 'final mile' networking and customer service, and route traffic. That's where a lion's share of the costs go. Everyone but the middlemen want to get rid of them. Apple could do that, minimally for all transactions running through their ecomm system.
The other way of looking at this is to realize that most people without credit cards (and regions that don't use them) are not in Apple's target market. The people who have iPhones are the ones who make the most credit card purchases.
If incriminating photos were made as a consenting adult, then they are responsible, whatever the content. If you don't want embarrassing photos made public, don't have the photos taken in the first place. Problem solved.
Among other things, taking something from someone's account and publishing it is no different than someone breaking into your home and taking a picture you took. Now imagine that you took a picture (no matter the content) and someone took it from your house or your wallet. Would the argument, "Well, if you didn't want someone else to have it you shouldn't have taken it in the first place," really fly -- with anyone?
As was pointed out earlier in this very thread, the person who did this with Scarlett Johansson and Mila Kunis received 10 years in prison. It's a crime. The victim is not at fault. The criminal is.
Among other things, taking something from someone's account and publishing it is no different than someone breaking into your home and taking a picture you took. Now imagine that you took a picture (no matter the content) and someone took it from your house or your wallet. Would the argument, "Well, if you didn't want someone else to have it you shouldn't have taken it in the first place," really fly -- with anyone?
As was pointed out earlier in this very thread, the person who did this with Scarlett Johansson and Mila Kunis received 10 years in prison. It's a crime. The victim is not at fault. The criminal is.
But if the photos were normal ones of clothed celebrities, there would have been no value to them, and therefore no issue. The celebrities were complete idiots to have embarrassing photos of themselves stored online. They have no-one to blame but themselves.
Among other things, taking something from someone's account and publishing it is no different than someone breaking into your home and taking a picture you took. Now imagine that you took a picture (no matter the content) and someone took it from your house or your wallet.
Except the pictures were taken from the warehouse where a whole bunch of people had their pictures. I can protect my house by my own hand. I cannot protect the warehouse.
Originally Posted by Benjamin Frost
Indeed. That's where a tyranny is much more effective. A benevolent tyranny is probably the ideal system.
Comments
"I wouldn't do it, therefore [the other] is at fault for their lifestyle choice"
No one deserves to have their privacy invaded and their property stolen. The fault here is with the perpetrator entirely. Any other words of blame are despicable.
Agreed. We're probably talking about a decade before widespread adoption, unless the credit card companies subsidize the transition because of superior Apple security, which could make subsidization financially sensible. This celebrity photo "scandal" may overshadow the security message, unfortunately. Apple is going to have to address this soon to quash fears about their services, no matter what is the real problem.
I'm reading a lot of silliness about security that Apple needs, doesn't have, or whatever.
What so many people aren't thinking about, is that articles inevitably refer to this as "iTunes" accounts, when they really are Apple accounts. We are opening an Apple account that gives us access to iTunes, the App Store, the online store, and their retail operations in malls, etc. it's so much more than just iTunes.
I bought two 24" top of the line iMacs in 2008 through the online store for my wife and daughter that totaled $5,000. I bought my Mac Pro in 2009 that way, and my daughter's MacBook Pro in 2010, then her Retina MacBook Pro in 2013. A lot of additional stuff through the online store and their retail stores. Anyone who thinks Apple doesn't have payment security is nuts.
And with this, the credit card companies will be handling security on their end, as always. This is a more complex operation, to be sure, as it regards other retailers, and even possibly online stores at some point as the same as Apple's, I would imagine. But I don't think we need to worry about payment security any more than we do now. This has been done for decades, and it's pretty well understood. There will always be some fraud, but obviously, the amount has been small enough for the systems in place to work well.
LOL!
Reminds me of when I worked for IBM in Las Vegas ...
We had this customer, Mac, who was a brilliant, crazy man -- but we were installing (a 6-12 month process) a new IBM 360 in his DP department. Since this was one of the biggest and most visible accounts in town, every IBM executive who came to town wanted to visit the installation. (Aside: it was very difficult to convince an IBM luminary to come to town ... yeah, right!).
Anyway the IBM salesman had scheduled a meeting between the IBM District Manager (way, way, up there) at the customer's office. I, as the Systems Engineer responsible for the installation. was in attendance.
There were about 7 or 8 people present at the meeting -- discussing schedule, plans and progress ...
Things went well, with all the necessary decorum ... As the meeting was breaking up, everybody shaking hands, smiling ...
At that moment, Mac asked me out loud, in front of everyone: "Dick, do you have any naked pictures of your wife?"
Embarrassed, I said: "No-o!" with emphasis!
Mac said: "Wanna' buy some?"
It's all about perception, not reality. Apple will address this at some point, hopefully before the 9th so the product announcement isn't overshadowed. They are probably working with the FBI on this if there has actually been a breach of some kind.
By the time any intelligent decisions are made in the administration of education in this country, society will have collapsed because of unintelligent decisions and misadministration of education.
That goes for both changing formal education and creating a stigmatization of being a worthless parent.
I think subsidy may be the key. Say the major cc providers and Apple offer an iPad with a card reader for $200 (or less) per terminal -- to replace existing terminals. These can be self-contained and/or connected to the store/cc provider back end.
There would be 5 (actually 6) ways of operation in descending order of preference/convenience/security:
The last 2 are the only ones involving a physical credit card.
Here's the deal. the cc companies can encourage their customers (vendors and card holders, alike) to use the preferred methods -- tiered lower transaction fees, tiered lower percent of charge, tiered lower prices, tiered cashback rewards ...
I think, done properly, that it would take less than 3 years to displace the majority of existing cc transaction terminals and methods.
And for those vendors that didn't conform -- likely, you wouldn't want to give them any info, anyway!
I've read that there was a flaw in iCloud that was revealed at a Russian hacker convention two days ago, and that the hole was plugged by Apple today. Pretty fast work, IMHO, but it's just possible it wasn't - quite - fast enough. So maybe a bunch of hackers get together and "salt" a lot of compromising data stolen different times and ways with the few that were hacked into before Apple shut the door, use the occasion to raise the visibility of their scam, and pick up some Bitcoins (blackmail even?).
That assumes, of course, that the original hackers were all "honorable" and gave Apple a fair chance to seal the hole, and haven't been exploiting it for far longer than two days.
There. I just "educated" readers to yet another possible scenario. Mission accomplished.
Your statement is self-contradictory. If it's easy to use and secure, then it's effective. Think first before you submit your comment.
In fact 'easy' and 'secure' in same sentence is the panacea we are all looking for (real people, and us security types). This is pretty darn close to what the internet has been possible to do since X.50x was dreamed (nightmared) up. The issue has always been one of establishing trust of the endpoint and the delegation of trust from there. Apple is the first to build a HW/OS/Infrastructure that can deliver that level of trust. Add in a fingerprint reader, now you've made it pretty easy. Put SW into the Point of Sale that engages this trust model, and you get both less friction (easy to buy), and less risk (not needing to pass 'secrets' that can be intercepted, as the entire transaction is a time (NTP) and endpoint (HW/User pairing) specific (can't replay the Xaction, due to time limits, can get the credential because it's endpoint specific (encrypted in the private key of the phone/user, and the public key is homed by Apple).
[rant]
Much like the iCloud issue, however, easy and secure also requires 'diligence.' I was closing up holes like the purported issue that was exploited/patched 8 years ago on banking sites... Nothing like showing logs to managers of 30 odd bots 'walking' through the username/password combinations on a ancillary web site that didn't have the same code as the main site. This is a level zero hack (brute force and ignorance), nothing a script kiddie couldn't do. Why nude female celebrities... well, I'm 'profiling' the usual suspects, and my guess those 'ass'ets had some 'currency' in the circles they travel in.
[/rant]
I'm sittin' here kinda' usin' up time (and space).
I was kinda' hopin' for a new developer software drop from Apple ...
Weird thing, tho ... I don't really want a newer iOS 8 or Yosemite ...
I want Xcode beta 7!
I've become a Swift junkie and am having some problems with Swift Storyboards Bindings that I think are bugs -- and I suspect that these will be fixed in a new drop.
C'mon Apple -- you can do it! And the Dload will go a lot faster on a holiday ...
Nope. “We’re doomed because decisions aren’t made quickly enough to be effective.”
I'm reading a lot of silliness about security that Apple needs, doesn't have, or whatever.
What so many people aren't thinking about, is that articles inevitably refer to this as "iTunes" accounts, when they really are Apple accounts. We are opening an Apple account that gives us access to iTunes, the App Store, the online store, and their retail operations in malls, etc. it's so much more than just iTunes.
I bought two 24" top of the line iMacs in 2008 through the online store for my wife and daughter that totaled $5,000. I bought my Mac Pro in 2009 that way, and my daughter's MacBook Pro in 2010, then her Retina MacBook Pro in 2013. A lot of additional stuff through the online store and their retail stores. Anyone who thinks Apple doesn't have payment security is nuts.
And with this, the credit card companies will be handling security on their end, as always. This is a more complex operation, to be sure, as it regards other retailers, and even possibly online stores at some point as the same as Apple's, I would imagine. But I don't think we need to worry about payment security any more than we do now. This has been done for decades, and it's pretty well understood. There will always be some fraud, but obviously, the amount has been small enough for the systems in place to work well.
The problem with credit cards has always been the final miles or central aggregators (Processors). the point where your card leaves your hand and walks to the PoS device it's ripe for the taking, and all the 'secrets' are on it.
Getting a smart card, where the transaction is one time only readable by the sender (you) and the receiver (bank... pay retailer X $Y.YY... for transaction X.TXid...Retailer X... here is your money/approval for Transaction X.TXid... you'll get paid by us $Y.YY) is the simple deal that having a PKI that covers the buyer/seller/bank so that it's a lot harder (not impossible) to hack in the middle.
There will always be breaches in the back end, or user stupidity. but the system can be a lot better, without the 'leakage' that occurs now.
It's all about perception, not reality. Apple will address this at some point, hopefully before the 9th so the product announcement isn't overshadowed. They are probably working with the FBI on this if there has actually been a breach of some kind.
true, and for the most part, this reads (if correlation is causation... I'm hearing some dropbox/generic hacked password stuff... [they may have hacked passwords at Apple and/or other places and then tried them everywhere].
This starts to beg the question... how long until touchID on a keyboard/trackpad/Macbook? The single point of failure problem is tractable in apple's world (minimally that a failed password guess should flag a phone call/email to the real user)
Originally Posted by Dick Applebaum
I think subsidy may be the key. Say the major cc providers and Apple offer an iPad with a card reader for $200 (or less) per terminal -- to replace existing terminals. These can be self-contained and/or connected to the store/cc provider back end.
There would be 5 (actually 6) ways of operation in descending order of preference/convenience/security:
The last 2 are the only ones involving a physical credit card.
Here's the deal. the cc companies can encourage their customers (vendors and card holders, alike) to use the preferred methods -- tiered lower transaction fees, tiered lower percent of charge, tiered lower prices, tiered cashback rewards ...
I think, done properly, that it would take less than 3 years to displace the majority of existing cc transaction terminals and methods.
And for those vendors that didn't conform -- likely, you wouldn't want to give them any info, anyway!
Subsidy is one term
Disintermediation is the other.
Apple can sell a PoS solution as well, or get people to build one for spec that basically uses the best of breed of iPhone/iOS/Apple Ecommerce.
I still see that as the long game. Until Apple issues their own credit card, the VMA (visa master card amex), will play with them, because what they want is consumer confidence in their system. the Payment card processors (the heartland's of the world), are a necessary evil, the middlemen who vet retailers, do the 'final mile' networking and customer service, and route traffic. That's where a lion's share of the costs go. Everyone but the middlemen want to get rid of them. Apple could do that, minimally for all transactions running through their ecomm system.
The other way of looking at this is to realize that most people without credit cards (and regions that don't use them) are not in Apple's target market. The people who have iPhones are the ones who make the most credit card purchases.
... But your point doesn’t say that at all.
No education required.
If incriminating photos were made as a consenting adult, then they are responsible, whatever the content. If you don't want embarrassing photos made public, don't have the photos taken in the first place. Problem solved.
*headdesk*
I fail to see the problem.
I fail to see the problem.
Among other things, taking something from someone's account and publishing it is no different than someone breaking into your home and taking a picture you took. Now imagine that you took a picture (no matter the content) and someone took it from your house or your wallet. Would the argument, "Well, if you didn't want someone else to have it you shouldn't have taken it in the first place," really fly -- with anyone?
As was pointed out earlier in this very thread, the person who did this with Scarlett Johansson and Mila Kunis received 10 years in prison. It's a crime. The victim is not at fault. The criminal is.
Nope. “We’re doomed because decisions aren’t made quickly enough to be effective.”
Indeed. That's where a tyranny is much more effective. A benevolent tyranny is probably the ideal system.
I fail to see the problem.
Among other things, taking something from someone's account and publishing it is no different than someone breaking into your home and taking a picture you took. Now imagine that you took a picture (no matter the content) and someone took it from your house or your wallet. Would the argument, "Well, if you didn't want someone else to have it you shouldn't have taken it in the first place," really fly -- with anyone?
As was pointed out earlier in this very thread, the person who did this with Scarlett Johansson and Mila Kunis received 10 years in prison. It's a crime. The victim is not at fault. The criminal is.
But if the photos were normal ones of clothed celebrities, there would have been no value to them, and therefore no issue. The celebrities were complete idiots to have embarrassing photos of themselves stored online. They have no-one to blame but themselves.
Except the pictures were taken from the warehouse where a whole bunch of people had their pictures. I can protect my house by my own hand. I cannot protect the warehouse.