Apple’s WWDC 2017 – Security Issues Surrounding Peer-To-Peer Payments (Apple Pay)

The rumors of this year’s WWDC concerning Apple Pay came to a halt as key executives Craig Federighi, Phil Schiller, and Tim Cook took the stage at San Jose McEnery Convention Center. Many updates were announced to help developers work towards updating and releasing consumer apps in this fall, and to make consumers prepare themselves for the new dimensions Apple Pay is taking to join the queue of contactless cards. More so, Apple announced that Apple Pay has been integrated into iMessage, and people can now transfer money through iMessage conversations. But surprisingly, nothing was said about how Apple Inc. plans to tackle security issues concerning Apple Pay.

Apple WWDC 2017

Part 1: What is Apple Pay?

Apple Pay is a contactless card payment system designed with Near Field Communication (NFC) technology. With Apple Pay you are guaranteed to make secure purchases in retail stores, within apps, on the web, and now transfer funds to other users through iMessage conversations.

Apple pay is simple to use, and works with most iOS, watchOS and macOS devices. By integrating your credit card details to Apple Pay, you can make financial transaction with just a touch. Your card details are secured and are never shared with the retailer’s POS system. It is assumed to be a safer way to pay online in that it keeps your purchases private.

Apple pay

Part 2: Apple Pay: How Do You Set It Up?

Apple Pay works with Apple’s Wallet app on iPhone and other Apple devices. Hence, you will need to add your debit, credit or store card details to Apple’s wallet app. Here are the steps:

Step 1: Open your iPhone and click on Apple Wallet.
Step 2: Click on Add Credit or Debit Card.
Step 3: If your card has been added to iTunes, you only need to add your card’s security code. If not, Snap the information on your debit, credit or store care using your device camera, and fill in the additional information required.
Step 4: Your bank verification will be authenticated. If you are asked for additional verification, provide it.
Step 5: Click on Next to start using Apple Pay.

set up Apple pay

Part 3: Apple Pay: How Do You Use It?

Apple Pay has an API, which makes it possible to be used in paying for online services on the web or in apps. However, if you want to use Apple Pay in a retail stores, it would require Near Field Communication (NFC), and your Touch ID.

To pay for your shopping at checkout, just holdout your iPhone near the stores contactless reader device, while pressing down your iPhone’s wake button. You will feel a vibration and hear a beep to confirm your payment. If your Touch ID is not setup, you can wake your iPhone and enter your passcode to complete the transaction. The receipt of every transaction you make with Apple Pay will be available on your Wallet App.

how to use Apple pay

Part 4: 2017 Apple WWDC Security Concerns and Issues Surrounding Apple Pay

Before Apple key executive climbed the stage on Monday, there have been rumors on Apple’s ambition to create a Venmo-like payment service. Apple’s vice president of engineering announced to confirm the rumor is true, and that the payment service will be linked to Apple’s mobile wallet – Apple Pay. It will let users to transfer or receive money to or from their iOS contacts via iMessage.

Henceforth, Apple users will now be able to send and receive payments directly from a conversation with their contacts. The money sent or received will be deposited into the users’ Apple Pay account. It is expected to become the top contactless payment nationwide, and will available with over 50% of retailers before the year runs out.

2017 WWDC Apple Pay

1 Would Apple Pay Lead to Security Problems?

One of the numerous benefits of using apple pay is top level security, because it brings payment under the manifold protection of iOS. However, such encryption covers for hackers who try to bug into iOS devices. But let us look at a clearer scenario where Apple Pay may lead to security problems.

Think of what will happen if you give away or sell your iPhone without thoroughly formatting it? What if your iOS device is accessed by the wrong hands who can retrieve your embedded bankcard details? What happens when a friend transfers your money just by opening your iMessage app? You may claim to be too careful, but one can’t be too careful. Hence, all these are possible Apple Pay security problems.

2 How to Prevent Possible Apple Pay Security Problems

A good way to tackle Apple Pay (Apple Cash) security problem is by using strong iPhone data erasing tool to permanently erase all your private and sensitive data before selling or giving away your iPhone. There are several data cleaning tools available in the market, but I recommend that you choose the number 1 data destroyer; iMyFone Umate Pro or iMyFone Umate Pro for Mac for this task.

Windows version Mac version

Here are some of the features of iMyFone Umate Pro.

  • It supports to erase almost all iOS data: Message, Call history, Photos, Videos, Note, Safari history, Voice memo and much more!
  • It only takes very easy steps to thoroughly scan and wipe out all sensitive and personal data from your iPhone, iPad, and iPod Touch.
  • It doesn’t only wipe current sensitive files, it also erases all your previously deleted files as such files can be recovered by data recovery tool.
  • It erases also Third-party App data (messages & attachments): WhatsApp, WeChat, Viber, Kik, Facebook, Snapchat etc.
  • iMyFone is trusted by thousands of users (every year) and reported by well-known media around the world.

iPhone data eraser

3 Using iMyFone Umate to Erase iMessage Conversations

iMyFone Umate is designed with 4 erase modes that can permanently erase iOS data beyond recovery. But in this context, we shall be choosing Erase Private Data, which is closer to our data erasing needs. Here are the required steps:

Step 1: Connect your iPhone to your PC using USB cable.
Step 2: Choose Erase Private Data Mode.
Step 3: Click on Erase Now button.
Step 4: Select security level, and type “delete” into the box to confirm.
Step 5: Click Erase Now button again.
 Erase iMessage Conversations

After these steps, all your iMessage conversations and Wallet App card details will be expunged from your iPhone forever.


Part 5: Highlights of Apple WWDC 2017

1 HomePod speakers to rival Amazon’s Echo, Sonos Home, and Google’s Home.

The HomePod is Apple’s latest product. It is a 7-inch high speaker that is fitted with A8 chip. The speaker sound adjusts to properly fit the length and breadth of the room. It is controlled with Siri and can respond to voice commands. From the key executives, this technology is expected to rival Google’s Home speakers, Amazon Echo, and even Sonos Home speakers as well.

If the above statement is true, then this piece of tech must have amazing intelligence like Google Home, and deliver better sounds than Sonos Home speakers. Apple priced the HomePod at $349.

WWDC 2017 homepod

2 All-new 10.5-inch iPad Pro to come with slimmer left and right bezels.

10.5-inch iPad will be replacing the old 9.7-inch iPad pro. With the new iOS 11, iPad Pro will function more like Macintosh. It will come with a 12-megapixel camera, and 7MP front camera. It is expected to have 10 hours of battery life and would support USB 3.0.

One of the new features that we should expect to see in the new iPad Pro is ProMotion. It is meant to automatically adjust refresh rates, double refresh rates up to 120Hz, and reduce the Apple Pencil’s latency to 20 milliseconds. It will come with 64GB minimum storage space, and will be sold at a starting price of $649.

WWDC 2017 iPad Pro

3 All new iMac Pro with 8-core Xeon processor to join other upgraded specs by December.

We shall be seeing better memory power and enhanced processors in iMac desktop and MacBook laptops soon. Today, Apple unveiled a new MacBook that has 5k screen, and improved cooling capacity. The iMac Pro is expected to have up to 4TB of SSD, 128GB of ECC, 4 Thunderbolt 3 ports, and 10GB Ethernet.

They also introduced an updated iMac desktop with improved retina displays, higher graphic displays, Kaby Lake processor, and USB-C. Apple priced the new iMac to start at $1,099 for 21.5-inch model, while the iMac Pro is priced at $4,999.

WWDC 2017 imac pro

4 iOS 11 to include improved Siri, do not disturb driving mode, and phone-to-phone payments (Apple Pay).

iOS 11 will have better Siri communication in terms of speech, ability to translate sentences to other languages, and better suggestion options based on what you do with your iDevice. You can now delete your iMessages from any device since they are now integrated to iCloud. Payments through iMessage App is also available.

The new iOS 11 safety feature will automatically detect when you are driving, and switch to no disturb mode to prevent distractions. Apple music now supports shared playlist, where you can check out what your friends are listening to. The App Store supports better app discoveries, and has section for tips on how to use apps. It will also feature app of the day.

iOS 11

5 watchOS 4 to have new Siri watchface, fitness coaching, and new app browsing UI.

WatchOS will be coming with new faces that displays different type of information such as Siri reminders, visual display like Mickey Mouse, or other toy stories. It will feature fitness challenges to encourage the wearer to get more active in physical exercises. You can also pair Apple watch with fitness equipment to have better information on the level of calories you are burning during exercises.
WWDC 2017 Watch os 4

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