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Of all the complaints anyone is going to lodge about an Apple product these days, insufficient security is likely not too high on the list.In fact, some — like the Department of Justice — would really, really like if Apple could bring itself to be just a little bit less secure. That dedication to security was baked into Apple Pay pretty much from the word “go” — with two different independent variables.

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Tokens, said simply, are useful by the very nature of being useless — or, at least, useless to anyone lacking an encryption key that turns that tokenized data package back into something usable. Credit card numbers are relatively easy to come across if one knows which end of the Dark Web to look in; reports that the going rate for a card is about $2.

And, of course, all that payments-specific security sits on a phone that is extremely difficult to hack in and of itself. With the advent of EMV chips, however, the easiest use for those cards when it comes to making an in-store purchase — cloning — is getting increasingly closed off.

Like all new products, Apple Pay has been on the receiving end of complaints since its release a little over a year ago, but almost none have centered on security. Apple Pay remains open and rather susceptible to an array of easy and old-school forms of “hacking.” And even that term may be a bit misleading, since simply stealing a card number and running wild is a form of fraud that predates the concept of the “hack.” The hole is not Apple’s fault, per se, but it certainly turns out to be its problem, as the firm’s payments platform is becoming a surprisingly easy way to effectively use someone else’s card. But Apple Pay is apparently offering a new avenue for the thieving types who don’t want to be limited to using their ill-gotten card numbers online.

Despite its challenges with merchant and consumer adoption, there’s almost a universal agreement that when it comes to keeping users’ most sensitive data safe from harm, Apple has proven to be more than up to the task. By entering a stolen card into an Apple Pay wallet, a thief can go in-store and make a purchase — provided they are at one of the few locations that can take Apple Pay.

There is, of course, a big “if” here, and that “if” is the issuing bank and how careful it is about letting cards get provisioned into digital wallets.

A new — and very informal — study by anti-fraud firm Pindrop would indicate that levels of caution vary quite widely from issuer to issuer.

Some check up pretty carefully, some are rather lax and others essentially offer no protection at all (if one can competently type all the digits and CVV code into the wallet, they are ready to rock ’n’ roll).

So Who’s Checking (And Who’s Not) In fairness to the issuing banks being called out, it is worth noting that Pindrop’s research here was far from scientific.

Pindrop researcher David Dewey basically took up a collection, asking for his coworkers’ card numbers.

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