Validate Sign Presentation iOS

I am not seeing any evidence presented. Just conjecture.iOS apps are sandboxed.   They are physically incapable of doing stuff outside their constraints.   Apps which used undocumented APIs are rejected.  Because the device can only install signed apps, (and not side load from any source) Apple's iOS model is demonstrably more secure than other platforms.

AWell Choreographed Dance We All Take For Granted A typical restaurant transaction is performed in five steps:Bill Presentment - You are presented with the guest check and in most case this is via a check presenter or a tip tray.  You choose you payment method by signaling your payment is ready. In most cases by placing a payment card in the check presenter or tip tray.Payment Card Authorization And Capture - A member of the waitstaff or the management staff will perform a pre-authorization of your payment card by swiping (even with EMV cards as it stands today) and obtaining a pre authorization of the requested amount plus ~20%.  This is done for tow reasons. A) to verify a payment card is valid for the amount of the check plus a target tip amount B) to optain a temporary hold on these funds until the transaction is finalized.  It is at this point that your transaction data is reported to your payment card company and sent back to your iOS device. Receipt Presentment - The restaurant staff member will place the payment card receipts plus your card on the table, again using the check presenter or tip tray for you add your signature tip and  total to the merchant copy of the receipt. At this point you have only obligated yourself to pay the amount that was in the Total established by the guest check. The ~20% allowed for in the Pre Authorization will be released if there is less of a tip and returned to your credit a blinking of the payment card. Payment Card Tip Adjustment - A member of the restaurant staff  will generally collect your signed receipt and look for the amount you put in the total as this is the only amount that can be processed by the establishment.  The only exception is if the amount is less then the amour due on the check. The transaction is closed with the tip adjustment added to the final total. At this point the transaction is fully authorized and captured and from he card holder's perspective it is a viewable charge on their online statement. Batch Closure And Settelment - At the end of the shift the restaurant mangement will need to close the batch of payment card transaction accrued and to also settle with the waitstaff the outstanding amount due from the tips collected via payment cards. If this batch is not closed, the merchant will not get paid.  If the batch is not closed, at a point between three days to thirty days they will lose the amount due in that batch and the card holder will receive a reversal.Thus since the actual time to tip adjustment on to the batch closure can be an unexpected period of time for a real time notification of a payment card transaction, Apple wisely chose to use the actual check amount as the transaction amount reported to the Apple Wallet.

This is an interesting question.Copay is popular Bitcoin wallet which allows you to multi-sign a Bitcoin address. It simply means 1 or more people can control bitcoins in that multisig bitcoin address. So until all the authorizes sign it, a bitcoin transaction will not get completed via Copay or any multsignNow wallet…if you don’t understand what what multisig or multi-signature wallet is?So here it is…MultsignNowature (multisig) refers to requiring more than one key to authorize a Bitcoin transaction. It is generally used to divide up responsibility for possession of bitcoins.Standard transactions on the Bitcoin network could be called “single-signature transactions,” because transfers require only one signature — from the owner of the private key associated with the Bitcoin address. However, the Bitcoin network supports much more complicated transactions that require the signatures of multiple people before the funds can be transferred. These are often referred to as M-of-N transactions.-BitcoinWikiThis multisig technology is what makes all cryptocurrencies ultra safe and secure.Multisig technology fuels multi-signature wallets (aka multisig wallets).Here is an awesome video on multisig wallets and multi-signature technology:Typically, all types of multi-signature wallets require M-of-N signatures.Let's say you have configured your multisig wallet for 3-of-5 authorized signatures. This means when at least 3 out 5 authorizers sign a transaction, only then will it become a valid transaction.That's why multi-signature wallets become an unbeatable use case to recover your funds when you lose your one key or if are running a startup/community and don't want to put the spending power in the hands of just one person.So here is Copay which is a Mobile and Desktop Wallet.Copay is an open source HD wallet which supports multi-signature addresses to secures your funds. Here you are in charge of your private keys and there are no hidden or third party servers. It is the first of its kind which also provides testnets both on Android and iOS so that you can first try how your multisig wallet is working. It provides up to 2-of-3 authorizers to sign a Bitcoin transaction.At present, it is available for Windows, Mac OSX, Linux, Chrome Extension, iOS, and Android.Download CopayHope this helps many :)

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What is ApplePay and why is it important? "It is the mark of a good action that it appears inevitable in retrospect" -Robert Louis StevensonThe Long Journey Of Apple PayInvented in the early days of 1960, the magnetic stripe payment card was almost and accidental invention with a very colorful history.  It was never even conceived in the original form to do more then open a locked door.  The technology was adapted and adopted along the way.  On September 9th, 2014 a baton was passed from the reliable magnetic stripe payment card on to the next generation and history will record that the company that went about creating the f...

This is a bit of an explosion in a Spaghetti factory, the cause is really simple but the end effect looks confusing and perhaps worse then it actually is.  To get to the answer we will have to visit an alphabet soup of acronyms. Blazing A New Trial Is Filled With SetbacksI knew this showdown was coming for quite a while and it was just a matter of time before something happens.  Although many will point to a conspiracy the primary basis Visa Europe (not Visa Inc.) is using is a valid reading of the rules.The EMV StandardThe rules I am speaking of are the basis for EMV Certification requirements. EMV [1] stands for Europay, MasterCard and VISA and have established a global standard for inter-operation of IC cards and chip cards.  EMV was formed as a way to standardize all the independent protocols that existed up to that point.  The premise of EMV was to mitigate fraud by requiring the chip card to be read by an EMV terminal and the card holder entering in a PIN at the time of the transaction.  The system is called Chip and PIN and is the central part of a CVM (Cardholder Verification Method) that EMV supports.  Chip and PIN replaces Swipe and Sign that is entering in the final years in the US as EMV/NFC will become required.  In a perfect world for EMV would have had a world wide adoption at the same time, however this never materialized. Currently there are 8 CVMs recognized under EMV rules:Signature and signature and swipe (mag stripe swipe)Offline plaintext PINOffline enciphered PINOffline plaintext PIN and signatureOffline enciphered PIN and signatureOnline PINNo CVM requiredFail CVM processing"Free" Costs Someone, SomethingThe business model of giving away the payment card reader so that income can be made by merchants using the service is the predominate model used by payment startups today.  Thus the final cost of the payment card reader is critically important.  If the reader cost pennies the risk exposure to losses from merchants not using the service of the startup payment card processing company is minimal.  If the reader cost is in dollars the risk compounds quite quickly.  The reality in payment card processing for micro merchants is that many either never use the device, or use it so rarely that it could take years to recoup the cost of the free payment card reader.  I can show that the numbers can be as high as 85% of micro merchants that fall in to these two categories.  Thus as these payment startups expand they could face the melting ice effect of losing more money to give away free payment card readers as they add more micro merchants.  For example in the US Square recently increased its cost to manufacture the Square payment card reader from a few pennies to over $10 final shipped cost [2].  This was prompted by encryption rules for mobile phone card readers that will be made public soon by the Payment Card Industry Council. This rather large increase in the cost to acquire a merchant could have a large impact on revenue growth.The iZettle ProblemThe EMV requirements are enforced by the acquiring Bank and are driven by input from the card associations.  The ideal CVM for a EMV transaction when the cardholder is using a fully functioning EMV card is Online PIN.   This is where the cardholder presents the card to the EMV reader/PIN pad and scans the card and successfully enters in a PIN.Currently the iZettle card reader does accept EMV cards, however the CVM in use does not allow for a PIN entry.  The reason is based on standards, new technology and costs.  In the markets affected, to be compliant with all EVM levels of certification, separate PIN entry hardware would be required to collect the PIN and send it through the iOS device or Android device.  Currently a non dedicated device using a touch screen for PIN entry is disallowed.  Thus to meet the full EMV certification standard iZettle would have to supply an EMV reader and a PIN device.  This would raise the costs to perhaps $50 in high quantities.  As a startup or and existing profitable company it will never be justified to give a $50 device to a micro merchant.  Up to this point iZettle chose to blaze a new trial called Chip and Sign for its system.  Under current EMV certifications this is really not specified as the "primary" CVM.  This method is a hybrid of the old Swipe and Sign and Chip and PIN.  It was a logical compromise for a company that must give away the payment card reader.  Using this system actually "raised" the Interchange cost to iZettle to a "Mail Order" / "Failed CVM" transaction.The problem is for any number of reasons Visa Europe (not Visa, Inc.) has ruled that iZettle's CVM was not fully complaint (perhaps using PCI DSS compliance as one reason) and seems not motivated to support it at this point.  However MasterCard and Eurocard have provisionally allowed iZettles CVM.  Not coincidentally, MasterCard became an iZettle investor recently.  This fact may have motivated Visa Europe to take more direct notice of the Chip and Sign CVM used by iZettle but they have been in talks for the last year.Not A Conspiracy This could be bad news for any startup company that wants to move in to markets that use EMV certifications.  Some have made allegations that Visa Inc's investment into Square may have motivated this reaction.  This seems far from likely, even in an indirect way as this ruling will have a direct impact on Square using Chip and Sign in these markets and will be forced to the same hard choices iZettle faces. Payment Card Startups: Hard ChoicesThis leaves any payment card startup in these markets with a few hard choices:Blaze a new trail and hope for regulation changesProvide a free Chip and Pin smartphone readerTemporally use Swipe and Sign Use a new and unannounced CVMIt seems that many startups will unwisely choose to temporally use Swipe and Sign in these markets.  There are dozens of reasons this will not be a good option even in the short term.It seems iZettle will have to move to a Swipe and Sign in the markets impacted or just process MasterCard and Europay, about 65% of the market in the impacted areas. ____1) http://en.wikipedia.org/wiki/EMV2) What are the components in the square reader (bill of materials)? What is the rough cost of each dongle?

It’s not. IOS is a form of Unix. Very heavily based on BSD. It is as secure generally as any other *nix variant. There are some special aspects custom written for the platform and platform specific security concerns, other than that it’s as secure as *nix.As for why *nix is exponentially more secure than Windows. That starts with the fact Unix was designed with security as a high priority from day one. Windows adds security in as an afterthought. As such Unix has much better memory segregation, segregates tasks by users, most of whom have no local login privileges, far better logging, transparency by being open source that helps catch security flaws because millions pour over the code rather than a small team as happens with Windows. Unix has been in use long before Windows existed and already survived the first few waves of hackers and learned from these experiences.*nix doesn’t have any reasons to hide security problems. Microsoft is a for profit business and security vulnerabilities are a threat to it’s profitability. As such Microsoft often hides security vulnerabilities. Often refusing to admit they exist until a patch is developed, on a few occasions this has been years after exploits against that vulnerability have circulated in the wild.Unix was designed for and built for a multi-user multi-tasking environments. Windows was designed for single tasking on a stand alone machine. Multi-tasking and networking were grafted on later. This makes it more difficult to design security since the operating system simply was not designed for the environment it is operating in. So on a Windows machine you have to be admin for it to really be a functional machine. In *nix it’s unwise and problematic to be admin (root) while working as a user. As such viruses as seen in Windows are nearly impossible to write as the level where a virus would attack (user) does not have rights to make the system changes necessary to propagate the virus or do serious damage to the OS.Nix has worms like Windows but not viruses. All viruses to date that work on Nix either target OS independent software such as Open Office or are boot sector viruses which load BEFORE the OS does.Microsoft places back doors in it’s software to spy on customers and at the requests of various national governments. Hackers can sometimes find and exploit these back doors. Unix has no such built intentional vulnerabilities. An example was Microsoft’s compliance with the Clinton administration requiring an encryption back door for the US government. Another example was the Win 95 update which not only reported back to Microsoft everything you had installed on your machine but also fell prey to an exploit. Another example was the auto update exploits which took advantage of Microsoft backdoors and merely by pretending to be Microsoft mirrors was able to plant trojan software.Microsoft also considers it’s users imbeciles not to be trusted with control over their machines. This level of automation creates vulnerabilities. For example many trojans and viruses are spread through advertisements on web sites. They auto run and auto install without even a notification to the user. In *nix they’d require permission and a password. Though IOS has made the same mistake as Microsoft in some aspects of this, thus making it more vulnerable than other forms of Unix.