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Cyber Security

Mobile Payments: A New Frontier for Criminals

Eddie Lee has created an app that lets him steal a credit card by simply waving his Samsung Nexus S phone over a leather wallet tucked into the back pocket of a stranger’s jeans. He can then walk into a nearby store and tap his phone at a cash register to charge a sandwich, a coffee—or even a flat-screen TV—to the card.

Fortunately, Lee’s not a thief but a security expert paid to find vulnerabilities in wireless payment technologies. By 2015, consumers worldwide will buy $1.3 trillion worth of goods with their phones and tablets—four times the amount today, forecasts Juniper Research. The expectation is that fraud will account for 1.5 percent of all mobile payment transactions in four to five years, says Avivah Litan, an analyst at tech researcher Gartner (IT). “There’s huge concern,” says Mike Urban, director of financial crime solutions at Fiserv (FISV), a Brookfield (Wis.)-based technology company that caters to banks and mortgage lenders. “Potentially, it could be billions of dollars a year in losses.”

Only 12 percent of Americans have tried mobile payments, according to a March report from the Federal Reserve. To rev up adoption of their own platforms, companies such as PayPal (EBAY), Google (GOOG), and Square are under “pressure to remove the controls,” thereby improving ease of use, Litan says. For criminals, that means easier access.

Nearly 70 percent of mobile phones aren’t password-protected, according to Sophos, a mobile security vendor. Parents allow children to play with their phones without considering that they may download some bit of malware, says Shirley Inscoe, a senior analyst at Aite Group: “They don’t realize the risk they may entail given the data stored on their mobile device.”

Only 12 percent of Americans have tried mobile payments, according to a March report from the Federal Reserve. To rev up adoption of their own platforms, companies such as PayPal (EBAY), Google (GOOG), and Square are under “pressure to remove the controls,” thereby improving ease of use, Litan says. For criminals, that means easier access.

製作日期:2012.10.11

文章網址:

http://www.businessweek.com/articles/2012-10-04/mobile-payments-a-new-frontier-for-criminals