Apple Is Secretly Giving People 'Trust Scores' Based on Their Iphone Data
independent.co.uk
independent.co.uk
This is similar to other risk or trust algorithm used by banks, healthcare, ctrfit agencies, email services, etc.
It could be bad depending on what Apple does with it, obviously, but this seems like a way integrate more device data into their fraud detection methods.
I get very few phone calls, and half of them are spam calls that I don't answer (only answer calls from known numbers). I don't use Apple Mail. So I'm untrustworthy because my social configuration isn't typical?
My ipad isn't used for calls, messaging or email. Does that mean I can't use my ipad for purchases?
Have to have ID and credit history disclosed to get a phone in the first place. Isn't that enough? Is this only for non-phone devices?
This needs more in-depth reporting. What kind of fraud exactly?
The quote from Apple is that they're computing trust scores for your devices for when you attempt a purchase. It sounds like the more you use the device, the more trusted it is. That brand new device that you've never used before shouldn't be trusted.
What I don't understand is how you can reasonably stretch that out to giving people trust scores.
Click bait?
Where did you see it? It says nothing about how the score is calculated.
See the "information about how you use your device, including the approximate number of phone calls or emails you send and receive".
So the score calculation for that device includes the approximate number of phone calls or emails you send and receive on it.
You could interpret that as "the more personal activity you have on a device, the less trusted it should be", but that makes no sense. The more you use a device, the more likely it is to actually be your device.
It makes sense to place less trust in devices that you rarely use.
And on top of that, considering I make ‘phone calls’ via signal, FaceTime (audio) and other apps, on top of the standard dialer, and for email use Zoho, inbox, gmail and the standard client, how does it even come up with these numbers?
I have to assume they’re looking for extremely high usage, robo dialers or spam outfits using iPhones. But is there any evidence this is happening?
It also sounds like it’s somehow connected to Apple Pay, but why would someone using their device for spam purposes have or setup Apple Pay? Surely if you’re using your device to robo dial / spam, it’s one of many devices sitting in a rack / pseudo data centre. Not a personal device.
This all sounds very very strange.