Trending March 2024 # After Blocking Apple Pay & Google Wallet, Currentc Hacked # Suggested April 2024 # Top 4 Popular

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Apple Inc. Chief Executive Tim Cook announced over a million credit cards activated on Apple Pay within 72 hours of its October 20 debut. Cook happily proclaimed that Apple’s new Pay product was seeing quick adoption. This was very exciting, because NFC payments have been trying to get traction for the last three years.

But soon after, several Apple Pay users discovered that they would not in fact be able to utilize the NFC chips already installed at several of their favorite retailers (Rite Aid, CVS, Wal-Mart, Target, 7-11, Best Buy, The Gap – all of the companies in the MCX family.)

By disabling the NFC readers, these stores also effectively shut down any Google Wallet transactions. The checkout processes were programmed to display a prompt to customers asking them to utilize a different form of payment. Many payments that had already been processed ended up being denied as well. The reason for this? According to internal company memos, the directive issued was as follows:

“Please note that we do not accept Apple Pay at this time. However we are currently working with a group of large retailers to develop a mobile wallet that allows for mobile payments attached to credit cards and bank accounts directly from a smart phone. We expect to have this feature available in the first half of 2024.

If customers attempt to pay for a transaction with Apple Pay, a message will prompt both customer and cashier for a different form of payment. Please instruct cashiers to apologize to the customer and explain that we do not currently accept Apple Pay, but will have our own mobile wallet next year.”

This “mobile wallet” referred to in the internal memo was said to be CurrentC – which would not even be available until 2024. All these years that NFC has been available, and the MCX family couldn’t get a process right – nor could they simply allow the payment form that many of their customers were excited to use.

Why? Many reports point to the fact that the transaction fees incurred to the retail would be lower, and the collection of data for customers would be easier. In other words, no consumer-facing benefit to the denial of Apple or Google NFC payments. Reportedly, the MCX sign-up process for their internal payment system would include gathering social security and drivers license numbers.

So, the news today that within the last 36 hours, the CurrentC system was hacked is not comforting to potential customers who may have intended to sign up and hand over their very personal data. The data breach was reportedly limited to the theft of email addresses, and it appears that only the emails of app testers were accessed.

The message sent to those impacted was as follows:

“Thank you for your interest in CurrentC. You are receiving this message because you are either a participant in our pilot program or requested information about CurrentC. Within the last 36 hours, we learned that unauthorized third parties obtained the e-mail addresses of some of you. Based on investigations conducted by MCX security personnel, only these e-mail addresses were involved and no other information.”

MCX, the developer of the CurrentC app, released a statement assuring the public that “MCX is continuing to investigate this situation and will provide updates as necessary.”

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Using Apple Pay: How To Avoid Scams And Dispute Charges

Apple Pay allows users to make payments using iPhone, iPad, Apple Watch or Mac without using a physical payment method such as a credit card or cash. Apple Pay can be used to buy things in stores, in apps, online using Safari and for transit. Apple Pay can also be used to transfer money to another person through the Messages app. In this article we will discuss Apple Pay security issues: how to avoid scams, what to do if you have been scammed, and how to dispute a charge.

See also: Apple Pay Not Working? Fix

If you have never used Apple Pay, it is pretty easy to set up by adding a credit or debit card to your Wallet. You’ll just need to open the Wallet app, tap the plus sign, then follow the instructions to add your card. Apple Pay is accepted at many stores and restaurants, and for the stores that don’t accept Apple Pay (like Walmart), there are still ways to pay if you have an Apple Card. It makes it easy to pay with your iPhone (or Apple Watch.) No more digging out a card – or embarrassment if you forgot your wallet.

See also: iOS 14 Text Notification Not Working, Fix

In addition to paying for things at retail stores, Apple Pay provides users with the ability to transfer money to another individual. This convenient feature makes it so a person no longer needs to write a check or pay with cash when they want to send money to someone or make a payment to an individual. This allows people to avoid unnecessary trips to the bank, but like with other person-to-person money transfer services, it could be used by scammers trying to trick you into sending them money. Fortunately, with a little care, it shouldn’t be too difficult to avoid these scams.

See also: Watch App Crashing on iPhone, Fix

How to Avoid Scams

Apple Pay is one of many methods that people can use to send or receive money. All of these methods are vulnerable to scam attempts, however, there are precautions you can take to protect yourself and avoid being scammed.

Review Payment Information Carefully

Make sure you are sending to the correct person, and also that you are sending the correct amount.

If there is a mistake with either the recipient or the amount of money, you can first simply ask to have your payment returned to you. You may also try to cancel your payment – see below.

See also: This Password has Appeared in a Data Leak: Security Recommendations on iPhone

How to Cancel or Dispute a Payment

If you have a payment you need to cancel.

In the Messages app, open the conversation with the payment you need to cancel. Tap on the payment.

The Wallet app should have opened after you tapped the payment. Find your payment under Latest Transactions and tap it.

If the option is available, tap Cancel Payment.

If you could not cancel the payment, that means the recipient has already accepted the payment. You can try asking the person if they will return your payment.

If you are unable to cancel your payment and if the recipient does not return your payment, you may contact Apple to dispute the charge.

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Apple Pay Later Hits Us In Prerelease Mode, Requires An Invitation

The new pay-later service from Apple allows you to split purchases into four payments spread over six weeks with no interest and no fees.

What’s happening? After months of delays, Apple has debuted a prerelease version of the Apple Pay Later feature ahead of a wider launch.

Why care? Apple Pay Later allows you to split purchases into four payments spread over six weeks with no interest or fees.

What to do? Accept Apple’s invitation if it hits your inbox.

A prerelease version of Apple Pay Later debuts in the US

On March 28, 2023, Apple began sending email invites to randomly selected users to use a prerelease version of Apple Pay Later through their Apple ID. The feature is available for online and in-app purchases on the iPhone running iOS 16.4 or later and the iPad with iPadOS 16.4 or later (Macs are unsupported).

The company will eventually offer Apple Pay Later to all eligible users “in the coming months,” according to the announcement published in the Apple Newsroom.

Apple Pay Later will automatically appear on your device as an option during checkout online and in apps. Goldman Sachs is the official issuer of the Mastercard payment credential used to complete Apple Pay Later purchases.

How does Apple Pay Later work?

$50-$1,000 loans are available for online and in-app purchases via Apple Pay. You can apply for a loan within the Wallet app without impacting your credit.

You’ll need to link a debit card from the Wallet app to use as your loan repayment method for Apple Pay Later. Apple doesn’t want you to bite more than you can chew, so it won’t let you link a credit card to use for Apple Pay Later.

“A soft credit pull will be done during the application process to help ensure the user is in a good financial position before taking on the loan,” Apple notes. Once approved, you can apply for a loan directly in the checkout flow.

The Wallet app will nudge you about upcoming payments. You’ll also receive email alerts in case you’ve ignored that important Wallet notification.

Managing loans in the Wallet app

You can manage your loans in the Wallet app, including:

See the total amount due for all of your existing loans

See the total amount due in the next 30 days

See all upcoming payments on a calendar view

Apple Pay Later: The FAQ Where is Apple Pay Later available?

Apple Pay Later is currently limited to the United States. Apple hasn’t said when the feature might expand to other countries. Visit Apple’s iOS Feature Availability webpage occasionally to see if the feature has expanded to additional countries.

Who’s eligible for Apple Pay Later?

Apple will determine who’s eligible for Apple Pay Later in the prerelease phase. The company plans to offer the feature to all eligible users in the coming months. Apple’s support document provides further information about the service, including how to apply for an Apple Pay Later loan and make a purchase.

What are the system requirements for Apple Pay Later?

The Apple Pay Later feature is compatible with the iPhone running iOS 16.4 or later and the iPad with iPadOS 16.4. Macs currently don’t support Apple Pay Later.

What does Apple Financing LLC do?

Apple Pay Later is a cooperation between the Mastercard Installments program and Apple Financing LLC, Apple’s subsidiary for credit assessment and lending.

Do US credit bureaus know about your Apple Pay Later loans?

Starting this fall, Apple Financing will report Apple Pay Later loans to US credit bureaus so they are reflected in people’s overall financial profiles. This will “help promote responsible lending for both the lender and the borrower,” says Apple.

How can merchants offer Apple Pay Later?

Merchants that already work with Apple Pay don’t need to do anything to start accepting Apple Pay Later transactions. However, as Apple states, “some merchants may not be eligible to offer Apple Pay Later.”

Apple Pay and Wallet tutorials

Blocking Emails Automatically In Gmail

In the 21st century, email has become a necessary evil. It’s used for everything from professional correspondence, to keeping in touch with friends and family members. You can use it to send files of all kinds, receive messages from your online accounts, etc.

The use of email has essentially turned the internet into a global village because, with email, you can easily reach anybody in any part of the world. If you have more than one email account, your inbox will be receiving a lot of mail every day – but there’s a lot of it that you might not even want. As a result, you might be interested in blocking some email addresses, especially if you keep receiving junk mail from them.

How to Block Email Addresses in Gmail

Unfortunately, many people don’t understand what they’re agreeing to when they trade their email address to receive a gift or download a free PDF. They don’t know that they have indirectly opened up the door to start receiving unwanted emails from that marketer.

Well, you might think you can just unsubscribe from the mailing list to fix it, but you might still be able to receive mail from them, at least until you block their email address.

Gmail account users who are receiving unwanted emails can actually block the email address with a few simple steps in their Gmail account. Blocking an email address in Gmail means that you will not receive mail from that email address in your inbox again. To block someone’s email address in Gmail, you need to do the following:

Using a Computer

You need to sign in into your Gmail account and open the mail sent to your inbox by the sender you want to block.

Then, look at the upper right corner of the mail. You’ll see an icon with three vertical dots.

You will see the name of the sender in front of the block is written in this format ‘’Block (sender’s name).’’

That is it; you have just blocked your inbox from receiving mail from that email address.

Using a Smartphone

The process is almost the same when using your smartphone. The only difference is the interface that is a little different.

The first step is to open your Gmail App and locate the email from the sender you want to block.

You then open the mail and look at the upper right corner; you will see an icon with three vertical dots.

Now you have successfully blocked that person from sending emails to you. But what if, later on, you want to unblock an email address (someone)? It is so simple – you can follow these steps either on your computer or smartphone.

First, locate the same mail that you used to block the person and open it.

And that’s how to block and unblock people using your Gmail account. If you keep receiving unwanted mail from people you don’t know, and if you don’t do anything about it, your inbox will be filled up with messages in a very short time. Now, you can block these email addresses so that you no longer receive mail from them. This will save you from the stress of deleting tons of junk mail from your inbox every day.

Apple Pay Lawsuit Filed By Firm That Won Ebook And Developer Antitrust Cases

A class action Apple Pay lawsuit has been filed by Hagens Berman, the law firm that previously won two high-profile antitrust cases against Apple.

The lawsuit accuses Apple of making a billion dollars a year in fees to card companies by forcing them to sign up for Apple Pay as the only way to let their customers make payments from iPhones and Apple Watches.

How Apple Pay works

Apple Pay, Google Pay, and Samsung Pay are all based on the same technology, known as EVM. The acronym isn’t particularly informative, as it just stands for the names of the three companies who developed the payment tech: Europay, Mastercard, and Visa.

When you present your phone or watch to a payment terminal, it doesn’t send your actual card number but instead a single-use token, valid only for that specific transaction. The token is passed wirelessly by the NFC (Near-Field Communication) chip in the phone.

What all the fuss is about

Google and Samsung allow any bank or card company’s app to use the NFC chip for their own mobile wallet apps. That means there is no cost to the card issuer.

Apple, in contrast, does not allow third-party mobile wallet apps to access the NFC chip in iPhones or Apple Watches. If a bank or finance company wants to offer mobile wallet services, it must sign-up for Apple Pay. All payments are then made through Apple’s own Wallet app.

For every Apple Pay transaction, Apple charges card companies a fee. For credit card transactions, it’s 0.15%; for debit cards, it’s half a cent. While these are individually small amounts, they add up. The lawsuit alleges that Apple makes a billion dollars a year from these fees and that forcing card companies to sign-up for Apple Pay is an antitrust violation.

The European Union has already reached a preliminary conclusion that Apple Pay is indeed anticompetitive, and a lawsuit has now been filed in the US.

Apple Pay lawsuit

Law firm Hagens Berman has filed the antitrust suit on behalf of one card issuer, Affinity Credit, but the lawyers are inviting all other card issuers with Apple Pay agreements to join a class action suit.

The lawsuit seeks to represent a class of U.S. credit unions and financial institutions that issue payment cards enabled for use in Apple Pay. The class action was filed in the U.S. District Court for the Northern District of California and accuses Apple of denying rivals access to the technology needed to develop a competing mobile wallet.

On iOS devices, Apple has ensured that only its mobile wallet, Apple Pay, can make contactless payments at the point of sale. Having secured a monopoly for Apple Pay in this fashion, Apple charges card issuers who use Apple Pay supracompetitive fees for a service that is available on Android devices for free, according to the lawsuit […]

“When you compare the functionality of Apple Pay to mobile wallets available on Android devices – Google Pay, Samsung Pay – you’re essentially holding up a mirror; they are essentially identical,” said Steve Berman, Hagens Berman co-founder and managing partner. “And yet, the same service on Android that card issuers pay absolutely nothing for costs them a collective $1 billion annually through Apple Pay.”

“The reason for this is simple,” Berman added. “There is competition on Android devices, with multiple wallets offering contactless payments, whereas Apple has barred all rivals, making Apple Pay the only option.”

The firm has a good track record in antitrust cases against Apple. It’s the company that won the long-running and high-profile ebook case against the iPhone maker. More recently, it achieved a $100M settlement for iOS developers over anticompetitive practices in the App Store.

The company now said it’s going for the hat trick.

“As a firm with a long history of antitrust successes, we’re no stranger to Apple’s monopolistic behavior,” Berman said. “We’re hoping for a hat-trick and we believe the economic evidence our team has amassed against Apple in this case is frankly undeniable. We look forward to fighting for this case.”

The lawsuit is seeking compensation for the fees charged to card companies and calling for the NFC chip to be opened up to third-party mobile wallet apps.

9to5Mac’s Take on the Apple Pay lawsuit

Apple claims that the reason only its own Wallet app is allowed to use the NFC chip for payments is security. This is not a claim it is likely to be able to defend because the security is provided by the EMV system, which was not developed by Apple and can be used by any card issuer.

Additionally, Apple could, if it wished, still oblige card companies to sign up to Apple Pay without charging any fees in the same way that Google Pay and Samsung Pay do. It’s clear that Apple’s motivation for its current policy is financial, with the fees expected to add up to $4 billion a year by 2023.

There is no direct claim on behalf of consumers: Apple Pay terms and conditions forbid companies from passing on the fee to cardholders. However, all costs have to be recouped somehow, so ultimately consumers pay for all the fees involved through higher card fees or interest rates.

It should be noted that, even if Apple were forced to open up the NFC chip to third-party companies (i.e., card issuers), iPhone owners would still have the option of storing all their cards in the Wallet app, and it’s likely that most would do so for the convenience of having everything in one place.

Apple has a track record of fighting hard against all antitrust lawsuits and rulings, but in this one, it is up against the same firm that has twice won against the company – a judgment in the ebook case, and a settlement in the App Store one. With the European Union also finding Apple Pay terms to be in breach of antitrust regulations, this is going to be an interesting fight.

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Security Or Firewall Might Be Blocking The Connection

If you cannot connect to the internet or network on your Windows 11 or Windows 10 PC, you may see the message Security or firewall might be blocking the connection when you complete a Windows Network Diagnostics on your device. This post provides the most suitable solutions you can apply to resolve this issue.

Security or Firewall might be blocking the connection

If you see the message Security or firewall might be blocking the connection following completion of Windows Network Diagnostics to determine what’s causing internet or network connection issues on your device, then our solutions presented below in no particular order should help you resolve the issue on your system.

Run Windows Firewall Troubleshooter

Restore or Reset the Windows Firewall to default settings

Temporarily disable third-party security software (if applicable)

Run Network Troubleshooter

Update Killer Network Manager driver (if applicable)

Perform System Restore

Let’s look at the description of the process as it relates to each of the listed solutions.

1] Run Windows Firewall Troubleshooter

To begin troubleshooting the Security or Firewall might be blocking the connection issue on your Windows 11/10 computer, you can run the Windows Firewall Troubleshooter and see if that helps. The Windows Firewall Troubleshooter is a diagcab file and the official Firewall troubleshooter from Microsoft. When you run the troubleshooter, you’ll be taken through step-by-step as the app looks for problems. If a problem is found, it will be explained, and you can choose to repair or exit. To run the troubleshooter, follow these steps:

Download the diagcab file.

Follow the steps in the Windows Firewall Troubleshooter.

The automated troubleshooter fixes:

Windows Firewall isn’t the default firewall.

Windows Firewall doesn’t start.

Windows couldn’t start Windows Firewall (Service-specific error 5 (0x5)).

Remote Assistance isn’t working because it’s blocked by Windows Firewall.

You’re unable to access shared files and printers because sharing is blocked by Windows Firewall.

BFE service is missing.

Firewall won’t start (Error Code 80070424).

If you’re not on the computer that has the problem, save the troubleshooter to a flash drive, and then run it on the computer that has the problem.

Read: Windows firewall can’t change some of your settings Error code 0x8007042c

2] Restore or Reset the Windows Firewall to default settings

If your Windows 11/10 computer is blocking connections as it is in this case, the Windows Firewall may be preventing the connections from getting through. The first thing you should do if you suspect a firewall problem is to restart your computer and your network/internet device (including your DSL or cable modem). If the issue persists, you can test to see if the problem is the Windows Firewall by temporarily turning off the Windows Firewall to see if it’s causing the problem. After you test the connection, turn on the Windows Firewall to make sure your computer is protected.

If this test solved the problem, that means that Windows Firewall is blocking the connections. If so, it may help to restore or reset the Windows Firewall to default settings and then restart your PC and see if that helps. This is only the case if you have added custom firewall rules to allow certain programs that would have normally been blocked, which is rare. If you have added custom rules, you may not want to perform this task. During this process which will remove any erroneous firewall rules that are blocking legitimate connections, Windows will notify you that restoring the default firewall settings may cause some programs to stop working. To reset the Windows Firewall, follow these steps:

Press the Windows key + R to invoke the Run dialog.

In the Run dialog box, type control and hit Enter to open Control Panel.

Exit Control Panel when done.

Read: Import, Export, Repair, Restore Default Firewall Policy in Windows

3] Temporarily disable third-party security software (if applicable)

On your Windows 11/10 computer, outgoing/incoming connections can be affected by the presence of a firewall or antivirus software (especially from third-party vendors) on the local computer or network connection. As you can see in this our case, the Windows Network Diagnostics identified the Malwarebytes Web Access Controller (MWAC) Filter which is what Malwarebytes uses for the Web Protection component in Malwarebytes (bad website blocking) that relies on the Windows Filtering Platform (WFP) APIs in modern versions of Microsoft Windows which is the same infrastructure/APIs used for the built-in Windows Firewall in newer versions of the Windows OS. Disabling the Web Protection component in MBAM worked for affected users, although this is more of a workaround than an actual solution.

Read: PC won’t connect to the internet, but other devices will

4] Run Network Troubleshooter

As this is a network-related issue, a viable solution is to run the inbuilt Network Troubleshooter and apply any recommended fixes to resolve network & internet connection problems on your Windows 11/10 computer.

Read: Can’t connect to this network error on Windows

5] Update Killer Network Manager driver (if applicable)

The Killer Network Manager, previously known as the Killer Control Centre, is a tool from chúng tôi that helps prioritize the network bandwidth to applications or processes that require faster internet connections. Essentially, the tool is a network management suite developed by Killer Networking for Killer network adapter users.

Some affected PC users reported they were able to resolve the issue by simply updating the Killer Network Manager driver. If this applies to you, you can update the Killer network adapter driver via Device Manager or visit the network adapter manufacturer’s website.

Read: SmartByte Network Service causes slow Internet speed on Windows

6] Perform System Restore

If the issue in the highlight persists after you have exhausted all other suggestions provided in this post, you can follow the steps below to restore your system to an earlier point in time when you weren’t having any sort of network or internet issues on your Windows 11/10 device.

Press the Windows key + R. to invoke the Run dialog.

In the Run dialog box, type rstrui and hit Enter to launch the System Restore Wizard.

At the next screen, check the box associated with Show more restore points.

Now, select a restore point before when you noticed the issue on your device.

At the next system startup, your older computer state will be enforced. The issue at hand should be resolved now. If not, you can reset the PC.

I hope you find this post helpful!

These posts might interest you:

How do I unblock a firewall connection?

Read: How to blacklist or block websites in Chrome, Firefox, and Edge browsers

Why is my firewall blocking everything?

The primary reason why your firewall is blocking everything is because you have set things up incorrectly. Although this problem, generally, doesn’t happen with the in-built firewall app of Windows 11/10 PC, it is very common with third-party utilities. That said, it is recommended that you check all the settings and options of your firewall app.

Read: How to allow Pings (ICMP Echo requests) through Windows Firewall.

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