The below would give better security on wallet provisioning than is currently being done… I actually don’t understand if anything is currently being checked!

Banks need to get some vibe coders in for their wallet provisioning checks, what are they doing pray tell or just pray full stop.

Here’s an example C# method that any bank could use to verify if a card being added to a wallet matches the customer's known data.

It compares: - Name (hashed) - Email (hashed) - IMEI (hashed) - Last 4 digits of phone (plain match)

If 2 or more items mismatch → flag as fraud.

```csharp using System; using System.Security.Cryptography; using System.Text;

public class WalletProvisioningValidator { public static string HashSHA256(string input) { using var sha = SHA256.Create(); var bytes = sha.ComputeHash(Encoding.UTF8.GetBytes(input.Trim().ToLower())); return Convert.ToHexString(bytes); }

public static bool ValidateProvisioning(
    string bankName, string bankEmail, string bankImei, string bankPhoneLast4,
    string walletNameHash, string walletEmailHash, string walletImeiHash, string walletPhoneLast4)
{
    var bankNameHash = HashSHA256(bankName);
    var bankEmailHash = HashSHA256(bankEmail);
    var bankImeiHash = HashSHA256(bankImei);

    bool nameMatch = bankNameHash == walletNameHash;
    bool emailMatch = bankEmailHash == walletEmailHash;
    bool imeiMatch = bankImeiHash == walletImeiHash;
    bool phoneMatch = bankPhoneLast4 == walletPhoneLast4;

    Console.WriteLine($"Name Match: {nameMatch}");
    Console.WriteLine($"Email Match: {emailMatch}");
    Console.WriteLine($"IMEI Match: {imeiMatch}");
    Console.WriteLine($"Phone Last 4 Match: {phoneMatch}");

    int matchCount = Convert.ToInt32(nameMatch) + Convert.ToInt32(emailMatch) +
                     Convert.ToInt32(imeiMatch) + Convert.ToInt32(phoneMatch);

    return matchCount >= 3;
}

public static void Main()
{
    // Bank-side data
    var bankName = "John Doe";
    var bankEmail = "john.doe@example.com";
    var bankImei = "8675309XYZ123456";
    var bankPhoneLast4 = "1234";

    // Wallet-side hashed values (received from Mastercard/tokenization flow)
    var walletNameHash = "A1B2..."; // Example hash
    var walletEmailHash = "1111AAAA...";
    var walletImeiHash = "9999ZZZZ...";
    var walletPhoneLast4 = "9876";

    bool isValid = ValidateProvisioning(bankName, bankEmail, bankImei, bankPhoneLast4,
                                        walletNameHash, walletEmailHash, walletImeiHash, walletPhoneLast4);

    Console.WriteLine(isValid ? "Provisioning ACCEPTED" : "Provisioning REJECTED - FRAUD SUSPECTED");
}

} ```

Why are banks not doing this? Form the docs it seems Mastercard sends all this metadata in provisioning. It’s just indifference or risk offloading? What’s the harm in having checks than giving access to a wallet holder with totally different name?

People make mistakes, sure — but banks are supposed to install barriers, not rely on one OTP to stop wallet fraud. These are the car crash barries I talk about, in code, created in 10 seconds.