|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Google Pay、Samsung Wallet 和 Apple Pay 等應用程式比實體信用卡更安全。那是因為他們使用了一種稱為標記化的過程
Services like Google Pay and Apple Pay let you pay in stores using your smartphone or watch instead of a physical credit card. It can be tempting, especially since you can save space by leaving your bulky wallet at home. Many cities around the world have also adopted these apps for public transport payments. But doesn't this convenience come at the expense of security? And should you be wary of relying on these apps for everyday payments?
Google Pay 和 Apple Pay 等服務可讓您使用智慧型手機或手錶(而非實體信用卡)在商店付款。這可能很誘人,尤其是因為您可以將笨重的錢包留在家中節省空間。全球許多城市也採用這些應用程式進行公共交通支付。但這種便利不是以犧牲安全為代價嗎?您是否應該警惕依賴這些應用程式進行日常支付?
Are Google Wallet and Apple Pay safe to use?
Google 錢包和 Apple Pay 使用安全嗎?
Apps like Google Pay, Samsung Wallet, and Apple Pay are safer to use than your physical credit card. That's because they use a process called tokenization, which adds an extra layer of security over physical cards. When you add your card to a payment app, its details, such as the 16-digit number and validity, are not transferred. Instead, the app contacts your bank or card issuer to request a token. You can think of this token as a long random number that lives exclusively on your phone. Your bank or card issuer will only issue such a token to trusted applications like Google Pay and Apple Pay. You will also need to verify your identity, which is usually done by entering your card details and receiving a one-time password via SMS, in order to receive your token.
Google Pay、Samsung Wallet 和 Apple Pay 等應用程式的使用比實體信用卡更安全。這是因為他們使用了一種稱為標記化的過程,該過程在實體卡的基礎上增加了額外的安全層。當您將卡片新增至支付應用程式時,其詳細資訊(例如 16 位號碼和有效性)不會轉移。相反,該應用程式會聯絡您的銀行或發卡機構以請求令牌。您可以將此令牌視為僅存在於您手機上的長隨機數。您的銀行或發卡機構只會向 Google Pay 和 Apple Pay 等受信任的應用程式頒發此類令牌。您還需要驗證您的身份,這通常是透過輸入您的卡片詳細資訊並透過簡訊接收一次性密碼來完成的,以便接收您的令牌。
You might be interested in
您可能感興趣
Google Wallet is getting hungry for your cards. He is working on an interesting tool
Google 電子錢包非常需要您的卡片。他正在開發一個有趣的工具
The token is stored in a secure part of your phone's chip – similar to biometric data such as fingerprints. But even if someone managed to hack your phone to gain access to this token, it wouldn't work on another device. Tokens are usually tied to individual devices. Also, part of the token changes every time you use it, depending on factors like date and time, meaning it can't be captured and reused.
此令牌儲存在手機晶片的安全部分 - 類似於指紋等生物辨識資料。但即使有人設法破解您的手機以存取此令牌,它也無法在其他裝置上使用。令牌通常與單一裝置綁定。此外,每次使用時,令牌的一部分都會發生變化,這取決於日期和時間等因素,這意味著它無法被捕獲和重複使用。
Another benefit of using tokens is that a potentially malicious payment terminal cannot steal any card information when you hold your phone. The captured data would look like a bunch of random numbers, which isn't particularly useful. In fact, the merchant cannot identify any personal information when you use a tokenized card.
使用令牌的另一個好處是,當您拿著手機時,潛在的惡意支付終端無法竊取任何卡片資訊。捕獲的數據看起來像一堆隨機數,這並不是特別有用。事實上,當您使用令牌化卡片時,商家無法識別您的任何個人資訊。
How do payment apps like Google Pay and Apple Pay work?
Google Pay 和 Apple Pay 等支付應用程式如何運作?
Payment applications use your phone's near field communication (NFC) antenna. NFC is a wireless technology that you may already be familiar with if you've ever used hotel or office cards. It enables communication between two devices over short distances, for example when you bring your phone within a few centimeters of the payment terminal.
支付應用程式使用手機的近場通訊 (NFC) 天線。 NFC 是一種無線技術,如果您曾經使用過飯店或辦公室卡,您可能已經熟悉它。它可以實現兩個設備之間的短距離通信,例如當您將手機放在距離支付終端幾厘米的範圍內時。
Modern credit cards have an integrated NFC tag, which allows you to simply hold them to the terminal and complete the purchase. However, these physical cards cannot be programmed to act as another card. On the other hand, your phone can serve as a programmable NFC tag. This means you can store multiple tabs, even in different apps, and switch between them as needed.
現代信用卡具有整合的 NFC 標籤,您只需將其靠近終端即可完成購買。然而,這些物理卡不能被編程為充當另一張卡。另一方面,您的手機可以充當可編程 NFC 標籤。這意味著您可以儲存多個選項卡,甚至在不同的應用程式中,並根據需要在它們之間切換。
Can anyone use the saved cards in Apple Pay and Google Pay if I lose my phone?
如果我遺失手機,任何人都可以使用 Apple Pay 和 Google Pay 中儲存的卡片嗎?
No, your saved cards in Apple Pay and Google Wallet are always locked behind a screen lock password or biometric data such as a fingerprint. Even on a wearable device, a PIN will be required to confirm payment. This may seem like an inconvenience, but it prevents phone thieves from accessing and using your stored cards. Because of this, using payment apps on your phone is actually safer than carrying around a wallet full of physical credit cards. If you lose the latter, anyone can simply swipe the card or use its chip to rack up high purchases before you know it. Very few countries require a PIN or signature to verify credit card transactions.
不會,您在 Apple Pay 和 Google 錢包中保存的卡片始終會被鎖定在螢幕鎖定密碼或指紋等生物識別資料後面。即使在穿戴式裝置上,也需要輸入 PIN 碼才能確認付款。這可能看起來很不方便,但它可以防止手機竊賊存取和使用您儲存的卡片。因此,在手機上使用支付應用程式實際上比隨身攜帶裝滿實體信用卡的錢包更安全。如果您丟失了後者,任何人都可以簡單地刷卡或使用其晶片在您意識到之前進行高額購買。很少有國家需要 PIN 碼或簽名來驗證信用卡交易。
免責聲明:info@kdj.com
所提供的資訊並非交易建議。 kDJ.com對任何基於本文提供的資訊進行的投資不承擔任何責任。加密貨幣波動性較大,建議您充分研究後謹慎投資!
如果您認為本網站使用的內容侵犯了您的版權,請立即聯絡我們(info@kdj.com),我們將及時刪除。
-
- Lunex Network (LNEX):加密貨幣交易所的未來
- 2024-09-30 06:15:02
- 加密貨幣市場遠未普遍採用,但距離其誕生也還有很長的路要走。令人興奮的投機時代已經結束,世界
-
- Rollblock (RBLK):一個革命性的 GambleFi 項目,將顛覆加密貨幣市場
- 2024-09-30 06:15:02
- 由於加密產業是一個開源領域,即將推出的項目不斷與以太坊和幣安幣等主要參與者競爭
-
- ENA 價格預測:牛市反彈即將來臨?
- 2024-09-30 06:15:02
- 以美元計價的儲蓄協議的原生代幣 Ethena (ENA) 在最近推出 UStb 穩定幣後推動了看漲勢頭。
-
- 到 2030 年可能會飆升的 3 種加密貨幣
- 2024-09-30 06:15:02
- 加密貨幣產業因其創造巨額財富的潛力而受到關注。近年來,大量數位資產