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Google Pay、Samsung Wallet 和 Apple Pay 等应用程序比实体信用卡更安全。那是因为他们使用了一种称为标记化的过程
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 等服务可让您使用智能手机或手表(而不是实体信用卡)在商店付款。这可能很诱人,尤其是因为您可以将笨重的钱包留在家里来节省空间。全球许多城市也采用这些应用程序进行公共交通支付。但这种便利不是以牺牲安全为代价吗?您是否应该警惕依赖这些应用程序进行日常支付?
Are Google Wallet and Apple Pay safe to use?
Google 钱包和 Apple Pay 使用安全吗?
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 等应用程序的使用比实体信用卡更安全。这是因为他们使用了一种称为标记化的过程,该过程在物理卡的基础上增加了额外的安全层。当您将卡添加到支付应用程序时,其详细信息(例如 16 位号码和有效性)不会转移。相反,该应用程序会联系您的银行或发卡机构以请求令牌。您可以将此令牌视为仅存在于您手机上的长随机数。您的银行或发卡机构只会向 Google Pay 和 Apple Pay 等受信任的应用程序颁发此类令牌。您还需要验证您的身份,这通常是通过输入您的卡详细信息并通过短信接收一次性密码来完成的,以便接收您的令牌。
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Google Wallet is getting hungry for your cards. He is working on an interesting tool
Google 电子钱包非常需要您的卡。他正在开发一个有趣的工具
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.
该令牌存储在手机芯片的安全部分 - 类似于指纹等生物识别数据。但即使有人设法破解您的手机以访问此令牌,它也无法在其他设备上使用。令牌通常与单个设备绑定。此外,每次使用时,令牌的一部分都会发生变化,具体取决于日期和时间等因素,这意味着它无法被捕获和重用。
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.
使用令牌的另一个好处是,当您拿着手机时,潜在的恶意支付终端无法窃取任何卡信息。捕获的数据看起来像一堆随机数,这并不是特别有用。事实上,当您使用令牌化卡时,商家无法识别您的任何个人信息。
How do payment apps like Google Pay and Apple Pay work?
Google Pay 和 Apple Pay 等支付应用程序如何运作?
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.
支付应用程序使用手机的近场通信 (NFC) 天线。 NFC 是一种无线技术,如果您曾经使用过酒店或办公卡,您可能已经熟悉它。它可以实现两个设备之间的短距离通信,例如当您将手机放在距离支付终端几厘米的范围内时。
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.
现代信用卡具有集成的 NFC 标签,您只需将其靠近终端即可完成购买。然而,这些物理卡不能被编程为充当另一张卡。另一方面,您的手机可以充当可编程 NFC 标签。这意味着您可以存储多个选项卡,甚至在不同的应用程序中,并根据需要在它们之间切换。
Can anyone use the saved cards in Apple Pay and Google Pay if I lose my phone?
如果我丢失手机,任何人都可以使用 Apple Pay 和 Google Pay 中保存的卡吗?
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.
不会,您在 Apple Pay 和 Google 钱包中保存的卡始终会被锁定在屏幕锁定密码或指纹等生物识别数据后面。即使在可穿戴设备上,也需要输入 PIN 码才能确认付款。这可能看起来很不方便,但它可以防止电话窃贼访问和使用您存储的卡。因此,在手机上使用支付应用程序实际上比随身携带装满实体信用卡的钱包更安全。如果您丢失了后者,任何人都可以简单地刷卡或使用其芯片在您意识到之前进行高额购买。很少有国家需要 PIN 码或签名来验证信用卡交易。
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