Operation “Tokenization” or Why Apple Pay is safer Bank cards

The comfort of use of Apple Pay can be compared with those from owning a Bank card. In his pocket, “plastic”, you are guaranteed not to have to rattle things and rustle up bills. Even if it is lost you can immediately seek assistance from the Bank. Not too pleasant but not the most likely scenario of all that could possibly happen to you. Personally, it reminds me of the spontaneous discharge of a smartphone, temporarily depriving you of solvency. But answer yourself how often your iPhone gets for no reason at all?

Undoubtedly, the following arguments will be many critics. Many of them probably haven’t been able to experience the joy first carried out with the help of mobile transactions. You can call me fanboya or go, but to pay through Apple Pay is so convenient and cool, it’s just breathtaking.

A huge role, at least in the beginning of the play the element of surprise. You don’t know exactly how they need to behave and what to do if something goes wrong. Worse than this can only be corrosive to the views of customers in the queue, with caution coat wielding a smartphone on you. And that’s the very point – the scanner thought your fingerprint, the terminal made a noise of confirmation, and the payment went through. In one word, the buzz.

But it’s not about that. Soon a feeling of complacency, brain and hands poprivyknut to not to the most natural action, and their place will be a security issue. How secure is this system? Can’t anyone, besides me, are saved on the device with payment information? Which in the end prevents the phone to pay for that guy in the tattoos? The answer to these questions is only one – tokenization.

It just so happened that Apple Pay does not transmit your credit card details. At the time of confirmation of payment with your fingerprint service generates a unique link, which supersedes as the account number and the name of the owner, and even the CCV-code.

Again: the system does not encrypt them, she just doesn’t have access to them that will not allow even the most talented hackers to find out anything about your savings, or worse, steal them. Credit card, unfortunately, such protection does not possess.

In the same way Apple Pay works in the browser.

Buy anything online today is a common thing for the vast majority of our readers. The development of legislation in the sphere of online trading, as well as different methods of data encryption made payment orders on the Internet thing is quite safe and ordinary. But only in the case when it comes to Apple Pay.

In other cases, even protected extension “https” Protocol cannot guarantee you absolute protection. Why? No one knows whether there will be data leakage and not “merge” if an unscrupulous seller information about its customers to third parties. Paying for online purchases with Apple Pay, you won’t give the seller anything except a special cryptogram, the above-named token.

The other side of the coin – the absence of widespread support sites and payment systems service from Cupertino. As of October 2016, you can count on one hand the number of web sites offering to pay with Apple Pay. Banks among them even less. But let’s hope the wait is not long.

Clifton Nichols

Clifton Nichols

Hi! I’m Clifton and I am a full-stack engineer with a passion for building performant and scalable applications that are beautiful and easy to use.

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