However, not all people who trust the security of this tool are yet makes it easy for us to make payments on the spot without having to resort to our physical bank card. More than anything, because they fear that their card data will be stolen and may even suffer fraud. However, with today’s technology, mobile payment has become a more secure option.
Can they steal data when paying with the mobile?
As we said, carrying out the payment with our mobile device has become the safest method, even more so than using the traditional credit or debit card. This is because, basically, when paying in a local with our terminal certain codes are shared that are unique and random that have a single use, better known as’tokens‘.
In addition, once it is created, it will be the one that identifies the operation that we are going to carry out. In this way, when making a purchase in any type of establishment, the number will not be stored or on any external server. Although in the case of iPhones, when using Apple Pay, a unique fully encrypted device number is used.
Even in the case of smartphones with Google’s operating system, it has added a function from Android 10 that allows them to enable the use of Secure NFC. That is, the chip will only be activated if the smartphone screen is fully unlocked. This way, you won’t be able to make payments. To enable this option, use your smartphone’s internal search engine.
In the case of iPhones, it will only let you send your payment information when you get your smartphone authenticate using Face ID, Touch ID or the security code you set to unlock your Apple smartphone. So these ways are the security measures that are used in the different smartphones so that the transaction is totally safe.
The mobile NFC uses a short-range frequency, so it will also be necessary to bring the smartphone closer than 10 centimeters from the POS. Even if fraud is suffered, we will have the same legal coverage that traditional credit or debit cards provide.
Who has information about your transactions
Of course, Google Pay or, also in the case of this Apple service, although there are many others, none of them transmit the information and do not issue it to third parties. In addition, our bank details are not shared with the merchant with which we have purchased. So the only one to know our banking transactions it will be us and our bank. Well, for example, from the app of our bank they can inform us at what time, day and in which establishment we have made a transaction.
Although, we must bear in mind that, having a bank application, when using it, it will request a series of permissions such as our agenda, location, whether or not it can be updated in the background, among other issues. So you should carefully review the permissions that you have granted and which ones are dispensable. In addition, they have SSL or TLS security protocols so that our data cannot be easily decrypted when logging in and a secure connection is made.