We doubt the security of the credit and debit cards that each of us use many times a day, and we cannot help but wonder which payment method will protect our information better. So how correct is it to choose the contactless payment method?
At this point, society is literally divided into two. While some prefer this method due to the practicality of the contactless payment system, others do not find this method safe. “I’ll give you my card and enter my password, brother!” He can’t stop himself from saying this.
So, how does the contactless payment method work and how does it work? Is this choice really safe?
First of all, let’s look at what kind of system contactless payment has.
In fact, this payment method is ready to use with just a few small wires. The basis of this technology is RFID, which is itself a special form of radio frequency identification, and NFC creates near field communication.
For example, the exact same system governs the cards we use to unlock a hotel room. The NFC system consists of a coil in which different cables are collected. This coil is basically It allows radio frequencies to be transmitted to both the card and the POS device.
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Naming the card and POS device as passive and active makes this technology more understandable.
By this logic, the POS device is an active connection because it has power and It can self-initiate radio frequency communication. The card is passive because it has no power. In order for the card to be activated, it must be near an active source such as a POS device.
In fact, executing the desired command when the phone screen is touched works with the same logic. Because the phone imitates the inactive card. In the relationship between card and POS device, the coil in the POS device actively searches for a card anywhere on the device.
The reason why the card can interact with the POS device within a few seconds is There is the use of a radio frequency specific to NFC devices. When the POS device finds the card, it requests the necessary information for payment.
This information is also stored in the chip of the card.
One of the things this chip stores is static data. Static data does not change and remains the same each time the card is used. These data are the numbers and expiration date on the card. Again, this information is sent from the card’s magnetic strip.
Card chips don’t just send static data. It is also used by card issuers to verify whether the card is valid and It also transmits a unique sequence of numbers called cryptogram.
Cryptogram is the creation of a unique set of numbers containing card information regarding the transaction to be made on the POS device.
A credit or debit card The main thing that makes it difficult to copy is the cryptogram. Because, thanks to this transaction, the card creates a secret code and this code is valid for only one payment transaction.
As soon as the card is read into the POS device, the servers send this information; Sends to networks such as Visa, MasterCard, AMEX. They, in turn, forward this information to the card issuer and send it back with a confirmation message. Second-second contactless payment process completed!
All of these transactions are encrypted and protected information. In summary, the contactless payment method realized in this way is It contains a high level of security.
Inserting the card into the POS device; Contrary to popular belief, it is much more risky.
Various frauds can be committed in POS devices to copy the card, and inserting the card into the POS device even once; It may mean that card information is captured instantly. In the contactless payment method, the card does not come into contact with the POS device and such a risk is eliminated.
Which payment method do you prefer?
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