7 myths about contactless payments: payWave without fear and without reproach

Fear of anything new - a fairly common phenomenon. Man often frighten even those changes that result in changing lives for the better. We systematized the most popular fears about contactless payment cards, and tried explain why pay Visa payWave is not more dangerous than ordinary cards, and much more practical than cash.

Sometimes on the market, new solutions, the creation of which the developers are focused on functionality and consumer properties and do not account for the possible hazards. Remember the recent past, when sales began to appear only microwaves and mobile phones. This invention is not only lazy attributed almost deadly radiation. Later, passions subsided, and now imagine our life without a smartphone in your pocket, and a microwave in the kitchen is almost impossible.

Sometimes it is very difficult to assess whether this or that innovative technology is protected from various threats. Fears should not be ashamed, it is possible and it is necessary to deal with them.

Contactless cards can be forged by reading data from it

For example, it supposedly will be done without knowledge of the owner with a powerful reader.

Unlike many other contactless cards, subject to such a threat, contactless payment cards Visa payWave in Russia are based on microprocessor technology and all the benefits of cards chips.

First, to confirm each operation of contactless Visa payWave cards use a unique code that depends on the time of the transaction, point of sale, the transaction amount and other parameters. Interception of data in such a situation is useless, because this information can not be used to confirm other transactions.

Secondly, for the formation of such a code used by reliable cryptographic algorithms and keys are stored in the protected memory area of ​​the microprocessor Visa payWave.

With the contactless card can be seamlessly considered personal data, which will be enough to make purchases on the internet without the owner's knowledge

Payment Visa payWave cards do not contain any information on the passport data of the holder or his address, nor a bank account number or the amount of available funds. Yes, and quietly read the data is not so simple: the swindler is necessary to approach the map to a distance of up to four centimeters. It turns out, he has to know exactly which is a pocket card, right to place equipment and does not pretend to be at the same time. Such manipulations require skills similar to the skills of professional pickpockets.

Even if an attacker and be able to get information about Visa payWave card, it will be very, very limited. These figures do not include any financial information, and do not contain any CVV and CVV2 codes used to confirm transactions on the magnetic strip or on the Internet.

Most Russian banks further support Verified by Visa technology that involves the use of one-time password to confirm the safety of the web operations.

Contactless cards can be stolen and quietly withdraw money or make purchases do not need to verify your identity when you pay with a card

Theft or loss of the subject not only to payment cards, but cash. The difference is that in the case of Visa payWave cards in the holder's loss is still able to contact Bank and lock it, and if necessary - to challenge the transactions conducted to return facilities. Alas, in the case of loss of cash that can be done.

Map Visa payWave can independently control limits even without a connection to the bank's system. This tool allows the banks to limit the number of contactless transactions, committed in a row without verifying the cardholder, as well as the amount by which you can make such a purchase. The default is 1000 rubles ¹.

Special services may collect information on the movements of contactless card holder

She had read all the scanners in airports, at the entrances to shops and supermarkets. Or not?

The idea of ​​such tracking cards seems implausible, because Visa payWave in itself does not emit radio waves, a dialogue with the reader is made a short distance (up to 4 cm). It turns out that using a contactless card as a means of tracking movements the user is much more complicated than, say, a mobile phone, which sends a strong enough radio.

When making purchases contactless card may occur double debit

Similar concerns arise with universal terminals accepting all kinds of bank cards. The card can be randomly applied to the terminal or to offend him, as a result of the payment will take place first on the chip or magnetic strip, and then on contactless technology. This fear has no basis.

To make purchases cashier first introduces the required amount, only then is applied card, exchange data and conduct transactions. If you put a contactless card to the reader who is not ready to work with it (for example, after making a purchase, or without entering amount), the transaction or re-write-off does not occur.

Pay with a smartphone safe, because if it is stolen, the attacker will be able to write off funds from the account

Doing so is not more dangerous than an ordinary card. Introduced in Russia Visa payment solutions for smartphones necessarily require activation of the phone lock. Simply put, at a pay phone to be unlocked. In addition, for making such payments the same protection mechanisms are applied as in the conventional contactless cards, which we discussed earlier.

Hackers can hack or infect a computer virus smartphone, and then gain access to the account

The Visa payment solution using smart phones, there are several security features. Besides those already mentioned mechanisms for mobile phone payment using an alternate card number with the limited scope. For example, it can not be used for online shopping.

Payment data in the phone are limited by time of use, the number and amount of permitted transactions. They are updated regularly, making them the abduction simply a waste of resources.

1. Payment cards Visa payWave is done by touching a special Visa payWave terminal, depending on the settings you may need to contact the payment method. Corporation "Visa International Service Assosieyshn» (Visa International Service Association) provides banks with an opportunity to to issue payment cards Visa, use the specified product and / or provide this service, among others, in accordance with the applicable law. The issuing bank has the right to impose restrictions on products, services and their use.