BETA
Chapter 1
The invisible spark of radio waves
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Chapter 2
The digital handshake and EMV
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Chapter 3
The protective shield of tokenization
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Chapter 4
The lightning-fast network journey
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YOUR GOAL
Master of How tap to pay works
Ch 3 · The protective shield of tokenization
marcus Tap-to-Pay Tokenization
My card number stays locked deep in the vault, A one-time token brings fraud to a halt!
marcus Only the payment network's highly secure vault can match a token back to your real account.
marcus Mobile phones use a physical, isolated chip called a Secure Element to store payment credentials.
Fun Fact
Token security: If a hacker steals a payment token from a merchant, they cannot use it anywhere else because tokens are locked to specific devices.
Quiz
What happens to your real 16-digit card number when you register it on Apple Pay or Google Pay?
Quiz
Why is a stolen payment token useless to a hacker who breaches a merchant's database?
Quiz
What security feature makes mobile phone tap-to-pay inherently safer than tapping a physical card?
Quiz
What is the process of replacing a real 16-digit card number with a substitute number called?