Privacy: Why Apple Pay will be Better than Google Wallet
Summary: Apple announced on September 9 that its new iPhone models would include Apple Pay, a system for purchasing items in stores and online using NFC and TouchID. The article contrasts Apple Pay's physical Secure Element, which generates a unique transaction ID passed encrypted to the payment processor without Apple's involvement, against Google Wallet's Host Card Emulation, in which Google's servers store the card number and are involved in every transaction.
Why it matters: Google collects data on every Google Wallet transaction and can use it under its privacy policy, leaving that stored data exposed to a breach, a subpoena, or an accident - a risk Apple Pay's architecture avoids by keeping the card number off Apple's servers.
Read the original at Unit 42 Palo Alto Networks ↗
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