Virtual wallets like Apple Pay and Google Pay are extremely convenient, but are they safe? How do they protect your information from people that would try to steal it? Here is what you need to know.
How Do Apple Pay and Google Pay Work?
Apple Pay and Google Pay allow you to use your phone to tap-to-pay, much like you would with a credit card. But how do they work under the hood?
When you first add a card to either service, the card number is transmitted to an intermediary called a Token Service Provider(TSP). Token Service Providers take your credit card number, otherwise called your Primary Account Number(PAN), and assign you a second number called a token, or Digital Primary Account Number(DPAN).
Once you’ve been assigned a token, every time you use your phone to pay for something, your phone transmits the token over NFC instead of your actual credit card number. Whoever you’re paying then transmits your token to the TSP, and the TSP is the one that links your token back to your regular account number. That information is then forwarded along to your bank (or other financial institution), and your payment goes through.
This extra layer is there to prevent your real Primary Account Number from being stolen or otherwise abused. A merchant can’t do anything with your token alone—they require the TSP to provide the connection between themselves and your bank.
How Secure are Apple Pay and Google Pay?
Google Pay and Apple Pay are very secure, and as of the time of writing, there has never been a large-scale breach associated with either of them. There are four big features that contribute to this:
Apple Pay does not store your full credit card number, so even if Apple is compromised and their encryption fails to protect the data (which is unlikely), your card number can’t be stolen.
Google Pay encrypts all the card data stored on their servers. If the data is ever stolen, it is unlikely that anyone will be able to break the encryption in the foreseeable future.
Apple and Google Pay use tokenization for transactions. Just like with credit cards, this means that whoever you're paying can't steal your credit card number and use it for fraudulent transactions later.
Neither service will allow you to view or modify the payment methods attached to your account unless you confirm it using your phone (or another authorized device).
Even if your Google or Apple account were to be hacked, neither service will allow you to use, modify, or view your payment methods without you using your phone (or other device) to confirm that it is you. This ensures that a hacker won’t be able to go on a spending spree with your cards.
What Makes Them Vulnerable?
The biggest (known) security vulnerability of both
The website gametalkz.com is an aggregator of news from open sources. The source is indicated at the beginning and at the end of the announcement. You can send a complaint on the news if you find it unreliable.
Targeting a PS5 release at some point this year, MechWarrior 5: Clans has a clear goal in mind: to expand its audience beyond the hardcore fans of this long-running series. Indeed, MechWarrior has always been a fairly demanding franchise — which has largely stuck to PC — but Clans is built to be the most accessible entry to date (and the best-looking entry, thanks to Unreal Engine 5).
TV has gotten off to a strong start in 2024. Shōgunis legitimately fantastic, and the kind of weekly watercooler show we’ve been missing as a culture in a post-Game of Thronesworld. Delicious in Dungeonhas stolen my heart and my stomach. TV adaptations of Mr. & Mrs. Smith, The Gentlemen,and The Three-Body Problemwere all considerably better than I expected. And in the world of cape fiction, Invinciblehas continued its strong run, and the X-Men are back! Even with all that, the year in television is just starting. There are tons of exciting shows around the corner, like Park Chan-wook’s The Sympathizer, Prime Video’s Falloutshow, and new seasons of Evil, Taskmaster,Interview with the Vampire, andDoctor Who.
Circle to Search is one of the best features I have seen on the Galaxy S24 and Pixel 8 series. It is one of the features that you never really know you need until it finally arrives on your phone, and the good news is that it is now rolling out to a host of older Pixel devices, including the freshly discontinued Pixel 6a, the Pixel 6, and the Pixel 7a. In addition, the Galaxy S23 series and all the other Samsung devices due for the One UI 6.1 update are also getting this feature.
Apple announced yesterday that it will be hosting its highly anticipated WWDC 2024 event on June 10 to announce iOS 18 and a bunch of other updates for its entire product line. We have previously covered that WWDC 2024 will be special this year as it will be the perfect venue for Apple to announce its long-rumored AI features to the world for the iPhone, Mac, iPad, and additional products. However, Apple will not launch its own ChatGPT-like chatbot with the release of iOS 18 later this year.
Magic: The Gathering’s next set of cards, titled Outlaws of Thunder Junction, is a departure for the trading card game in more ways than one. The Western-themed setting puts a group of ambitious villains at its center for a high-profile heist. It also adds a heapin’ helpin’ of new mechanics, and several sub-sets of cards that fans will be eager to chase after — both for their unique art treatments, and their impact on the game’s larger meta. But golly is there ever a lot to unpack here.
As players wait on any kind of update regarding ,the latest update regarding the game's development has left the community with more questions than answers. Starting off life as an expansion to the original, which is widely regarded as one of the best games of the past decade, developer Team Cherry has provided very little information on the sequel, leading to a substantial amount of frustration from enthusiasts. As the game's absence slowly turns into a meme, the most recent news on its progress does nothing to satiate fans' curiosity.
The U.S. has filed a lawsuit against Apple with the aim of increasing competition for the iPhone and giving a leg up to smaller companies whose apps work with the ubiquitous device.
It was initially rather surprising when Moon Studios, well known for developing the beloved Metroidvania games Ori and the Blind Forest and its sequel, announced that its next game isn't a Metroidvania at all. No Rest for the Wicked is an action-RPG not unlike Diablo, but the devs have reassured that it's "much more Metroidvania" than most games in the genre.
Stardew Valley developer Eric “ConcernedApe” Barone wasn’t lying when he said that update 1.6 was going to be huge. The new patch, released Tuesday, is chock-full of changes to just about every aspect of the game, from story events to fishing, endgame content, and even the maps. Of course, there are also the typical bug fixes, which lead to some hysterical bullet points in the patch notes.
The developers of Sea of Thieves have shared some of what players can expect in the remainder of 2024. Developer Rare, the team behind the hit pirate video game Sea of Thieves, has shared its 2024 roadmap for the game, announcing several new weapons, items, and even a brand-new ship will be added to the game.