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Apple Pay 並非基於數學的方法來為信用卡卡號生成 Token 資訊,因此它生成的 Token 資訊無法使用方程式進行還原,也就得不到信用卡卡號的資訊。在 Apple Pay 當中,一旦載入一張信用卡,系統就會迅速使用隨機生成的 Token 資訊進行替代。換言之,Token 資訊是一次性的,即便有人掌握大量 Token 資訊也是無用的,他也沒辦法透過這些資訊得到使用者的信用卡卡號。
Apple Pay 的使用是和 Touch ID 深度整合的——每一次交易,使用者都需要按下 Touch ID,以完成交易。從表面看,這個操作十分簡單,但是背後實際上並不那麼簡單。每一次交易,Apple Pay 都在密碼保護的情況下,為交易動態生成信用卡安全碼(CVV)。是的,它的作用很像信用卡後面印著的安全碼,只不過是由蘋果的演算法動態生成。
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Scottish readers: Undecided about the referendum? Please read How the media shafted the people of Scotland and Scottish Independence, Power And Propaganda.
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