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Decoding Contactless (Card) Payments

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Logo of Chaos Computer Club e.V.Chaos Computer Club e.V.
 Eumes, Simon

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Decoding Contactless (Card) Payments
Subtitle
An Exploration of NFC Transactions and Explanation How Apple Pay and Android Pay Work
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166
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CC Attribution 4.0 International:
You are free to use, adapt and copy, distribute and transmit the work or content in adapted or unchanged form for any legal purpose as long as the work is attributed to the author in the manner specified by the author or licensor.
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Abstract
This talk will dive into the techniques and protocols that drive contactless card payments at the Point of Sale. We will explore how Apple Pay works on a technical level and why you are able to 'clone' your credit card onto your phone. Building upon previous C3 talks on the topics of EMV and ICC payments, we will learn about different NFC payment options, why legacy will never die and how the individual card brands have specified their payment workflows.
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