'You have to be quite close to the card and everyone knows that because how many times have to gone to do tap-and-go and you haven't held it close enough?' 'When you've got a tap-and-go with a card, the card has no internet connection: you tap it and all the information is done essentially offline, then the transaction is sent through the internet,' Mr Britton said.Ĭonsumers have to tap their card in the right spot to make a payment, which Mr Britton said demonstrated how a criminal with a skimming device would need to stand particularly close to a customer to get their credit card details from the chip. Mr Britton explained a traditional bank card is a more secure way to pay, compared to paying with a mobile phone. Mobile payments are growing at the expense of the card tap-and-go card method, which has fallen from more than 70 per cent to slightly more than 60 per cent during the past three years, the RBA's consumer payments survey found. 'What actually occurs with devices that are made by the China - they put a physical hardware chip it's a chip physically built into the board in the device and it has code in it that gives them access, so it's a physical back door into a device.' 'Who makes the devices because this is the big threat that no one talks about in cyber security - hardware vulnerabilities,' he claimed. Mr Britton, a Australian Army veteran, is also warning consumers to be wary about Chinese-made smartphones after Australian government departments ripped out security cameras made in the Communist nation. While a credit card is stored on the Wallet app, the actual card numbers aren't stored on the device or on Apple servers, meaning security risks are low.Īustralians are being warned about the dangers of tapping their mobile phones to pay for goods instead of using their credit cards The Apple Wallet on iPhone stores the likes of credit cards, airline tickets, driver's licences and a vaccination certificate.īut Apple Pay purchases have to be authenticated with Touch ID or Face ID, so no information can be sent without the user authenticating it, as part of its design. 'I'm sure hackers do it every day - find out either how they can copy it or steal that digital card and they could potentially use it.'ĭaily Mail Australia has sought an on-the-record comment from Apple. 'A mobile phone can be hacked and this is what people don't understand. 'When you're doing it through the phone, that device you're using is connected to the internet so if that device was compromised - if somebody had a malware installed on it or a hacker had access to it - that information is then vulnerable,' Mr Britton told Daily Mail Australia. Your virtual phone wallet acts as a digital copy of your card, meaning if hackers can access your phone - they can potentially swipe your card details, too. New Reserve Bank of Australia data showed younger consumers are particularly keen to use their mobile instead of a plastic card to make a tap-and-go payment.īut cyber security expert Benjamin Britton said credit card apps on mobile phones were vulnerable if a hacker sent a text message or email that fooled the owner into clicking on it. One in three payments are now made by tapping a smartphone on a contactless device. Australians are being warned about the dangers of saving their credit card details on their mobile phones so they have digital tap-and-go convenience.
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