How does tap-to-pay know it's really your card?
Tapping your card doesn't prove anything with the card number. The chip uses a secret key it shares with your bank to turn the amount, the date and a random number into a one-time code, and your bank checks it. Phone wallets such as Apple Pay go further: the phone never sends your real card number.
Example values on screen are illustrations. Sources: Visa chip technology; American Express EMV chip card FAQs; EMVCo; Apple Pay security and privacy overview (support.apple.com/en-ie/101554).
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