The new payment method with the Mir card through the screen using a QR code must be tokenized; it should not contain bank card details, but a link to them. The requirements will be mandatory for banks from April 25. This is stated in the technical bulletin of the National Payment Card System (NSPK), sent to banks, writes Izvestia.
The QR code will be generated in the mobile application of the card issuing bank based on your data. The seller will read the code and debit the required amount from the card, just like when paying with NFC, but unlike paying with SBP, bank refunds will be saved.
The risk in using this payment method is that the image on the smartphone screen is perceptible to others and may, for example, fall into the camera lens, a banking sector source told the publication.
According to him, the QR code can be recognized, the real number of the card extracted from it and used for fraud. Financial data, according to the NSPK plan, will be tokenized, exchanged with another security, which will contain only an encrypted link to valid payment data.
- Payment services Apple Pay, Google Pay, Samsung Pay stopped working in Russia in the spring of 2022 due to sanctions. Due to difficulties with these services, the Russians began to use PBS payment twice as often.
Author:
karina pardaeva
Source: RB
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