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10 Reasons Why Apple Pay Beats Google Wallet On Security

The new Apple Pay feature incorporated into the latest iPhone and Apple Watches trounces Google Wallet on security and privacy, mobile payment experts say. Here are 10 reasons why.

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1. Tokenization

Apple replaces the16-digit credit card number and other data associated with the magnetic stripe on standard credit cards by using tokenization. Apple generates a one-time-use token with every transaction. The token is created in a way that makes it impossible for an attacker to reverse. However it isn't foolproof, security experts say. An attacker could theoretically gain access to a token system that processes the transactions to glean some information. Still, tokenization removes the point-of-sale system fraud (think Target and Home Depot breaches), by eliminating the credit card from the merchant's systems altogether.

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