Submitted by oatli t3_11d63c0 in explainlikeimfive
ZuperLucaZ t1_ja74ybf wrote
An NFC is a signal, your card emits that signal which acts like a password to your bank account.
Instead, your phone can scan and copy this signal, and then emit it themselves to mimic this code and appear to be the card doing the work
Security risks, sure, but it’s way riskier using you card since that’s always emitting the signal, your phone is not
travelinmatt76 t1_ja7yddx wrote
Mythbusters were going to film an episode on the security flaws of RGID chips in credit cards, but every major credit card company said they would pull their ads off the Discovery Channel if the episode aired.
Bensemus t1_ja9rmc6 wrote
> it’s way riskier using you card since that’s always emitting the signal
It's not. The card has no power. The power is wirelessly sent to the card when you are tapping it.
If you bring the proper device close to the card it will start talking vs your phone which needs the CC or debit card first opened before it bothers looking for a terminal to talk to.
ZuperLucaZ t1_jacvxq0 wrote
Exactly, that’s what I meant, this is a subreddit for dumbing down answers to make the answer digestible, both our descriptions are practically the same
The point of the last paragraph was to state that the phone can’t always be scanned while you card can
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