A Safer Way To Pay: Comparing The Security And Integrity Of 21st Century Payment Systems

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Presented at BSidesVancouver 2019 by

Chester Wisniewski

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Continuing on from my BSides 2014 talk on credit card thieving malware, payment card systems and standards have evolved significantly and there are now many choices for both consumers and merchants to avoid being the victims of fraud. This talk will look at how to determine what risks are worth accepting and the security benefits and downfalls of accepting and making payments using everything from PayPass/PayWave, Chip & PIN, Venmo, AliPay to ApplePay, Google Pay and PayPal. While the security and ease of use of payment tech has improved dramatically in the last 20 years, this talk won't explore every option. Specifically I will leave the costs and benefits of using cash and cryptocurrencies up to the viewers own imagination.