Capco: Reducing Fraud with Tokenized Payments
Among the obvious advantages of chip and PIN and contactless payments via EMV*, major weaknesses have led to the banking industry suffering serious fraud. One of these weaknesses is the insecurity of the personal account number (PAN). PAN data can be compromised during EMV transactions or by breaching merchants’ databases that store consumer card details. PAN-related data can be used for cross-channel fraud, such as card-not-present (CNP) and counterfeit card transactions via the internet
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