Tap to Pay - 72x More Complicated Than a Simple Tap! 💳📡

Tap to Pay - 72x More Complicated Than a Simple Tap! 💳📡 with tags how does tap to pay work, tap to pay, tap-to-pay, wireless payment, contactless payment, contactless credit card, wireless credit card payment, touchless payment, how do credit cards work, nfc, emv chip, rfid, near field communication, credit card teardown, payment terminal, load modulation, 13.56 mhz, inductive coupling, lc circuit, emv cryptography, arqc, asymmetric encryption, rsa, antenna coil, rfid blocking wallet, hotel key card, branch education, 3d animation

Tap to pay, or contactless payment, seems simple: you hold your credit card over the terminal, and a second later the screen says approved. But it's a lot more complicated than that!! The card has no battery or wires, and feels like just a solid piece of plastic. So how does it power up, talk to the terminal, and prove it isn't a fraudulent card — and all in less than a second!

In this video, we slow that one second way down and explore the physics and engineering behind wireless payments. We'll show you what's inside the payment terminal and your credit card, explain how a 13.56 MHz magnetic field powers the card, show how the two send data back and forth using amplitude and load modulation, and unpack the cryptography that keeps contactless payments secure. Then we branch out into tap to pay in smartphones, wireless payments with hotel key cards and ID badges, and the wider world of RFID.

Table of Contents:

00:00 – How does Tap to Pay Work?

02:05 – Teardown of a Payment Terminal

03:35 – Inside a Credit Card

06:43 – RFID Blocking Wallets, Charging Pads & Induction Stoves

07:48 – Wireless NFC Communication

12:23 – Entirely Created By Human Hands – No AI

14:52 – Communication Sequence

15:58 – Asymmetric Cryptography

19:42 – RSA and Trapdoor Functions

20:56 – Symmetric Encryption & the ARQC

24:02 – Brilliant

25:36 – Tap to Pay in Smartphones

26:20 – RFID: Badges, Hotel Keys & Toll Tags

Twitter: @teddytablante

Animation: Mike Radjabov, Sherdil Davronov, Muazzam Azizova, Max Botirov, Javoxir Parpiyev, Shohruz Asrorov

Research, Script and Editing: Jerry Howard, editing by Teddy Tablante

Modeling: Azizakhon Mukhammedova, Max Botirov, Prakash Kakadiya

Voice Over: Phil Lee

Sound Design by Drilu: www.drilu.studio

Sound Design and Mix: Luis Huesca

Erratum:

Resources

ISO/IEC 14443, Parts 1–4 — Contactless proximity cards (13.56 MHz)

EMVCo — EMV Contactless Specifications for Payment Systems

EMVCo — EMV ICC Specifications, Book 2: Security and Key Management

Klaus Finkenzeller — RFID Handbook, 3rd ed. (Wiley)

#Taptopay #WirelessPayments #Contactless Payment