{"id":8195,"date":"2015-08-12T13:48:00","date_gmt":"2015-08-12T12:48:00","guid":{"rendered":"http:\/\/www.solucominsight.fr\/?p=8195"},"modified":"2019-12-31T10:36:08","modified_gmt":"2019-12-31T09:36:08","slug":"democratisation-des-nouveaux-moyens-de-paiements-la-securite-au-coeur-des-enjeux","status":"publish","type":"post","link":"https:\/\/www.riskinsight-wavestone.com\/en\/2015\/08\/democratisation-des-nouveaux-moyens-de-paiements-la-securite-au-coeur-des-enjeux\/","title":{"rendered":"D\u00e9mocratisation des nouveaux moyens de paiements : la s\u00e9curit\u00e9 au c\u0153ur des enjeux"},"content":{"rendered":"<p><em>Notre mani\u00e8re de consommer \u00e9volue, au m\u00eame titre que nos moyens de paiement. La d\u00e9mocratisation du commerce sur internet est un fait. D\u2019apr\u00e8s la Fevad, <\/em><a href=\"http:\/\/www.fevad.com\/uploads\/files\/enjeux2014\/Chiffres_Cles_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><em>le premier trimestre 2015 a enregistr\u00e9 une hausse de 15% des transactions en ligne par rapport \u00e0 2013<\/em><\/a><em>. Cependant, le plus \u00e9tonnant se trouve du c\u00f4t\u00e9 du m-commerce, autrement dit, les achats sur smartphones et tablettes. Ils ont augment\u00e9 de 54% par rapport \u00e0 2013. Or, le paiement s\u00e9curis\u00e9 et ergonomique est un facteur cl\u00e9 de la r\u00e9ussite du commerce mobile.<\/em><\/p>\n<h2>Une multiplicit\u00e9 des moyens de paiement<\/h2>\n<p>Le panorama des nouveaux moyens de paiement ne cesse d\u2019\u00e9voluer au fil des ann\u00e9es. Cette \u00e9volution sous-entend aussi une diversit\u00e9 des technologies utilis\u00e9es par chaque solution.<\/p>\n<p><strong>Le e-commerce\u00a0: <\/strong>Les transactions en ligne via un ordinateur se r\u00e9sume g\u00e9n\u00e9ralement \u00e0 recopier les donn\u00e9es d\u2019une carte bancaire sur un site marchand. Il est toutefois possible d\u2019utiliser un portefeuille \u00e9lectronique, comme le propose par exemple <em>PayPal<\/em>.<\/p>\n<p><strong>Le m-commerce : <\/strong>On distingue diff\u00e9rents modes de paiements sur mobile\u00a0:<\/p>\n<ul>\n<li><strong>Le paiement \u00e0 distance<\/strong>, via internet sur une application d\u00e9di\u00e9e ou sur un navigateur, ou encore par SMS en utilisant la technologie <em>USSD (Unstructured Supplementary Service Data)<\/em>. Ce protocole de communication permet entre autre de consulter son suivi conso et de payer sa facture en tapant #123# depuis son mobile. Ce dernier est aujourd\u2019hui surtout pr\u00e9sent dans les r\u00e9gions du monde o\u00f9 la population est peu bancaris\u00e9e\u00a0;<\/li>\n<li><strong>Le transfert d\u2019argent de mobile \u00e0 mobile<\/strong>, est un service propos\u00e9 par de plus en plus de portefeuilles \u00e9lectroniques, \u00e0 l\u2019instar de <em>Google Wallet<\/em> ou des portefeuilles <a href=\"http:\/\/www.securityinsider-solucom.fr\/2015\/07\/les-trois-piliers-securite-du-bitcoin.html\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Bitcoin<\/em><\/a>;<\/li>\n<li><strong>Le paiement de proximit\u00e9<\/strong>, ou paiement sans contact, permettant de payer chez le marchand avec son smartphone. Cette solution est domin\u00e9e par deux technologies. La premi\u00e8re est le <em>Near Field Comunication<\/em> (NFC), comme le proposent <em>Apple Pay<\/em> et <em>Google Wallet<\/em>. La seconde est le <em>Quick Response Code<\/em> (QR Code), une technologie notamment utilis\u00e9e par les portefeuilles <em>Bitcoin<\/em> ou <em>DigiCash<\/em>.<\/li>\n<\/ul>\n<p>Il ne s\u2019agit pas ici d\u2019une liste exhaustive des nouveaux moyens de paiement, puisque <strong>d\u2019autres solutions permettent de payer autrement<\/strong>, \u00e0 l\u2019image du <a href=\"https:\/\/squareup.com\/apple-pay\" target=\"_blank\" rel=\"noopener noreferrer\"><em>NFC Reader<\/em> propos\u00e9 par Square<\/a>. Cependant, il faut garder en t\u00eate que ces nouvelles solutions tendent \u00e0 se g\u00e9n\u00e9raliser. Reste \u00e0 identifier les impacts au niveau de la s\u00e9curit\u00e9.<\/p>\n<h2>Quels enjeux en mati\u00e8re de s\u00e9curit\u00e9\u00a0?<\/h2>\n<p>Ces nouveaux moyens de paiement sont tributaires des supports qui les proposent. Autrement dit, de <strong>nouveaux risques <\/strong>apparaissent, puisque le <em>smartphone<\/em> devient en partie responsable de la s\u00e9curit\u00e9 du paiement. Certes, ces solutions proposent des syst\u00e8mes de s\u00e9curisation de la transaction via par exemple le chiffrement ou la <em>tokenisation<\/em> (m\u00e9canisme visant \u00e0 remplacer le num\u00e9ro de la carte bancaire par un autre num\u00e9ro unique et inutilisable dans d\u2019autres contextes). Mais un <em>smartphone<\/em> n\u2019est autre qu\u2019un outil personnel pour l\u2019utilisateur, donc potentiellement personnalisable ou attaquable. Or, une authentification d\u00e9sactiv\u00e9e, ou un smartphone \u00ab\u00a0<em>jailbreak\u00e9<\/em>\u00a0\u00bb (dont les fonctions de s\u00e9curit\u00e9 ont \u00e9t\u00e9 d\u00e9verrouill\u00e9es) sont autant de probl\u00e8mes de s\u00e9curit\u00e9 dont l\u2019utilisateur est responsable ou peut \u00eatre la victime en cas de failles de s\u00e9curit\u00e9 utilis\u00e9es des pirates.<\/p>\n<p>La solution de paiement doit donc proposer des mesures de s\u00e9curit\u00e9 pour palier \u00e0 ces \u00e9ventualit\u00e9s. Trois exemples concrets permettent de mieux comprendre les enjeux de la s\u00e9curit\u00e9 des nouveaux moyens de paiement.<\/p>\n<h2><em>Apple Pay<\/em>, <em>Google Wallet<\/em> et les portefeuilles <em>Bitcoin<\/em>, trois solutions, trois philosophies diff\u00e9rentes<\/h2>\n<p>Les solutions propos\u00e9es par les deux g\u00e9ants am\u00e9ricains Apple et Google, sont des portefeuilles \u00e9lectroniques. \u00c0 noter que ce terme est un abus de langage car il signifie initialement l\u2019utilisation d\u2019un compte cr\u00e9dit\u00e9. Ils permettent de payer via des applications qui les supportent, et ils permettent aussi de payer chez le marchand directement avec son smartphone par communication NFC. <strong><em>Google Wallet<\/em><\/strong> existe depuis septembre 2011 aux \u00c9tats-Unis alors qu\u2019<strong><em>Apple Pay <\/em><\/strong>est lui disponible depuis octobre 2014 outre-Atlantique et depuis le 14 juillet 2015 en Grande Bretagne. On compte n\u00e9anmoins plus de 700\u00a0000 terminaux de paiement acceptant chacune des deux solutions.<\/p>\n<figure id=\"post-8205 media-8205\" class=\"align-none\"><img decoding=\"async\" src=\"http:\/\/www.solucominsight.fr\/wp-content\/uploads\/2015\/08\/Apple-Pay-Google-Wallet1.png\" alt=\"\" \/><\/figure>\n<p style=\"text-align: center;\">Apple<em> Pay (\u00e0 gauche) et Google Wallet (\u00e0 droite)<\/em><\/p>\n<p>L\u2019une des distinctions majeures entre ces deux solutions r\u00e9side dans le stockage des donn\u00e9es \u00e0 caract\u00e8re personnel. Tandis qu\u2019Apple certifie ne r\u00e9cup\u00e9rer aucune donn\u00e9e qui pourrait \u00eatre reli\u00e9e \u00e0 l\u2019utilisateur, Google, lui, se propose de r\u00e9cup\u00e9rer et stocker toutes ces donn\u00e9es dans le Cloud. La raison de ces choix technologiques provient du fait qu\u2019Apple est propri\u00e9taire de sa technologie de bout en bout, il fabrique ses propres smartphones. De l\u2019autre c\u00f4t\u00e9, Google ne fabrique pas les mobiles qui proposent sa solution de paiement. Ainsi, il se propose de stocker toutes les donn\u00e9es sur le cloud afin de les s\u00e9curiser. Une confiance que l\u2019on retrouve aussi au travers d\u2019une solution en marge du syst\u00e8me bancaire\u00a0: le <em>Bitcoin<\/em>.<\/p>\n<p><strong>Les portefeuilles <em>Bitcoin<\/em><\/strong> permettent de faire ses achats en monnaie \u00ab\u00a0virtuelle\u00a0\u00bb depuis son mobile. Il est en effet aujourd\u2019hui possible de payer avec ses bitcoins chez certains marchands, et ce, m\u00eame en France. <a href=\"http:\/\/www.france24.com\/fr\/20140527-bitcoin-picotin-restaurant-paiement-monnaie-paris-blockchain-addition-monnaie-alternative\" target=\"_blank\" rel=\"noopener noreferrer\">Le Picotin par exemple, restaurant dans le 12<sup>\u00e8me<\/sup> arrondissement de Paris, propose \u00e0 ses clients de payer son addition par bitcoin<\/a>.<\/p>\n<figure id=\"post-8203 media-8203\" class=\"align-none\"><img loading=\"lazy\" decoding=\"async\" class=\" aligncenter\" src=\"http:\/\/www.solucominsight.fr\/wp-content\/uploads\/2015\/08\/Picotin.jpg\" alt=\"\" width=\"581\" height=\"327\" \/><\/figure>\n<p style=\"text-align: center;\"><em>\u00a9 Sebastian Seibt | Le Picotin accepte les paiements en monnaie d\u00e9mat\u00e9rialis\u00e9e<\/em><\/p>\n<p>De plus, certains portefeuilles \u00e9lectroniques comme <a href=\"https:\/\/www.igot.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>igot<\/em><\/a> (disponible en Australie) s\u2019occupent de transf\u00e9rer au marchand l\u2019\u00e9quivalent de la quantit\u00e9 de bitcoin en monnaie locale.<\/p>\n<p>Ce moyen de paiement virtuel pr\u00e9sente de nombreux avantages, en particulier du point de vue de l\u2019anonymisation m\u00eame s\u2019il reste peu r\u00e9pandu et sujet \u00e0 des variations de valeurs extr\u00eamement fortes.<\/p>\n<p>Ces solutions sont donc une nouvelle exp\u00e9rience de paiement. Une exp\u00e9rience qui se voit port\u00e9e par deux arguments\u00a0: <strong>ergonomie et s\u00e9curit\u00e9<\/strong>. <em>Apple Pay<\/em>, <em>Google Wallet<\/em>, et les portefeuilles <em>Bitcoins<\/em> peuvent-ils incarner l\u2019avenir des paiements\u00a0s\u00e9curis\u00e9s ? C\u2019est dans l\u2019optique de r\u00e9pondre \u00e0 cette question, qu\u2019il sera n\u00e9cessaire de d\u00e9crypter la s\u00e9curit\u00e9 de ces trois nouveaux moyens de paiement. Cela fera l\u2019objet de prochains articles de blog \u00e0 ce sujet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Notre mani\u00e8re de consommer \u00e9volue, au m\u00eame titre que nos moyens de paiement. La d\u00e9mocratisation du commerce sur internet est un fait. D\u2019apr\u00e8s la Fevad, le premier trimestre 2015 a enregistr\u00e9 une hausse de 15% des transactions en ligne par&#8230;<\/p>\n","protected":false},"author":1271,"featured_media":8196,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/tmpl-one.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3229,36],"tags":[2422,2423,3307,2619,399],"coauthors":[2419,2769],"class_list":["post-8195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cyber-for-financial-services","category-cybersecurity-digital-trust","tag-apple-pay","tag-bitcoin","tag-financial-services-cyber","tag-paiement","tag-usages"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00e9mocratisation des nouveaux moyens de paiements : la s\u00e9curit\u00e9 au c\u0153ur des enjeux - RiskInsight<\/title>\n<meta name=\"description\" content=\"Nouveaux moyens de paiement, zoom sur Google Wallet, Apple Pay, Bitcoin\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.riskinsight-wavestone.com\/2015\/08\/democratisation-des-nouveaux-moyens-de-paiements-la-securite-au-coeur-des-enjeux\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9mocratisation des nouveaux moyens de paiements : la s\u00e9curit\u00e9 au c\u0153ur des enjeux - RiskInsight\" \/>\n<meta property=\"og:description\" content=\"Nouveaux moyens de paiement, zoom sur Google Wallet, Apple Pay, Bitcoin\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.riskinsight-wavestone.com\/2015\/08\/democratisation-des-nouveaux-moyens-de-paiements-la-securite-au-coeur-des-enjeux\/\" \/>\n<meta property=\"og:site_name\" content=\"RiskInsight\" \/>\n<meta property=\"article:published_time\" content=\"2015-08-12T12:48:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-12-31T09:36:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.riskinsight-wavestone.com\/wp-content\/uploads\/2015\/08\/Fotolia_84300427_Subscription_Monthly_M.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1541\" \/>\n\t<meta property=\"og:image:height\" content=\"1233\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ris4InsigHt\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ris4InsigHt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/2015\/08\/democratisation-des-nouveaux-moyens-de-paiements-la-securite-au-coeur-des-enjeux\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/2015\/08\/democratisation-des-nouveaux-moyens-de-paiements-la-securite-au-coeur-des-enjeux\/\"},\"author\":{\"name\":\"Ris4InsigHt\",\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/en\/#\/schema\/person\/7d402de4c00acb1a73cc38330d1a3df2\"},\"headline\":\"D\u00e9mocratisation des nouveaux moyens de paiements : la s\u00e9curit\u00e9 au c\u0153ur des enjeux\",\"datePublished\":\"2015-08-12T12:48:00+00:00\",\"dateModified\":\"2019-12-31T09:36:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/2015\/08\/democratisation-des-nouveaux-moyens-de-paiements-la-securite-au-coeur-des-enjeux\/\"},\"wordCount\":1065,\"publisher\":{\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/2015\/08\/democratisation-des-nouveaux-moyens-de-paiements-la-securite-au-coeur-des-enjeux\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.riskinsight-wavestone.com\/wp-content\/uploads\/2015\/08\/Fotolia_84300427_Subscription_Monthly_M.jpg\",\"keywords\":[\"Apple Pay\",\"Bitcoin\",\"financial services cyber\",\"paiement\",\"usages\"],\"articleSection\":[\"Cyber for Financial Services\",\"Cybersecurity &amp; 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