{"id":16257,"date":"2026-11-01T09:27:16","date_gmt":"2026-11-01T09:27:16","guid":{"rendered":"https:\/\/custom-rfid-tags.com\/?p=16257"},"modified":"2026-11-01T09:27:18","modified_gmt":"2026-11-01T09:27:18","slug":"how-does-nfc-payment-work","status":"publish","type":"post","link":"https:\/\/custom-rfid-tags.com\/cs\/how-does-nfc-payment-work\/","title":{"rendered":"Jak funguje platba pomoc\u00ed technologie NFC?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Platba pomoc\u00ed technologie NFC v\u00e1m umo\u017e\u0148uje zaplatit tak, \u017ee p\u0159ilo\u017e\u00edte bezkontaktn\u00ed bankovn\u00ed kartu, telefon nebo chytr\u00e9 hodinky k kompatibiln\u00edmu platebn\u00edmu termin\u00e1lu. Technologie NFC zaji\u0161\u0165uje bezdr\u00e1tov\u00e9 spojen\u00ed na kr\u00e1tkou vzd\u00e1lenost, zat\u00edmco samotnou transakci zpracov\u00e1vaj\u00ed \u010dip karty, termin\u00e1l, platebn\u00ed s\u00ed\u0165 a banka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jedno p\u0159ilo\u017een\u00ed karty m\u016f\u017ee trvat jen vte\u0159inu, ale b\u011bhem t\u00e9 doby prob\u011bhne n\u011bkolik krok\u016f. Platebn\u00ed za\u0159\u00edzen\u00ed komunikuje s termin\u00e1lem, vygeneruje bezpe\u010dnostn\u00ed \u00fadaje pro transakci a ode\u0161le platbu p\u0159es bankovn\u00ed s\u00ed\u0165 ke schv\u00e1len\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co je to platba pomoc\u00ed technologie NFC?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-1024x768.webp\" alt=\"Jak funguje platba pomoc\u00ed technologie NFC?\" class=\"wp-image-16314\" title=\"\" srcset=\"https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-1024x768.webp 1024w, https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-300x225.webp 300w, https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-768x576.webp 768w, https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-16x12.webp 16w, https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work.webp 1448w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">NFC (Near Field Communication) je bezdr\u00e1tov\u00e1 technologie s kr\u00e1tk\u00fdm dosahem, kter\u00e1 pracuje na frekvenci 13,56 MHz. V oblasti plateb umo\u017e\u0148uje platebn\u00ed kart\u011b nebo mobiln\u00edmu za\u0159\u00edzen\u00ed komunikovat s platebn\u00edm termin\u00e1lem, ani\u017e by bylo nutn\u00e9 je vlo\u017eit do \u010dte\u010dky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Technologie EMV Contactless podporuje platby jak z bezkontaktn\u00edch \u010dipov\u00fdch karet, tak z mobiln\u00edch za\u0159\u00edzen\u00ed s podporou NFC. Sta\u010d\u00ed pouze p\u0159ibl\u00ed\u017eit kartu nebo za\u0159\u00edzen\u00ed t\u011bsn\u011b k termin\u00e1lu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mezi b\u011b\u017en\u00e9 zp\u016fsoby platby pomoc\u00ed technologie NFC pat\u0159\u00ed bezkontaktn\u00ed debetn\u00ed a kreditn\u00ed karty, Apple Pay, Google Pay a chytr\u00e9 hodinky s funkc\u00ed platby.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Samotn\u00e9 NFC p\u0159ipojen\u00ed neprov\u00e1d\u00ed p\u0159evod pen\u011bz mezi \u00fa\u010dty. Zaji\u0161\u0165uje pouze lok\u00e1ln\u00ed komunika\u010dn\u00ed spojen\u00ed mezi platebn\u00edm za\u0159\u00edzen\u00edm a termin\u00e1lem. Zbytek transakce prob\u00edh\u00e1 prost\u0159ednictv\u00edm b\u011b\u017en\u00e9 platebn\u00ed infrastruktury.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak funguje platba pomoc\u00ed technologie NFC?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Typickou transakci s bezkontaktn\u00ed kartou lze rozd\u011blit do p\u011bti f\u00e1z\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Termin\u00e1l aktivuje kartu<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Obchodn\u00edk nejprve zad\u00e1 nebo potvrd\u00ed \u010d\u00e1stku n\u00e1kupu. Platebn\u00ed termin\u00e1l pot\u00e9 vytvo\u0159\u00ed vysokofrekven\u010dn\u00ed pole kolem sv\u00e9 bezkontaktn\u00ed \u010dte\u010dky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fyzick\u00e1 bezkontaktn\u00ed bankovn\u00ed karta nepot\u0159ebuje vlastn\u00ed baterii. Jej\u00ed vnit\u0159n\u00ed ant\u00e9na p\u0159ij\u00edm\u00e1 energii z pole termin\u00e1lu a dod\u00e1v\u00e1 \u010dipu dostatek energie k provozu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bezdotykov\u00e1 karta proto m\u016f\u017ee n\u011bkdy le\u017eet roky nepou\u017e\u00edvan\u00e1 v pen\u011b\u017eence a p\u0159esto komunikovat s termin\u00e1lem, kdy\u017e na n\u011bj p\u0159ilo\u017e\u00edte kartu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mobiln\u00ed telefony a chytr\u00e9 hodinky se li\u0161\u00ed t\u00edm, \u017ee maj\u00ed vlastn\u00ed zdroj energie, i kdy\u017e p\u0159i komunikaci s platebn\u00edm termin\u00e1lem vyu\u017e\u00edvaj\u00ed stejn\u00e9 bezkontaktn\u00ed rozhran\u00ed s kr\u00e1tk\u00fdm dosahem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Karta a termin\u00e1l nav\u00e1\u017e\u00ed spojen\u00ed<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jakmile se karta dostane do dosahu termin\u00e1lu, termin\u00e1l a karta nav\u00e1\u017e\u00ed komunikaci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bezkontaktn\u00ed platebn\u00ed karty obvykle vyu\u017e\u00edvaj\u00ed technologii zalo\u017eenou na norm\u011b ISO\/IEC 14443. Specifikace EMV pak definuj\u00ed, jak si platebn\u00ed aplikace a termin\u00e1l vym\u011b\u0148uj\u00ed informace pot\u0159ebn\u00e9 ke zpracov\u00e1n\u00ed transakce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Termin\u00e1l rozpozn\u00e1 dostupnou platebn\u00ed aplikaci a zah\u00e1j\u00ed transakci EMV. V tomto okam\u017eiku karta ned\u011bl\u00e1 jen to, \u017ee odes\u00edl\u00e1 ulo\u017een\u00e9 \u010d\u00edslo karty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Karta generuje \u00fadaje o transakc\u00edch<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Platebn\u00ed \u010dip obsahuje identifika\u010dn\u00ed \u00fadaje a kryptografick\u00e9 informace vydan\u00e9 v r\u00e1mci syst\u00e9mu platebn\u00edch karet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u011bhem transakce vyu\u017e\u00edv\u00e1 tyto p\u0159ihla\u0161ovac\u00ed \u00fadaje k vygenerov\u00e1n\u00ed bezpe\u010dnostn\u00edch \u00fadaj\u016f specifick\u00fdch pro danou platbu. Standard EMV tento \u00fadaj popisuje jako jednor\u00e1zov\u00fd bezpe\u010dnostn\u00ed k\u00f3d nebo kryptogram. Pro ka\u017edou dal\u0161\u00ed transakci se generuje nov\u00e1 hodnota, nam\u00edsto toho, aby se poka\u017ed\u00e9 pou\u017e\u00edval stejn\u00fd pevn\u011b dan\u00fd bezpe\u010dnostn\u00ed k\u00f3d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Transakce m\u016f\u017ee rovn\u011b\u017e obsahovat \u00fadaje poskytnut\u00e9 termin\u00e1lem, jako je nap\u0159\u00edklad \u010d\u00e1stka n\u00e1kupu a dal\u0161\u00ed parametry transakce.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Transakce je odesl\u00e1na k autorizaci<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Po nav\u00e1z\u00e1n\u00ed komunikace s kartou termin\u00e1l ode\u0161le platbu do platebn\u00ed s\u00edt\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zjednodu\u0161en\u00fd postup vypad\u00e1 takto:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Karta nebo telefon \u2192 platebn\u00ed termin\u00e1l \u2192 akceptant obchodn\u00edka\/zpracovatel plateb \u2192 platebn\u00ed s\u00ed\u0165 \u2192 vyd\u00e1vaj\u00edc\u00ed banka<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vyd\u00e1vaj\u00edc\u00ed banka je banka nebo finan\u010dn\u00ed instituce, kter\u00e1 odpov\u00edd\u00e1 za kartu z\u00e1kazn\u00edka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ij\u00edm\u00e1 informace o transakci a prov\u00e1d\u00ed kontroly nezbytn\u00e9 k rozhodnut\u00ed, zda m\u00e1 b\u00fdt platba p\u0159ijata. Mezi tyto kontroly m\u016f\u017ee pat\u0159it ov\u011b\u0159en\u00ed platebn\u00edch \u00fadaj\u016f a kryptografick\u00fdch dat a kontrola stavu \u00fa\u010dtu a transakce.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Schv\u00e1len\u00ed nebo zam\u00edtnut\u00ed se vr\u00e1t\u00ed do termin\u00e1lu<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vydavatel p\u0159ed\u00e1 sv\u00e9 rozhodnut\u00ed prost\u0159ednictv\u00edm platebn\u00ed s\u00edt\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V p\u0159\u00edpad\u011b schv\u00e1len\u00ed platbu potvrd\u00ed platebn\u00ed termin\u00e1l. V p\u0159\u00edpad\u011b zam\u00edtnut\u00ed obdr\u017e\u00ed termin\u00e1l m\u00edsto toho p\u0159\u00edslu\u0161nou odpov\u011b\u010f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cel\u00fd proces se \u010dasto dokon\u010d\u00ed b\u011bhem n\u011bkolika sekund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vypo\u0159\u00e1d\u00e1n\u00ed plateb mezi finan\u010dn\u00edmi institucemi prob\u00edh\u00e1 samostatn\u011b. P\u0159ilo\u017een\u00ed karty k termin\u00e1lu slou\u017e\u00ed p\u0159edev\u0161\u00edm k ov\u011b\u0159en\u00ed a autorizaci transakce, nikoli k okam\u017eit\u00e9mu p\u0159evodu pen\u011bz z jednoho bankovn\u00edho \u00fa\u010dtu p\u0159\u00edmo na \u00fa\u010det obchodn\u00edka.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Vy\u017eaduje platba p\u0159es NFC p\u0159ipojen\u00ed k internetu?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Samotn\u00e1 v\u00fdm\u011bna dat pomoc\u00ed technologie NFC s kr\u00e1tk\u00fdm dosahem nevy\u017eaduje, aby m\u011bl z\u00e1kazn\u00edk na sv\u00e9m telefonu aktivn\u00ed mobiln\u00ed datov\u00e9 p\u0159ipojen\u00ed ani p\u0159ipojen\u00ed k Wi-Fi. B\u011b\u017en\u00fd platebn\u00ed termin\u00e1l obchodn\u00edka v\u0161ak pot\u0159ebuje p\u0159\u00edstup k akceptantovi nebo zpracovateli plateb, aby mohl po\u017e\u00e1dat o online autorizaci. N\u011bkter\u00e1 platebn\u00ed prost\u0159ed\u00ed mohou za ur\u010dit\u00fdch podm\u00ednek podporovat omezen\u00e9 offline zpracov\u00e1n\u00ed, odlo\u017een\u00e9 zpracov\u00e1n\u00ed nebo zpracov\u00e1n\u00ed typu \u201estore-and-forward\u201c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co se skr\u00fdv\u00e1 uvnit\u0159 bezkontaktn\u00ed bankovn\u00ed karty?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bezkontaktn\u00ed debetn\u00ed nebo kreditn\u00ed karta je speci\u00e1ln\u00ed bezkontaktn\u00ed \u010dipov\u00e1 karta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uvnit\u0159 plastov\u00e9 karty se nach\u00e1zej\u00ed dv\u011b d\u016fle\u017eit\u00e9 sou\u010d\u00e1sti: zabezpe\u010den\u00fd \u010dip a ant\u00e9na. Ant\u00e9na obvykle obep\u00edn\u00e1 velkou \u010d\u00e1st karty, aby mohla nav\u00e1zat spojen\u00ed s elektromagnetick\u00fdm polem generovan\u00fdm termin\u00e1lem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cip obsahuje platebn\u00ed aplikaci a chr\u00e1n\u011bn\u00e9 \u00fadaje pot\u0159ebn\u00e9 pro platebn\u00ed transakce. Je schopen prov\u00e1d\u011bt kryptografick\u00e9 operace, a nefunguje tedy pouze jako jednoduch\u00e1 \u010diteln\u00e1 pam\u011b\u0165.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To tak\u00e9 vysv\u011btluje, pro\u010d po\u0161kozen\u00ed ant\u00e9ny m\u016f\u017ee znemo\u017enit bezkontaktn\u00ed platbu, i kdy\u017e viditeln\u00e9 kontakty \u010dipu na p\u0159edn\u00ed stran\u011b karty st\u00e1le funguj\u00ed. Kontaktn\u00ed platba prost\u0159ednictv\u00edm kovov\u00fdch kontakt\u016f a bezkontaktn\u00ed platba vyu\u017e\u00edvaj\u00ed k komunikaci s \u010dipem odli\u0161n\u00e1 fyzick\u00e1 rozhran\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je tedy bezkontaktn\u00ed bankovn\u00ed karta <a href=\"https:\/\/custom-rfid-tags.com\/cs\/custom-rfid-tags\/rfid-tags-by-feature\/nfc-tags\/\">Karta NFC<\/a>?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro b\u011b\u017en\u00e9 pou\u017eit\u00ed ano: jedn\u00e1 se o kartu, kter\u00e1 vyu\u017e\u00edv\u00e1 bezkontaktn\u00ed komunikaci NFC na frekvenci 13,56 MHz. P\u0159esn\u011bji \u0159e\u010deno, jde o zabezpe\u010denou platebn\u00ed \u010dipovou kartu ur\u010denou pro bezkontaktn\u00ed transakce podle standardu EMV, nikoli o univerz\u00e1ln\u00ed NFC \u0161t\u00edtek.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak\u00e9 informace se p\u0159i platb\u011b p\u0159es NFC vym\u011b\u0148uj\u00ed?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u011bkdy se \u0159\u00edk\u00e1, \u017ee bezkontaktn\u00ed karty prost\u011b \u201codes\u00edlaj\u00ed \u00fadaje o va\u0161\u00ed kart\u011b\u201d. Tento popis v\u0161ak opom\u00edj\u00ed nejd\u016fle\u017eit\u011bj\u0161\u00ed \u010d\u00e1st cel\u00e9ho procesu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u011bhem transakce mohou b\u00fdt p\u0159en\u00e1\u0161eny n\u011bkter\u00e9 platebn\u00ed \u00fadaje. Spole\u010dnost Visa nap\u0159\u00edklad uv\u00e1d\u00ed, \u017ee jej\u00ed bezkontaktn\u00ed karty mohou p\u0159en\u00e1\u0161et \u010d\u00edslo \u00fa\u010dtu, datum platnosti a jednor\u00e1zov\u00fd k\u00f3d, kter\u00fd se p\u0159i ka\u017ed\u00e9 transakci prov\u00e1d\u011bn\u00e9 osobn\u011b m\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u016fle\u017eit\u00e9 je rozli\u0161ovat mezi relativn\u011b statick\u00fdmi \u00fadaji o \u00fa\u010dtu a dynamick\u00fdmi bezpe\u010dnostn\u00edmi \u00fadaji o transakc\u00edch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dadaje o \u00fa\u010dtu identifikuj\u00ed platebn\u00ed \u00fa\u010det. Dynamicky generovan\u00e1 kryptografick\u00e1 hodnota pom\u00e1h\u00e1 vydavateli ur\u010dit, zda transakce poch\u00e1z\u00ed z platn\u00fdch platebn\u00edch \u00fadaj\u016f a zda jsou \u00fadaje o transakci platn\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zachycen\u00e1 bezkontaktn\u00ed transakce tedy neposkytuje jin\u00e9mu za\u0159\u00edzen\u00ed opakovan\u011b pou\u017eiteln\u00fd kryptogram, kter\u00fd by bylo mo\u017en\u00e9 jednodu\u0161e znovu p\u0159edlo\u017eit p\u0159i nov\u00e9 bezkontaktn\u00ed transakci EMV. Bezpe\u010dnostn\u00ed hodnota je v\u00e1z\u00e1na na konkr\u00e9tn\u00ed transakci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To v\u0161ak neznamen\u00e1, \u017ee by se s platebn\u00edmi \u00fadaji m\u011blo zach\u00e1zet jako s \u00fadaji, kter\u00e9 nejsou citliv\u00e9. Znamen\u00e1 to, \u017ee bezpe\u010dnost bezkontaktn\u00edch plateb EMV nespo\u010d\u00edv\u00e1 pouze v utajen\u00ed \u010d\u00edsla karty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak funguj\u00ed platby pomoc\u00ed technologie NFC na telefonech a chytr\u00fdch hodink\u00e1ch<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Telefon m\u016f\u017ee komunikovat se stejn\u00fdm typem bezkontaktn\u00edho platebn\u00edho termin\u00e1lu, ale nemus\u00ed nutn\u011b p\u0159edkl\u00e1dat stejn\u00e9 platebn\u00ed \u00fadaje jako fyzick\u00e1 karta ulo\u017een\u00e1 ve va\u0161\u00ed pen\u011b\u017eence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mobiln\u00ed pen\u011b\u017eenky b\u011b\u017en\u011b vyu\u017e\u00edvaj\u00ed tokenizaci plateb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e se nap\u0159\u00edklad do slu\u017eby Google Pay p\u0159id\u00e1 kompatibiln\u00ed karta, lze do za\u0159\u00edzen\u00ed p\u0159i\u0159adit token za\u0159\u00edzen\u00ed, naz\u00fdvan\u00fd tak\u00e9 DPAN nebo virtu\u00e1ln\u00ed \u010d\u00edslo \u00fa\u010dtu. Spole\u010dnost Google uv\u00e1d\u00ed, \u017ee p\u0159i platb\u011b p\u0159es NFC se do termin\u00e1lu odes\u00edl\u00e1 pr\u00e1v\u011b tento token za\u0159\u00edzen\u00ed nam\u00edsto skute\u010dn\u00e9ho prim\u00e1rn\u00edho \u010d\u00edsla \u00fa\u010dtu karty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apple Pay vyu\u017e\u00edv\u00e1 podobn\u00fd p\u0159\u00edstup v\u00e1zan\u00fd na konkr\u00e9tn\u00ed za\u0159\u00edzen\u00ed. Spole\u010dnost Apple uv\u00e1d\u00ed, \u017ee \u010d\u00edslo \u00fa\u010dtu za\u0159\u00edzen\u00ed (Device Account Number) je ulo\u017eeno v bezpe\u010dnostn\u00edm \u010dipu (Secure Element) za\u0159\u00edzen\u00ed a pou\u017e\u00edv\u00e1 se spole\u010dn\u011b s dynamick\u00fdmi bezpe\u010dnostn\u00edmi \u00fadaji specifick\u00fdmi pro danou transakci. Skute\u010dn\u00e9 \u010d\u00edslo platebn\u00ed karty nen\u00ed b\u011bhem transakce p\u0159es Apple Pay ze za\u0159\u00edzen\u00ed odes\u00edl\u00e1no.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Obecn\u00fd postup p\u0159i platb\u011b je st\u00e1le stejn\u00fd:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Telefon \u2192 platebn\u00ed termin\u00e1l s technologi\u00ed NFC \u2192 platebn\u00ed s\u00ed\u0165 \u2192 vydavatel<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zm\u011bna se t\u00fdk\u00e1 p\u0159ihla\u0161ovac\u00edch \u00fadaj\u016f p\u0159edlo\u017een\u00fdch za\u0159\u00edzen\u00edm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Telefony a hodinky mohou rovn\u011b\u017e umo\u017e\u0148ovat ov\u011b\u0159en\u00ed dr\u017eitele karty p\u0159\u00edmo na \u00farovni za\u0159\u00edzen\u00ed. V z\u00e1vislosti na za\u0159\u00edzen\u00ed a pen\u011b\u017eence se u\u017eivatel m\u016f\u017ee p\u0159ed pou\u017eit\u00edm platebn\u00edch \u00fadaj\u016f ov\u011b\u0159it pomoc\u00ed Face ID, otisku prstu, p\u0159\u00edstupov\u00e9ho k\u00f3du nebo jin\u00e9 schv\u00e1len\u00e9 metody.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rozhran\u00ed NFC tak z\u016fst\u00e1v\u00e1 pouze jednou ze slo\u017eek mobiln\u00edch plateb. V pozad\u00ed funguj\u00ed zabezpe\u010den\u00fd hardware, p\u0159id\u011blov\u00e1n\u00ed token\u016f, ov\u011b\u0159ov\u00e1n\u00ed u\u017eivatel\u016f a zpracov\u00e1n\u00ed v platebn\u00ed s\u00edti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Je p\u0159i bezkontaktn\u00ed platb\u011b v\u017edy nutn\u00e9 zadat PIN?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ne. To, zda je vy\u017eadov\u00e1n PIN nebo jin\u00e1 metoda ov\u011b\u0159en\u00ed dr\u017eitele karty, z\u00e1vis\u00ed na faktorech, jako je \u010d\u00e1stka transakce, pravidla vydavatele, konfigurace termin\u00e1lu, pravidla platebn\u00ed s\u00edt\u011b a m\u00edstn\u00ed p\u0159edpisy. Bezkontaktn\u00ed transakce kartou m\u016f\u017ee n\u011bkdy vy\u017eadovat, aby z\u00e1kazn\u00edk zadal PIN. Na telefonu nebo chytr\u00fdch hodink\u00e1ch m\u016f\u017ee \u00fasp\u011b\u0161n\u00e9 biometrick\u00e9 ov\u011b\u0159en\u00ed nebo ov\u011b\u0159en\u00ed pomoc\u00ed p\u0159\u00edstupov\u00e9ho k\u00f3du slou\u017eit jako metoda ov\u011b\u0159en\u00ed dr\u017eitele karty pomoc\u00ed spot\u0159ebitelsk\u00e9ho za\u0159\u00edzen\u00ed (Consumer Device Cardholder Verification Method, b\u011b\u017en\u011b ozna\u010dovan\u00e1 jako CDCVM).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Platebn\u00ed karty s technologi\u00ed NFC vs. standardn\u00ed NFC tagy<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bezkontaktn\u00ed bankovn\u00ed karta a standardn\u00ed <a href=\"https:\/\/custom-rfid-tags.com\/cs\/custom-rfid-tags\/rfid-tags-by-feature\/nfc-tags\/\">NFC tag<\/a> Ob\u011b mohou vys\u00edlat na frekvenci 13,56 MHz, ale jejich schopnosti se zna\u010dn\u011b li\u0161\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Funkce<\/strong><\/td><td><strong>Bezkontaktn\u00ed platebn\u00ed karta<\/strong><\/td><td><strong>Standardn\u00ed NFC \u0161t\u00edtek<\/strong><\/td><\/tr><tr><td>Hlavn\u00ed \u00fa\u010del<\/td><td>Finan\u010dn\u00ed transakce<\/td><td>Ukl\u00e1dat nebo poskytovat data NFC<\/td><\/tr><tr><td>Typick\u00e1 komunikace<\/td><td>Bezkontaktn\u00ed \/ kompatibiln\u00ed s technologi\u00ed NFC<\/td><td>NFC<\/td><\/tr><tr><td>Spole\u010dn\u00e1 data<\/td><td>Platebn\u00ed \u00fadaje a \u00fadaje o transakc\u00edch<\/td><td>URL adresy, text, identifik\u00e1tory, data aplikac\u00ed<\/td><\/tr><tr><td>Kryptografie v oblasti plateb<\/td><td>Kryptografie plateb EMV<\/td><td>Obvykle nen\u00ed podporov\u00e1no<\/td><\/tr><tr><td>Platebn\u00ed \u00fadaje<\/td><td>Vyd\u00e1no prost\u0159ednictv\u00edm platebn\u00ed infrastruktury<\/td><td>Na b\u011b\u017en\u00fdch zna\u010dk\u00e1ch se nevyskytuje<\/td><\/tr><tr><td>Typick\u00e9 p\u0159\u00edklady<\/td><td>Debetn\u00ed a kreditn\u00ed karty<\/td><td>NTAG213, NTAG215, NTAG216<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Standardn\u00ed \u010dipy NFC, jako jsou NTAG213, NTAG215 a NTAG216, jsou tagy typu 2 podle specifikace NFC Forum. Disponuj\u00ed u\u017eivatelskou pam\u011bt\u00ed pro aplikace, jako je inteligentn\u00ed reklama, interakce s produkty, ov\u011b\u0159ov\u00e1n\u00ed a dal\u0161\u00ed funkce vyu\u017e\u00edvaj\u00edc\u00ed technologii NFC. Podporuj\u00ed datov\u00e9 struktury NDEF, kter\u00e9 dok\u00e1\u017eou \u010d\u00edst kompatibiln\u00ed telefony.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nap\u0159\u00edklad \u010dip NTAG213 m\u016f\u017ee obsahovat URL adresu, jako je nap\u0159\u00edklad:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/example.com\/pay\/order123<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jakmile z\u00e1kazn\u00edk klepne na \u0161t\u00edtek, v telefonu se otev\u0159e p\u0159\u00edslu\u0161n\u00e1 str\u00e1nka a z\u00e1kazn\u00edk m\u016f\u017ee pokra\u010dovat k online pokladn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NFC \u0161t\u00edtek pomohl zah\u00e1jit platebn\u00ed proces, ale samotn\u00fd \u0161t\u00edtek neprovedl transakci pomoc\u00ed bankovn\u00ed karty v standardu EMV. Pouze poskytl data, kter\u00e1 nasm\u011brovala telefon k platebn\u00ed slu\u017eb\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stejn\u00fd princip lze vyu\u017e\u00edt v restaurac\u00edch, samoobslu\u017en\u00fdch kiosc\u00edch, p\u0159i balen\u00ed v\u00fdrobk\u016f, v syst\u00e9mech pro po\u0159\u00e1d\u00e1n\u00ed akc\u00ed nebo v dal\u0161\u00edch aplikac\u00edch, kde je t\u0159eba pomoc\u00ed klepnut\u00ed propojit fyzick\u00fd p\u0159edm\u011bt s online platebn\u00ed str\u00e1nkou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u011bkter\u00e9 organizace tak\u00e9 vyu\u017e\u00edvaj\u00ed bezkontaktn\u00ed karty nebo za\u0159\u00edzen\u00ed v uzav\u0159en\u00fdch syst\u00e9mech, kde identifika\u010dn\u00ed prost\u0159edek identifikuje \u00fa\u010det v r\u00e1mci vlastn\u00ed platformy dan\u00e9 organizace. V hromadn\u00e9 doprav\u011b, v syst\u00e9mech na univerzitn\u00edch kampusech, v syst\u00e9mech s p\u0159edplacen\u00fdm kreditem a v podobn\u00fdch aplikac\u00edch se mohou pou\u017e\u00edvat v\u00fdkonn\u011bj\u0161\u00ed a bezpe\u010dn\u011bj\u0161\u00ed bezkontaktn\u00ed \u010dipy. Tyto syst\u00e9my by se v\u0161ak nem\u011bly zam\u011b\u0148ovat s vyd\u00e1v\u00e1n\u00edm b\u011b\u017en\u00fdch bankovn\u00edch karet, kter\u00e9 funguj\u00ed v s\u00edt\u00edch Visa, Mastercard nebo v jin\u00fdch otev\u0159en\u00fdch platebn\u00edch s\u00edt\u00edch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak jsou zabezpe\u010deny platby pomoc\u00ed technologie NFC?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bezpe\u010dnost bezkontaktn\u00edch plateb je zalo\u017eena na platebn\u00edch p\u0159ihla\u0161ovac\u00edch \u00fadaj\u00edch a kryptografick\u00e9 v\u00fdm\u011bn\u011b, nikoli pouze na kr\u00e1tk\u00e9m dosahu technologie NFC.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kryptogramy specifick\u00e9 pro jednotliv\u00e9 transakce<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Transakce s \u010dipem EMV generuj\u00ed bezpe\u010dnostn\u00ed data pro jednotliv\u00e9 transakce. Spole\u010dnost EMVCo popisuje kryptogram jako jednor\u00e1zovou hodnotu, kter\u00e1 pom\u00e1h\u00e1 vydavateli a termin\u00e1lu ov\u011b\u0159it transakci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud n\u011bkdo zaznamen\u00e1 jednu platnou transakci, nelze tuto kryptografickou hodnotu jednodu\u0161e znovu pou\u017e\u00edt jako platn\u00fd kryptogram pro jinou transakci.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Chr\u00e1n\u011bn\u00e9 kryptografick\u00e9 kl\u00ed\u010de<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kl\u00ed\u010de pou\u017e\u00edvan\u00e9 k generov\u00e1n\u00ed platn\u00fdch platebn\u00edch kryptogram\u016f jsou chr\u00e1n\u011bny v r\u00e1mci platebn\u00edch p\u0159ihla\u0161ovac\u00edch \u00fadaj\u016f, m\u00edsto aby byly p\u0159i ka\u017ed\u00e9m na\u010dten\u00ed karty p\u0159en\u00e1\u0161eny otev\u0159en\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vydavatel nebo platebn\u00ed s\u00ed\u0165 mohou p\u0159i zpracov\u00e1n\u00ed transakce pou\u017e\u00edt p\u0159\u00edslu\u0161n\u00e9 informace k ov\u011b\u0159en\u00ed kryptogramu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tokenizace na mobiln\u00edch za\u0159\u00edzen\u00edch<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mobiln\u00ed pen\u011b\u017eenky p\u0159id\u00e1vaj\u00ed dal\u0161\u00ed \u00farove\u0148 zabezpe\u010den\u00ed t\u00edm, \u017ee nahrazuj\u00ed prim\u00e1rn\u00ed \u010d\u00edslo \u00fa\u010dtu fyzick\u00e9 karty platebn\u00edm tokenem specifick\u00fdm pro dan\u00e9 za\u0159\u00edzen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Slu\u017eby Apple Pay i Google Pay vyu\u017e\u00edvaj\u00ed pro podporovan\u00e9 bezkontaktn\u00ed platby platebn\u00ed \u00fadaje v\u00e1zan\u00e9 na konkr\u00e9tn\u00ed za\u0159\u00edzen\u00ed. V p\u0159\u00edpad\u011b ztr\u00e1ty t\u011bchto \u00fadaj\u016f tedy nen\u00ed nutn\u00e9 sd\u011blovat p\u016fvodn\u00ed \u010d\u00edslo karty, kter\u00e1 slou\u017eila k dobit\u00ed \u00fa\u010dtu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b d\u00edky t\u00e9to kombinaci bezpe\u010dn\u00fdch p\u0159ihla\u0161ovac\u00edch \u00fadaj\u016f, dynamick\u00fdch transak\u010dn\u00edch dat a ov\u011b\u0159en\u00ed vydavatele by se platba prost\u0159ednictv\u00edm technologie NFC nem\u011bla ch\u00e1pat jako pouh\u00e9 naskenov\u00e1n\u00ed bankovn\u00ed karty \u010dte\u010dkou a bezv\u00fdhradn\u00e9 d\u016fv\u011bry v jak\u00e9koli \u010d\u00edslo, kter\u00e9 \u010dte\u010dka obdr\u017e\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kde se pou\u017e\u00edvaj\u00ed platby pomoc\u00ed technologie NFC?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Stejn\u00fd z\u00e1kladn\u00ed postup bezkontaktn\u00ed platby lze pou\u017e\u00edt kdekoli, kde je k dispozici kompatibiln\u00ed platebn\u00ed termin\u00e1l a platebn\u00ed infrastruktura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nejzn\u00e1m\u011bj\u0161\u00edmi p\u0159\u00edklady jsou maloobchodn\u00ed prodejny a restaurace. Bezkontaktn\u00ed termin\u00e1ly se b\u011b\u017en\u011b pou\u017e\u00edvaj\u00ed tak\u00e9 v prodejn\u00edch automatech, parkovac\u00edch syst\u00e9mech, samoobslu\u017en\u00fdch kiosc\u00edch a dal\u0161\u00edch bezobslu\u017en\u00fdch platebn\u00edch m\u00edstech.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00ed v\u00fdznamnou oblast\u00ed vyu\u017eit\u00ed je ve\u0159ejn\u00e1 doprava. N\u011bkter\u00e9 syst\u00e9my p\u0159ij\u00edmaj\u00ed b\u011b\u017en\u00e9 bezkontaktn\u00ed bankovn\u00ed karty nebo mobiln\u00ed pen\u011b\u017eenky p\u0159\u00edmo u turniketu. Tyto syst\u00e9my se \u010dasto ozna\u010duj\u00ed jako syst\u00e9my s otev\u0159enou smy\u010dkou, proto\u017ee vyu\u017e\u00edvaj\u00ed st\u00e1vaj\u00edc\u00ed platebn\u00ed \u00fadaje vydan\u00e9 bankou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00ed syst\u00e9my v oblasti dopravy, na akademick\u00e9m are\u00e1lu, v pohostinstv\u00ed a v provozovn\u00e1ch vyd\u00e1vaj\u00ed vlastn\u00ed karty \u010di pr\u016fkazy. Jedn\u00e1 se o <strong>uzav\u0159en\u00e1 smy\u010dka<\/strong> syst\u00e9my, v nich\u017e oper\u00e1tor spravuje p\u0159ihla\u0161ovac\u00ed \u00fadaje a k nim pat\u0159\u00edc\u00ed \u00fa\u010det.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ob\u011b mohou vyu\u017e\u00edvat bezkontaktn\u00ed technologii, ale finan\u010dn\u00ed syst\u00e9m, na kter\u00e9m je tato technologie zalo\u017eena, ur\u010duje, co karta nebo za\u0159\u00edzen\u00ed skute\u010dn\u011b dok\u00e1\u017ee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Z\u00e1v\u011br<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Technologie NFC zaji\u0161\u0165uje bezdr\u00e1tov\u00e9 p\u0159ipojen\u00ed, kter\u00e9 umo\u017e\u0148uje kart\u011b, telefonu nebo chytr\u00fdm hodink\u00e1m komunikovat s platebn\u00edm termin\u00e1lem. Platebn\u00ed \u010dip nebo mobiln\u00ed pen\u011b\u017eenka poskytuj\u00ed bezpe\u010dn\u00e9 p\u0159ihla\u0161ovac\u00ed \u00fadaje, termin\u00e1l p\u0159ed\u00e1 transakci do finan\u010dn\u00ed s\u00edt\u011b a vydavatel rozhodne, zda ji autorizuje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toto rozd\u011blen\u00ed rol\u00ed je d\u016fle\u017eit\u00e9 i p\u0159i v\u00fdb\u011bru technologie NFC pro konkr\u00e9tn\u00ed projekt. Programovateln\u00fd NFC tag m\u016f\u017ee z\u00e1kazn\u00edka p\u0159esm\u011brovat na platebn\u00ed str\u00e1nku nebo k jin\u00e9 digit\u00e1ln\u00ed slu\u017eb\u011b, zat\u00edmco p\u0159\u00edm\u00e1 platba bankovn\u00ed kartou vy\u017eaduje zabezpe\u010den\u00e9 p\u0159ihla\u0161ovac\u00ed \u00fadaje a infrastrukturu specializovan\u00e9ho platebn\u00edho syst\u00e9mu.<\/p>","protected":false},"excerpt":{"rendered":"<p>NFC payment allows you to pay by holding a contactless bank card, phone, or smartwatch close to a compatible payment [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":16314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"right-sidebar","site-content-layout":"","ast-site-content-layout":"normal-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-16257","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/posts\/16257","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/comments?post=16257"}],"version-history":[{"count":9,"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/posts\/16257\/revisions"}],"predecessor-version":[{"id":16315,"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/posts\/16257\/revisions\/16315"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/media\/16314"}],"wp:attachment":[{"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/media?parent=16257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/categories?post=16257"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/cs\/wp-json\/wp\/v2\/tags?post=16257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}