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Smartphones aren't tiny PCs, but that's how we use them in the West

Charles 9 Silver badge

"What's not clear in all this is how the system guards against fake codes. I take it there must be some dynamic element in generating the code."

Probably by way of a one-time code. The phone sends the code to the bank, the store reads the barcode and sends that information along, the bank lines it up, and gives the OK to the store.

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