Eavesdropping Near Field Contactless Payments: A Quantitative Analysis

This paper presents an assessment of how successful an eavesdropping attack on a contactless payment transaction can be in terms of bit and frame error rates, using an easily concealable antenna and low-cost electronics. Potential success of an eavesdropping attack largely depends on the correct recovery of the data frames used in the ISO 14443 standard. A near-field communication inductive loop antenna was used to emulate an ISO 14443 transmission. For eavesdropping, an identical inductive loop antenna as well as a shopping trolley modified to act like an antenna were used. The authors present and analyse frame error rates obtained with the authors equipment over a range of distances, up to 100 cm, well above the official maximum operating distance depending on the magnetic field strength.