There may be cameras or "shoulder surfers" recording your PIN at an ATM or point of sale terminal. Cover up the keypad to foil the bad guys' plan.

可能会有摄像机或探头记录你在ATM机或销售终端机上输入个人身份号码，因此最好是遮住按键区以挫败坏蛋们的计划。

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The mobile payment system allows the use of any smartphone or iPad as a point-of-sale terminal and is aimed at small businesses.

FORBES: BofA Is Sick Of Square, Rolls Out New Mobile Payment System

Visa said Friday it created a program that will allow mobile-phone manufacturers, point-of-sale terminal makers and other companies to more quickly certify their products under the card company's security standards.

WSJ: Card Networks Take on Plastic With Mobile Platforms

The companies used an unspecified infrared-equipped Palm device and a Toshiba Libretto, which beamed requests for check authorizations to a point-of-sale terminal, in this case a VeriFone Tranz 330 that was retrofitted with an infrared device from ACTiSYS and a custom cable from CrossCheck.

CNN: Infrared payment could replace credit and debit cards