Like Apple Pay, the NFC-based system uses tokenisation, i.e. that when you tap your phone for a small payment your associated account details aren't transmitted
Android Pay contactless payments touch the UK
from ElectronicsWeekly http://www.electronicsweekly.com/blogs/eyes-on-android/general-eyes-on-android/android-pay-contactless-payments-touch-the-uk-2016-03/
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