Visa Europe plans credit card-cloaking that could pave way for Apple Pay

Visa Europe said on Tuesday it would offer a secure way for consumers to pay retailers with their smartphones while concealing credit card details, a move that could set the stage for Apple's Apple Pay and rival payment services to be introduced into Europe in coming months. Visa Europe said it would introduce to member banks by mid-April a "tokenisation" service, a technique which substitutes random numbers for a user's credit card number when a merchant transmits transactio