I’d assume so, but more importantly, for both, there’s a cryptographic signature being performed by the card. The credentials never leave the card — there’s a private key on the card, and what goes out is a signature on the transaction, which is useless for doing other transactions.
That’s not true for all cards, at the very least. Skimming wirelessly by RFID is or was a thing. The whole backbone of the credit card system is designed to expect the number.
Does smartcard and wireless actually have an encryption layer of some kind?
I’d assume so, but more importantly, for both, there’s a cryptographic signature being performed by the card. The credentials never leave the card — there’s a private key on the card, and what goes out is a signature on the transaction, which is useless for doing other transactions.
That’s not true for all cards, at the very least. Skimming wirelessly by RFID is or was a thing. The whole backbone of the credit card system is designed to expect the number.