Apple Pay

Mobile wallets are here, and Apple is revolutionizing the payment process with the release of Apple Pay. Using an iPhone 6 or iPhone 6 , payments can be made by storing tokenized debit card and credit card information in Passbook and communicating to payment systems using near field communication (NFC). It’s simple, secure, and private.


Making a payment is as simple as having the customer place their iPhone near a contactless reader with their finger on Touch ID. The phone never leaves the owner’s hand and there’s no need to open an app or wake the display. Customers will add their credit and debit cards from their iTunes account directly to Passbook.


Card data is assigned a unique Device Account Number, encrypted and securely stored within a dedicated chip on the iPhone. Actual card numbers are never stored. Instead, a transaction-specific dynamic security code called a token is created that allows the transaction to be authenticated. The actual credit or debit card is never transmitted, which is safer for the business and the customer.


Additional layers of privacy will help ensure that cardholder data is protected. Apple Pay doesn’t store the details of transactions, and because customers will not have to show their credit or debit cards, they won’t reveal their name, card number, or security code. 

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