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  • Meet Apple Pay, Apple's New Mobile Payments Solution


    According to Apple CEO Tim Cook, the mobile payments problem is exactly the type of problem Apple likes -- because it knows how to solve it.

    Focusing everything on the user experience, Apple has just rolled out its inaugural mobile payments solution -- Apple Pay.

    Apple Pay is built into every new iPhone 6 and iPhone 6 Plus. How does it work? An NFC radio antenna is built in across the top of the device.

    “We have security integrated throughout both hardware and software in a way only Apple can,” Apple's Eddy Cue announced.

    Cue explained today that when you add a credit card to Passbook, its number is never stored or shared on your device or Apple servers. You simply pay "with the simple touch of your finger using Touch ID."

    To add an additional credit card, all you need to do is use your iSight camera to photograph it. "To get started with Apple Pay, you can simply add a card from your iTunes account," Apple explains on its live blog.

    Apple Pay, we're told is "easy, secure, and private.”

    For starters, Apple has teamed with American Express, MasterCard and Visa. Additionally, the six biggest issuing banks in the U.S. are on board. Right off the bat, the mobile payments platform will work at more than 200,000 locations.

    The bottom line? Apple is promising secure, fast and reliable one-touch payments with iPhone 6 and iPhone 6 Plus.

    Source: Apple
    This article was originally published in forum thread: Meet Apple Pay, Apple's New Mobile Payments Solution started by Michael Essany View original post
    Comments 4 Comments
    1. fleurya's Avatar
      fleurya -
      So I think they mentioned this works with the Apple Watch, but if you have to use Touch ID to activate/authorize the payment, how do you do that with the Watch? Do you still need to use Touch ID with a watch payment, or do you really need touch Id at all??

      Also, if it works with Touch ID, does that mean non-NFC 5/5S iPhones can use the mobile payment option too??

      I personally don’t care about the mobile payment system and don’t plan to get the 6 or the watch, but it seems like a lot of ambiguity and unanswered questions.
    1. Perlova's Avatar
      Perlova -
      To me, this was more exciting news than the Apple Watch or new iPhones. Finally a potential for a truly secure payment system. Too bad it can't be retrofited to the 5 and 5s. Perhaps an NFC dongle may work with the older non-NFC devices?
    1. SpiderManAPV's Avatar
      SpiderManAPV -
      Quote Originally Posted by Perlova View Post
      To me, this was more exciting news than the Apple Watch or new iPhones. Finally a potential for a truly secure payment system. Too bad it can't be retrofited to the 5 and 5s. Perhaps an NFC dongle may work with the older non-NFC devices?
      That would be nice, but I tend to doubt it will happen.
    1. CZroe's Avatar
      CZroe -
      Quote Originally Posted by fleurya View Post
      So I think they mentioned this works with the Apple Watch, but if you have to use Touch ID to activate/authorize the payment, how do you do that with the Watch? Do you still need to use Touch ID with a watch payment, or do you really need touch Id at all??

      Also, if it works with Touch ID, does that mean non-NFC 5/5S iPhones can use the mobile payment option too??

      I personally don’t care about the mobile payment system and don’t plan to get the 6 or the watch, but it seems like a lot of ambiguity and unanswered questions.
      I'm sure it will remember your authentication from the first time you used TouchID or alternately authenticated through your phone. It will be as secure and convenient because it will remember that the wearer was authenticated until you take the watch off. It probably uses the heartrate monitor to tell when you take it off.

      Quote Originally Posted by Perlova View Post
      To me, this was more exciting news than the Apple Watch or new iPhones. Finally a potential for a truly secure payment system. Too bad it can't be retrofited to the 5 and 5s. Perhaps an NFC dongle may work with the older non-NFC devices?
      It has been retrofitted to the 5S with a wireless NFC dongle called the Apple Watch. If they have an alternate way to authenticate without TouchID, it could work on 5 and 5C as well.

      Quote Originally Posted by SpidermanAPV View Post
      That would be nice, but I tend to doubt it will happen.
      It may have already happened. Apple Watch essentially adds NFC to older iPhones. If they have an alternate way to authenticate Apple Pay without TouchID, it will even work on 5 and 5C.