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Monday, November 10, 2014 24:06 pm

 

Mobile payments can be one of the technologies that will mark 2015 with Apple’s proprietary system, can contribute strongly to this mass.

But what is the Apple Pay? What does this new technology mean for your money – and for your safety

Apple Pay – what you need

At the hardware level , you need a recent version of the iPhone or iPad – ie you must have an iPhone 6, iPhone 6 Plus or one of the new iPads. You also need a valid credit card (credit or debit) registered in a US bank that works with Apple Pay

iphone-6

It should be noted that Apple uses to Pay Passbook application, which comes pre-installed on all iPhones and iPads compatible.

Where are the data stored

Unlike competing systems, such as Google Wallet, Apple Pay stores no information card or phone on Apple’s servers (Google Wallet stores details on Google’s servers).

The key to this is the “tokenization,” which replaces key elements (credit card or debit card numbers, in this case) for different data generated by the bank. This allows Apple to work seamlessly with existing payment systems, without compromising private data.

How to add new cards

To work add a card to the Apple Pay can scan it through the camera of the iPhone 6 or enter the number.

Please note that if you use the camera, the image is not saved in the camera application or photos from your phone’s library, being sent in encrypted form.

The card number of your bank is never stored on your phone or on Apple’s servers. Instead, the bank generates an account number for the device, which is safely stored on your iPhone or iPad – a separate chip operating system. The contents of the security features are never copied to iCloud or anywhere else.

When you add a card, the bank asks you to do a scan using a system of two-factor authentication, which varies with the bank and type of card.

Can I be a victim of data leakage?

The Apple Pay was developed with a number of safety systems to prevent data falling in a potential data leakage. – or avoid using it determinais modificais in stores that may try to take over the payment of user credentials

To enable Apple Pay in store you must place the device within inches of a terminal and then manually select and activate a card payment using PIN code or Touch ID. The system can not make manual payments without this element.

When you pay through Pay an Apple store, does not provide the number of credit or debit card. Instead, it transmits the account number associated with the device and generated by your bank. As the number is associated with a particular device and a specific card can not be removed from your smartphone or tablet and used by someone else.

Payment applications

The Apple Pay is not closed to commercial ecosystem own Apple’s iPhone – can also make payments to other companies within e-commerce applications. Starbucks, Stubhub, Ticketmaster and Disney are among the companies that have signed up to use the Apple Pay

applepaypaywithinapps

As payments to the shops, there are extra layers of protection to protect card data when making purchases -. the device transmits the account number of the devices instead of your card number

The information of the transactions were registered

Apple has said that privacy is paramount at Apple Pay – and therefore, the system does not store information about shopping for advertising purposes, whether anonymously or not.

Profits for Apple come through the fee charged to the partners involved in this payment system, instead of making money with data obtained from customers.

The Apple Pay will work on Apple Watch?

Yes, the payment system will work on Apple and Apple Watch a very simple way, according to the manufacturer. But to date, further details are unknown.

Watch Apple store at Colette, Paris, France - 30 Sep 2014

with banks that run the Apple Pay?

For now, Apple Pay only works with some US banks and some debit and specific credit cards.

Here are some of them:

American Express

Bank Of America Capital One Chase

Citi
Wells Fargo
Barclays
Navy Federal Credit Union PNC

US Bank USAA



Bruno Fonseca

Founder of Leak, debuted online in 1999 when he created CDRW.co.pt. Took the first steps in the world of technology with Spectrum 48K and never dropped the computers. Are you hooked on mobile phones, tablets and gadgets

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