Discover how the iPhone 6 combines NFC, Touch ID and built-in security
1 Cards are loaded into the iPhone’s Passbook app either by scanning with the camera or by typing details in manually.Each new card must be confirmed separately with the issuing bank to activate payment information links.
Selecting a card
2 To make a purchase,the shopper selects the card they want to use from within Passbook. Each stored card has been assigned a unique 16-digit Device Account Number,an encrypted token used in place of the real card number.
Identity protection
3 Unlike handing over a plastic payment card, when a shopper chooses to pay for their goods or service using Apple Pay,their personal identity and card number are kept completely private.
Authorising payment
Touch ID confirmation
Purchase completed
Selecting a card
2 To make a purchase,the shopper selects the card they want to use from within Passbook. Each stored card has been assigned a unique 16-digit Device Account Number,an encrypted token used in place of the real card number.
Identity protection
3 Unlike handing over a plastic payment card, when a shopper chooses to pay for their goods or service using Apple Pay,their personal identity and card number are kept completely private.
Authorising payment
4 The shopper taps their iPhone – with card selected – to the merchant’s NFC payment terminal and authorises the payment by placing their finger on their phone’s Touch ID fingerprint scanner.
Touch ID confirmation
5 Successful Touch ID authentication prompts the iPhone’s Secure Element chip to release the card’s unique Device Account Number, along with a transaction-specific dynamic security code that is used to process the payment.
Purchase completed
6 Confirmation that the transaction has been processed appears on screen and a subtle vibration and beep lets them know the transaction is complete. This is useful if the shopper has already pocketed their phone.
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