Andrew, happy to walk you through it a little here.
What happens is you enter your card data in to your phone. Apple does not know
about and or have access to this data it’s only located in your phone. When
you enter your card data your bank is contacted and a relationship is
established between your bank and your phone because you’ve entered and
verified your card. Your card is still only located in the phone in an
encrypted highly secure data store.
Now say you want to pay for something. You tap your phone against the
reader or set it on the reading platform and a one time session is set up using
near field communications between your phone and the point of sale terminal. A
one time code is generated verifying with your bank over the network that your
card is valid and the transaction is approved. At no point was your actual
card sent over the network rather a one time factor is generated. Even if I’m
a bad guy and grab this code on the wire somewhere it makes no difference
because once it’s used it’s no longer valid. Unlike when you use the numbers
on your card that are always unchanging and valid this one time system makes
things extremely secure because there’s nothing valuable in the transaction to
intercept. This is such a good system in fact that companies like Bank of
America are ditching their ATM cards in exchange for using this technology in
your phone at the ATM.
Google’s payment product works the same way if anyone is curious. Let
me know if you have any more specific questions on the process, would be happy
to shed some light on it for you if I can.
Thanks
> On Sep 11, 2016, at 8:49 AM, Andrew Lamanche <ioani...@me.com> wrote:
>
> Hello,
>
> I’ve read and thought quite a bit about using Apple pay in the UK. I still
> do not understand how it would work, both online and in shops. Would anyone
> mind describing it a little in practical terms?
>
> Many thanks
>
> Andrew
>> On 11 Sep 2016, at 02:36, Jonathan C. Cohn <jon.c.c...@gmail.com
>> <mailto:jon.c.c...@gmail.com>> wrote:
>>
>> I will feel a lot safer with ApplePay!
>>
>> Best wishes,
>>
>> Jonathan Cohn
>>
>> On Sep 10, 2016, at 6:55 PM, Christopher-Mark Gilland <clgillan...@gmail.com
>> <mailto:clgillan...@gmail.com>> wrote:
>>
>>> I dono, maybe I'm just weird, but after in 2006 being frauded over 12K, I
>>> am incredibly leery about this sort of thing. Maybe I shouldn't be, but...
>>> passwords... that's one thing, but I do not! and will not! store credit
>>> card or any sort of financial banking stuff. I think it's all just in how
>>> much you trust. Me? I don't, but that's life.
>>> ---
>>> Christopher Gilland
>>> JAWS Certified, 2016.
>>> Training Instructor.
>>>
>>> clgillan...@gmail.com <mailto:clgillan...@gmail.com>
>>> Phone: (704) 256-8010.
>>> ----- Original Message -----
>>> From: Alex Hall <mailto:mehg...@icloud.com>
>>> To: 'Chris Blouch' via MacVisionaries
>>> <mailto:macvisionaries@googlegroups.com>
>>> Sent: Saturday, September 10, 2016 6:52 PM
>>> Subject: Re: Safari & credit cards
>>>
>>> I, too, use iCloud Keychain to store this kind of data. If you trust a
>>> third-party, cross-platform solution like One Password or Last Pass, iCloud
>>> is as good or better in terms of security. I have a strong password and two
>>> factor authentication enabled, so feel as secure as any technology can make
>>> me in using iCloud Keychain.
>>>> On Sep 10, 2016, at 18:42, Andrew McKay <awmc...@gmail.com
>>>> <mailto:awmc...@gmail.com>> wrote:
>>>>
>>>> I store credit cards in ICloud. Keychain has industry best encryption. It
>>>> is safe/safer than third party options.
>>>>
>>>> -----Original Message-----
>>>> From: macvisionaries@googlegroups.com
>>>> <mailto:macvisionaries@googlegroups.com>[mailto:macvisionaries@googlegroups.com
>>>> <mailto:macvisionaries@googlegroups.com>] On Behalf Of Traci Duncan
>>>> Sent: Saturday, September 10, 2016 6:27 PM
>>>> To: macvisionaries@googlegroups.com
>>>> <mailto:macvisionaries@googlegroups.com>
>>>> Subject: Safari & credit cards
>>>>
>>>> Hi all,
>>>>
>>>> Who’s comfortable storing their credit card info in Safari for autofill
>>>> check out while shopping? How secure is this on the Mac? Any tips or
>>>> advice for or against?
>>>>
>>>> Thank you,
>>>> Traci
>>>>
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>>>
>>>
>>> --
>>> Have a great day,
>>> Alex Hall
>>> mehg...@icloud.com <mailto:mehg...@icloud.com>
>>>
>>>
>>>
>>>
>>>
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