A Comprehensive Outline of the Security Behind Apple Pay

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apple has described new apple pay payments service, designed first step towards company's goal of replacing wallet, "easy, secure, , private." apple pay includes several different features offer customers greater security traditional credit card, including device account numbers replace credit card numbers, dynamic security codes each transaction, , biometric payment verification through use of touch id.

ahead of release of apple pay, tuaw's yoni heisler has taken in-depth look @ security features built payments service, outlining ways apple safeguarding customer information.

while apple pay built on existing nfc technology, heisler's research suggests first implementation of emvco tokenization specification, newly introduced security framework designed cover emerging payment methods. according former credit card executive tom noyes, specification "the secure payments scheme on planet."

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as rumored, apple pay utilizes "token," company refers device account number, replace user's existing credit card number on iphone. randomized 16-digit number, device account number ensures no merchant able obtain user's credit card number, protecting consumers retail security breaches, tuaw points out, because tokens randomized numbers cannot decrypted credit card number.

device account numbers, or tokens, paired dynamically generated one-time use code replaces credit card's ccv every transaction.
as noted heisler, device account number can't used in transaction without accompanying one-time use cryptogram, verifies "token in transit originated device being used." cryptograms carry transaction information merchant's identity , amount of money being charged.

transaction comprising device account number , accompanying cryptogram further verified through use of touch id, replaces insecure verification methods passwords , pins.

according credit card executive spoke tuaw, token transactions implemented apple "are new , higher standard of security electronic payments."
apple pay expected go live in october, enabled through update ios 8. hints of apple pay have been found in ios 8.1 beta, seeded developers on monday. tuaw's full @ security behind apple pay, covers tokens, touch id, , more, well worth read.

article link: a comprehensive outline of security behind apple pay
 

a matter of time until someone's finger hacked off? and, didn't hack touch-id system?
 


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