September 2017 payment instrument Apple Pay. It turned 3 years. During this time, he managed to achieve incredible popularity in America, in Europe and above all in Asia. Statistics collected by the "Apple Company" affects: if you believe it, every second owner mobile phone In India, Thailand and Indonesia prefers Apple Pay. Apple Pay Geography is regularly expanding: at the end of 2017, you can pay for the purchase of this tool in such exotic places like Jersey and Guernsey Islands, and even in the Vatican.
Jennifer Bailey, Vice-President of Apple, declares that 98% of Apple Pay users are satisfied with the work of the mobile payment system - and all due to its simplicity and security. A user who still prefers to roll on Ping Pad card with a magnetic stripe, fit to try a new way - is the likelihood that he still does not want to return.
The principle of operation of Apple Pay is based on technology - wireless data transmission to short distances (maximum 20 cm). The system is digitized by the user's bank card and encrypts information by applying another important component - Secure Element chip. The information that is contained in the Secure Element memory is not sent anywhere - Apple also cannot access them.
Apple Pay includes other items:
- Secure Enclave. - responsible for authentication, fulfillment of payment transactions and storage of dactyloscopic data.
- Apple Pay Servers. - Server part of the payment system responsible for the state of maps entered in Wallet.
When the smartphone owner brings it to PIN Pad, there is a pair of 2 devices. They begin to exchange the so-called tokens - generated randomly sequences of numbers. If, knowing the token, pick up the key and correctly decrypt, you will get a bank card number. However, in fact, this task is almost impossible. It is worth noting that to intercept the token - also the case is not easy; The information is immediately removed after the conjugation breaks (that is, the transaction hits).
The note. Apple carefully hides information about the encryption algorithm - what is very angry by the special services different countries. However, the stubbornness of the company is justified - obviously, Apple understands that if it gives the key to someone, then will lose respect for users.
What devices support Apple Pay?
Apple Pay can be used by the following devices:
- iPhone 6th, 7th and 8th generations, as well as X and SE models.
- Ipad 4, Mini 3, Air 2 and Pro tablets.
- IWatch watches.
- Mac released after 2012.
Apple Pay will be able to configure on the 5th generation iPhones - however, in this case, it is without dispense.
How to connect Apple Pay?
First of all, you need to tie a bank card to the service. If the card is issued by Sberbank, it is necessary to act like this:
- Download, install and open the Sberbank online application.
- In the list of cards, select the appropriate and click " Apple Pay.».
- A window will appear on the screen offering Add a map to Apple Wallet. Click on the appropriate button - this is what you need.
- On the next screen, select the device to which Apple Pay Apple - iPhone or Watch Watch. Then at the stage " Adding a map»Press the" Further».
- Take " Terms of User Agreement».
- When the message appears on the screen Map added!", Press on" Ready" Now the card is tied to Apple Pay.
Similarly, you can bind to the payment system and another card. If maps are several, the management of them should be carried out in corporate application Wallet.
You can use the card bindings and without using the Bank's application - right in Wallet. Open the program. If the Apple Pay icon is present in the upper left corner, it means that the system is already activated. If not, follow in the settings section " Wallet & Apple Pay"And turn it on.
Then in the Wallet application click on " + "In the upper right corner, enter the maps data manually or take a picture of it. After that, the payment system must approve and remember the card.
If this message appears on the screen, it means that either you are trying to tie a bank card with which Apple Pay does not cooperate yet, or the card balance is less than 1 ruble. For 2017, the list of banks supporting payment apple system, already enough is extensive - it includes:
- Sberbank.
- VTB 24.
- Alfa Bank.
- Rosselkhozbank.
- Promsvyazbank.
- Raiffeisenbank.
- MTS Bank.
- Gazprombank.
- Tinkoff.
Also, all the cards "MegaFon", Beeline, Corn, Yandex.Money are tied to Epple Pei.
How to use Apple Pay?
To pay for the purchase by Apple Pay, it is enough to bring a gadget to Pin Pad and make a finger to the Touch ID, thus confirming the write-off of money.
You need to pay from Apple Watch somewhat differently: you should double-click on the button, which is located on the right end of the clock, and turn the device to the screen to PIN Pad. A characteristic sound will be heard - this means that payment has passed successfully.
If the purchase amount exceeds 1,000 rubles, it may be necessary to enter a PIN code or sign on the display.
The note. While payment on the gadget must be activated by the Internet - Mobile or Wi-Fi - for data exchange. If the iPhone is in the airport, pay the purchase will not work.
Many users are interested in such a question: is it possible to pay a commission for using Apple Pay? True, the Commission exists, but the percentage is obliged not to the owners of the devices, but banks and payment systems MasterCard and Visa - from each transaction 0.15%. Users themselves do not overpay anything.
Conclusion
"Apple" company continues to improve Apple Pei. With the yield in 2017, the owners of the iPhone appeared the opportunity to produce direct remittance. The service that allows you to do this is called Apple Pay Cash, it acts, alas, so far only in the United States. However, in the fact that the Apple Pay Cash will sooner and late or later get no doubt.
Apple also actively expands the geography of its payment system. According to rumors, Apple Pay will soon appear in other states of the former CIS. The first in turn of Belarus.
Information Updated: 12/27/2019
Key russian banks Started working with Apple Pay. Important aspects long-awaited event.
What's the matter?
In November, a joyful event happened for the Russian owners of the iPhone and Apple Watch.
The safest, fast and convenient service of payment services and offline goods in the world global network - Apple Pay - is available to customers of large Russian banks.
What is Apple Pay?
Payment for purchases or services in ordinary stores and the Internet using your own iPhone or smart clock Apple Watch. Connect the device or inserted somewhat is not required at all, as well as to give the cashier in the hands.
You can allow the purchase of a fingerprint, that is, the same action that the smartphone is unlocked, or in two clicks of the clock button. Bring the device to the terminal in which you used to insert bank card, BAC-BAC - and the goods are fully paid. Instantly and completely safe. Forget about cash, and you can not even remove the card from the wallet.
List of devices supporting Apple Pay
Apple Pay service is presented in the USA a couple of years ago, so the iPhone and Apple Watch, produced in 2014, are supported along with more fresh models:
- iPhone SE
- iPhone 7.
- iPhone 7 Plus.
- iPhone 6.
- iPhone 6 Plus.
- iPhone 6S.
- iPhone 6s Plus.
- all Apple Watch models
Owners of iPhone 5 and iPhone 5S can use Apple Pay only through the Apple Watch Smart Watch.
Apple Pay
The device of the latest iPhone and Apple Watch models is designed in such a way that the special microchip is mounted inside the gadgets, which allows data to transmit data at a distance of several tens of millimeters. By bringing the device to the terminal and allowing the purchase, you launch intrabank mechanisms to work. It does not make sense to go into the further process - these are complex technologies. Safe, super-defense, but extremely fast. The shares of the second, and the purchase is paid and completed.
So what is the difference from NFC?
Many this question will immediately come to mind. We answer, Apple Pay - something much more, although very similar. The component of the service responsible for contactless payment is really based on NFC technology. That is why it is possible to align with all possible terminals.
Banks are established and successfully used technology for the release of cards with NFC chips. Android holders enjoy paying goods and services through third-party applications. Contactless payments are debugged, running, securely protected and absolutely safe.
Apple Pay - not only payments through NFC, but also a systematic operating payment system, fully protecting user data and its money everywhere, especially when shopping on the Internet. Additional security is created by dynamic codes transmitted instead of personalized data from the card. Codes fully save all user information in the secret.
It's safe?
Delivering fiction about the risks of contactless payments, including double write-offs, are distributed by "savvy" in human technology issues. They spread rumors, not knowing anything.
Even having lost the smartphone or "smart" clock, the chances of the user lose their accumulations are zero. Stringing or found a gadget man can do nothing with him without your fingerprint. Accordingly, the payment details without a print is not available. For lovers, the Find My iPhone program is installed, which is disconnected by the payment function on the clock or smartphone.
Apple Pay works without complaints from 2014 in the US and a number of European countries. The best check of the system is billions of purchases committed with its help during this time. Defended by everything as the golden stock of the Federal Reserve Bank.
Does my bank work with Apple Pay?
It is quite simple to learn such information. Survey the news on the bank's website, make a call to hot line Or read social networks. As a rule, the first high-tech innovations are introducing progressive and reliable banks. For example, Tinkoff announced support for one of the first, immediately after the end of testing the service of Sberbank's service. By the way, we have already come to the nearest store - the system works great.
How to act, if there is no Apple Pay in my bank, and is not foreseen?
Most likely to change the bank. This is a matter of taste and personal priorities. Almost all people in society are divided into two types:
- Those who appreciate the size of the bank and puts it at the head of the corner
- Those who appreciate benefits and convenience
You can follow our example and look at progressive credit institutions, such as Tinkoff Bank.
Tinkoff Bank has the best remote service, and the departure of managers to meet in a convenient client, is an exclusive service. Mobile app, with a lot of useful options from the discharge of automatic notifications, payment of fines and much more, as well as profitable terms On the cards and excellent offers for savings and purchases, tinkoff bank in a number of welcome banks working with Apple Pay.
Tinkoff Bank offers 7% per annum on the balance of funds by adding to this monthly capitalization, cachek up to 5%, with the possibility of choosing a return category, repayment without a commission, free issuance of cards, without boring certificate collection and bank visits.
Apple Pay Review
Apple Pay Interface:
Purchase process using Apple Pay - bring the device to the terminal for payment:
Purchase process using Apple Pay - Payment using Touch ID (Apply your finger)
Infographics
So, Apple Pay allows you to pay for purchases using a bank card connected to the NFC module in the iPhone or Apple Watch. To take advantage of it, you need:
- Define whether your card and device support this method of payment
- Install the Apple Pay application and add your card to it.
- During the payment, bring the smartphone to the POS terminal and, if required, confirm the operation using Touch ID or Face ID
- If the cards are several - select the one you want to write off the money
Apple Pay provides a high level of security for all operations and does not "merge" to third parties details of cards.
Have you found answers to all your questions in this article?
Founder of the project # all-winlineline. For a long time worked in the banking sector, so it knows well how it is arranged outside and from the inside. Disassembled in all banking products and rules of their work. In his free time, studies new banking products and technologies.
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We understand with the peculiarities and security of the contactless service of Apple, which today launched in Russia.
To begin with, be sure to read in Russia. Here will look general issues Work and safety so that you know what you use and how it works.
What is Apple Pay?
Apple Pay service is created to simplify the purchase / sale process. Instead of using a plastic card or cash, any purchase can be made using the Apple gadget.
Compatible devices for payment offline:
- iPhone 6 and 6 Plus
- iPhone 6S and 6S Plus
- iPhone 7/7 Plus
- Apple Watch.
- iPhone SE
Through the iPad and Mac, it is possible to pay only on the Internet.
Payment occurs when the user brings his iPhone or Apple Watch to the contactless terminal. After a few seconds, a message appears on the screen about the possibility of holding payment and the proposal to confirm the transaction through the scanner of the imprint or password
Apple Pay exists for more than a year and a half. As of 2016, it works in 9 countries: England, Australia, Hong Kong, Canada, China, Singapore, USA, Switzerland and France. Today is the system.
How it works?
The foundation: The system mechanism is based on the technology of close data transmission NFC (up to 20 cm) in a bundle with the Secure Element chip, which stores the data on the bank card in encrypted form. Secure Element Represents Industrial Standard in the area financial operations. A special Java application is performed on this chip.
Secure Element: This is the area of \u200b\u200ballocated memory separated from the system. In this area, the user's bank card data is stored. No program has access to it, the data is not transmitted anywhere and even Apple cannot affect this strategy. So no one will know about your purchases and cash flow.
Secure Enclave: This is a component that manages the authentication process and launches payment transactions. At the same time, he stores fingerprint for Touch ID.
Apple Pay Servers: This server part that controls the status of credit and debit cards in the Wallet application, along with the device number stored in Secure Element. Apple Pay Servers is also responsible for recoding payment information inside applications.
History and partners
The technology of contactless payment is applied quite a long time - from the middle of the first decade of the 21st century. But for all the time of its existence, she did not gain popularity. Even the concept of Apple Pay is not Nova. Google has already tried to take a seat in this niche with his inconvenient Google Wallet service.
Apple Pay service is compatible with many already existing contactless readers: Visa Paywave, MasterCard Paypass, American Express and ExpressDay.
In addition, Apple's service support hundreds of banks, you can pay to the help of a smartphone on any terminals with support for contactless payment methods.
Where you can pay Apple Pay
Payment is carried out without entering a bank card number and other bank information. Enough just bring your finger to the touch ID.
In the process of buying Apple Pay can transmit additional informationStore in the buyer's phone, such as: shipping address and phone number.
What is Apple from Apple Pay Profit? Everything is simple: the corporation from each transaction receives 0.15% is the payment service charge and the creation of applied tools. This money is paid to her banks: Citi, plus existing payment systems, MasterCard and Visa.
What about security?
Apple Pay has a multi-level protection system: unique identificator Devices, dynamically generated security codes for each payment transaction, biometric information - fingerprint.
In the aggregate, these funds provide more reliable safety than the magnetic strip and even chip in the bank card.
During the creation of the device, communicate disposable tokenswhich are deleted at the end of communication. Token is called to replace the card number so that no one has learned the last. Token is a number generated by randomly, so the number of a bank card hidden behind it cannot be decrypted.
All this combines and replaces the CVV of the bank card for the payment transaction. After installing the communication and exchange of tokens for data transfer, they are encrypted. These encrypted messages reflect their belonging to a specific device that created the used token.
Even if the token is intercepted, it will not give an attacker of valuable information, since after breaking the connection, the token is removed.
Although the message contains information about the buyer, the seller, the amount of money participating in the transaction and the bank provided by the card, all data is securely encrypted. Apple does not disclose information about the encryption algorithm, which causes a storm of indignation in some information security specialists.
Apple motivates its partners to switch to more modern payment terminals by EMV specification, that is, the replacement of the magnetic strip plastic cards On the Chip - Secure Element, hacking which is almost impossible using data interception.
Theory of hacking
In this barrel honey there was a spoon of tar. No matter how hard the developers tried, in the Apple Pay service there are distressed places. And it largely depends not from Apple. In the process of moving funds, many other structures are involved, including banks with their huge security gaps.
The fingerprint scanner does not always work correctly. By providing modern and, it would seem, a reliable identity card, it is at the same time a huge hole in safety. If the Touch ID fails, you can use the PIN code. This negates all advanced security.
Pin code can be peered, confused, press not those keys, in short, the human factor in action. When paying using Apple Watch watches, the imprint is not required, in this case the question of security is sharper.
In this regard, additional checking tools appeared: secret code, one-time password, call to customer support service or providing information about previous purchases.
Some banks in other countries require authorization user mobile Internet Banking. These actions reduce the convenience of using Apple Pay due to the appearance of additional levels of verification.
On the this moment Russia has the easiest payment format without additional authorization in the process.
Meanwhile, Apple Pay is still not hacked.
Apple Pay competitors
In 2011, Google Wallet came to the contactless payment market, but he did not become popular in many respects due to the fact that the NFC payments market had a strong competitor - SoftCard supported by the largest cellular operators of the United States. But now he fucked. And Google bought it for $ 100 million.
Using jobs in the field of contactless payments Softcard, Google launched the Android Pay payment service, which works on the principles close to Apple Pay.
SAMSUNG PAY service is also working on the market. For the implementation of Samsung bought LoopPay for $ 250 million. The latter offers additional devices for contactless payment. The main advantage of LoopPay, and now Samsung Pay is compatibility with old devices.
There is also a paypal with a service conducted by payments through QR codes. It was developed by Paydiant, which was purchased PayPal. To scan the QR codes, a smartphone is used with an IOS or Android operating system and the CurrentC program installed using Paydiant technology.
Minus is obvious: Temporary delay - it is necessary to neatly hold the smartphone over the QR code to take a picture.
Future Apple Pay.
In the media passed the audience that Apple Pay Cash will soon appear in Russia. It is expected that it will be available to our users after IOS output 12.1, but nothing is known about any specific dates. In addition, some iOS 12 features a localized Apple Pay Cash interface, which inspires even more hopes for the emergence of the function:
There is no innovative in Apple Pay Cash, but this chip is very cool, and it will be nice if it appears in Russia. We tell what it is and how it works in the United States.
How it works?
The principle of operation of Apple Pay Cash is strongly similar to a virtual bank card. You make a map you can pay and accept payments from other users. The difference between the Cupertin version is only that you can send money on request through iMessage to friends.
How to use the card?
The card is activated in the Wallet application. Need to click on her image, go through everything necessary instructions In design and everything is ready.
You can translate money through iMessage. In the messenger, click on the Apple Pay icon, enter the desired amount and send a message with the request to a friend. If he agrees, then clicks on a black picture with the image of the amount, and after a few seconds you will receive money.
You can pay the same card in ordinary stores using Apple Pay.
And what about the commission and the conclusion?
In the US for transfer or replenishment debit card The commission does not take, but if the credit card, the commission is 3%. With Apple Pay Cash, you can withdraw money only on a tied card in Apple Pay. For such an operation, the Commission is also not.
Another important moment: For the translation of more than $ 500, the device asks to confirm the operation of the number social insurance And date of birth. So if the phone of the American was stolen and somehow were able to hack the password, then translate great amount From the card will not work.
As Apple Pay Cash will work in Russia - unknown. It depends on the Bank and Apple agreements. In the US, Apple Pay Cash is engaged in Green Dot Bank, and the conditions with the Commission put it. With whom Apple is negotiating in Russia, it is not known, but let's hope that it will cost without the Konsky Commission.
Continuing our conversation about the revolutionary Apple Pay system for Russia, I would like to say a few words about her advantages and disadvantages. Let's start with the fact that our people traditionally become incredulously relate to various innovations. The system of Apple Pay is an innovation to which you should get used to and to which the respect and recognition in Russia has yet to be conquered. Of course, the popularity of this application will constantly increase, but here, by what rapid pace, it will happen, is not known.
In the last article, we painted, which is Apple Pay. Today I would like to talk about what advantages and disadvantages can be allocated in it. So, let's begin.
Dignity
Wallet or credit card You always need to look for what takes a little, but, after all, time. The majority of us is always in your hands. It turns out that saving time is obvious.
Highly comfortable system Shopping logging makes it possible to combine all maps in one application, regardless of how they are issued. In the future, and not the longest future, on the Apple Pay system you can take a bank loan. But even the fact that now it will be possible to combine all purchases on your phone, will help more clearly manage your money, optimize your expenses.
Using an iPhone or smart clock, you can replace a bank card. It is not difficult to lose it, and the reissue takes enough time (especially if the card is not discovered in Moscow). So, use Apple Pay very convenient.
disadvantages
Unfortunately, mobile gadgets have an unpleasant property to unexpectedly discharged or leaning. So, if you lose your iPhone, you not only can not pay for the purchase, but also will have to re-pass the entire bank card binding procedure.
Terminals with contactless payments are not so common as it would like. So, wearing a plastic payment card with you still have to.
The fact that people in their nature conservative will not allow Apple Pay to quickly gain popularity from our compatriots.
Everyone has the right to decide for himself: I need an Apple Pay or not. But the fact that this system can significantly facilitate the shopping process in stores is a fact. The main thing is to learn how to use it, and increase the number of contactless payment terminals in the country.
