Apple Tackles Mobile Payments with Apple Pay
Sep 9, 2014, 12:49 PM by Eric M. Zeman
updated Sep 9, 2014, 12:56 PM
Apple today announced its intent to reshape the way people pay for goods and services with Apple Pay. Rather than develop a system that benefits Apple, Apple said it designed Apple Pay so that it offers the best user experience possible for consumers. The process involves tapping the iPhone against a compatible terminal and using the fingerprint reader to verify the purchase. Apple stores the user credit card information in a secure element on the phone. Apple Pay integrates easily with Apple's Passbook application, which collects and manages loyalty cards and similar programs. According to Apple, iPhone owners can use the credit card they already have on file with iTunes, or add others. Visa, MasterCard, and AMEX are supporting Apple Pay in the U.S., with banks such as Chase, Citi, WellsFargo, CapitalOne, and Bank of America. The system will be supported at 22,000 retailers across the U.S. at marquee retailers and restaurants such as Macy's, Bloomingdales, Wallgreens, Duane Reade, Subway, McDonalds, Whole Foods, Staples, Subway, and others. The system doesn't actually share the owner's credit card number with the merchant, and instead creates a distinct, one-time transaction code. Users don't need to put in the name, address, or any other information; simply press the fingerprint scanner. Apple Pay is available to the iPhone 6 and 6 Plus, and will launch in October.
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4.7" display HD+ resolution
Apple A8 processor 1 GB RAM
1,810 mAh battery
Headphone Jack (3.5mm), NFC, Fingerprint Reader