Pay: «plastic» Apple revolution

Sep

12

2014

At the presentation of Apple on September 9 were all so passionate about iPhone 6 and Watch, that little attention is paid to another novelty – Apple Pay . And it was she, and not the sixth iPhone or smart watches, can be a major revolutionary breakthrough near future.

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Apple Pay – a proprietary payment system from the market leader in mobile devices. Developers themselves represent it as “an easy, secure and personal tool for mobile payments, changing the view of them.” From the following description, as indicated Bfm , the following conclusion: Now consumer considers transfer something burdensome, and Cupertino-based company wants to make this simple, easy and quick.

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In Pay service you need to make (or transfer of an existing account iTunes Store) credit or debit card. After that, your iPhone turns into a payment tool. That is, inter alia, they can pay in various shops, restaurants and so forth.

Apple Pay is based on three pillars: the module NFC, fingerprint Touch ID and chip called “Secure Element”. Hence it is clear that in reality it will be possible to pay an iPhone where there contactless payment system. Brought the smartphone to the device – and all paid for.

About the same will happen on the Internet, of course, adjusted for the virtual space. As quickly and easily as in the App Store, shopping can be done in any online service.

“This is very promising and long-awaited thing. And the market was ready for the emergence of such a service and people were waiting for him. The ease, speed and security – is that users need. These three components are gathered in one place, “- says the chairman of the processing center PayU Elena Orlova.

But all this is in theory. In practice, the situation is somewhat more complicated. At least, for the Russians.

Let’s start with the fact that in the near future Apple Pay service will only work in the United States. According to the company, at the initial stage it interacts with the credit and debit card payment systems three major – American Express, MasterCard and Visa, which produced “the most popular banks” (referred to Bank of America, Capital One Bank, Chase, Citi and Wells Fargo) . Soon the list will expand promise in Cupertino. So much for “where the money”. As part of the “where to spend”, according to Apple, the novelty supports “some of the largest retail chains» – Bloomingdale’s, Disney Store and Walt Disney World Resort, Duane Reade, Macy’s, McDonald’s, Sephora, Staples, Subway, Walgreens and Whole Foods Market.

Despite the fact that some of them are present in Russia, in our territory service in the near future will be hardly available.

“The important thing that will interfere with the mass development of Apple Pay in any new country – is that apparently Apple uses host card emulation, which relies on the infrastructure PayPass-posov but is not PayPassom and requires modifications on the side of acquiring banks . The principal difference is that the user is from the United States with the phone Apple Pay arrive in Russia and can not pay for coffee at “Starbucks”, despite the fact that there should terminal supporting PayPass », – said Nadezhda Kiyatkin, spokesman Yandex.Money .

Presenting your billing system, the company focuses on safety. Manufacturers claim that the very number of your credit card is not stored on the device or on the servers of Apple. User is assigned a unique account number of the device. He is stored in encrypted form on the chip “Secure Element”. For each transaction generates a one-time code.

“When you use Apple Pay at the store, restaurant or other outlet, cashiers do not see your name, credit card number or security code, which reduces the likelihood of fraud. Apple does not collect data about the history of your purchases, so we do not know what and where you bought it, or how much you paid for it, “- said a senior vice president of Apple’s Internet services and software, Eddy Cue.

In general, an electronic purse called iPhone 6 or Apple Watch will be more convenient and safer usual bank cards. There is a version that the very appearance of Apple Pay marks the beginning of the end of the era of “plastic”. Of course, there are the prerequisites for this. According to statistics, users iPhone – the most active buyers on the Internet. Without a doubt, the ability to fly with your favorite gadget in the real world they have to taste. Besides, it’s just more convenient – no need to carry around a pile of cards and wallet, just a smartphone. Of course, later the leader and the rest will be pulled, and these services will only grow in popularity. And over time, insecure and less convenient card will not need them.

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In: Technology & Gadgets Asked By: [15775 Red Star Level]

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