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Apple Pay does offer enhanced privacy by not transmitting your name along with your card number, but it doesn't randomize the number with every transaction. In
by abalone 9y ago
Apple Pay does offer enhanced privacy by not transmitting your name along with your card number, but it doesn't randomize the number with every transaction. In fact you may not want that as it would disrupt email receipt systems and loyalty programs (absent some parallel mechanism).
Apple Pay does something called tokenization, and the goal is more fraud protection than privacy. It generates one new number at card enrollment and uses that exclusively. By using a unique account number which can only be issued by Apple Pay devices, it means it doesn't matter if someone hacks the merchant and steals your number. They can't use it without the associated Apple Pay generated cryptogram, secured by your PIN / fingerprint.
Honestly the enhanced security of Apple Pay is underhyped. It's really great.
- ianai 9y agoI think I just inched toward using Apple Pay. I've been very skeptical until now.
- archvile 9y agoYou should read the iOS security guide portion that explains Apple Pay, the security benefits and amount of thought that has gone into the system are pretty amazing. https://www.apple.com/business/docs/iOS_Security_Guide.pdf https://www.apple.com/business/docs/iOS_Security_Guide.pdf
- digi_owl 9y agoSounds to me like they basically transferred chip-and-pin online. Maybe it is magical in the American sense, but i can't say i get the big whoop from the European side of the Atlantic...
- abalone 9y agoApple Pay is a generation ahead of chip and pin. It obviates the need to enter a PIN which is more convenient and invulnerable to attacks on PIN terminals, which have defeated chip and pin in the past.[1] [1] https://en.m.wikipedia.org/wiki/EMV https://en.m.wikipedia.org/wiki/EMV
- deleted 9y ago[deleted]
- Flimm 9y agoWhat about contactless cards? I personally find contactless cards, common in the UK, much more convenient than having to faff about with my phone, which may be out of battery.
- beefsack 9y agoPhone based payments seem to have really failed to gain momentum here in Australia too; we've had contactless cards for a few years now and they've become the norm, using a phone seems to have marginal benefit over that.
- timlyo 9y agoI find the opposite. My phone is just in my pocket, I pull it out tap the fingerprint scanner and I'm ready. My card is tucked away in my wallet and takes a bit longer. Admittedly being out of battery is a hard problem, but I chose my phone partly because it has decent battery life.
- tomcorrigan 9y agoI am in Australia and we have had contactless payments for years. Apple Pay with an iPhone was more trouble than using a card. On the other hand since I got my Apple Watch I haven't carried credit cards with me. It started out as a 1 month experiment to see if I could survive and it has never been a problem.
- anarchitect 9y agoMy understanding is that contactless cards have limit of £30 per transaction in the UK. Apple Pay (perhaps it's the same with Android Pay?) has a significantly higher limit.
- dEnigma 9y ago25 € in Austria. But for higher amounts you can still just hover the card above the terminal and then enter your PIN instead of sticking the card in (at least at some stores).