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How does the merchant identify you? My understanding is that, unlike a credit card, you don't share your name with them during an Apple Pay transaction. Also,
by ghshephard 12y ago
How does the merchant identify you? My understanding is that, unlike a credit card, you don't share your name with them during an Apple Pay transaction. Also, Apple is not involved in the transaction beyond selling you the hardware which hosts the secure element.
- teacup50 12y ago> My understanding is that, unlike a credit card, you don't share your name with them during an Apple Pay transaction. If you check the EMVco specs (they're a doozy! http://www.emvco.com/specifications.aspx?id=21 http://www.emvco.com/specifications.aspx?id=21), merchants still receive your name. The only thing that tokenization provides is a proxy card number. > Also, Apple is not involved in the transaction beyond selling you the hardware which hosts the secure element. That's not actually true; if you read the fine print (or the emvco specs), you'll note that they can track a lot more than they might claim to. https://www.apple.com/privacy/docs/iOS_Security_Guide_Oct_2014.pdf https://www.apple.com/privacy/docs/iOS_Security_Guide_Oct_20... They disclose up-front: "Apple may receive anonymous transaction information such as the approximate time and location of the transaction, which helps improve Apple Pay and other Apple products and services."