 Tap to Pay on iPhone, available in iOS 15.4, allows U.S. merchants to accept Apple Pay and other contactless payments by using iPhone and a partner-enabled iOS app. With this service, users with supported iPhone devices can securely accept contactless payments and Apple Pay NFC-enabled passes. With Tap to Pay on iPhone, merchants don’t need additional hardware to accept contactless payments. Show
Tap to Pay on iPhone is designed to protect the payer’s personal information. This service doesn’t collect transaction information that can be tied back to the payer. Payment card information such as Credit/Debit Card Number (PAN) is secured by the Secure Element and isn’t available to the merchant. The payment card information stays between the merchant’s Payment Service Provider, the payer and the card issuer. In addition, the Tap to Pay service doesn’t collect payer’s names, addresses or phone numbers. Tap to Pay on iPhone has been assessed externally by an accredited security laboratory and approved by American Express, Discover, Mastercard and Visa.
Contactless payment component security
How Tap to Pay reads credit, debit, and prepaid cardsProvisioning security overview Upon first use of Tap to Pay on iPhone using a sufficiently entitled app, the Tap to Pay on iPhone server determines whether the device meets the eligibility criteria such as Device Model, iOS version, and whether a passcode has been set. After this verification is complete, the payment acceptance applet is downloaded from the Tap to Pay on iPhone server and installed on the Secure Element, along with the associated payment kernel configuration. This operation is performed securely between the Tap to Pay on iPhone servers and the Secure Element. The Secure Element validates the integrity and authenticity of this data prior to installation. Card read security overview When a Tap to Pay on iPhone app requests a card read from ProximityReader framework, a sheet—controlled by iOS—is displayed and prompts the user to tap a payment card. iOS initializes the Payment Card Reader and then requests the payment kernels in the Secure Element to initiate a card read. At this point, the Secure Element assumes control of the NFC controller in Reader Mode. This mode allows only card data to be exchanged between the payment card and the Secure Element through the NFC controller. Payment cards can be read only while in this mode. After the payment acceptance applet on the Secure Element has completed the card read, it encrypts and signs the card data. The card data remains encrypted and authenticated until it reaches the Payment Service Provider. Only the Payment Service Provider used by the app to request the card read can decrypt the card data. The Payment Service Provider must request the card data decryption key from the Tap to Pay on iPhone server. The Tap to Pay on iPhone server emits decryption keys to the Payment Service Provider after validation of the integrity and authenticity of the data, and after verifying that the card read was within 60 seconds of the card read on the device. This model helps ensure that the card data can’t be decrypted by anyone other than the Payment Service Provider, which processes this transaction for the merchant.
Please don’t include any personal information in your comment. Maximum character limit is 250. Thanks for your feedback. Which of the following are universally common items that are synced between a mobile device and a larger computer?Which of the following are universally common items that are synced between a mobile device and a larger computer? (Choose three.) The items most often able to be synchronized are contacts, apps, email, photos, music, and videos.
Which feature if available allows you to share your smartphone's cellular data connection with another device over a USB cable?Novatel's trademarked name for the hotspot device they manufactured. It stands for “my wifi.” A feature that allows you to share your smartphone's cellular data connection with a single computer. The actual connection to the computer, laptop, or tablet can be via USB cable, wifi, or Bluetooth.
What wireless technology is used by systems that allow users to pay with their smartphones?NFC is a technology that allows card readers and certain devices to communicate over a short distance. NFC payments can be accepted using Android devices, iPhones, laptops, tablets and smartwatches, as well as NFC-enabled credit cards.
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What wireless standard is used by Apple to make payments at retailers with systems that support the Apple Pay feature?
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