Apple Pay: What happens when you tap?
summary
Explains how Apple Pay replaces a real card number with a tokenization service generated substitute and stores it inside a hardware secure element which produces a per‑transaction dynamic cryptogram so stolen swipe data is single‑use. NFC tap emulates a contactless card so existing terminals need no Apple‑specific changes. Distinguishes in‑app use via PassKit vs StoreKit, and describes iOS 9 loyalty as an NFC pass field plus merchant identifier that links wallet passes to a payment read.
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chapters (12)
- 0:00Intro
- 0:55Apple Day
- 3:08Plastic cards
- 5:21Data
- 8:42How it works with NFC
- 11:16The Secure Element
- 15:45The Payment Flow
- 17:18Security
- 18:58Apple Pay in Apps
- 25:33Loyalty
- 26:51Wallet
- 29:29Feedback
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