Apple Pay.

In September 2017, Apple Pay turned 3 years old. During this time, he managed to achieve incredible popularity in America, in Europe and, above all, in Asia. The statistics collected by the "apple company" is amazing: if you believe it, every second owner of a mobile phone in India, Thailand and Indonesia prefers Apple Pay. The geography of Apple Pay is regularly expanding: at the end of 2017, you can pay for a purchase using this tool in such exotic places as the islands of Jersey and Guernsey, and even in the Vatican.

Jennifer Bailey, Vice President of Apple, says that 98% of Apple Pay users are satisfied with the mobile payment system because of its simplicity and security. The iPhone user, who still prefers to roll a magnetic stripe card on the pin pad, should try a new method - it is likely that he will no longer want to return to the old one.

How does Apple Pay work?

Apple Pay is based on technology NFC - wireless data transmission over short distances (maximum 20 cm). The system digitizes the user's bank card and encrypts the information using another important component - the Secure Element chip. The information contained in the Secure Element's memory is not transferred anywhere - Apple cannot access it either.

Apple Pay includes other elements:

• Secure Enclave - responsible for authentication, execution of payment transactions and storage of fingerprint data.
• Apple Pay Servers – the server part of the payment system responsible for the state of the cards added to the Wallet.

When the owner of the smartphone brings it to the pin pad, the 2 devices are paired. They begin to exchange so-called tokens - randomly generated sequences of numbers. If, knowing the token, you pick up the key and decrypt it correctly, you will get a bank card number. However, in reality, this task is practically impossible. It is worth noting that to intercept the token - also the case is not easy; Information is deleted immediately after the conjugation break occurs (that is, the transaction hits).

Note. Apple carefully hides information about the encryption algorithm - the special service of different countries is very angry. However, the stubbornness of the company is justified - obviously, Apple understands that if she gives the key to someone, then will lose respect for users.

What devices support Apple Pay?

Use Apple Pay owners of the following devices:

• iPhone 6th, 7th and 8th generations, and Also X and SE models.
• iPad 4, Mini 3, Air 2 and Pro tablets.
• IWatch hours.
• Mac issued after 2012.
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Apple Pay will be able to configure on the 5th generation iPhones - but in this case without Apple Watch can not do.

How to connect Apple Pay?

First you need to tie a bank card to the service. If the card is issued by Sberbank, it is necessary to act like this:

1. Download, install and open Sberbank Application.
2. In the list of cards, select the appropriate and click " Apple Pay.
3. A window will appear on the screen offering Add a map to Apple Wallet. Click on the appropriate button - this is what you need.
4. On the next screen, select the device to which Apple Pay Apple - iPhone or Watch Watch would be connected. Then, at step " , add a map", click " Next.
5. Accept " Conditions of the User Agreement".
6. When the " card appears on the screen added!", press" ready. " Now the card is tied to Apple Pay.

Similarly, you can bind to the payment system and another card. If the maps are several, the management of them should be carried out in the Brand application Wallet.

Card bindings can be binding and without using the bank application - right in Wallet. Open the program. If the Apple Pay icon is present in the upper left corner, it means that the system is already activated. If not, follow the settings section " Wallet & Apple Pay" and turn it on.

Then in the Wallet application, click on " +" in the upper right corner, enter the maps data manually or take a picture of it. After that, the payment system must approve and remember the card.

If this message appears on the screen, it means that either you are trying to link a bank card with which Apple Pay does not yet cooperate, or the card balance is less than 1 ruble. For 2017, the list of banks supporting the Apple payment system is already quite extensive - it includes:

• Sberbank.
• VTB24.
• Alfa-Bank.
• Rosselkhozbank.
• Promsvyazbank.
• Raiffeisenbank.
• MTS-Bank.
• Gazprombank.
• Tinkoff.

Also, all Megafon, Beeline, Corn, Yandex. Money cards are linked to Apple Pay.

How do I use Apple Pay?

To pay for a purchase using Apple Pay, just bring the gadget to the pin pad and put your finger on Touch ID, thus confirming the charge.

You need to pay with Apple Watch a little differently: you should double-click on the button, which is located on the right side of the watch, and turn the device with the screen towards the pin pad. A characteristic sound will be heard - this means that the payment was successful.

If your purchase exceeds RUB 1,000, you may need to enter a pin code or sign on the display.

Note. During the payment on the gadget, the Internet must be activated - mobile or Wi-Fi - for data exchange. If your iPhone is in airplane mode, you won't be able to pay for your purchase.

Many users are interested in this question: do I have to pay a commission for using Apple Pay? It is true that there is a commission, but it is not the owners of the devices that are required to transfer the percentage, but banks and payment systems MasterCard and Visa - from each transaction 0.15%. Users themselves do not overpay.

Conclusion

Apple continues to improve Apple Pay. With the release of iOS 11 in 2017, iPhone owners have the opportunity to make direct money transfers. The service that allows you to do this is called Apple Pay Cash, which, alas, is only available in the United States so far. However, there is no doubt that Apple Pay Cash will reach Russia sooner or later.

Apple is also actively expanding the geography of its payment system. According to rumors, Apple Pay will soon appear in other states of the former CIS. The first in line is Belarus.