(APPLE PAY EXPLAINED

A nice, neat explanation of the salient points of Apple Pay:
User:
iTunes account with Visa or MasterCard or Amex card on file and
Apple Pay mobile payments explained
issued by the most popular banks, American Express, Bank of America, Capital One Bank, Chase, Citi and Wells Fargo at availability with additional banks coming quickly thereafter including Barclaycard, Navy Federal Credit Union, PNC Bank, USAA and U.S. Bank.
iPhone with NFC, embedded Secure Element, Touch ID (eg. iPhone 6, 6+ and Watch)
Merchant:
POS enabled for contactless payment (e.g. MasterCard PayPass, Visa payWave, Amex ExpressPay)
No new agreement
Fee is normal swipe card fee
No liability change (Issuer liability)
Issuing bank:
Integration of cards to Apple’s system
Fees:
No charge for users, merchants or developers for transactions
Agreement with each individual bank and cut of transaction to Apple
Where and when:
From October via a free upgrade of iOS 8 to iPhone 6 and 6+
USA
220,000 locations with contactless payments enabled
Other countries will come
How:
Instead of using the PAN (card number), a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your iPhone or Apple Watch. Each transaction is authorized with a one-time unique number using your Device Account Number and instead of using the security code from the back of your card, Apple Pay creates a dynamic security code to securely validate each transaction.
Online shopping in apps with iPhone with the touch of a finger.
At checkout chose Apple Pay, authenticate and signing of transaction via Touch ID.


看起來很快可通行全世界,簡言之,現行機器就可以用,目前開放美國,
其他國家只是開放早晚。
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