This is what Apple publishes on its website
Without the wallet.
Paying in stores or within apps has never been easier. Gone are the days of searching for your wallet. The wasted moments finding the right card. Now payments happen with a single touch.
Apple Pay will change how you pay with breakthrough contactless payment technology and unique security features built right into the devices you have with you every day. So you can use your iPhone, Apple Watch, or iPad to pay in a simple, secure, and private way.
How it works …
Passbook already stores your boarding passes, tickets, coupons, and more. Now it can store your credit and debit cards, too. To get started, you can add the credit or debit card from your iTunes account to Passbook by simply entering the card security code.
To add a card on iPhone 6, iPad Air 2 or iPad mini 3, go into Settings, open Passbook & Apple Pay, and select “Add Credit or Debit Card”. On iPhone, you can also just open Passbook, then swipe down and tap the plus sign. From there, use your iSight camera to enter the card information or type it in manually. The card you had stored in iTunes is your default payment card, but you can always switch it in Settings.
After scanning a credit card the usage is easy for the iPhone 6 as well as the Apple Watch.
- iPhone 6
There’s no need to open an app or even wake your display thanks to the innovative Near Field Communication antenna in iPhone 6. To pay, just hold your iPhone near the contactless reader with your finger on Touch ID. You don’t even have to look at the screen to know your payment information was successfully sent. A subtle vibration and beep let you know.
- Apple Watch
Double-click the button next to the Digital Crown and hold the face of your Apple Watch near the contactless reader. A gentle pulse and beep confirm that your payment information was sent.
Making reservations …
I want to express my reservations about Apple Pay and electronic payments with smartphones or smart watches in general.
Which biometric data will be used for payments in the near future?
Well, in your everyday life the easiest way to get rid of your -bogus- money is to pay cash. Carrying cash with you is followed by two risks:
Loss and mugging.
Both may also happen to your password.
So there is a need to innovate and make payments secure and fast with something you always carry with you: eyes and fingers.
Admittedly you also carry your belly with you but after intense scientific researches it turned out that the waist circumference isn’t as unique as required.
Apple decided to use the fingerprint for identification.
You fingerprint might be unique but the technique to transform it into bits and later retrieve you as the actor can be buggy according to Murphy’s law.
So, what happens if things don’t go your way?
If you need support the worst case that can happen, a customer’s nightmare, is, that you have more than one partner. Here it’s Apple and your bank.
Apple will say that they don’t have access to your data and the transaction isn’t done with real data but with generated tokens. The bank will say, that it’s not responsible for the technique and it suggests to contact Apple or, that your A8 processor should be repaired.
And what about the lost money?
It’s way to complicated to explain the strange redemption of John Doe’s or Mr A.N. Onymus’ money. Refunds are announced many times, according to legislation. But it seems that there are some unexpected black holes implemented in laws.
For God’s sake do not invest in any technique except your pillow (only halfway filled but secure). SMSs are winging it’s way to recipients in a jiffy but money still uses the Silk Road on the back of turtles.
Sorry for going ballistic …
Abso-fucking-lutely fuckers, that’s what bankers are when returning money or gaming via Investment Fonds, sorry, ASFs, aka Arrant Scoundrels Fonds.
Btw, did you know that ASF is also the official abbreviation for ‘African swine fever virus’?
Bankers are responsible for the financial crisis, they dashed people’s hopes, force people into poverty, and forward a very special legacy to our children, valuelessness.
So we learn:
Isn’t the law – still not adapted to activities in the Internet – a nicely flexible and bendable thing?
If you are a shopaholic or not don’t use the ultra-modern techniques. Get rid of your money by paying cash or using the old-fashioned credit card.
Don’t trust all the involved techniques and transfers of data over thousands of miles via cables, servers, and through the air. They are not qualified to build up confidence.
I’m an Apple fan and trust in what Tim Cook tells us about privacy. But there should be limits because even Tim and his excellent engineers can’t kill all bugs living in Apple’s ecosystem. Some are like bacteria, resistant, and some others are doing their job on the way to Maiden or other data centers.
New kinds of electronic payment systems are not designed to reduce the costs but to get more personal data and force people to spend money they don’t have.
Why going a long way round? The next level of paying is to do it even without any device, just with your fingertip or your eye.
Follow Roman poet Ovid’s slogan Nip things in the bud (“Principiis obsta”) to prevent the society getting fully electronic instead of improving humanity.
Related links …
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