It is known that Apple is planning to turn the iPhone into a mobile wallet 6, for which the company has entered into a partnership with the major banks and retailers, including Visa, MasterCard and American Express. According to some reports, in Cupertino are planning to use the technology in the system of tokens along with a high-frequency wireless short-range communication NFC.
During tomorrow's presentation iPhone 6 Cupertino giant is expected to show a new mobile payments service that will work with the technology NFC. A major advantage of the "apple" of the system will be the base of credit cards from more than 800 million accounts, with which to make purchases from the App Store.
According to Bank Innovation, iPhone 6 will use tokens for advanced multi-factor authentication and confirmation transfers. As part of the technology, instead of the data account and credit card numbers, the NFC chip will generate and transmit to the payment terminal, a unique identification code. Last computed as a function of the secret key of the device and the time counter (time-based) and / or counter states (event-based). The code is used once and act in a short period of time. Therefore, even in case of interception, the code will lose its validity and can not be used by hackers.
In addition to the tokens in the transactions will participate fingerprint Touch ID, which allows the identification of the host device. Fingerprint sensor iPhone 6 will be able to provide maximum security payments.
Despite the fact that the major technology companies, including Google, Nokia, Apple, PayPal and others are actively developing contactless payment technology, the main users of these technologies - buyers and sellers - have shown little eagerness to work with them. It is expected that Apple, which controls most of the smartphone market in the United States, could turn the tide.
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