Redigerer Apple Pay (avsnitt)

== Teknologi ==
Apple Pay fungerer sammen med [[Apple Wallet]]. Når man foretar et kjøp, benyttes en dynamisk sikkerhetskode som blir ugyldig etter at kjøpet er fullført.<ref name="Jeffries">{{Cite web |author=Adrianne Jeffries |publisher=The Verge |date=2014-09-09 |accessdate=2018-06-28 |title=Apple Pay allows you to pay at the counter with your iPhone 6 - The Verge |url=https://www.theverge.com/2014/9/9/6084211/apple-pay-iphone-6-nfc-mobile-payment/}}</ref> Ifølge Apple blir finansiell informasjon som kortnumre og transaksjonsdata ikke lagret lokalt på enheten, heller ikke av Apple eller av butikker.<ref>{{Cite web |author=Apple |publisher=Apple.com |date=2018 |accessdate=2018-05-20 |title=Apple Pay – Apple |url=https://www.apple.com/apple-pay/}}</ref><ref>{{Cite web |author=Apple |publisher=Apple.com |date=2018-04-26 |accessdate=2018-06-23 |title=Apple Pay security and privacy overview - Apple Support |url=https://support.apple.com/en-us/HT203027/}}</ref> Apple Pay benytter EMV Payment Tokenisation<ref>{{Cite web |author=EMVCo |publisher=EMVCo.com |date=2018 |accessdate=2018-05-20 |title=Payment Tokenisation – EMVCo |url=https://www.emvco.com/emv-technologies/payment-tokenisation/}}</ref><ref>{{Cite web |author=Visa USA |publisher=Visa.com |date=2018 |accessdate=2018-06-22 |title=Security Token Services |url=https://usa.visa.com/partner-with-us/payment-technology/visa-token-service.html}}</ref><ref>{{Cite web |author=Visa USA |publisher=Visa.com |date=2018 |accessdate=2018-05-20 |title=Apple Pay |url=https://usa.visa.com/partner-with-us/payment-technology/apple-pay.html}}</ref> som konverterer (tokeniserer) kortnumre (også kalt for PANs eller Primary Account Numbers) til unike tallverdier kalt for DANs eller Device Account Numbers. Disse tallverdiene lagres i et [[Kryptografi|kryptert]] og sikkert område (kalt for Secure Element) på brukerens enhet.<ref name="Apple"/><ref name="Jeffries"/> Ekte kortnumre og annen statisk sensitiv betalingsinformasjon blir dermed aldri delt med butikker og betalingsterminaler.<ref>{{cite web |author=Kirk Lennon |publisher=kirklennon.com |date=2014-10-20 |accessdate=2018-10-31 |title=How Apple Pay Really Works and Why You Should Begin Using it Immediately - Kirk Lennon |url=https://kirklennon.com/a/applepay.html}}</ref> Dette kan bidra til å minske sjansen for å bli utsatt for [[Skimming|kortskimming]].<ref>{{Cite web |author=Rob LeFebvre |publisher=Cult of Mac |date=2015-05-28 |accessdate=2018-06-28 |title=Find your Device Account Number for Apple Pay |url=https://www.cultofmac.com/324191/find-your-device-account-number-for-apple-pay/}}</ref>

For å starte en betaling må brukeren holde enheten inntil butikkens eller brukerstedets betalingsterminal. For å godkjenne og fullføre en betaling kreves [[Flerfaktor-autentisering|tofaktorautentisering]] med Apple Touch ID, Face ID eller enhetens sikkerhetskode.<ref>{{Cite web |author=Nordea Norge |publisher=Nordea (YouTube.com) |date=2018-06-19 |accessdate=2018-06-21 |title=Slik betaler du med Apple Pay - YouTube |url=https://www.youtube.com/watch?v=HzCy_YOLJn4}}</ref><ref>{{Cite web |author=Jeff Parsons |publisher=Mirror Online |date=2018-06-27 |accessdate=2018-06-28 |title=How to use Apple Pay: your ultimate guide to buying things using just your iPhone - Mirror Online |url=https://www.mirror.co.uk/tech/how-use-apple-pay-your-12802931}}</ref> Betalinger gjennomført via Apple Pay har omtrent samme beskyttelse mot svindel som fysiske [[betalingskort]],<ref>{{Cite web |author=Apple |publisher=Apple.com |date=2018-05-07 |accessdate=2018-06-21 |title=About Apple Pay for merchants - Apple Support |url=https://support.apple.com/en-us/ht204274/}}</ref><ref>{{Cite web |author=Visa USA |publisher=Visa.com |date=2018 |accessdate=2018-06-23 |title=Apple Pay |url=https://usa.visa.com/pay-with-visa/featured-technologies/apple-pay.html}}</ref> men fordi [[Biometri|biometrisk]] identifisering med Apple Touch ID og Face ID ikke kan kalles tilbake (de er ''non-revokable''), er systemet mer risikabelt sammenliknet med for eksempel fysiske betalingskort hvor det er mulig å bytte [[PIN|PIN-kode]] ved behov.

I tillegg til betalingstjenester kan Apple Pay brukes til å sende og motta penger i [[direktemelding]]sapplikasjonen Apple Messages i [[sanntid]]. Denne tjenesten heter Apple Pay Cash, og er foreløpig kun tilgjengelig i USA.<ref>{{Cite web |author=Apple |publisher=Apple.com |date=2017-12-05 |accessdate=2018-06-23 |title=Set up Apple Pay Cash and person to person payments - Apple Support |url=https://support.apple.com/en-us/HT207886/}}</ref><ref>{{Cite web |author=Apple |publisher=Apple.com |date=2018-05-21 |accessdate=2018-06-23 |title=Send, receive, and request money with Apple Pay - Apple Support |url=https://support.apple.com/en-us/HT207875/}}</ref><ref>{{Cite web |author=Matthew Panzarino |publisher=TechCrunch.com |date=2017-11-07 |accessdate=2018-06-23 |title=Apple Pay Cash launches in beta today, letting you send and receive cash in Messages |url=https://techcrunch.com/2017/11/07/apple-pay-cash-launches-in-beta-today-letting-you-send-and-receive-cash-in-messages/}}</ref><ref>{{Cite web |author=Elyse Betters |publisher=Pocket-lint.com |date=2018-02-01 |accessdate=2018-06-23 |title=What is Apple Pay Cash, how does it work, and when can you use it? - Pocket-lint |url=https://www.pocket-lint.com/apps/news/apple/141312-what-is-apple-pay-cash-how-does-it-work-and-when-can-you-use-it/}}</ref><ref>{{Cite web |author=AppleInsider |publisher=AppleInsider (YouTube.com) |date=2017-12-05 |accessdate=2018-06-23 |title=How to set up Apple Pay Cash and instantly send cash to friends! - YouTube |url=https://www.youtube.com/watch?v=Ph0RRmEn-Ko}}</ref><ref name="Vaa">{{Cite web |author=Arno Vaa |publisher=cw.no (Computerworld) |date=2017-12-05 |accessdate=2018-06-23 |title=Apple Pay Cash ute |url=http://www.cw.no/artikkel/apple/apple-pay-cash-ute}}</ref> Noen [[minibank]]er i USA støtter [[Kontanter|kontantuttak]] med betalingssystemer som Apple Pay.<ref>{{Cite web |author=Michael Moore |publisher=Express.co.uk |date=2016-07-18 |accessdate=2018-06-23 |title=You can now use an iPhone to withdraw money from an ATM |url=https://www.express.co.uk/life-style/science-technology/690655/apple-iphone-atm-cash-machine-withdrawals-bank-app-fingerprint/ |archive-date=2018-06-23 |archive-url=https://web.archive.org/web/20180623061253/https://www.express.co.uk/life-style/science-technology/690655/apple-iphone-atm-cash-machine-withdrawals-bank-app-fingerprint/ |url-status=yes }}</ref><ref>{{Cite web |author=Caitlin McGarry |publisher=macworld.com (Macworld) |date=2016-06-20 |accessdate=2018-06-24 |title=Apple Pay arrives on Bank of America ATMs to make cash withdrawals painless |url=https://www.macworld.com/article/3085657/ios/apple-pay-arrives-on-bank-of-america-atms-to-make-cash-withdrawals-painless.html}}</ref> I noen land og byer kan man kjøpe billetter for [[Kollektivtrafikk|kollektivtransport]].<ref>{{Cite web |author=Visa Europe |publisher=visaeurope.com (Visa Europe) |date=2018 |accessdate=2018-06-23 |title=Apple Pay |url=https://www.visaeurope.com/making-payments/applepay/}}</ref><ref>{{Cite web |author=Apple |publisher=Apple.com |date=2018-06-20 |accessdate=2018-06-23 |title=Kjør kollektivtransport med Apple Pay - Apple-kundestøtte |url=https://support.apple.com/no-no/ht207958/}}</ref><ref>{{Cite web |author=Shanghaiist |publisher=Medium.com |date=2018-04-02 |accessdate=2018-06-23 |title=You can now use Apple Pay to pay for subway, bus rides in Shanghai and Beijing! |url=https://medium.com/shanghaiist/you-can-now-use-apple-pay-to-pay-for-subway-bus-rides-in-shanghai-and-beijing-64314f7e436d/}}</ref><ref>{{Cite web |author=Mikey Campbell |publisher=Appleinsider.com (AppleInsider) |date=2018-03-29 |accessdate=2018-06-23 |title=Apple Pay transit card integration goes live in Beijing and Shanghai |url=https://appleinsider.com/articles/18/03/30/apple-pay-transit-card-integration-goes-live-in-beijing-and-shanghai/}}</ref>