Apple Inc. introduced a payment system Apple Pay, which will make contactless payment of purchases, using the iPhone 6 instead of credit cards. The system will be launched in the USA in October and will work with cards MasterCard, Visa and American Express. Experts positive about the outlook for the system in the United States and Europe, but tend to doubt its absolute security.
Apple Inc. at the launch of a new line of iPhone 6 presented its own payment system Apple Pay. As the company said, the new technology will make contactless purchases in traditional stores using smart phones instead of credit cards.
To make a payment will be required to bring the iPhone 6 or iPhone 6 Plus PayPass terminal and go through fingerprint identification technology through Touch ID.
According to the senior vice president of Apple’s software ensure Eddie Cue, each transaction will be protected by a specially generated dynamic code using chip Secure Element, which virtually eliminates the possibility of transmitting credit card information, PIN-code and other confidential information to third parties.
It is reported that the system works with cards MasterCard, Visa and American Express. Credit card details are entered in the iPhone c using the camera, and then analyzed by a special chip NFC, which enables the exchange of data between devices at a distance of about 10 cm.
Apple unite system accounts iTunes and App Store, which store data of 800 million credit card numbers.
Payment Visa and MasterCard have already confirmed their support for consumer payments with devices Apple. As the director of digital technologies Visa Europe, Steve Perry, Apple’s decision to enter this market reflects the scale of the opportunities that exist today in the segment of digital payments. According to him, support for Apple will promote greater use of contactless services worldwide.
«Today in stores throughout Europe have already installed more than 1.5 million contactless terminals Visa, and all of them are ready to accept mobile payments. We look forward to the “halo effect”, which will benefit all the players of the ecosystem of mobile payments, “- he concluded.
« Apple has a tradition of market introduction of breakthrough products that are really important to customers. Interaction Apple Pay and MasterCard payment technologies will give consumers a simple and safe to make purchases, “- said the director for emerging markets MasterCard Ed Maklaulin.
Apple Pay payment system will be launched in the United States with October 2014. At the time of start-up support for new technology by six major American banks and 22 thousand. Outlets. It is expected that the list will grow rapidly, and eventually the payment system will be launched in other countries.
On the integration with Apple Pay the beginning of October also announced service collective bargaining unit Groupon and American chain restaurants McDonald’s.
«Given that our application has nearly 92 million downloads worldwide and more than half of our operations are carried out from a mobile device, Groupon is the largest operator of mobile commerce in the world” – are reported of the words General Director Eric Lefkofski Groupon. He also noted that the integration of Apple Pay with Groupon mobile applications easier to find and purchase products.
«Apple Pay will help strengthen our innovation strategy and will be a great help to clients who deserve the greatest simplicity and speed of service,” – Senior Vice President of McDonald’s Atif Rafiq.
«In the United States the market is fully ready for the introduction of such a system, and its introduction will bring guaranteed income as Apple, and other companies participating. The list will grow rapidly as the owners of new iPhone 6 priori are active solvent consumers and e-commerce market the United States is growing rapidly. Apple’s strength quickly create a network of retailers and online stores where the system will be used extensively. It will promote not only the system itself, but also the entire market in particular, as this innovation certainly will catch competitors “- said” the Newspaper “senior analyst iKS Consulting Maxim Savvatin.
According to him, the system Apple Pay quickly become popular in Europe and developed Asian countries, but in Russia the share of penetration of such systems is minimal, so that users are likely to would react to the new service with a grain of salt.
In addition, the success of Apple Pay in Russia largely depends on the position of the state and changes in the geopolitical situation.
Savvatin also questioned the absolute safety of the new system. “Given the power of modern hackers, I do not exclude the frequent cases of theft of personal data, though Apple will focus on security at system startup” – said the expert.
Recall that during Tuesday’s launch of a new line of smartphones Apple Inc. introduced Two models – iPhone 6 and iPhone 6 Plus – with a diagonal screen 4.7 and 5.5 inches, and watch Apple Watch.
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