![]() Put differently, there exists no master key to reverse engineer them. Over and above that, it's likely that Apple Pay tokens are not mathematically generated, which is to say that they can't be decrypted back into a credit card number because encryption isn't even part of the equation. The key thing to remember about tokens is that they hold no intrinsic value and cannot be used, by themselves, to perform any type of monetary transaction. Tokens by themselves are worthless and cannot be decrypted The token is used in place of an actual credit card number and is what Apple, in its marketing materials, refers to as a unique Device Account Number. Upon determining that the credit card account is valid, a token is sent back down to the device whereupon it's safely stored within the iPhone's Secure Element. When a user first signs up for Apple Pay, either via an existing iTunes credit card or by loading a new one onto the iPhone, the card information is immediately encrypted and securely sent to the appropriate credit card network. Similarly, no credit card data is ever transmitted to or stored on a merchant's servers. ![]() With Apple Pay, no credit card data - even in encrypted form - is ever stored on the iPhone or on Apple's servers. That said, here's how Apple Pay operates and why it's so secure.Ĭredit Card information isn't part of the equation ![]() Additionally, a number of the technical aspects of the financial and logistical processes that govern Apple Pay can be gleaned from the EMV Payment Tokenisation Specification Technical Framework which can be downloaded here. In putting this post together, I was able to talk to a few individuals involved with the development of Apple Pay who were able to shed a tiny bit of light on Apple's foray into the world of mobile payments. Note that this article is meant to paint the Apple Pay process in broad strokes, as a good portion of the nitty-gritty technical details aren't yet publicly known and, due to security considerations, may never be fully disclosed. To understand why, below is a general overview of how the system works behinds the scenes. In fact, it may very well be the safest way to make any type of credit card payment. The reality, though, is that Apple Pay is an exceedingly secure mobile payment platform. In choosing to voluntarily engage in avalanche courses or programs or recreate in outdoor, backcountry and/or wilderness settings, participants must understand that they accept and assume the inherent risks of these activities, and share in the responsibility for their own well-being and the well being of others on the course, program or trip.With Apple Pay slated to go live later this month, one can soon expect to see an avalanche of fear mongering from pundits who, like PayPal, will question the wisdom of trusting Apple with user credit card information. A course provider’s listing on this website does not guarantee that a course provider’s courses or programs will be safe, or that participation in that course or program will be free from harm. Those interested in taking courses from listed providers should independently investigate and assess these course providers and their specific courses and programs. A3 does not oversee, control or warrant the character or quality of listed course providers’ businesses or programs and is not responsible for the content of their specific courses or programs. Course providers operate independently of A3. A3 believes that avalanche education can be more thoughtfully, consistently and responsibly conducted and can achieve more constructive outcomes for students when course providers and avalanche instructors in the United States strive to embrace common guidelines and practices. Course providers are listed on and because individuals in the organization are members of the A3, and according to representations made by these A3 professional members, their independently developed curriculum, courses and programs are consistent with A3 education guidelines. The listing also assists individuals and organizations in connecting with avalanche education programs in their geographic region. ![]() The purpose of listing course providers on this website is as a public service to promote avalanche education by providing a critical link for the recreating public to increase their knowledge and awareness of avalanche hazards. Are you a course provider? Apply to get listed here.
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