There is no algorithm to derive the Primary Account Number if you have a token. Tokens have no meaning by themselves and are worthless to criminals if a token is stolen. Tokenization stops the original card number from being used during transactions. A token looks like a normal credit card number, but it’s not the original PAN. In the context of credit cards and Apple Pay, tokenization is used to replace the Primary Account Number (PAN, or the credit card number) with a token. The mapping from original data to a token uses methods which render tokens infeasible to reverse in the absence of the tokenization system identifier) that maps back to the sensitive data through a tokenization system. The following is a concise description from Wikipedia on Tokenization technology: Tokenization, when applied to data security, is the process of substituting a sensitive data element with a non-sensitive equivalent, referred to as a token, that has no extrinsic or exploitable meaning or value. Here we’ll try to understand the basics of Tokenization. Tokenization as a process is being adopted more and more in the payments industry. SE emulates a payment card during an Apple Pay transaction. This is used at payment terminals to perform transactions over NFC. In the iPhones after iPhone 6, and in Apple Watch, an SE is embedded into the device’s near-field communication (NFC) chip. key management) in accordance with the rules and security requirements set forth by a set of well-identified trusted authorities.Īpple Pay uses SE to store secret information associated with tokenized cards (we will talk about this later). Secure ElementĪ secure element (SE) is something that is mentioned when talking about Apple Pay, so we need to understand what it is.Īccording to Global Platform: A Secure Element (SE) is a tamper-resistant platform (typically a one chip secure microcontroller) capable of securely hosting applications and their confidential and cryptographic data (e.g. I’ll briefly discuss the security benefits as well.īefore diving in, let’s get familiar with some basic terminology. In this article, I am going to discuss how Apple Pay works in general and how it works when it is used at a physical POS terminal, specifically. No more plastic cards to carry around, and you do not have to worry about losing them (what a relief!). Mobile payments have become very popular due to the convenience and the security they offer. Learn what to do if you don’t see the item you’re looking for or if you see unexpected charges.By Dumindu Buddhika How Apple Pay Works Under the Hood Photo by Jonas Leupe on Unsplashĭo you use Apple Pay? Have you ever wondered how an Apple Pay transaction goes through? In this post, you will learn how Apple Pay works end to end. Learn what to do if you don’t see the item you’re looking for or if you see unexpected charges." Tap Last 90 Days, then select a different date range. Tap your name, then tap Media & Purchases.See your purchase history for the App Store, iTunes Store, and more - Apple Support Since Apple was the merchant you can find the receipts which we're likely also emailed to you at the time of purchase. If you are seeing "/bill" on the bank side that would indicate a charge related to an Apple ID payment method rather than Apple Pay. "View the last four digits of the card number and Device Account Number-the number transmitted to the merchant." Manage Apple Pay cards and activity on iPhone - Apple Support You will likely need to provide the merchants with your device account number so they can find them. If you have a lot of transactions from a single merchant I recommend calling them so they have time to print them for you. Then you would want to contact the merchants to request new receipts. If you need the receipts you should first get your statements so you know what transactions you need the receipts for. Depending on your bank or card issuer, you might see only initial authorization amounts, or you might see different transaction amounts from locations such as restaurants, gas stations, hotels, and rental car companies.įor the most accurate record of your transactions, refer to the credit or debit statement from your bank or card issuer." "Some transactions might look different than the final charge. See your Apple Pay transaction history - Apple Support You can see recent transactions for cards used for Apple Pay in your Wallet App but only the merchant could provide receipts showing what was purchased. The merchants would provide receipts and your card issuer would provide statements showing the card activity. Apple Pay is basically a gatekeeper between your cards and merchants you pay.
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