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Apple Pay is a mobile payment and digital wallet service by Apple Inc. that lets users make payments using the iPhone 6, 6 Plus, and later, Apple Watch-compatible devices (iPhone 5 and later models), iPad Air 2, iPad Pro and iPad Mini 3 and later. Apple Pay does not require Apple-specific contactless payment terminals, but can work with existing terminals. ==Service== Apple Pay lets mobile devices make payments at contactless points of sale and in iOS apps. It digitizes and replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals. It is similar to contactless payments already used in many countries, with the addition of two-factor authentication. The service lets Apple devices wirelessly communicate with point of sale systems using a near field communication (NFC) antenna, a "dedicated chip that stores encrypted payment information" (known as the Secure Element), and Apple's Touch ID and Wallet.〔 The service is compatible with the iPhone 6, 6 Plus, 6S and 6S Plus and the Apple Watch. Users with iPhone 5, 5C, 5S, 6, 6 Plus, 6S and 6S Plus can use the service through an Apple Watch, though it lacks Touch ID security.〔 Instead, Apple Pay is activated with a passcode and will remain active for as long as the user wears the Apple Watch. The service keeps customer payment information private from the retailer, and creates a "dynamic security code () generated for each transaction".〔 Apple added that they would not track usage, which would stay between the customers, the vendors, and the banks. Users can also remotely halt the service on a lost phone via the Find My iPhone service.〔 To pay at points of sale, users hold their authenticated Apple device to the point of sale system. iPhone users authenticate by holding their fingerprint to the phone's Touch ID sensor,〔 whereas Apple Watch users authenticate by double clicking a button on the device.〔 To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID.〔 Users can add payment cards to the service in any of three ways: through their iTunes accounts, by taking a photo of the card, or by entering the card information manually. In the United Kingdom, payments using contactless cards are limited to £30 (previously £20 until August 2015) as they have only one-factor authentication. Although payments using Apple Pay have two-factor authentication and no transaction limit, they are in practice subject to the previous £20 transaction limit until retailers upgrade the software in their terminals to support the latest network contactless specifications.〔(【引用サイトリンク】title=About Apple Pay for merchants in the UK )〕 Apple assumes some liability for fraudulent use of the service.〔 Banks are expected to carry the burden of the service, and Apple is said to have negotiated smaller transaction fees. In turn, the banks hoped to capture purchases that were formerly handled without credit.〔 ''Financial Times'' reported that Apple receives 0.15% cut of US purchases made with the service,〔 but, following the UK launch, reported that Apple's cut is much lower in the UK. This is largely because Regulation (EU) 2015/751 capped interchange fees in the European Economic Area at 0.3% for personal credit cards and 0.2% for personal debit cards with effect from June 8, 2015.〔(【引用サイトリンク】url=http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv:OJ.L_.2015.123.01.0001.01.ENG )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Apple Pay」の詳細全文を読む スポンサード リンク
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