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Apple Offers iPhone NFC Chip Access to Apple Pay Rivals in EU (www.macrumors.com)

submitted 9 months ago by [email protected] to c/[email protected]

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[–] [email protected] 7 points 9 months ago (2 children)

Bruh there is a giant icon that says "Apple servers" in that photo so I have no idea what you're talking about.

Yes, that is correct. As I pointed out, the top flow in the graphic is the provisioning flow, the flow by which Apple Pay payment credentials (device primary account number, DPAN) are created.

The bottom flow is a purchase transaction flow, that’s what occurs when a user is making a purchase transaction at a store. There is no involvement from Apple Pay servers in processing those transactions. Credentials are sent from the device, to the point of sale terminal, to the acquirer, to the card network, to the card issuer, and back again.

It's literally called "Apple Pay" and you're gonna try to convince me that Apple has nothing to do with processing payments? Not likely.

In case you’re not just trolling, I encourage you to learn more about this topic. It’s pretty cool how Apple Pay works.

[–] [email protected] 8 points 9 months ago (3 children)

In case you’re not just trolling

At this point I vote we just consider it trolling. The best case alternative is that it's merely aggressively-protected ignorance, and that's not worth engaging with either.

[–] [email protected] 5 points 9 months ago (1 children)

Agreed. In any case, hopefully someone finds this thread informative!

[–] [email protected] 4 points 9 months ago

Hey, OP commenter here, you have been fully correct throughout this thread. Here is an apple engineer explicitly stating that you're correct.

I work with this technology, as well as dozens of actual payments processors, every day, so I find what they're saying absurd and ... just, the strangest hill to die on.

I've tagged them as a troll. If your app allows it, I suggest you do the same.

[–] [email protected] -5 points 9 months ago (1 children)

As I pointed out, the top flow in the graphic is the provisioning flow

If you remove the "provisioning flow" does the payment still get processed?

I encourage you to learn more about this topic. It’s pretty cool how Apple Pay works.

And I encourage you to Google the words "payment" and "process".

I know how it works.

[–] [email protected] 3 points 9 months ago (1 children)

If you remove the “provisioning flow” does the payment still get processed?

I think I catch your meaning: it seems you’re arguing that provisioning is a necessary prerequisite to using Apple Pay.

While that is true that you must have set up Apple Pay in order to use Apple Pay, the provisioning flow is not part of payment processing.

A good definition of what is meant by payments processing (from Stripe):

Payment processing is the sequence of actions that securely transfer funds between a payer and a payee. Typically, it involves the authorization, verification, and settlement of transactions through electronic payment systems.

In that process, detailed in the flow diagram from my earlier comment, Apple Pay servers do not play a role.

I know how it works.

Ha! Well all the best to you.

[–] [email protected] -4 points 9 months ago* (last edited 9 months ago)

I think I catch your meaning: it seems you’re arguing that provisioning is a necessary prerequisite to using Apple Pay.

No, that's not what I said. I said "provisioning" is part of the payment process. If you remove Apple Pay, there is no payment processed. Ergo Apple Pay is part of the process. This is not complicated.

Payment processing is the sequence of actions that securely transfer funds between a payer and a payee. Typically, it involves the authorization, verification, and settlement of transactions through electronic payment systems.

I don't understand how you can write that out and then immediately turn around and tell me that Apple Pay has nothing to do with any of it, because it's describing the process of Apple Pay very clearly and succinctly.