Apple Pay handles 41 million transactions daily using a secure architecture that protects user data. The process involves encrypting credit card details and creating a device-specific account number (DAN), which is securely stored on the iPhone. Transactions are validated through biometric authentication and NFC communication, ensuring that sensitive information never leaves the device or reaches unauthorized parties.

•6m read time•From newsletter.systemdesign.one
Post cover image
Table of contents
Chapter 1: A Credit Card, a Wallet, and an iPhoneChapter 2: A Single Tap to Open the GateChapter 3: No Credit Card, No Cash, No ProblemChapter 4: The Problem With Contactless PaymentReferences

Sort: