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Apple Pay on pace to account for 10% of global card transactions

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Re: Apple Pay on pace to account for 10% of global card transactions

#431

Post by mehrdada »

nielsbot wrote: post #348
bret791 wrote: post #279

Earlier quoted context omitted.

Mostly there, you get a tokenized PAN (DPAN) for every card enrollment. Remove, and re-add a card to your digital wallet and you'll get a new DPAN. The unpredictable number is an (of a few) inputs into the generation of the CVV3, which is also based on a dynamic key from the issuer. Key rotation is on the order of weeks to months (depending on issuer). This is the "unique number" per transaction (part of tag 57 https…

I think there's also a button in settings to get a new card number?

That's an Apple Card thing I believe, not Apple Pay--and it rotates a different card number than the one in your physical Apple Card or device-specific card number. It's the one you're supposed to use on legacy online stores and rotating it is similar to ShopSafe, etc.

Re: Apple Pay on pace to account for 10% of global card transactions

#432

Post by muppetman »

sjwright wrote: post #428
muppetman wrote: post #352

Earlier quoted context omitted.

I live in New Zealand and both Google Pay and my Garmin watch have unique numbers. This doesn't seem to be Apple exclusive at all? I have 2 Garmin watches, 2 Google Pay capable devices and a single physical card and the numbers are all different. At least, the last four digits are.

Nobody said it was an Apple exclusive. But to be fair, after trying to do payments in various other ways, Google eventually built their Android payments platform to be an almost perfect 1:1 recreation of Apple Pay. (And this is a recurring theme with Android. I'm not saying Google aren't within their rights to build things however they wish, but it is remarkable how often Google make loud smug noises about how they'v…

How does one read "However a seemingly trivial but important difference with Apple Pay is that it doesn't use your physical card number" that as not suggesting it's something only Apple does?
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