from Hacker News

Patent on the NFC Mechanics of Apple Pay Details Its Inner Workings

by 80ProofPudding on 10/9/14, 2:32 PM with 16 comments

  • by jackgavigan on 10/9/14, 3:52 PM

    It's worth noting that tokenization isn't an Apple thing - it's something the card networks came up with a year ago: http://about.americanexpress.com/news/pr/2013/mc-visa-amex-p...
  • by drdaeman on 10/9/14, 4:02 PM

    What I don't get is how something like this could be patented. Isn't it all obvious? I think we had every single non-trivial component (single-use tokens passed over secure channels, initialize-send-retry_if_failed loops and other stuff) for years. If the "innovation" is that those are now used for payments over NFC — I don't get it. Or I've missed something novel on a quick glance.
  • by el_duderino on 10/9/14, 4:23 PM

    "That could be ideal for the forthcoming iPad, which is rumored to offer Touch ID and Apple Pay"

    Can't wait to be in line behind the person fumbling to get our their iPad to pay for a pack of gum. Phone and watch should be smooth though.

  • by discardorama on 10/9/14, 3:56 PM

    Here's a link to the patent: http://1.usa.gov/1nelibZ
  • by th0br0 on 10/9/14, 3:19 PM

  • by dan1234 on 10/9/14, 3:35 PM

    Does this mean Apple Pay won't work with existing NFC payment terminals?
  • by timdierks on 10/9/14, 5:10 PM

    Patents need have little to nothing to do with products, and any article which claims that a patent disclosure reveals something unannounced about a product can be ignored without reading.