/1 How do Apple Pay and Google Pay handle sensitive card info? The diagram below shows the differences. Both approaches are very secure, but the implementations are different. To understand the difference, we break down the process into two flows.
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/2 1. Registering your credit card flow 2. Basic payment flow
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/3 1锔忊儯 The registration flow is represented by steps 1~3 for both cases. 饾悁饾惄饾惄饾惀饾悶 饾悘饾悮饾惒: It doesn鈥檛 store any card info. It passes the card info to the bank. Bank returns a token called DAN (device account number). iPhone then stores DAN into a special hardware chip.

Sep 21, 2022 路 3:53 PM UTC

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/4 饾悊饾惃饾惃饾悹饾惀饾悶 饾悘饾悮饾惒: When you register the credit card with Google Pay, the card info is stored in the Google server. Google returns a payment token to the phone.
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/5 2锔忊儯 When you click the 鈥淧ay鈥 button on your phone, the basic payment flow starts. Here are the differences: 饾悁饾惄饾惄饾惀饾悶 饾悘饾悮饾惒: For iPhone, the e-commerce server passes the DAN to the bank.
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/6 饾悊饾惃饾惃饾悹饾惀饾悶 饾悘饾悮饾惒: The e-commerce server passes the payment token to the Google server. Google server looks up the card info and passes it to the bank. In the diagram, the red arrow means the credit card info is available on the public network, although it is encrypted.
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/7 馃憠 Over to you: Apple needs to discuss the DAN details with banks. It takes time and effort, but the benefit is that the credit card info is on the public network only once. If you are an architect and have to choose between security and cost, which solution do you prefer?
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/8 I hope you've found this thread helpful. Follow me @alexxubyte for more. Like/Retweet the first tweet below if you can:
/1 How do Apple Pay and Google Pay handle sensitive card info? The diagram below shows the differences. Both approaches are very secure, but the implementations are different. To understand the difference, we break down the process into two flows.
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Replying to @alexxubyte
Along with card cryptogram is sent as well which is unique per device so the DPAN is unique. If you use same card and add to another apple phone then U get new DPAN.
Replying to @alexxubyte
So why Apple ask for your credit card details for any purchase in iTunes? Why is it possible to save your card details for future purchases in Apple?
Replying to @alexxubyte
So,btn the bank and iPhone their is no 'Apple server ' Does this mean, to integrate another Bank u update iOS