苹果apple pay原理_Apple Pay的工作原理

苹果apple pay原理

by Dumindu Buddhika

通过杜敏都·佛陀卡(Dumindu Buddhika)

Apple Pay的工作原理 (How Apple Pay Works Under the Hood)

Do you use Apple Pay? Have you ever wondered how an Apple Pay transaction goes through? In this post, you will learn how Apple Pay works end to end.

您使用Apple Pay吗？ 您是否想过Apple Pay交易如何进行？ 在本文中，您将了解Apple Pay端到端的工作方式。

Mobile payments have become very popular due to the convenience and the security they offer. No more plastic cards to carry around, and you do not have to worry about losing them (what a relief!).

移动支付由于其提供的便利性和安全性而变得非常流行。 不再需要携带任何塑料卡，您不必担心丢失它们(这是一种缓解！)。

In this article, I am going to discuss how Apple Pay works in general and how it works when it is used at a physical POS terminal, specifically. I’ll briefly discuss the security benefits as well.

在本文中，我将专门讨论Apple Pay的总体工作原理以及在物理POS终端上使用Apple Pay时的工作原理。 我还将简要讨论安全性好处。

Before diving in, let’s get familiar with some basic terminology.

在开始之前，让我们熟悉一些基本术语。

安全元素 (Secure Element)

A secure element (SE) is something that is mentioned when talking about Apple Pay, so we need to understand what it is.

在谈论Apple Pay时会提到安全元素(SE)，因此我们需要了解它的含义。

According to Global Platform:

根据全球平台 ：

A Secure Element (SE) is a tamper-resistant platform (typically a one chip secure microcontroller) capable of securely hosting applications and their confidential and cryptographic data (e.g. key management) in accordance with the rules and security requirements set forth by a set of well-identified trusted authorities.

安全元件(SE)是一种防篡改平台(通常是单芯片安全微控制器)，能够根据一组安全性规则提出的规则和安全要求安全地托管应用程序及其机密和加密数据(例如，密钥管理)。公认的权威机构。

Apple Pay uses SE to store secret information associated with tokenized cards (we will talk about this later).

Apple Pay使用SE来存储与令牌化卡关联的机密信息(我们将在后面讨论)。

In the iPhones after iPhone 6, and in Apple Watch, an SE is embedded into the device’s near-field communication (NFC) chip. This is used at payment terminals to perform transactions over NFC. SE emulates a payment card during an Apple Pay transaction.

在iPhone 6之后的iPhone和Apple Watch中，SE被嵌入到该设备的近场通信(NFC)芯片中。 这在支付终端上用于通过NFC进行交易。 SE在Apple Pay交易期间模拟付款卡。

代币化 (Tokenization)

Tokenization as a process is being adopted more and more in the payments industry. Here we’ll try to understand the basics of Tokenization.

令牌化作为一种​​过程在支付行业中越来越多地被采用。 在这里，我们将尝试了解令牌化的基础知识。

The following is a concise description from Wikipedia on Tokenization technology:

以下是Wikipedia关于标记化技术的简要描述：

Tokenization, when applied to data security, is the process of substituting a sensitive data element with a non-sensitive equivalent, referred to as a token, that has no extrinsic or exploitable meaning or value. The token is a reference (i.e. identifier) that maps back to the sensitive data through a tokenization system.