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How a reactor works on a submarine. How do I use Apple Pay in Russia? Complete guide. Payment card information could be compromised

In the era of the development of mobile payments, IT companies come up with more convenient and quick ways to part with money for their users. So, Apple has developed a new payment system that allows you to pay for purchases in offline stores and the Internet using a smartphone or computer. Apple has managed to rethink our wallets and bank cards with you, carefully and safely "stacking" them in our smartphones. As you already understood, the article will focus on this particular payment system. What Apple Pay? How it works? How do I set up Apple Pay? And why is this needed at all?

System requirements

Before setting up Apple Pay on iPhone or you need to make sure that your devices support this technology. The following smartphones are suitable for these purposes:

iPhone 5 (if connected to Apple Watch)
iPhone 5s (if connected to Apple Watch)
iPhone 6 (and Plus version);
iPhone 6s (and Plus version);
iPhone SE (2016 and 2017)
iPhone 7 (and Plus version).

If you have a smartwatch from Apple, then any iPhone starting with the fifth model is suitable for setting up Apple Pay.

Banks supporting the payment system

The emergence of such a novelty must have been accompanied by cooperation with regional banks. Fortunately, our banks have received quite a warm welcome from Apple Pay in the country. Do you know who was the first to connect to the new payment system? Sberbank. Even this orthodox bank liked Apple Pay, to be sure of the others.

Naturally, the list of supported banks includes:

Tinkoff Bank;
GAZPROMBANK;
Otkritie Group (together with Rocketbank);
"VTB 24";
"Alfa Bank";
Plus the electronic payment service "Yandex.Money".

FROM complete list banks can be found on the official website of the payment system, there are also indicated the restrictions that apply to certain cards. Some banks support MasterCard, but for some reason refuse to service Visa.

How do I set up Apple Pay? Instructions

All iPhones and preinstalled with the Wallet app. We will need it to work with the payment system. Open it, click on the "Add card" button and in the window that appears, enter your card details (if you want to use the one you already use for purchases in iTunes, it will be enough to select this sub-item and proceed to check by the bank). This will be followed by checking your card. This usually takes less than a minute. Some banks require personal confirmation or confirmation using an SMS code.

Do not forget that to work with the payment system, you need a card that supports contactless payments, that is, one that has the PayPass or PayWave logo (well, and an NFC chip, respectively).

How do I pay with Apple Pay in stores and metro?

If all the previous stages of preparation are completed, then you can go shopping. We go to the store and find the terminal we need there (it must be a terminal that accepts payments via NFC). We put our finger on the fingerprint scanner and hold the phone 2 centimeters from the terminal itself. Apple Pay will automatically activate and proceed with the payment.

After a few seconds, a green checkmark will light up on the screen of your smartphone, confirming the successful operation. If you have several cards attached and you usually pay through VTB 24, but now you need Sberbank, Apple Pay offers the opportunity to select a card before purchasing. To do this, double click on the Home button and select the default map. If you are planning a trip on the subway and have set up Apple Pay on your Apple Watch, you can use it to pay for your trip. To do this, you don't even need to take the phone out of your pocket, just double-click on the keys on the watch case and turn the watch "face" to the payment terminal.

How do I pay with Apple Pay online and in apps?

An important feature of Apple Pay, in comparison with other services, is the ability to make purchases on the Internet and third-party applications. This is also done simply:

find a program or site that supports the payment system;
choose a payment method using the "apple" payment system (usually it is a big black button with an apple);
enter the delivery and billing address;
we confirm the purchase using Touch ID.

Purchases can be made not only from a phone, but also from a computer, however, purchase confirmation still occurs on a smartphone, since not all Apple computers are equipped with a fingerprint scanner.

Payment security

What is Apple Pay? It is the safest wallet in the world. Apple devices, like all technologies involved in them, have always amazed with their level of security. It is simply impossible to penetrate the iOS operating system and steal data from it. Apple and this seemed a little, so they developed a special tokenization system, when your card data is stored on the phone and transmitted to the terminal in encrypted form (a set of numbers is transmitted instead of a card or account number). This greatly enhances the security of each individual payment.

At the same time, data cannot be stolen physically, as is the case with conventional NFC cards. If you bring a portable payment terminal to a standard card, the card will automatically pay for the purchase and will not require any confirmation. The phone, in any case, will require verification using Touch ID, which means that no one except you can spend money using your smartphone.

Impressions, reviews, discounts

Russian users reacted to the new technology quickly enough and immediately began testing it with might and main. A lot of posts about the new payment system instantly appeared on the Internet. Some did not immediately figure out how to set up Apple Pay, and therefore were angry on the Web, until they finally coped with the progress and did not thoroughly study the instructions.

The company literally forced many users to try Apple Pay by launching a large-scale advertising campaign with discounts and bonuses from various stores and cafes. Free movie tickets, half-price burgers and discounted metro fares did the trick. A huge audience of users at least once, but resorted to using Apple Pay, thereby provoking an unprecedented growth in the popularity of this technology. Most of all, the novelty scared the sellers. This, in particular, affected small stores where no one was instructing, and each purchase from the phone seemed like some kind of terrible magic or fraud. A year later, the situation has changed dramatically, and such excesses do not arise. Everyone is used to it. And they are so accustomed that they are unlikely to want to refuse. Users of the payment system are seriously accustomed to this technology and can hardly imagine life without it.

Instead of a conclusion

As you can see, Apple Pay is not difficult. It's even simple, very interesting and convenient. New approach making payments will definitely change the world in the near future, if not already. Soon Apple plans to introduce the ability to transfer funds from device to device using a special virtual account Apple Cash, and this is clearly not the last step in the development of the service. Perhaps Apple will want to become a bank at all and offer to keep funds in its accounts.

Now that you know how to set up and use Apple Pay, it's time to give it a try.

In September 2017, the Apple Pay payment instrument turned 3 years old. During this time, he managed to achieve incredible popularity in America, in Europe, and above all in Asia. The statistics collected by the "apple company" are amazing: if you believe it, every second owner mobile phone in India, Thailand and Indonesia prefer Apple Pay. The geography of Apple Pay is regularly expanding: at the end of 2017, you can use this tool to pay for a purchase in exotic locations such as Jersey and Guernsey, and even in the Vatican.

Jennifer Bailey, vice president of Apple, says that 98% of Apple Pay users are happy with the mobile payments system, thanks to its simplicity and security. For a user who still prefers to roll a card with a magnetic stripe on a pin-pad, it's time to try new way - there is a high probability that he will not want to return to the former.

The principle of Apple Pay is based on technology - wireless data transmission over short distances (maximum 20 cm). The system is digitizing bank card user and encrypts information using another important component - the Secure Element chip. The information contained in the Secure Element memory is not transferred anywhere - Apple also cannot access it.

Apple Pay includes other elements:

Secure enclave - is responsible for authentication, execution of payment transactions and storage of fingerprint data.
Apple Pay Servers - the server part of the payment system, which is responsible for the status of cards entered in Wallet.

When the owner of the smartphone brings it to the pin-pad, 2 devices are paired. They start to exchange so-called tokens - randomly generated sequences of numbers. If, knowing the token, choose the key and decrypt it correctly, you will receive a bank card number. However, in reality, this task is practically impossible. It should be noted that intercepting a token is also not easy; the information is deleted immediately after the pairing is broken (that is, the transaction is closed).

The note. Apple carefully hides information about the encryption algorithm - which makes the intelligence services very angry different countries... However, the firm's stubbornness is justified - obviously, Apple understands that if it gives the key to someone, it will lose the respect of users.

Which devices support Apple Pay?

Apple Pay can be used by owners of the following devices:

iPhone 6th, 7th, and 8th generations, and X and SE models.
IPad 4, mini 3, Air 2, and Pro tablets.
Watch iWatch.
Macs released after 2012.

Apple Pay can also be set up on the 5th generation iPhones - however, in this case, you cannot do without.

How do I connect Apple Pay?

First of all, you need to link your bank card to the service. If the card is issued by Sberbank, proceed as follows:

Download, install and open the Sberbank Online application.
In the list of cards, select the appropriate one and press the button " Apple Pay».
A window will appear prompting you to add the card to Apple Wallet. Click on the appropriate button - this is what you need.
On the next screen, select the device you would like to connect Apple Pay to - iPhone or Watch. Then at the stage “ Adding a map"Press the button" Further».
Accept " Terms of user agreement».
When the message “ Map added!", Click on" Done". The card is now linked to Apple Pay.

Similarly, you can link another card to the payment system. If there are several cards, they should be managed in the proprietary Wallet application.

You can link the card without using the bank application - right in Wallet. Open the program. If there is an Apple Pay icon in the upper left corner, then the system is already activated. If not, proceed to the settings section “ Wallet & Apple Pay"And turn it on.

Then, in the Wallet app, click on “ + »In the upper right corner, enter the card details manually or take a picture of it. After that, the payment system must approve and remember the card.

If such a message appears on the screen, it means that either you are trying to link a bank card with which Apple Pay has not yet cooperated, or the card balance is less than 1 ruble. For 2017, the list of banks that support the Apple payment system is already quite extensive - it includes:

Sberbank.
VTB 24.
Alfa Bank.
Rosselkhozbank.
Promsvyazbank.
Raiffeisenbank.
MTS-Bank.
Gazprombank.
Tinkoff.

Also, all Megafon, Beeline, Kukuruza, Yandex.Money cards are tied to Apple Pay.

How do I use Apple Pay?

To pay for a purchase via Apple Pay, just bring the gadget to the pin-pad and put your finger on Touch ID, thus confirming the withdrawal of funds.

You need to pay with Apple Watch in a slightly different way: you should double-click on the button, which is located on the right end of the watch, and turn the device with the screen towards the pin-pad. A characteristic sound will be heard - this means that the payment was successful.

If the purchase amount exceeds 1,000 rubles, you may need to enter a pin code or sign on the display.

The note. At the time of payment, the Internet must be activated on the gadget - mobile or Wi-Fi - for data exchange. If your iPhone is in airplane mode, you won't be able to pay for your purchase.

Many users are interested in this question: do you have to pay a commission for using Apple Pay? True, there is a commission, but it is not the owners of devices that are obliged to transfer the percentage, but banks and payment systems MasterCard and Visa - 0.15% from each transaction. The users themselves do not overpay anything.

Conclusion

The Apple Company continues to improve Apple Pay. With the release in 2017, iPhone owners have the opportunity to produce direct remittance... The service that allows you to do this is called Apple Pay Cash; alas, it operates only in the United States so far. However, as before Russian Apple Pay Cash will arrive sooner or later, no doubt about it.

Also, Apple is actively expanding the geography of its payment system. According to rumors, Apple Pay will soon appear in other countries of the former CIS. The first is Belarus.

And now, a few days after that, Samsung's main competitor also launched its similar product in Russia - Apple Pay... They are almost completely similar, which is why jokes constantly appear on the Internet about who stole the idea from whom. Although, of course, this is nothing more than fiction.
And the third mobile payment system, Android Pay, is not far off, which will not keep you waiting. But we will talk about it separately when it appears in our country. In the meantime, let's take a closer look at the apple payment service. After all, for many iPhone owners it will be not only interesting, but also very, very convenient!

How does Apple Pay contactless payment system work ?!

Everything is very simple here! An electronic copy of the bank card is made on the phone, which is stored in a special secure storage, separated from the operating system for security purposes.
At that moment, when you need to pay in a store or other place, you simply take out your phone and attach it to the terminal. Further, due to the technology very close to the well-known BlueTooth, data is exchanged between them and the payment is made.

The pros are obvious:
+ You don't have to carry a credit or debit card with you all the time, as it is now stored in the phone, which is always at hand for a modern person.
+ You do not "shine" your card and its pin-code.
+ From a security point of view, Apple Pay is also very, very reliable. When making a payment, a secure one-time token is transferred from the phone to the terminal. Even if the attackers manage to intercept the data exchange, this will give them nothing.
+ Even if you lose your iPhone or it is stolen from you, you will not be able to use a mold of your card. Access to it is possible only with the owner's fingerprint.

Cons of the service:
- Unfortunately, bank terminals with support for contactless NFC technology in Russia are not yet as widespread as abroad. But gradually the old devices will be replaced by new ones.
- so far Apple Pay in Russia only works with masterCard cards... VISA support is promised, but how soon is not yet known.
- Banks working with Apple Pay are still few in number. During the first month it will be only Sberbank. Later, the list will expand to 10 banks, including VTB, Tinkoff, Alfa-Bank, Otkritie, Yandex.Money, BinBank and Raiffeisenbank. And how it will expand in the future is not yet known.

What devices does Apple Pay work on?
List of devices that can work with payment service as of October 2016 is as follows:

IPhone SE iPhone 6 iPhone 6 Plus iPhone 6S iPhone 6S Plus iPhone 7 Plus iPhone 7S iPhone 7S Plus iPhone 7 iPad Pro iPad Air 2 iPad mini 3 iPad mini 4

It is also worth noting that contactless payments can be made using Apple Watch.

To do this, you must first link the map in the MyWatch application. Then, when making a payment, simply bring the smart watch to the bank terminal.

How to set up Apple Pay on iPhone and iPad ?!

In principle, there is no need to somehow tricky set up an iPhone in order to use contactless payments. The main thing is that you have the latest version of iOS installed on your device.

Now a frame will appear on the screen, in which, using the smartphone camera, you need to place your bank card. Like this:

In principle, the data from the iPhone card should be recognized on its own, but if it does not work out, you will need to do it yourself:

Also, you will need to enter the expiration date and security code.

Note:
If you are a client of Sberbank, then you can also add a card directly from the Sberbank Online application. To do this, there is a separate item "Connect Apple Pay":

There you also need to take a picture of the memory card and go through the verification via SMS code.

If you still have questions and do not understand how apple Pay works, watch the video:

September 9, 1952, signed by I.V. Stalin Resolution of the Council of Ministers of the USSR on the creation of a nuclear submarine (PLA). The general management of research and development of the facility was assigned to the CCGT under the USSR Council of Ministers (B.L. Vannikov, A.P. Zavenyagin, I.V. Kurchatov), \u200b\u200band the construction and development of the ship's part and weapons was assigned to the Ministry of Shipbuilding Industry (V.A.Malyshev, B.G. Chilikin). The scientific leader of the work on the creation of an integrated nuclear power plant (NPP) was appointed A.P. Aleksandrov, chief designer of the nuclear power plant - N.A. Dollezhal, the chief designer of the boat was V.N. Peregudov.

To manage the work and consider scientific and design issues related to the construction of the submarine, Section No. 8 was organized under the Scientific and Technical Council of PSU, headed by V.A. Malyshev. Along with the Kurchatov Institute, the main work on the nuclear power plant was entrusted to Laboratory "B", and its director D.I. Blokhintsev was appointed deputy scientific supervisor. By a resolution of the Council of Ministers, Laboratory "B" was entrusted with the execution of theoretical and theoretical work, the development of fuel elements, the construction and testing of an experimental submarine reactor.

The first and most important task was to select the type of reactor as the main source of energy, as well as the overall appearance of the power plant. At first, these were reactors based on graphite and beryllium moderators with heat-generating pipes carrying pressure, similar in type to the First NPP under construction then. Installations with heavy water as a moderator appeared somewhat later. And only then (and at that rate it was one month!) A pressurized pressurized water reactor appeared.

Thus, from the very beginning, Laboratory B considered two variants of nuclear power plants for submarines: with a water coolant and a lead-bismuth liquid metal coolant. On the initiative of A.I. Leipunsky, work on the creation of nuclear transport facilities was started in Laboratory "B" back in 1949.

By this time, it was known that work was underway in the United States on two types of installations: thermal neutron reactors with pressurized water and intermediate neutron reactors with sodium coolant. Therefore, work on the creation of power plants for nuclear submarines was deployed in two directions: pressurized water reactors and reactors with a liquid metal coolant.

The choice of a lead-bismuth eutectic alloy as a coolant for nuclear reactors was made by A.I. Leipunsky even before the beginning of the deployment of work in the USSR on nuclear submarines. As the chief designer of the nuclear power plant N.A. Dollezhal: “This option was especially supported by D.I. Blokhintsev, at that time the director of Laboratory B in Obninsk, where Academician Alexander Ilyich Leipunsky worked on the use of fast neutron technology. His idea was that it was possible to create a nuclear power plant for a submarine, in the reactor of which a liquid metal (for example, an alloy of lead and bismuth) would be used as a coolant, and it could be heated to a sufficiently high temperature without creating pressure. A.I. Leipunsky was an outstanding scientist, and there was no reason to doubt the seriousness of his proposals. "

The scientific leader of the work on the creation of reactors with a liquid metal coolant was A.I. Leipunsky, and after his death in 1972 - B.F. Gromov. Projects of serial reactor installations for submarines were developed by OKB Gidropress (Podolsk) and OKBM (Moscow). Nizhny Novgorod), and the projects of the ships themselves - the St. Petersburg Marine Engineering Bureau (SPMBM) "Malachite".

Unlike the Americans, A.I. Leipunsky proposed and substantiated a lead-bismuth eutectic alloy as a coolant, despite its worse thermophysical properties in comparison with sodium. Subsequent experience in the development of these competing areas confirmed the correctness of the choice he made. (After several accidents at the prototype ground stand and an experimental submarine, work in the United States in this direction was terminated.)

One of the first problems arose at the very beginning of work in substantiating the neutron-physical characteristics of a reactor with an intermediate neutron spectrum, which was formed in the core, due to the large neutron leakage caused by the small size of the reactor and the use of a beryllium moderator. A.I. Leipunsky set before V.A. Kuznetsov, the task of creating a critical assembly on which it would be possible to test the methods and constants for calculating the intermediate reactor. Such a critical assembly was created in 1954. But on March 11, 1954, during the critical mass gain, the reactor accelerated on prompt neutrons. A.I. Leipunsky and all the physicists involved in the experiment were urgently hospitalized in Moscow.

The problem could be solved only with the presence of large-scale experimental stands, on which the equipment would be tested in conditions close to full-scale ones. Therefore, in 1953, on the basis of Laboratory B, the construction of full-scale prototype stands of nuclear power plants with water cooling (stand 27 / VM) and liquid metal cooling (stand 27 / VT) began, which were put into operation in 1956 and 1959, respectively. These stands were the reactor and turbine compartments of nuclear submarines. For a long time they became the main experimental base of the IPPE and the Kurchatov Institute for testing new types of reactors, as well as the base of the Obninsk Naval Training Center for training submarine crews.

Cruising nuclear submarine K-27 (project 645)

The first Soviet cruising nuclear submarine K-27 (project 645) with a nuclear power plant cooled by liquid metal, in 1963 successfully passed state tests. In 1964, she made a long voyage to the equatorial Atlantic, during which (for the first time in the Soviet Navy) she covered 12,278 miles in 1240 sailing hours (51 days) without surfacing. The boat commander I.I. Gulyaev was awarded the title of Hero of the Soviet Union. The sailors praised the nuclear power plant. One of the creators of the nuclear power plant, chief engineer of stand 27 / VT K.I., took part from Laboratory "B" in this unique trip. Karikh. In 1965, the K-27 made its second cruise, becoming the first Soviet nuclear submarine to secretly penetrate the Mediterranean.

At this time, the creation of a series of boats of the second generation with nuclear power plants, using a lead-bismuth liquid metal coolant, was launched. In the early 1960s, in connection with the creation and launching of combat patrols in the ocean of US submarine missile carriers, which were called "city killers" in the Western world (by the type of target selection - their missiles were aimed at our cities), the USSR made a decision on the creation of special anti-submarine submarines. One of the points of the program was the task of building a small high-speed automated submarine fighter boat, i.e. fighter "city killers".

The design of a nuclear submarine of Project 705 (Soviet code "Lira") began after the release of the Resolution of the Central Committee of the CPSU and the Council of Ministers of the USSR in the summer of 1960. The main task is to create a highly maneuverable, high-speed, small displacement submarine with nuclear power plants, with a titanium hull, with a sharp reduction in number crew, with the introduction of new types of weapons and technical equipment.

The most important element of the steam-generating installation of the new boat was a lead-bismuth nuclear reactor developed under the scientific supervision of the IPPE. Heavy biological shielding and low steam parameters of a nuclear power plant with a pressurized water reactor (at that time) led to a large specific gravity of the reactor installation. The new reactor with a liquid metal coolant made it possible to reduce the displacement, the diameter of the strong hull and the length of the submarine, and to increase the underwater speed. Due to this, the fundamental differences of the new steam generating unit were compactness, block layout, high degree of automation and maneuverability, good economic and weight and dimensions.

Nuclear submarine project 705

A special place in the development of reactors with lead-bismuth coolant was occupied by the problem of the technology of this coolant. This phrase refers to methods of monitoring and maintaining the required quality of the coolant and the cleanliness of the primary circuit during the operation of the reactor plant. The importance of this problem was realized after the reactor accident on the K-27 boat in May 1968. Appropriate methods and devices for maintaining the quality of the coolant were developed when the construction of the planned series of submarines of projects 705 and 705K was completed.

The first cruising submarine of the new type K-64 was put into trial operation in December 1971. And although only six ships of this type were in combat in the fleet, the appearance of a new Soviet anti-submarine submarine in the ocean made a lot of noise and became an unpleasant surprise for the US Navy. American submarine strategic missile carriers were placed in a difficult tactical position. The small size of the Project 705 submarines, a significant range of diving depths, and a high full speed allowed it to maneuver at maximum speed, which is impossible for all other types of submarines, and even evade anti-submarine torpedoes. The ships of this project for their speed and maneuverability were included in the "Guinness Book of Records".

“Now, looking back,” writes the chief designer of SPMBM “Malakhit” (where the project of the boat was developed) R.A. Shmakov, - it should be admitted that this boat was project XXI century. She was ahead of her time by several decades. Therefore, it is not surprising that for many specialists, testers, and naval personnel it turned out to be too difficult to master and operate. "

“The idea of \u200b\u200bcreating such a boat, which became the Project 705 submarine,” notes the deputy chief designer of the project B. Grigoriev, - could be realized only in the 1960s, when Soviet society was on the rise, new directions of scientific research and development were opening up, and the country's defense was the most important state priority. " “Project 705 nuclear submarine,” according to the definition of the Secretary of the CPSU Central Committee and USSR Minister of Defense D.F. Ustinov, - has become a national task, has become an attempt to make a breakthrough to achieve military-technical superiority over the Western bloc. "

The commanders and officers of submarines with reactor installations developed at the IPPE gave a very high assessment to the submarine and its nuclear power plant, calling it a "miracle boat", well ahead of its time.

Today it can be considered generally accepted that at the IPPE under the leadership of A.I. Leipunsky laid the foundations for a new direction of nuclear power, and also demonstrated on an industrial scale a unique reactor technology. This made it possible to ensure the compactness of the reactor plant, which is important when creating submarines of limited displacement, to ensure high maneuverability, and to increase the reliability and safety of the reactor plant.

A great contribution to the development of this direction was made by A.A. Bakulevsky, B.F. Gromov, K.I. Karikh, V.A. Kuznetsov, I.M. Kurbatov, V.A. Malykh, G.I. Marchuk, D.M. Ovechkin, Yu.I. Orlov, D.V. Pankratov, Yu.A. Prokhorov, V.N. Stepanov, V.I. Subbotin, G.I. Toshinsky, A.P. Trifonov, V.V. Chekunov and many others.

Not so long ago, making purchases using a phone would be called fantasy by many of us. And today, for more and more people, this is a completely familiar reality. Apple Corporation was the first to present such, of course, a useful option for its gadgets. If you own an iPhone 6, you can choose this secure and modern payment method today. how to use it, we will describe in detail below.

About Apple Pay

Apple Pay is a universal, simple and secure means of payment, available not only for iPhones, but also for iPad, MacBook Pro. It can be used to pay both in regular stores and in online markets and applications. IN large cities the world is also improving public transport fares using this technology.

Before setting up and using Apple Pay, make sure you have the following:

a bank card, the issuer (issuing bank) of which supports this technology;
the latest version of iOS on your gadget;
iCloud login on the phone, digital password and Tooch ID configured.

You can add up to 8 bank and / or bonus (the latter is not available in all countries) cards to one device.

Set up Apple Pay on iPhone

You will see that setting up this payment system is as easy as using it. The instruction consists of the following simple steps:

Go to the Wallet app (read more about it below).
Tap on "Add payment card", click on "Next".
If you have linked any card to pay for purchases in iTunes, then you will only need to enter its 3-digit security code.
Otherwise, you need to place the card "face" in a frame so that it can be scanned by the back camera of the gadget, or enter the necessary information manually - number, expiration date, first and last name in Latin.
Then enter in the required window the security code from the card back.
Read carefully the terms of service of your issuing bank. If you agree with them, click "I Agree".
Choose one of the suggested ways to register your card with Apple Pay. For example, via SMS. In this case, a digital code will be sent to the phone number associated with it, which must be entered into the desired window.
Tap "Done" - your iPhone and card are ready to pay with Apple Pay!

About Wallet

A little about the application - the universal wallet Wallet. This is where not only the credit or debit you added now can be stored bank card, but also gift certificates, boarding passes, discount and bonus cards, cinema, theater, museum or exhibition tickets. You can always read useful informationwhich they contain: balance, expiration date, place or number, etc.

You can add a card in any convenient way:

via "Mail" or "Messages";
using the Wallet barcode scanner;
through a browser;
via shared Airdrop;
through applications that support this "wallet";
via pop-up notification when paying with Apple Pay.

Using Wallet on iPhone is straightforward. If the map has information about the location and time, where and when you need it, it opens automatically at the right time. You can also quickly open the map by double-clicking on the Home button. When activating automatic selection for a particular card, it is enough to bring the phone to the seller's contactless reader, holding your finger on the Tooch ID.

By clicking on the "i" ("information") icon next to the added map, you can do the following:

remove it;
make it open to all your Apple devices;
update her details (just drag the screen down);
open / install an application issued by the issuer of this card;
activate / deactivate automatic updating of card information;
enable or disable the appearance on function;
make active or cancel the automatic selection of this card during purchases.

How to Use Apple Pay: The Ultimate Guide to In-Store Payments

Payment for purchases in the store is as follows:

With Apple Pay, you can pay for goods and services only in terminals marked with the Apple branded apple icon and Pay.
After the merchant's contactless terminal is ready to exchange data, simply place your finger on the Tooch ID sensor button and bring the device about 2.5 cm to the terminal.
The system itself will choose the card for which the "Automatic selection" is set.
Hold the smartphone near the terminal until "Ready" is displayed.
If you want to pay for the purchase with another card from Wallet, then bring your iPhone to the terminal without touching Tooch ID. Select the desired card on the gadget screen.

Pay attention to these nuances before using Apple Pay on:

A purchase can only be made if you have Internet access.
Some stores may ask you to additionally enter the PIN of your bank card or sign the receipt that will be displayed on the smartphone screen.
If the terminal requires you to enter the last four digits of your card, then you need to enter Wallet, click on the "i" icon next to desired card and enter the numbers shown next to the "Device account number". In this case, they are a full-fledged substitute for the bank card number.
If the terminal asks you to choose between credit and debit card on your screen, you should settle for credit.

Virtual purchases with Apple Pay

Consider using Apple Pay for in-app purchases:

You can pay for a particular purchase by clicking on the button-combination of the branded apple and the Pay inscription, as well as with the prefixes Buy with ..., Donate with ...
Check all the data or enter the required ones.
If you need to pay with another card, then tap on "\u003e" next to the one offered.
Place your finger on the Tooch ID sensor as prompted by the system.
Do not remove your hand until Done appears.

Now let's take a look at how to use Apple Pay on iPhone 6 when shopping on websites:

Find the familiar Buy with Apple Pay button, click it.
Check the data, enter the required information.
Make a purchase by placing your finger on the Tooch ID sensor when prompted by the system.
Remove your hand as soon as "Done" appears.

Let's turn to specific examples payments with Apple Pay in Russia.

Issuing banks and stores that support Apple Pay in Russia

Credit institutions-issuers, payment systems that support Apple Pay:

Sberbank;
VTB 24;
"Alfa Bank";
Tinkoff;
B&N Bank;
Beeline;
Promsvyazbank;
Gazprombank;
"Opening";
"Bank "Saint-Petersburg";
"Corn";
"Megaphone";
"Yandex money";
Rocketbank;
"Russian standard".

Before using Apple Pay on iPhone 6, you probably wanted to know which stores and establishments have terminals that use this payment option. Today there are more than a hundred thousand of them. Among them:

"Auchan";
"Tape";
"M Video";
"Pyaterochka";
"Burger King";
Starbucks;
"El Dorado";
"Carousel";
"Messenger";
"Crossroads";
"Mediamarkt" and others.

Applications and sites where you can use this means of payment:

Rambler-cash desk;
Aeroflot;
"Poster";
"Kinopoisk";
Yandex.Taxi;
"Platypus";
"Biglion"
OZON;
Lamoda, etc.

About safety

Before using Apple Pay on iPhone 6, it's important to make sure that these payments are secure. For objective reasons, this means of payment is considered more reliable than traditional bank cards:

To pay, you only need your fingerprint or a digital code that only you know.
Your card number is not stored on your smartphone and on the Apple server.
When paying, your card number and personal data are not available to the merchant.
Transaction information is anonymous.
With virtual purchases, the seller sees only the data about you that you enter.

If you lose your iPhone or have it stolen, then no one else will be able to pay for their purchases through Apple Pay, because it is impossible without a code and your fingerprint. In addition, the service of this payment system can be suspended remotely by contacting the support service of the issuing bank, or through "Find iPhone". In this case, the lost device does not have to be connected to the Internet.