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Thread: Apple Pay and Rewards Network (Dining for Miles)
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Old Oct 24, 2014 | 1:51 pm
  #5  
GoodOmens
15 Years on Site
 
Join Date: Oct 2009
Location: Washington DC
Programs: AA Nothing, Marriott Gold
Posts: 585
Makes sense as only your issuing bank can decode the Device Unit Number to your credit card.

The merchant, processing network, or Visa/MC have no idea who the number belongs to. I'm assuming Dividend Dining ties in somehow with MC to pull transactions.

ApplePay 2.0 is supposed to include a rewards program so perhaps in the future this wouldn't be a issue.

Also as a side note ApplePay - it sends two numbers from the phone with each transaction - the Device Number and a one time token. The device number is the same with every transaction and the one time token is used by the bank to verify the transaction is valid.
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