Does Apple Pay-processing use each NFC-capabple iPhone's unique radio fingerprint in conjunction with the TouchID in order to authenticate payment authorization, and, if so, how does it do so? In some ways, this kind of approach may minimize some kind of fraud; but if it comes with undermining legitimate user's privacy, then it could open the door to other problems, including -- but not limited to -- other forms of fraud.

The cat-and-mouse game of payment-related fraud will continue courtesy of governmental interests in undermining privacy-enhancing practices -- and the governmental interests will probably make the cat-and-mouse game worse in scale than it would be if say the NSA were fully on board with undermining the ability of all parties to undermine privacy rights of presumably legitimate electronic systems' users.

I would assume that luxury hotels' customer communication channels and customer data are prime targets for governmental and non-governmental hackers. It's been that way for as long as I can remember.