Originally Posted by
Cathay Dragon 666
Curious, if Apple do not have this information on its servers, where does it have it? Locally stored on the users phone/Ipad/etc.? That cannot be right either.
That's exactly where it is, encrypted on the device.
I can pull my Apple purchase history on my Windows using ITune, and it seems to be syncing to Apple (hence its servers), and doesn't pull Apple purchase history from my Ipad (where I do all the Apple purchases).
Purchases made in the iTunes store are visible in iTunes, as it would be in any other store's portal. Apple Pay transactions are not.
Originally Posted by
stimpy
Technically Apple is very much in the middle and has access to all that is happening. Whether you choose to believe they won't use your data, now or in the future, is up to you.
Apple is not in the middle and does not have access to transaction information.
Apple Pay Press Release, Oct 16, 2014 (emphasis mine):
Apple Pay is designed to protect the user’s personal information. It doesn’t collect any transaction information that can be tied back to a user and payment transactions are between the user, the merchant and the user’s bank. Apple doesn’t collect your purchase history, so when you are shopping in a store or restaurant we don’t know what you bought, where you bought it or how much you paid for it. Actual card numbers are not stored on the device, instead, a unique Device Account Number is created, encrypted and stored in the Secure Element of the device. The Device Account Number in the Secure Element is walled off from iOS and not backed up to iCloud®
Originally Posted by
sdix
Having said that, Apple Wallet keeps a track of all my Apple Pay transactions in their App so I do have to believe somewhere in the cloud all my transactions are sitting. So while an individual may not have access to them they sure as are accessible.
Transactions are in the Wallet app and the card issuer's servers. Merchants also have a record of the transactions, but not the customer's name (unless it's provided separately).