Why has Apple been cautious about opening up the iPhone's NFC NDEF tags? Primarily, it comes down to security concerns. Apple understands that for Apple Pay to become widely adopted, consumer trust is paramount. By limiting access to the NFC controller, Apple ensures that interactions with other NFC devices are minimal, providing users with peace of mind when using Apple Pay. From Apple's perspective, maintaining the security of Apple Pay outweighs the potential benefits of an open NFC system. Since its launch three years ago, Apple Pay has not encountered any major security breaches. Last summer, some Australian banks pressured Apple to grant access to NFC controllers to develop their own mobile payment systems. Apple rejected this request, prioritizing the security of Apple Pay users over alternative solutions. As Apple Pay continues to expand globally, Apple is exploring ways to make the iPhone's NFC functionality more versatile without compromising security. The iPhone's NFC system comprises several components, including an NFC controller for communicating with external NFC devices and a secure element, akin to a bank's vault. While using Apple Pay, both the NFC controller and secure element must be accessed. However, if the focus shifts to reading and writing NFC NDEF tags, only the NFC controller needs to be accessed, eliminating the need to engage the secure element. This distinction is crucial because Apple will never allow third-party apps to access sensitive secure elements. It’s worth noting that when adding a credit or debit card, the actual card number isn't stored on the device or on Apple's servers. Instead, Apple assigns a unique Device Account Number, encrypts it, and stores it securely within the Secure Element. Each transaction uses a one-time dynamic security code for authentication.
NFC Applications for iPhones
NFC can be employed in product security labels, such as those used for luxury goods like fine wines. Recently, Wuliangye introduced NFC anti-counterfeiting labels using "one-core dual-frequency" technology. This allows consumers to verify authenticity by scanning NFC tags and enables warehouse personnel to manage inventory efficiently. Scanning product NFC tags can also provide additional details, such as the product's composition, price history, and more. Museums can leverage this feature to offer visitors more information about exhibits at the touch of a button.
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