Re:Amazon Knows Your New Bank Card Number Before You Do
by Artemis2 on Sunday February 12, 2017 @02:59PM
(#13630326)
Yes, Apple Pay is different – Apple partners directly with banks (and charges a nice percentage along the way). Your device communicates directly with your bank for Apple Pay, which enables this kind of feature. I don't know whether it is push or pull though.
This is a great document for understanding how Apple Pay (and Android Pay) works at a low level: https://www.emvco.com/specifications.aspx?id=263
We'd submit a file containing a batchof account numbers we wanted information on. This submission is by posting to a URL.
We could then poll a URL for status on that batch. When processing was complete the status changes, and an email would also sent to us. This could take two or three days.
We could then retrieve the results from a URL. They might be partial results, in which case we could keep polling that status to find out if more results were available. Some cards would never get a response.
Apple seems to have a fancier level of service from the card associations that gives access to some kind of push interface.
My bank sent me an offer to upgrade my card. This was the card that I use with Apple Pay. I accepted via online banking. Less than a minute later my phone beeped. It was a notification from Apple Pay that the new card had replaced the old card on my Apple Pay.