What technology does Apple use for secure payments through iPhone?

Apple utilizes Near Field Communication (NFC) technology for secure payments through the iPhone, primarily through its Apple Pay service. NFC allows devices to communicate by bringing them close together, typically within a few centimeters. This close-range communication is particularly advantageous for financial transactions because it provides a layer of security; the contactless nature of NFC ensures that sensitive information is transmitted quickly while being less susceptible to interception compared to longer-range technologies.

When a user makes a payment using Apple Pay, the iPhone generates a unique transaction code that is used to process the payment, preventing exposure of actual credit card details. Moreover, NFC is widely adopted in various payment terminals, making it a convenient and efficient choice for users. The integration of biometrics, like Face ID or Touch ID, also adds another layer of security to verify identity before the transaction is completed.

In contrast, other technologies such as Bluetooth Low Energy, Infrared communication, and Wi-Fi Direct do not provide the same efficiency or level of security tailored specifically for contactless payment systems as NFC does, which helps to clarify why NFC is the correct answer for secure payments through iPhone.