Full text below link:
https://www.macrumors.com/guide/apple-nfc-chip-ios-18-1/
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Apple is Opening Up the iPhone's NFC Chip: What You Need to Know


 
<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.macrum
ors.com%2Fauthor%2Fjuli-clover%2F&data=05%7C02%7C%7Ccc26f69532fb4e0ebe1108dc
bebad818%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C638594956908544189%7CU
nknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJ
XVCI6Mn0%3D%7C0%7C%7C%7C&sdata=RDSjxovmAmI%2FWI6qCUPiwN0d9cWz80%2FjL97HVGGCs
0w%3D&reserved=0> Juli CloverFriday August 16, 2024 12:45 PM PDT

With the launch of iOS 18.1 this fall, Apple will allow third-party
developers to support NFC contactless transactions for payments and more.
Right now, the NFC chip is locked down, and it's primarily only used for
<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.macrum
ors.com%2Froundup%2Fapple-pay%2F&data=05%7C02%7C%7Ccc26f69532fb4e0ebe1108dcb
ebad818%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C638594956908557494%7CUn
known%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJX
VCI6Mn0%3D%7C0%7C%7C%7C&sdata=sEf79Vj83l2tV9vZH6j%2FbdMD7WpK%2BPtCzxjs6USjGf
c%3D&reserved=0> Apple Pay, but a number of new capabilities will be coming
when Apple expands access to NFC.

 
<https://images.macrumors.com/t/ic1QItK-fjFZvatgn21P3GR-TLA=/400x0/article-n
ew/2023/11/Apple-Tap-to-Pay-on-iPhone-avail-FR-transaction.jpg?lossy> 


NFC Capabilities in Third-Party Apps


With NFC access, banks will be able to offer direct contactless payment
options that serve as an alternative to ‌Apple Pay‌, but it app developers
will be able to do more, too. Some ways Apple says NFC can be used:

*       Contactless payments in stores
*       Car keys
*       Closed-loop transit cards
*       Corporate badges
*       Student IDs
*       Government IDs (coming in the future)
*       Home keys
*       Hotel keys
*       Merchant loyalty and reward cards
*       Event tickets


Security Protections


Apple is creating several new APIs that will power the contactless
transactions. The APIs will use the Secure Enclave in the
<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.macrum
ors.com%2Fguide%2Fiphone%2F&data=05%7C02%7C%7Ccc26f69532fb4e0ebe1108dcbebad8
18%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C638594956908565790%7CUnknown
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n0%3D%7C0%7C%7C%7C&sdata=UcienqPRV4JO0BN58%2Bv7jBqB9dTXmrV1ereaLzZhyjo%3D&re
served=0> iPhone, with sensitive information stored directly on device.

Developers will have to request access to the NFC and Secure Enclave
entitlement, sign a commercial agreement with Apple, and pay associated
fees. Apple plans to make sure that only authorized developers who meet
regulatory and industry requirements and commit to Apple's security and
privacy standards can get access to the APIs.


Default Contactless App Options


Once these features go live, ‌iPhone‌ users can open up the app and then
hold the ‌iPhone‌ near an NFC terminal to make a payment. So if you want to
pay at a store using your bank's NFC payment service, you'd open your bank
app and then double-click the side button on the ‌iPhone‌ to initiate a
transaction.

Third-party apps will also be able to be set as default contactless apps in
the ‌iPhone‌'s Settings app.

Transactions will be verified with
<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.macrum
ors.com%2Fguide%2Fmask-face-id%2F&data=05%7C02%7C%7Ccc26f69532fb4e0ebe1108dc
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%3D&reserved=0> Face ID or
<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.macrum
ors.com%2Fguide%2Ftouch-id%2F&data=05%7C02%7C%7Ccc26f69532fb4e0ebe1108dcbeba
d818%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C638594956908575263%7CUnkno
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D&reserved=0> Touch ID.


Apple Pay and Apple Wallet


The NFC APIs are separate from ‌Apple Pay‌ and Apple Wallet, which is why
you will need to open up a third-party app to use its NFC capabilities.


Available Countries


Apple's NFC and Secure Enclave APIs are coming to developers in Australia,
Brazil, Canada, Japan, New Zealand, the UK, and the United States.

Support will come to additional locations in the future.

Apple
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ors.com%2F2024%2F07%2F11%2Fapple-opens-iphone-nfc-access-eu%2F&data=05%7C02%
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p0LGzXrVdoiL2fFtYR5OdLbKE1%2BfJCU%3D&reserved=0> already opened up the NFC
chip in the European Economic Area.


iOS 18.1 Launch Date


The new APIs will launch in iOS 18.1, which is an update that Apple is
testing at the current time. iOS 18.1 will likely be released a few weeks
after
<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.macrum
ors.com%2Froundup%2Fios-18%2F&data=05%7C02%7C%7Ccc26f69532fb4e0ebe1108dcbeba
d818%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C638594956908583446%7CUnkno
wn%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI
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D&reserved=0> iOS 18, and we are expecting to see it sometime in October.

In past years, .1 updates have come out between October 20 and October 25,
so the week of October 21 is likely when we will see iOS 18.1 come out.

 

Richard, USA

"INTROVERTS UNITE ... 

SEPARATELY IN YOUR OWN HOMES"

-- as seen on a T-shirt with a power fist raised

 

My web site: https://www.turner42.com

 

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