MacRumors

Apple has described its new Apple Pay payments service, which is designed to be the first step towards the company's goal of replacing the wallet, as "easy, secure, and private." Apple Pay includes several different features that offer customers much greater security than a traditional credit card, including Device Account Numbers that replace credit card numbers, dynamic security codes for each transaction, and biometric payment verification through the use of Touch ID.

Ahead of the release of Apple Pay, TUAW's Yoni Heisler has taken an in-depth look at the security features built into the payments service, outlining the ways Apple is safeguarding customer information.

While Apple Pay is built on existing NFC technology, Heisler's research suggests it is the first implementation of the EMVCo tokenization specification, a newly introduced security framework designed to cover emerging payment methods. According to former credit card executive Tom Noyes, this specification is "the most secure payments scheme on the planet."

As previously rumored, Apple Pay utilizes a "token," which the company refers to as a Device Account Number, to replace a user's existing credit card number on the iPhone. A randomized 16-digit number, the Device Account Number ensures that no merchant is able to obtain a user's credit card number, protecting consumers from retail security breaches, as TUAW points out, because tokens are randomized numbers that cannot be decrypted back into a credit card number.

Device Account Numbers, or tokens, are paired with a dynamically generated one-time use code that replaces the credit card's CCV with every transaction.

Providing an additional layer of security, an Apple Pay-equipped iPhone at the time of each transaction also sends a dynamically generated CVV up the chain along with a cryptogram. The CVV is the three-digit string located on the back of your credit card and, in the case of Apple Pay, is a algorithmically-generated dynamic string that's tied directly to the token. The cryptogram itself "uniquely identifies the device" that created the token and, according to the EMV Payment Spec, is likely composed of encrypted data sourced from the token, the device itself, and transaction data. Note, though, that the precise components of the Apple Pay cryptogram aren't publicly known.

As noted by Heisler, a Device Account Number can't be used in a transaction without an accompanying one-time use cryptogram, which verifies that the "token in transit originated from the device being used." Cryptograms also carry transaction information like the merchant's identity and the amount of money being charged.

The transaction comprising the Device Account Number and accompanying cryptogram is further verified through the use of Touch ID, which essentially replaces insecure verification methods like passwords and PINs.

According to a credit card executive who spoke to TUAW, token transactions as implemented by Apple "are a new and much higher standard of security for electronic payments."

The amount of security built into provisioning tokens and supporting transactions is a new standard that I think will definitely shift fraud patterns going forward.

Apple Pay is expected to go live in October, enabled through an update to iOS 8. Hints of Apple Pay have already been found in the iOS 8.1 beta, which was seeded to developers on Monday. TUAW's full look at the security behind Apple Pay, which covers tokens, Touch ID, and more, is well worth a read.

Apple today has announced revisions to a number of components of its employee benefits packages in order to retain existing workers and attract new ones to the Cupertino company, reports Forbes. The changes, which target both full-time and part-time employees, were initiated by Human Resources vice president Denise Young Smith and detailed in an employee-wide memo shared with the publication.

"I don’t think these [benefits] would be immediately thought of," Young Smith told Fortune. "But for the first time we’ve probably got four generations in the workplace at the same time, and we need a plethora of programs."

New and updated benefits include perks such as educational reimbursements, expanded donation matching, and more. One major change is in the parental leave policy following the birth of a child. With the new policy, expectant mothers can take up to four weeks before a delivery and up to 14 weeks after a birth, while fathers and other non-birth parents are eligible for up to six weeks of parental leave.

The report also profiles Apple's new "wellness center" at its Cupertino headquarters designed to meet the medical needs of its employees. Employees can seek treatment while at work with appointment wait times as short as five minutes.

The head of HR says 43,000 employees have already visited the center, which opened about a year ago and employs seven doctors plus a large team of chiropractors, physical therapists and dieticians. [...] Doctors work out of a central "pod" in the middle of the building, surrounded by a circle of examination rooms, which they enter through a different door than their patients. Inside, the paperless, minimalistic exam rooms hold a small table with an iPad and Apple monitor (what else?).

Many of these changes have been spearheaded by Young Smith, who took over the lead human resources position earlier this year. Young Smith's emphasis on the company's employees is part of Tim Cook's overall focus on people as well as the products that make Apple successful.

Besides these expanded employee benefits, Apple also has been working to improve working conditions overseas, requiring factory manufacturers to provide safe working conditions as part of the company's Supplier Responsibility initiative.

Earlier today, Pioneer kicked off the Paris Motor Show with the announcement it was making CarPlay available to select existing car audio receivers. The manufacturer also was present at the event showcasing CarPlay on its just-announced AppRadio 4 smartphone receiver in an exhibit that was recorded by French blog Mac4Ever.

At a suggested retail price of $600, the new AppRadio 4 (SPH-DA120) is positioned as the lowest-cost CarPlay system from Pioneer and ships with built-in support for CarPlay and Siri Eyes Free to provide on-dash and hands-free navigation, messaging and more. The AppRadio 4 CarPlay demo is only a minute long, but it shows decent responsiveness of the Apple-driven interface on the receiver's touchscreen display.

Pioneer is among the first car audio manufacturers to add CarPlay support to aftermarket car receivers, allowing users to install the Apple technology into their existing cars. CarPlay also will debut in new automobile models from a variety of automobile makers such as Ferrari, Mercedes-Benz, Volvo, BMW, Ford, Hyundai, GM, Honda and others.

A recent Apple patent application (via AppleInsider) reveals some of the company's efforts looking into ways of improving the Apple TV and iTunes desktop experience using iOS. The newly published patent application, titled "Browsing remote content using a native user interface," describes a mobile application that would serve as a second screen for a connected media device.

This smarter iOS-based remote detailed in the patent moves away from the current Remote app that mimics a hardware remote by providing a robust Apple TV or iTunes interface on the mobile device. Users could then browse, search or perform other advanced functions right from the mobile device.

The disclosed technology relates to receiving media signals from a media device and rendering a user interface that is native to the device receiving the media signals based on information encoded in the media signals. The device receiving the media signal interprets information received from the media device describing media content and semantic information describing a type of interface page, and displays the content based on the semantic information in a graphical user interface (GUI) on the electronic device based on the interpretation.

Other descriptions in the patent application, which was filed in March 2013, suggest iOS owners could use the remote to search the web for information, such as the cast of the movie they are watching, and display that information on the big screen.

Apple is rumored to be working on a new Apple TV that could launch sometime in 2015. The company reportedly is working with cable companies to negotiate access to live and on-demand content, but has run into numerous obstacles on the content front.

The new Apple TV may include an App Store, Siri integration and more. It is not yet clear whether the device will be a cable-supported set-top box, an updated version of the current Apple TV, or a combination set-top box and streaming media device, as Apple has been rumored to be working on a variety of different options.

As with many Apple patent applications showing unreleased inventions, there are no assurances the disclosed inventions will ever be released, but they can sometimes reveal hints about the company's areas of interest and research.

Designer Marc Newson recently spoke to architecture and design magazine Dezeen in his first interview since joining Apple. Though most of the conversation focuses on a new consumer beer machine he created along with Heineken, Newson does reveal some interesting tidbits about his current role at Apple.

Newson confirms to Dezeen's Amy Frearson that he is working for Apple part-time and was hired for very specific reasons he would not disclose. He will remain in the UK while continuing to work on projects for his existing company.

Amy Frearson: You've taken on quite a major role with Apple, do you think you'll still have time to work on these kinds of project as well?

Marc Newson: Yes absolutely, because my role at Apple doesn't necessitate all of my time and that was for very specific reasons, so absolutely, my company still exists and I remain based in the UK.

When asked about his role in the design of Apple's new Watch that is slated to arrive early next year, Newson was tight-lipped, answering only questions about the future of the traditional watch.

Amy Frearson: Can you tell me if you were involved in the watch design?

Marc Newson: Apparently I can't.

PR Lady: Sorry we can't answer that, sorry.

Amy Frearson: Maybe I could ask you another question. With your background in watch design, can you tell me what you think is the future of the traditional watch?

Marc Newson: There will always be a place for mechanical watches. Apart from telling the time – which is all they do – they're about something completely different. You know, I think that the mechanical watch industry will continue to exist in much the same way as it does right now. To be honest I'm not really intimately aware of what's happening with the world of mechanical watches right now.

Newson has worked closely with Apple lead designer Jony Ive, collaborating on several products for a Product (RED) benefit auction. Newson also is rumored to have worked on previous Apple products before officially joining the company.

Samsung semiconductor head Kim Ki-nam today announced that the company will begin work on 14-nanometer processors for partners such as Apple, Qualcomm, and AMD before the end of 2014, reports ZDNet (via 9to5Mac).

The comments indicate that Samsung will produce Apple's next-generation A9 chip to be used in next year's line of iPhones and iPads. Currently, the iPhone 6 and 6 Plus use the 20-nanometer A8 processor. It is also likely that the forthcoming iPad Air 2 and second-generation Retina iPad mini will utilize Apple's A8 chip.

The report also states that Samsung is producing around 30% of the total volume of Apple's A8 chip, while TSMC is handling 70% of the production load. Teardowns of the iPhone 6 and 6 Plus revealed A8 chips that were manufactured by TSMC, although it is possible that a select number of shipped devices contain chips produced by Samsung.

Last year, it was reported that Apple signed a contract with Samsung to handle 30% to 40% of total A9 chip production, while TSMC would be getting the rest of the production load. A report from August stated that TSMC was ahead of schedule with its new 16-nanometer process, which was said to be for Apple's A9 chip. However, these latest comments from Ki-nam may indicate that Korean company has already won the bid to produce the A9 with its upcoming 14-nanometer process over TSMC's proposal.

Pioneer today became the first company to officially offer support for Apple's CarPlay vehicle integration feature, after announcing the addition of CarPlay to five of its 2014-NEX in-dash multimedia receivers.

"CarPlay enriches the iPhone experience in the vehicle by providing a safer way to access the iPhone features they want to use most while driving," said Ted Cardenas, vice president of marketing for the Car Electronics Division of Pioneer Electronics (USA) Inc. "With Pioneer's implementation, CarPlay can now be integrated into millions of vehicles already on the road."

As previously announced, CarPlay is available through a firmware update for the $1400 AVIC--8000NEX, the $1200 AVIC--7000NEX, the $900 AVIC--6000NEX, the $750 AVIC--5000NEX and the $700 AVH--4000NEX. CarPlay is also compatible with Pioneer's new $600 smartphone receiver, AppRadio 4.

First introduced in March, CarPlay utilizes the built-in dashboard display of an automobile to offer hands-free operation of the iPhone. With CarPlay, drivers are able to complete tasks like getting directions, making calls, and sending messages through Siri voice control.

Other companies that sell aftermarket in-dash systems also plan to offer support for CarPlay in the near future, including Alpine and Clarion. The first CarPlay enabled cars are expected to come in 2014 as well, with Apple partnering with a wide range of manufacturers including Mercedes-Benz, Volvo, BMW, Ford, Hyundai, GM, Honda, Mazda, Audi, and more.

CarPlay for compatible Pioneer NEX in-dash systems is enabled through a firmware update that is available at no cost. It requires an iPhone 5 or later along with iOS 7.1 or newer.

Apple has released a new Activation Lock Status tool (via iDownloadBlog) that will make it easier for people buying a used iPhone, iPad, or iPod touch to avoid getting a device that is locked to another user.

Accessible via iCloud.com, the Activation Lock Status Checker allows users to enter a Device IMEI or Serial number to check whether a device has Activation Lock turned on.

Activation Lock was introduced alongside iOS 7 and is designed to prevent iPhones and iPads from being stolen. When Find My iPhone is enabled, it effectively locks an iOS device to a user's Apple ID account, and even when wiped, the device will require the original Apple ID and password.

Activation Lock has cut down on iPhone-related thefts in major cities, but it has also affected users who purchase an iOS device used. If Activation Lock is enabled, a used iOS device will be entirely useless until unlocked by the original owner.

If an iOS device does have Activation Lock enabled, Apple's tool will give users a clear warning that an Apple ID and password will be required before another user can activate the device. It also provides instructions on how to remove Activation Lock from a used device, which requires contacting the previous owner.

Anyone who is purchasing or selling a used iOS device should find Apple's new tool very useful, as it can be used before a transaction takes place to ensure the iOS device will be usable by the new owner.

Apple's iPhone 6 and 6 Plus are the first Apple mobile devices to come equipped with 802.11ac Wi-Fi, which supports much faster data throughput speeds. 802.11ac Wi-Fi is able to offer connection speeds that are up to three times faster than existing 802.11n networks.

iClarified has created a new video that compares the Wi-Fi speeds of the iPhone 6 Plus, which supports 802.11ac, to the iPhone 5s, which supports 802.11n, when connected to an AirPort Extreme. The site also created a custom app for the test.

Both devices were freshly restored to iOS 8.0 and connected to the 2013 Apple AirPort Extreme. The router was placed 1.5 metres away from the smartphones and each iPhone was connected to the AirPort Extreme using a 5GHz-only network. No other devices were connected to the wireless network at the time of the test and the downloads were performed at separate times. We cut them together for comparison.

As expected, the iPhone 6 Plus sees much faster connection speeds that reach 278.5 Mbps, while the iPhone 5s tops out at approximately 101.1 Mbps. While speeds are improved in this test, the actual speeds that users see in the real world will vary based on connection strength and other factors, as an actual ISP connection is generally the limiting factor for speeds when connecting to the Internet. When an 802.11ac Wi-Fi network is available, however, iPhone 6 and 6 Plus users should see significant speed improvements.

Along with 802.11ac Wi-Fi, the iPhone 6 and 6 Plus offer several other connectivity improvements, including faster LTE with support for LTE Advanced and voice over LTE, which enables higher-quality phone calls. The iPhone 6 also supports calls over Wi-Fi, for access to high-quality voice connections even in areas where cellular connection is poor.

iOS 8 has caused significant issues for some people who connect their phones to their cars and other devices via Bluetooth, according to numerous reports on the Apple Support forums and MacRumors' own user forums. MacRumors has also been receiving complaints on a near daily basis about the ongoing Bluetooth problems that iOS 8 users are seeing.

It appears that after upgrading to iOS 8 or purchasing a new iPhone 6 or 6 Plus, users have trouble pairing their phones to their car audio systems. The devices are seeing several different issues, refusing to pair entirely, neglecting to play audio over the speakers, or disconnecting when a call comes in.

Now when I am connected via bluetooth, I place a call, and it says it's going over bluetooth, but it doesn't interrupt my car's music, and the audio doesn't play over the speakers. The only way I can talk to the person is if I press the Audio button on the phone and select speakerphone or iPhone as if it wasn't connected to the car.

An ongoing thread on the MacRumors forums suggests that a wide range of different automobiles are having Bluetooth connectivity issues with devices running iOS 8 and iOS 8.0.2, including Hyundai, BMW, Mercedes, Lexus, Toyota, Ford, and more.

The Bluetooth pairing problems are not limited to automobiles, as iOS 8 users have also reported issues pairing with headphones, speakers, headsets, and more.

According to one iPhone 6 owner experiencing issues, Apple support is aware of a compatibility issue between the Bluetooth "used on the iPhone 6 and some car/navigation Bluetooth." Apple is said to be working on a fix for the issue, but in the meantime, some users have had temporary luck logging out of iCloud, forgetting connected Bluetooth devices, using the "Reset All Settings" and/or "Reset Network Settings" option on their iPhones and restarting, re-pairing their devices with their Bluetooth devices, and then logging back in to iCloud.

Attempting to use "Reset All Settings" should be done with caution, however, as some users have noticed that all of their iCloud Drive documents have gone missing after using the feature.

iOS 8 has not been Apple's most stable release. The operating system has seen several issues, including a major HealthKit bug that caused the company to pull all HealthKit-enabled apps just ahead of the public release of iOS 8 and a significant issue with the iOS 8.0.1 update, which disabled the cellular connection and Touch ID of many iPhone 6 and 6 Plus users.

iOS 8.0.2, released last week, fixed several major issues including the HealthKit bug, and Apple has plans to release another update in the near future, having already seeded iOS 8.1 to developers.

Update: According to some users who have installed iOS 8.1, the new update fixes the problems with Bluetooth.