In reply to Joe Tomasone.

As a matter of interest, a couple more articles on the development of "tokenisation", and the limitations of Apple’s closed hardware application, Apple Pay …

http://www.smh.com.au/business/banking-and-finance/dont-believe-the-hype-on-apple-pay-says-mastercard-global-chief-20150319-1m302w.html

http://www.smh.com.au/business/apple-pay-a-step-closer-as-mastercards-tokenisation-security-feature-nears-20150727-gildfu.html