"Apple also swaps a consumers account number with an encrypted unique Device Account Number. A DAN keeps the consumers information away from Apple ..." How so, seeing as the card is supposedly loaded onto the Apple Pay system and the account number is necessary to debit the correct account, or does Apple just debit random accounts, or is the Apple Pay system actually riding, as a credit card merchant account operator, on the back of "MasterPass" or "Visa Checkout" or both?