Speaker: Simon Eumes An Exploration of NFC Transactions and Explanation How Apple Pay and Android Pay work. This talk will dive into the techniques and protocols that drive contactless card payments at the Point of Sale. We will explore how Apple Pay works on a technical level and why you are able to 'clone' your credit card onto your phone. Building upon previous C3 talks on the topics of EMV and ICC payments, we will learn about different NFC payment options, why legacy will never die and how the individual card brands have specified their payment workflows.