Apple Pay via Touch ID, Face ID, PIN or passcode. The service lets Apple devices wirelessly communicate with point of sale systems by using a near field communication (NFC) antenna, a "dedicated chip that stores encrypted payment information" (known as the Secure Element), and Apple's Touch ID and Wallet. It is available in the United States, United Kingdom, Canada, Australia, Brazil, UAE, Russia, China, New Zealand, Singapore, Japan, Taiwan, and Hong Kong, as well as various other European nations. Apple Pay supports most major credit cards or debit cards, including American Express, Visa, Mastercard and UnionPay etc. Supporting banks vary. The service
Apple Inc. lawsuits between Apple and HTC up to that date, in favor of a ten-year license agreement for current and future patents between the two companies. It is predicted that Apple will make $280million a year from this deal with HTC. A previously confidential email written by Jobs a year before his death was presented during the proceedings of the "Apple Inc. v. Samsung Electronics Co." lawsuits and became publicly available in early April 2014. With a subject line that reads "Top 100 – A," the email was sent only to the company's 100 most senior employees and outlines Jobs's vision