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
Criticism of Apple Inc. 2012, a group of Chinese writers won compensation from Apple for selling apps that contained unlicensed versions of their books. They had sought 50 million yuan ($7.7 million) in compensation but were awarded only $160,400. In 2005, Steve Jobs, co-founder, Chairman, and CEO of Apple Inc. banned all books published by John Wiley & Sons from the Apple retail stores in response to their publishing an unauthorized biography, "". The book received criticism for "failing to cohesively and clearly express the opinion of Jobs, linguistic redundancies, and clumsy anecdotes." However, despite the criticisms of the quality of Jeffrey S. Young