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Apple Pay™ is an extension of Apple’s® Passbook app into a digital wallet. Consumers can import eligible payment cards from their iTunes® account or use the phone’s camera with a card in hand to pay. The app now incorporates a Touch ID™ fingerprint reader that is embedded in the device’s home button and a Near Field Communication (NFC) transmitter designed to encrypt each user’s payment information. The solution can be employed in store locations and embedded in iPhone® apps.