Just wanted to mention that if I understood your sentence correctly I think this "The iPhone sends an authorization request to the payment network." is not correct, as Apple Pay without any internet, just like the credit or debit card itself, so the iPhone itself doesn't have to communicate with the payment network, it's all done by the PoS.
Great write-up and nice graphics 🤌
Just wanted to mention that if I understood your sentence correctly I think this "The iPhone sends an authorization request to the payment network." is not correct, as Apple Pay without any internet, just like the credit or debit card itself, so the iPhone itself doesn't have to communicate with the payment network, it's all done by the PoS.
ah, good catch! you're right.