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the problem is there is little apple can do about it even if they wanted to...their apple pay security relies on secure enclave technology this is a processor within a processor and they understand encryption on both levels...the fact of the matter is if you try to access the segregated area you have 10 guesses at the ID, you will get it wrong, and it will self delete...it has a 48hr lock option or flat battery lock and you need a password to reactivate the phone, this is made so people can not circumvent the secure enclave...
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