Which of the following is the primary technology used in a mobile payment system like Apple Pay?

The primary technology used in a mobile payment system like Apple Pay is Near Field Communication (NFC). NFC allows for secure communication between devices when they are in close proximity, typically within a few centimeters. This technology is crucial for the functionality of mobile payment systems because it enables users to make payments simply by tapping their mobile device against a compatible payment terminal.

NFC is designed to facilitate secure transactions by encrypting data and ensuring that information is exchanged between devices securely. When you use Apple Pay, your payment information is transmitted via NFC, allowing for quick, contactless payments without the need for physical cards or cash.

While QR codes and RFID are also encountered in payment and identification technologies, they are not the primary method utilized by Apple Pay. QR codes require scanning and visual recognition, which is not as seamless as the tap-and-go convenience offered by NFC. RFID operates differently and is often used for tracking and identifying items rather than for direct payment transactions. Thus, NFC stands out as the most effective technology for mobile payments in systems like Apple Pay.