Apple is handling the user-facing software product and Goldman Sachs is handling the back-end by providing Apple with software tools called APIs for the financial services the product uses, the person said.

该知情人士透露，苹果正在处理这款面向用户的软件产品，高盛集团正在处理后台运行，为苹果提供应用程序编程接口的软件工具来提供该产品所使用的金融服务。

The card is designed to be used through the iPhone’s Wallet app, but it also includes a physical titanium card for vendors that do not accept contactless payments.

这张卡被设计为通过iPhone的钱包应用程序使用，也有钛合金的实体卡，供不接受无接触式付款方式的商家使用。

The Apple Card is designed to stand out from other credit cards by providing a sophisticated software interface to track balance and purchases.

这款Apple Card的设计有别于其他信用卡，提供一个复杂的软件界面来跟踪余额和支付。

It also has several consumer-friendly features that encourage users to avoid debt or pay it down quickly, which has led some people in finance to believe it will be difficult for banks to make money on the product, CNBC previously reported.

美国消费者资讯与商业频道此前报道称，它也有几个对消费者有利的特点，避免消费者负债或者快速还清债务，这让很多金融界人士觉得银行很难从这个产品上赚到钱。

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