I know it hasn't been released yet, but since I just got my new 6, I was trying to figure out how it would work once available. Will Apple Pay use Passbook? Is there a new app that we'll have to download? Is it just built in somehow and once you take a photo of your credit cards, it will show up when you put your phone up against the NFC machines, etc? Is there any additional info that has been provided yet or does anyone know?