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Apple pay is contact less payment just hold the phone near any pay point with your finger on the button and it will pay for you. Pretty cool
As far as apple pay goes, don't ever lose your phone because someone can empty your account if you do, seen it happen bro.
I would say with a super good computer person that code probably wouldnt do too much to stop them, thats why I always set up the find my phone on the iphone, since you can wipe all your data remotely. I still havent set my NFC up on my Note yet, for the same reason kinda uneasy about someone snagging my phone and then im screwed.HOLY SHIT..even with a code on the phone??
The otter boxes are great. I am not a fan of the i6 since I feel like im carry around a vcr or a laptop on my hip. I went back to my 5 and I also have a cortana.
I hear the i6 has much more to offer though, I just think its to damn big