Curious, what NFC technology does Apple pay use?

Apple pay is said to be using NFC to make near-field small payments, like the UnionPay/Shanghai Pudong Development Bank issued pendant NFC wallet, more UnionPay/mobile discovered SWP-NFC SIM card-can be multi-logical card, can be prepaid online, offline payment.

Problem:

The NFC chip in 1:iphone 6 is for Apple Pay only and does not have a variety of other gameplay options like Android NFC phone-Metro card/Access card/Membership card/Smart label/Rice card, etc.

2: When can I open the NFC API (non-trading API?).

3: At present (i) is not clear what is the main frequency of the NFC chip in the iphone 6, the domestic UnionPay is currently pushing 13.56 frequency;

4:NFC chip especially SE chip is which home (personal more curious, the strongest is the PHILIP/NXP, then a French company)

5: When to talk to China UnionPay business cooperation. is compatible with UnionPay's NFC Pos machine. -Physical frequency/physical communication protocol/background Trading docking/OTA Recharge

Reference: Apple pay Baidu Encyclopedia

An explanation of NFC technology in Apple pay