If there is at least one modern person who can currently be surprised by paying in a cafe or a store by phone? Almost all smartphone users with NFC technology (Near Field Communication) can use these convenient payment services.
Apple Pay technology is available for iPhone users, Samsung's flagship supports Samsung Pay, Android with NFC respectively - Android Pay.
The principles of installing each platform:
Setting a lock with a fingerprint or password
- Installing applications to make payments
- Link a card to an account
- Consent to the user agreement
In addition to smartphones, users can also make payments using smart watches, tablets and laptops. Android Pay works on smartphones with NFC on Android 4.4 and higher. In addition, the service is available to users of smart watches running Android Wear 2.0.
Samsung Pay works on the flagships of the Galaxy line and smartphones A-series, as well as smart watches Samsung Gear S3.
Apple Pay works on smartphones iPhone SE and above, smart watch Apple Watch, as well as tablets iPad above the 5th generation and laptops MacBook Pro with a touch panel. Mac model 2012 or later bundled with iPhone with Apple Pay or Apple Watch support
Where to pay?
Android Pay and Apple Pay can only be used on terminals that support contactless payment. Samsung Pay has a clear advantage. If the terminal uses NFC technology, the payment will pass through it, otherwise the payment is made using MST (Magnetic Secure Transmission) - a technology for emulating a magnetic strip.
What are the mechanisms?
Each payment service has its own peculiarities:
- Given the lack of dactyloscope in many Android devices, Google service makes it unnecessary to scan fingerprints and uses a PIN, pattern or face recognition.
- If the screen lock on your Android device is disabled, it will automatically delete the data of the linked card - they will need to be re-entered.
- In some countries and regions, you may need to enter a PIN to pay with Apple Pay purchases for amounts in excess of the threshold. Sometimes it is necessary to sign a check or use another payment method.
What about security?
Basics of servicing the principle of tokenization (the formation of a unique set of symbols instead of payment information). This method of protection prevents the possibility of intercepting or reading real data, which excludes opportunities for skimming.
In smartphones Samsung and Apple to store personal unique information on all known protected cheats.
Samsung Pay, in addition to tokens and biometric sensors, offers its own Knox protection program. It also encrypts data and tracks activity, alerting you to suspicious transactions in your account.
Google stores encrypted information on its servers. Tokens for transactions are downloaded to the device in several transactions in advance.
In the absence of a mobile network or data transmission in roaming, each payment technology will behave in its own way. To maintain the health of Android Pay smartphone requires a periodic connection to the Internet. This payment service does not require the presence of a separate chip in the smartphone with the data, so the payment information is not stored for consideration, and unique tokens for the transactions are generated on the server.
Samsung Pay and Apple Pay store user data on a special chip with the highest level of protection. All transactions for payment on the site, so for the payment does not require an Internet connection.
Can I go online?
What if I want to arrange a shopping on the couch and not get up for a purse with a bank card? There is an exit! All three payment solutions allow users to pay for purchases on the Internet. At the same time, we do not need to enter data, which saves time and protects payment data.
Summarizing all the available information, we can say that all the services offered are a payment security level of payments. Transactions are protected by biometric sensors, tokens and secure communication protocols. What service to choose - everyone decides for himself.