Yak otrimat card with contactless technology. PayPass and PayWave - contactless payment technologies

Contactless payment with your card will simply stop the transaction process. Nowadays, it is often not necessary to use a payment instrument for your gamman: just to bring the gamman to a special terminal, having previously confirmed the flowing operation.

What is the name of the contactless payment service for additional cards? All to deposit from the current payment system, as you see it, you must wait and import for yourself the most optimal.

Popular banking systems - Visa and Mastercard - have already included in the complex of their services a variety of technologies. You can find information about Visa payWave and MasterCard Contactless systems, also like MasterCard PayPass.
Popular systems electronic pennies neither do they see their colleagues, but also do not have progressive transaction systems. For example, I’m talking about such services, like Yandex-penny and Kivi.
View and bedroom projects different services... For example, not so long ago a new Visa and Kivi add-on - Visa Qiwi Wallet was launched. The whole service is working through NFC, and you can use a smartphone, a tablet or a personal computer.

The flagships on the smartphone market - Apple, Anroid and Samsung - also have your own power systems Having paid for the service. Name the stench to wear Apple Pay, Anroid Pay i Samsung Pay as appropriate and suitable for corystuvachiv mobile annexes from danih virobniks.

Contactless payment method by card

The technologies we have seen are based on the victorian or the radio frequency identification chip RFID, or the chip for the near NFC connection. Transactions at all can be carried out both through credit and debit cards, as well as through the expansion of smartphones at once. The special chip will be installed on the special key chains.

It is also contactless payment by bank card, so many happy people are kind enough to find their way to an intuitive ryvn. Holovne, you have a payment tool that you need to have a necessary chip, as well as near the presence of a payment terminal. You can get an idea of ​​the price by special sign at the visitor who is present at the bank card, as well as at the special possession for transactions.

How can you use new technologies and pay with a contactless card? Everything is even simpler: change the amount of operations on the terminal, bring the payment instrument to a special possession from the beginning of the day, and be sure to confirm the required sum from your rakhunku.

Yak nalashtuvati nfc for contactless card payment technology?

First, for everything, you can change your mind to receive technology from your smartphone. Varto wrap your head around the card on the attachment of the operating system: for Visa Qiwi Wallet on Android version not lower than 4.4. On the official site of the given technology, be it a bazhayuchy know-how of a lecture change of models, so that you can see the supplements. The list was drunk with a lot of famous brandy, including:

• Samsung Galaxy;
• Sony Xperia.

To install, you need to add an add-on to your attachments and attach them to you as an additional SMS-confirmation. The security of this technology will be secured by opening the password for the entry, as well as entangled in the supplement with a key, also called the cryptogram of the transaction. In order to improve security in case of great operations with a change of 1000 rubles, it is necessary to enter a PIN code beforehand.

Payments on the basis of contactless technologies will save money on the hour of the customer during transactions. These are the best ways to go shopping in a large number of specialty shops. This is also how the system is designed for transport cards, parking machines and gas stations.

koristuvachi mobile bank Tinkoff can now pay for purchases with one smartphone dot for help contactless technology MasterCard

Moscow, Russia - 14 breast 2016 p
Tinkoff Bank, the innovative online provider of financial services, and the international payment system MasterCard have launched new service... Clients to the bank - owners of smartphones on Android platforms - now you can vibrate in your Tinkoff mobile bank the option of contactless payment for NFC and pay for purchases, simply by touching your mobile phone to the payment terminal.

Tinkoff Bank became the first bank in Russia, such as breaking and certifying in MasterCard the solution for connecting the service of contactless payment to a mobile bank, depending on the technology of MasterCard Cloud Based Payments (MCBP) and HCE Zd_ysnyuvati purchases so, yak tse їm handy.

The technology of contactless payment is available to the owners of ruble MasterCard cards to the bank. For the whole customer on the phone, the blame has been established operating system Android 4.4 (KitKat) just like NFC and mobile bank Tinkoff version 3.1.5 and food.

See the update of the mobile bank as well є in Google Play.

Anatoly Makeshin, Director of Payment Systems, Member of the Board of Tinkoff Bank, commented on the technology: MasterCard.
When you break the bullets, you hit all the vimogs to the set software components It will take care of the services, technologies of cryptography, communication and payment processor in the memory of the phone, which is transferred to the dark technology HCE, as there are more smartphones on the Android platform.

Now it has become easier for our customers to buy in one dot, without worrying about those who took the stink of their bank card with them. Let the commander of the Tinkoff Bank mobile store see our customers, who have been checking our service for a long time, as a small present. "

“Mi virimo, that innovation is changing our life on the brighter, and the new technology, in something simpler and simpler than virishuvati bagato every day... Thanks to the contactless MasterCard payment technology, a smart phone can be easily and without fail to pay for comrades and services in Russia and in other countries, so that the solution is to expand in the whole world. Of course, one of the provincial Russian banks is in the vanguard in the introduction of innovative MasterCard technologies on the Internet, - comment Dmytro Tartish, Vice-President for Development mobile payments MasterCard in Russia. - For the clients of Tinkoff Bank, the technology has been implemented due to the demands of the dreary gloomy solution and through the familiarity of the clients with the interface of the mobile bank.

To enable the contactless payment service in the mobile phone, you need to log into the Tinkoff mobile bank, vibrate the rakhunok, if you want to pay in one dot, activate the “Contactless payment” function in the confirmation code. The service is connected instantly. To pay for purchases, you will need to use the main card, before the service is connected.

You can pay for the purchase of a mobile phone without entering the mobile bank. Access to the Internet is not required. For everyone there is enough:

• Click on the icon of the mobile bank and directly on the screen of the entrance to the mobile bank click on the icon for contactless payment;
• Enter the access code to the mobile bank to activate the payment function;
• Revision the purchase amount at a contactless payment terminal;
• Leave your phone to the terminal.

The decision is made to meet all international safety standards. In addition, the client will control the entire payment process - the smartphone does not need to be handed over to the cashier; Technology stolen from re-payment.

Schob otrimati additional control over vitrates, clients can install and edit "Limits for contactless payment" in the "Bezpeka and Limiti" section of the mobile bank.

MasterCard contactless payment technology has been expanded in Russia and in the world. You can pay for the purchase with one dotty at any terminal with a special badge at the viglyade radio.

About contactless payment technology MasterCard

Technology of contactless payment MasterCard - price innovation technology payments in one dot, as there is a very fast, secure and easy way of paying for all purchases and services.

Russia has issued 5 million MasterCard cards with contactless payments. More than 4 millions of shopping majdans in 72 countries accept payment for the contactless technology MasterCard (in Europe - 40 countries).

Despite the acceptance of contactless payment MasterCard is actively growing. This technology has also been implemented in the most popular trade and service enterprises - stores of food products and industrial goods, chemists, pharmacies, cinemas, restaurants of high-quality service shops, cafes, railway stations.

Check out the detailed information about the innovation of contactless technology MasterCard and wonder at the list of trade and service enterprises that accept contactless picture MasterCard in Russia, available on the website www.contactless.mastercard.ru

Payment by mobile phone for contactless technology MasterCard

Russia has all 3 main technologies available for locking contactless cards in NFC smartphones: based on SIM-cards (SIM-centric), mobile phones (embedded Secure Element, eSE) and Khmari (Host Card Emulation, HCE). projects implemented for MasterCard partner support.

The first project in the field of mobile contactless payments on the basis of SIM-centric NFC with the help of Mobile MasterCard PayPass ® (MasterCard Contactless) technology was announced in 2012. In the last few years, a number of projects have been launched in a number of spheres with the best service operators, mobile extension providers and banks.

In 2013, MasterCard rotsi, Tinkoff Bank and CardsMobile (i-Free group) first launched in Russia a multi-functional service for the forwarding of contactless MasterCard cards to the “Hamanets” mobile add-on, installed in a number of Sony models Philips smartphones wake up NFC chip(Embedded Secure Element).

Therefore, the third technology became available for Russians - Host Card Emulation and MasterCard Cloud Based Payment (MCBP) solution, which is being implemented on it. Technology allows you to infallibly vipuskati and vikoristovuvati without contact picture MasterCard at all mobile phones with the NFC module in Android versions 4.4 KitKat and food.

Learn more about contactless mobile map MasterCard is available on the special MasterCard website assigned to mobile NFC payments http://nfc.mastercard.ru

About Tinkoff Bank

Tinkoff Bank is the first and only one in Russia to establish an online bank that will provide service to five million clients. The bank was created in 2006 by the entrepreneur Oleg Tinkova.

TCS Group Holding PLC, the parent company of the bank, is trading on the London Stock Exchange from June 2013. mobile operator Tinkoff Mobile, Tinkoff Insurance and distribution of retail centers in the largest Russian regions "Tinkoff Center of Retail".

The bank does not have a lot of issues: customers can be serviced remotely through online channels and a contact center. For the delivery of products to the bank, having stayed at the network of representatives, I have collected over 1800 people. Merezha covers the whole of Russia and allows the delivery of cards of large clients on the coming day of receiving a decision about the issue.

The bank nada both its own authority and partner financial services through the website platform. The product line includes in-line banking services (credit and debit cards, payments, transfers), deposits, investments, loyalty programs, services for booking higher prices, services for business, insurance products. The bank has received great respect for the mobile directly: beyond the mobile bank, the company issued a mono-application, available from the main customers to the bank ("Traffic police penalties", MoneyTalk, "Cards on a card - shvidki").

Bank on 1 September 2017 is the other largest graver on the Russian credit card market with a partial market of 11.5%. Net income of TCS Group Holding PLC according to IFRS for the first half of 2017 raised 7.6 billion rubles, Profitability of capital was 46%.

Tinkoff Bank buv vizaniy "Bank for Roku 2016" for the version of the most popular Russian financial portal Banki.ru. June 2016 Tinkoff Bank has become the largest independent online bank in the world for a number of clients following the results of the recent Frost & Sullivan. In 2016 and in 2015, the International Banking Magazine Global Finance, we are expanding our online banking in Russia to Tinkoff Bank. In 2016, Global Finance, by visiting the site Tinkoff.ru, will shorten the universal integrated bank site. In 2017 r Global Finance we are declaring Tinkoff Bank in the categories “Best Deposits, Credit and Investment Online Products” and “Best Bank in social fringes". In 2016, the international magazine about finance Euromoney was sent to Tinkoff Bank by a digital bank from Central and Shidniy Europe. Mobile supplement Tinkoff Bank is known to be the most beautiful in Russia in 2014, 2015 and 2016. by Markswebb Rank & Report і in 2013-2016 pp. company Deloitte.

The NFC standard (Near Field Communication - literally "close field link") is a special communal standard, which is used to communicate between compact attachments on the near side. For the connection only one of the attachments is guilty of the mother's active living, and the standard has become increasingly popular. Adzhe tsya specialness allows you to use NFC modules in smart cards, keys for locks from electronic control That is, in principle, be-like objects, let go of the battery.

One of the NFC functions for making contactless payments. To bring the attachments to the general acceptance - and there is a call between the annexes, and pennies will be written off from the rakhunk for a comrade or a servant. Smartphones with NFC can be used to pay for goods, purchases in stores. But if I do not know everything myself, I’ll try to get started at once.

By itself NFC function theoretically allowing for any payments. However, in order for it to be robust, it is necessary to receive a contactless payment from the side of the organization, so that financial services are needed. Such organizations can be banks, resellers, who can use cards for contactless payments in transport, as well as mobile devices for smartphones.

At the moment, the most extended to the affected area is the payment for the additional NFC ride in the community transport. The link is also gaining popularity before bank cards... However, the service is poki with interconnected people. To that, just take a card (debit, credit, universal) from any bank and attach it to make payments via NFC possible.

Contactless payments do not work on smartphones, since they have root access. Tse zrobno rozrobniki dodatkіv for zakistu, so as a rudimentary device is simpler to malign wicked men.

Yak pay for travel for a smartphone

To pay for travel for additional NFC technology in Russia, as a rule, a special SIM card is required. The service is accepted by the operators Megafon, Biline, MTS. Send a change to a SIM card for a special room, link to a subscriber phone number. After activating the rakhunok, it will be changed from the main rakhunka, and while the smartphone has been taken before the reader will receive payment for the trip. How to replace the SIM card and switch on the service - to lay down from the place of the operator. To clarify all instructions, contact the operator or the company, where we need transport services in your place.

In Ukraine, you can pay for NFC travel only in the Kiev metro. Privatbank will deal with the processing of transactions, so it will be quick to do it, you need to be a client and mother the establishment of a supplement Privat24. Then go to the menu and select "NFC" to activate contactless payments. You can pay for the trip, just unlock your smartphone until you read it.

Yak pay for comrade with NFC

In equal 2017 rock Android system Pay nareshty came to Russia. Now you can pay for your friend in stores that have terminals with contactless payments. Enter the list of companies, pictures of which can be linked to a smartphone, include Yandex.Money (Mastercard pictures) and MTS-Bank, Tinkoff banks, Russian Standard, Tochka, Rocketbank, Sberbank, Raiffeisenbank, Rosselkhozbank, Promsvyazbank, Vidkrittya, VTB24 , Alfa-Bank and AkBars Bank. You can, at the time you read the material, the list will be shorter.

For koristuvannya Android Pay slid add to your smartphone special supplement, Attach to the new card and activate. To pay for the release of the unlocking smartphone to the specified terminal. Sum up to 1000 rubles if you don’t want to use the entered code, for larger payments you can enter a PIN code, write a check, or confirm the transaction with a finger.

In addition to the universal Android Pay, in Russia and Samsung Pay. To pay for purchases for an additional price of the system, you can vikoristovuvati Samsung smartphones Galaxy S series, repairs for S6, Note 5, A5 and A7 2016 and 2017, A3 (2017), J5 (2017) and J7 (2017), and year Samsung Gear S3. The list of banks is the same as for Android Pay. You can clarify the list of financial organizations that support the Samsung Pay contactless payment program on the Russian website of the virobnik.

In Ukraine, the Android Pay system is still not practical, as there is no centralized tool for paying for it. However, deyakim banks are such a service to rely on an individual order. Krim Privatbank, the list also includes Oschadbank, Ukreksimbank and Kredobank. To pay with a Privat card, you need to install a Privat24 supplement, the other banks - special program from the website to the bank abo google market... Payments less than 500 UAH per Visa cardsі 100 UAH from Mastercard the confirmation is not valid, for larger sums identification by PIN-code is required.

Since there are some banks, then the possibility of payment by NFC should be checked on the website or at the notice.

You can pay with NFC on iPhone

Russia can do it. Apple company launched its service in 2016 and is accepted by many banks. The list is expanding, the link at the time of writing to the material of the performances on the illustrations below.

Smartphones, iPhone 6, and also smart parts apple company. To add a picture, from which there will be payments, it is necessary to enter the data in hand. Payment is valid when the smartphone is presented to the terminal. To confirm the transaction, you need to press the button "home" to scan the fingerprint.

And the axis in Ukraine for the owners of the iPhone will only be checked. launch Apple service Pay plans for 2018 rіk, ale chi will be seen in an hour - unavoidably.

The technology of contactless payments PayPass, for the first time declared itself in 2002, is represented by all kind of payment system MasterCard for accelerated and simplified purchases by card, equipped with a central system (purchase in one dot). Analogous to the central technology є payWave in the payment system Visa and ExpressPay in American Express.

History MasterCard PayPass

The first test of new items was introduced in the New States. Pislya non-payment PayPass terms appeared in the mortgages of the fast food McDonald's - in America, Canada, Japan and on the Philippines. Great banks began to connect to the system of contactless services, and payment terms expanded to the territory of the region. With PayPass cards you can pay for the service for purchases in such countries as Australia and Canada, Mexico and China, Korea and Mongolia, the Arab Emirates and Thailand, in Taiwan, Philippines, in Turechchina, Malaysia, Lviv, Ukraine.

Before Russia, the new system came in the spring of 2008. The first "happy", having become arrogant to his robot, became a Moscow restaurant called "P'yat Zirok" - here a contactless payment was made using MasterCard cards with the PayPass function.

The first bank, having issued PayPass cards in the Russian open spaces, became the Moscow Industrial. They got sick of the children and the students of the chief mortgages. Tsikavo, for students such a card has become not only a smart "gaman", but it allows you to pay for the amount, you can completely replace the student's ticket, and find the payment. Transfer further to the extended PayPass cards at the largest universities in the country. It's not wonderful, Russia is the country of student youth. There are a lot of purchases and technology in the middle of nowhere. contactless payments here it is as much as possible.

The Moscow Industrial Bank has received the last names and now the cards with the PayPass function are issued by Alfa-Bank, Raiffeisenbank, Petrokomertsbank, Citibank, Russian Standard Bank, Tinkoff Credit Systems and other banks (applied credit cardі debit card ).

MasterCard PayPass и Visa payWave. What is the best technology for paying in one dot?

A collection of new technologies for services and purchases using the contactless PayPass method was conceived to facilitate the very process of payment for goods and the economy of skin people.

The PayPass function, which is based on an NFC chip embedded in a plastic chip with an antenna (NFC is the technology of a mouthless high-frequency call of a small radio frequency), allows you to make a purchase and pay for a service in a few seconds. The terminal at the office reads information from the card and sound signal yes, it is necessary to pay, the sum was debited from it, and hence the purchase is zd_ysnena.

Here it is unwise to have mercy, having paid off one product, two - the system will not allow it, if you pay for it, it will be connected immediately. To pay for the goods, you must not bring the card to the terminal and change the amount, but the sum of payment on the yogh display board. It is possible not to drop the purse, but to bring it to the term - the service will be paid for all one thing.

If you see it in your wallet, you will not be able to pay for the decal cards from the radio - the terminal responds to them and the procedure is completed. Pay the sum, available function PayPass in Russia, become 1000 rubles and not more. With such a buyer, there is no need to insert cards or put your signature on the check. If the purchase is more expensive, then some additional operations can be known.

Visa payWave and American Express Express payment systems You can use one and the same terminals, which accept contactless payments, or even for certification of acceptance of contactless payments from cards of various payment systems.

Servant of PayPass is actively vikorystovuєtsya in times, de people do not get overwhelmed nadovgo. Tse mortgage shvidkogo kharchuvannya, pharmacies, train stations, airport, cinema. Contactless payment terminals are equipped with vending machines, toll roads, tour networks, gas stations, supermarkets and cafes.

The technology of contactless payments is a very comfortable method, which will save you an hour of purchases and servicing. viskogo rivnya... There is no need to carry with you and deliver the receipt, and take an hour to pay and take away the item. Cards with the PayPass and payWave function are universal, the stench can be successfully used in any terminal or ATM of all countries of the world. Quickly adapt the technology of contactless payments to navigate to smartphones, as well as manual - you just bring your phone to the reader and the purchase is consolidated.

Bezpeka PayPass i payWave

Cards with a PayPass chip were stolen by a mechanism that could rob undesirable purchases with unwelcome - for payment, the guilty party was sent to the terminal a little too close. When all the procedures are laid out in the hands of the buyer and under control, it is stolen from the shahrais.

Ale є i negative admission vicorystannya tsikh technologies. The results of the previous sessions showed the possibility of scanning a chip on a PayPass card with the help of inexpensive scanners directly in NATO. Allegedly, the methods of using technology (encryption and inaccessibility of direct reading instead of the chip) greatly accelerate the power of this cloning. In addition, the need for contact with the card at even closest places to rob the non-handy and practically unhelpful access to it.

Debt for payment (up to 1000 rubles. Without a signature and the introduction of a PIN-code), you can’t make money too much.

To prevent unauthorized access to the bank's chip data, they recommend an ekranuvati card (put it in foil or in a briefcase), and opponents of technology simply see it as a chip (if they turn it on at the opportunity) of any kind.

All in all, purchases with PayPass and payWave are just a matter of satisfaction, speed, security and ease of use!