Yak is called a card, yak is applied to the terminal. Yak pay by phone: smartphone replace payment card

Yak pay by phone for a friend in stores to sell people. If I want to make a decision, then it’s probably recent purchases on the Internet at all. І few hto rosumіv, yak tse pratsyuє. Infected by purchases on the Internet, no one is welcomed.

It also by itself faded from all over the place rozrahovuvatisya at the checkout of shops or supermarkets with a payment card. And before that, people are smartly singing.

The first axis now has already come the cherga mobile phones... Stink at the peak of your popularity. To equip virobniks with everything. brown functions It’s not surprising that smartphones have gained one more power - they have become mobile payment cards.

Not a long time ago people got to know the payment, as a vicarist function contactless payment... Go to MasterCard PayPass and Visa PayWave. Koristuvatisya them to finish just that zruchno. If you need to pay for the goods, you need to remove the card from the POS terminal, no PIN codes are required to enter, and I will speed up the payment process.

A supplementary principle of working and starting an hour of calls for an additional mobile phone. Smell navіt vikoristovuyut one of the very same technology called NFC (Near Field Communication). The essence of the її polyagaє is that the owner of the smartphone, zasosovuchi mobile supplement collapsible virtual payment card with the function of contactless payments.

Programs for contactless payments

To equip your smartphone with a payment card function, you need to install one of the following programs:

• Apple Pay;

Skin s programs go only to specific types of smartphones. So Apple Pay for iPhone, Android Pay- for telephones with the Android operating system, Samsung Pay- for smartphones with the same brand.

Apple Pay

Before the speech, this change will gradually improve and, perhaps, even sooner there will be absolutely all the correct financial statements.

The list also includes Oschadbank, VTB24, Gazprombank and many other banks. Price means that cards, copied with different financial settings, can be tied to the mobile IPhone attachment.

To establish that function Apple programs Pay is required:

• IPhone 6 and newer models;
• payment cards;
• the last version of the operating system. As a rule, the iPhone will be updated automatically, because of the number of problems it is not to blame;
• The AppleID identifier is an oblivious record of the corystuvach.

This means that no more than 8 payment cards can be added to the iPhone.

To attach a payment card to the phone, use the Wallet program. Algorithm for diy kartkoutrimuvach offensive:

• for the Wallet program, it is necessary to add a payment card to the account;
  enter your AppleID password;
• it is necessary to enter the details of the payment card: number, term of the card, name of the owner, and a short description. When you take a photo of the card, the part of the tribute will be entered automatically;
• Distant bank-credit card identification card so that you can give it to the IPhone;
• To complete the conversion, you need to press the "Distant" button and all the distance you can pay for purchases without a payment card, or with an additional IPhone.
• For the whole need to deprive the mobile attachment to the payment terminal, trim your finger on the TouchID (there is a large button at the bottom of the case). Dalі sound signal Help about the successful completion of the operation.

Lock up and get up Android program Pay is available from GooglePlay. Against the backdrop of obviousness in smartphones:

• operational Android system version 4.4. і vishche;
• NFC module.

This is also varto vrahuvati mobile annexє Open root access (unlimited access to phone systems), so there won't be any additional Android Pay add-ons. Also, the program will not start when:

• the phone has a version of the OS for retail;
• Samsung MyKnox program installed on the phone;
• pristіy not google the procedure;
• the phone has been locked out of the operating system.

To add a card, it is necessary to complete the next instructions:

• download and install Android Pay add-on;
• vidkriti Android program Pay and Know Your Own Record;
• on the right lower codend, put on the plus sign;
• vibrate the menu "Dodati kartku";
• here on vibir: take a photo of the card or memorize all payment requisites;
• confirm the card by entering the password from SMS.

Before you can pay with your phone, you need to switch to read the POS-terminal of the latest technologies. Diznatisya about tse to finish it is simple. On the attachment there is an icon for a childless payment (radiohvili) or an Android Pay emblem.

Yak payment will be paid:

• If you want to use the phone, you need to use it in the sleep mode and in the unlocking mode. When you run the Android Pay program, it is not necessary;
• bring phone back cry before the terminal, pay for that few seconds;
• For more details, lay down according to the type of picture. Debit - you will need to enter the PIN-code, if the credit card and payment for the establishment of the limit - register on the cash register receipt.

There is still no popular addition to the front, but only a few of them are fast growing. Pay with with Samsung Pay is possible not only in terminals, but it can accept contactless payments, ale and і magnetic smuga. The rest has become the basis of the MST technology (abbreviation Magnetic Secure Transmission).

Mobile annexes, which can be accommodated Samsung program Pay can generate a magnetic field to increase the card, which is identical to the magnetic darkness of the card. U tsomu y perevaga tsієї programs So how to spend money on purchases for your help is practically possible at all terminals.

The switch of banks that support Samsung Pay is not even great. However, the new presence of Oschadbank, TinkoffBank, Raiffeisenbank, deprived of 21 finances, is installed including. Yandex pennies.

At the same time, there are also annexes, on some practical programs. The main technical services before them:

• the presence of the operating system is not lower than Android 4.4.4;
• Adopt NFC technology.

It is easy to add a payment card to add a payment card:

• run the program and provide an account with Samsung Account (e-mail);
• natisnuty "Launch";
• Vibrate the authorization method: with a single finger or for an additional PIN-code;
• natisnuti on the plus sign or on the "Dodati";
• view a card for an additional camera or enter the requisites by hand;
• put a tick about the knowledge of the minds of the service and the bank's property and the naprikintsi natisnut "Accept everything";
• edit the SMS with the code from the card-issuer bank and enter it at the specific field;
  enter your signature on the screen: use your finger with a stylus and press “Done”. It’s necessary, if the cashier knows to check the vlasnik’s signature on the phone from Tim, and on the cashier’s receipt;
  All the pictures have been completed. Varto zvazhiti, for one mobile phone no more than 10 payment cards.

The payment process є will be forgiven. If you want to start the Samsung Pay program, you need to vibrate the card. Possibility to perform authorization with a finger. It took a few seconds to bring the phone to the terminal.

Neighborhoods and shortcomings

Perevagi

Paying for an additional mobile phone is not trivial for an hour and it is not necessary to constantly carry payment cards. Well, in the environment of the whole, on this day, the trick is fashionable, I will respect myself to myself.

Incomplete

If it’s not enough, then the stink of the offensive man’s stink:

• a potato trimmer is guilty of volodya, apparently a new model of an expensive telephone;
• Kasiri does not accept such payments, so there is no reason to be afraid of failure, and as a result, they change the payment;
• For the operation, it is necessary to have a terminal with the function of contactless payments (with Samsung Pay).

Paying with your smartphone is easy

Also, if you pay with your phone, replace the cards, in principle, smartly, nothing foldable in a whole lot. Zagliblyuvatsya in technical nuances the process for the average upstate doesn’t know sense, there are some reflections of the scope of the faculties of the university profile.

Don't be afraid to pay for purchases with your phone. Even the process itself is not foldable, but for its operation it will be necessary to deprive itself of the presence of a smartphone and software storage.

At the same time, the operation is not lower than the price of payment cards. To that to worry about the stealing of money by hackers is also dumb sense.

Equipping mobile telephones is the price of an offensive stage in the development of contactless financial technologies. This year is also a part of the power of the year, bracelets and other mobile gadgets.

Not long ago, in the novelties, the plot appeared, they tested a special chip, which was sewn into the house of the people. Winning all the necessary information about his own master, including the number of rakhunks. First of all, Lyudin could go to shops and supermarkets. That is a whole lot of fun, but in a dozen hour more technology will be available everywhere.

Oleksandr Babin

A bank or a transport company will purchase blank cards and write down your program on them with the customer's “payment data”. The whole process, the ranks of the personnel, the staff can be found at the pro-perso-bureau, which can be used as internal support staff of the service managers, and by the companies above the market. The process of personalization of the data on the card is encrypted and encrypted with keys, which will not allow this change. Moreover, the architecture of modern smart cards allows for the hardware expansion of the standard before and after the staffing, which will increase the possibility of changes (buckets), for example, your payment cards for that

The evolution of cards from magnetic smog (MagStripe) to smart cards from chip (EMV) and contactless interface (RFID) called before the form factor of the card ceased to be meaningful. So yes, the power of vicoristovuvati yak "wear" cards be a kind of object: a plastic card, a year, a bracelet, a sticker, a keychain and, of course, a smartphone.

Yak vlastovani NFC telephones

NFC is all about technology childless transmission Danih. Taka sama, like Bluetooth or WiFi, only pratsyuє on small town i not much high frequency(13.56 MHz), so є ї ї

At the same hour, NFC - the extension of the standard contactless smart cards ISO 14443, which, as it was already meant, will be able to use the current bank cards, passages in the office on the parking lot, old "tickets" near the metro, "Tracks" ". In other words, the NFC standard will use the entire ISO 14443 standard, for which 100% of the NFC smartphones are 100% safe, contactless cards and the basic infrastructure of the reception.

For NFC-sumy telephony, for the use of power-on NFC-attachments, for the NFC-antenna and for the NFC-controller, the so-called Secure Element is to blame - an award for microprocessor, which was previously used in plastic cards. We will be able to provide you with information about the security and availability of payment programs (for example, MasterCard Mobile PayPass). Secure Element can be installed (installed on mother's pay phone) or it is known on the modules, which can be seen: UICC SIM-cards or SD memory cards.

Registration of a payment card at the telephone

Yaksho in telephony pidtrimkoyu NFC There is the same microprocessor, like in plastic cards, the application will ask for it by itself - you can write the same payment programs to your phone and use the same phone until you read it, and contactless payments.

First, I will try to put the card in the phone from the Russian Federation. stylistic operators, for example, "MTS" and the bank "Russian Standard", "Megafon" and the transport card near the metro station Yekaterinburg, "Bilayn" and the transport card near the metro station Kazan tosho. For the whole it is necessary to buy a lot of special UICC SIM-cards with Secure Element, go to the bank or a transport company about the advance registration of the payment or transport supplement, bring the SIM-card to the personal office for the contact service exchange old SIM-cards of subscribers at the new service center.

So, put the card in the phone in such a way, and it is possible. Ale scho robiti, how do you need a bank? Is there a transport company in this place? And maybe at two places? SIM-cards will be delivered as soon as they are handled by all the stations in front of the consumers at your hand, and the stylistic operator will be hosted by all the companies. When re-issuing a bank card, for example, through the end of the term, the operation will be repeated.

Personnel and TSM platform added

Happily, on the view of a plastic card, the phone is an interactive add-on, which depends on the call (be it Wi-Fi or stylnikov fusion), but it means that you can write down to a new card, in a persistent way, for a long time, but in a different way, depriving you of the quiet servants that you need yourself. To enable the central functions, the role of TSM (Trusted Service Manager) was formed - a trusted middleman, from one side, from one side, service managers (banks, transport is too low.), From the other - the Secure Element chip in all forms. The same TSM platform was launched in the i-Free company and certified to meet all the necessary standards.

The main functions of TSM:

1. Aggregation of service providers The bank is the only service provider that connects to TSM using the standard protocol and will allow access to the Secure Element bag, so that. I will take away the power of vipuskati carto for bagatyokh koristuvachіv. If you have a whole house, you do not need to use a skin operator for a stylist, or with a skin phone virobnik. Qiu part of TSM is called SP TSM (Service Provider TSM).
2. Aggregation of the latest Secure Element. Vlasnik Secure Element (a stylistic operator abo virobnik telephones) will connect to TSM using a standard protocol and will deny access to service providers, so that. I will take away the power of nadati to my koristuvacham rich in services. At the same time, you don’t need to use a skin provider, you don’t need to use the special features of the skin service, the hardware and system capabilities of the new Secure Element. Qiu part of TSM is called SEI TSM (Secure Element Issuer TSM).

Yak pratsyuє TSM platform

The TSM platform will provide a secure element for secure element chips to the phones via a secure connection. For the order of the postmaster, the TSM service will record (for example, I saw, for example, when I was using my smartphone) the personnel of the card's data in the Secure Element phone, the phone itself was turned into a modem. In addition, the platform allows service providers to "look" at the cards issued by them, for example, to conduct an audit or display the current balance for payment cards on the screen of the phone, or with loyalty cards.

The Secure Element keys are stored on highly specialized HSM (Hardware Security Module) servers, which are not available on many TSM platforms. Without the participation of the rest, access to the chip is unfortunate - exactly for this principle of the plastic card industry, only the keys are found at a given bank or a transport company, as I have issued a card.

As a card to pay for the purchase, select the card through the program "Gamaneets", which displays the cards available for issuing, and also accepts applications for the issuance of new cards. The application must be sent to the postmaster of the servant, who will replace the payment tribute on a plastic card, transferring the data via TSM to the Secure Element phone.

Dodatok koristuvach

Dodatok "Hamanets" pratsyuє in operating system the telephone, as for viznachennyam not є without baking, and, apparently, "Hamanets" does not take revenge on any functions connected with baked goods. The main role of the programs, in addition to the demonstration of cards that are available before issuance, is used to connect the Secure Element and TSM to the unprotected channel, as well as the provision of interactive interfaces to the add-on, Secure cards.

For a large number of vipads, like the addition of "Gamanez" to the vikorists in the use of the Secure Element telephone, it is often impossible for the vikladati to use Google. Prosuvati, no need to zapanazhuvati or get up - just in the phone - also at home, like "Calculator".

Be-like a card in a be-like telephone

To reset the phone to bank card TSM is guilty of limiting access to the Secure Element either from the virobnik of the phone, or from the owner of the SIM card (stylistic operator). Oscillations of payment cards cannot be transferred to the phone and do not "get attached" (you must use "duplicates"), but are issued anew, then for the issuance of a bank card into the phone, the bank is responsible for connecting to TSM.

Such a rank, be it a card in any phone, let it go and not see it, but it’s right there, and it’s obvious to all the participants in the market that it’s a natural, European crocus. At a number of telephone virobniks (new functionality, such as a cool megapixel in the camera), and stylistic operators (approximately for the same reason), service providers (new auditor and channel sales from interactive plastic cards).

On a seasonal basis in "Gamants" it is possible to use a bank card "TKS Bank", until the end of the day, payment for travel in transport will also be available: in the dense zone start the city of Vologda and Cheboksari. The offensive rock available for the release of cards will be much larger. Contactless are your enemies!

Pislyamova

A lot of processes (both technological and business), described in this post, are even more forgiven for improving the intelligence of all pictures. You can, for the singing sense of the text, read more before the magazine "Selyanka", below Habru, but such introductory material would not have been read for the more recent publications of payment cards from the telephone. Primed on your feeds and comments, we will step by step open around the part of the great world, by encouraging those people.

Infectious for accelerating the process of payment for the most popular goods and services for becoming popular programs for contactless payment. Before them there are the following payment systems:

• Apple Pay;
• Samsung Pay;
• Android Pay from Google;
• Alipay;
• Yandex-Gamanets;
• Visa Qiwi Wallet.

Basic programs for contactless payment via nfc chip

Apple Pay

Victory for operations from victorious virobes from the all-important Apple company. Mova ide pro iPhone smartphones, iPad tablets, Mac laptops and Apple Watch... Tse payment supplement pratsyuє through nfc - a special technology of contactless communication. Whenever your bank card is ma buti obov'yazkovo tied to your by recording from iTunes systems.

Samsung Pay

The direct competitor of Apple - the company Samsung - also proponed its own program for nfc payments to its counterparts. In Russia, the service has become available only for the past fate. Skoristatis him can deprive the masters of flagship mobile devices Samsung Galaxy, and from April 11, 2017 until the end of the line, the adopted model Samsung Gear S3

Android Pay

For those who are in power and their smartphones on the go, there is a program from the Google company, since 23 May in Russia. This technology is available for any outbuildings that meet the following characteristics:

• Android version not lower than 4.4;
• the availability of the chip for nfc payments;
• Possibility of the HCE card victorious system and emulation.

AliPay

Until the end of 2017, it is planned to plan ahead to Russia payment system from the home of the Chinese giant of electronic commerce Alibaba. The first partner of the service at the office of the streaming rock was the status "Modulbank". It is also planned to equip shops with special terminals for the sale of luxury goods, and to navigate duty-free zones near the capital's airports.

Deyaki programs for contactless payment through nfc are linked with electronic penny systems.

Yandex penny

Adapt the technology from April 2016 to the rock, sp_vpratsuyuchi with Mastercard. With help, it is easy to get paid in shops, parking meters, railway stations that metro.