Samsung pay card verification. How to use Samsung Pay to pay for purchases


Modern technologies don't stand still. They develop so quickly that many people simply do not have time to understand them. Just recently, paying for goods online was a new thing. And how it works was understood only by a limited percentage of people.

Now technology is developing even more rapidly. The turn of mobile phones has come. Literally every month new models appear on the market, equipped with dozens of useful functions. One of them is paying for purchases by phone. How is this possible? How to pay by phone in a store? What do you need to know and have for this? Let's figure it out.

Can I pay using my phone?

One of the recent innovations that our citizens became acquainted with is a contactless payment system. Here we're talking about about such types of cards as Visa PayWave and MasterCard PayPass. Great amount people have already appreciated the simplicity and convenience of this technology. In order to pay for your purchase, you just need to bring the “plastic” to a special POS terminal. There is no need to enter a PIN code or perform any other actions. Everything happens automatically. This incredibly speeds up payment.

The same process was taken as a basis when developing using a mobile phone. The technology is called Near Field Communication (NFC for short). The owner of the smartphone generates a special payment card that has a contactless payment function. For this purpose, a special mobile app, different for each system.

Popular contactless payment programs

As already mentioned, in order to turn a smartphone into a wallet, you need special program. You can pay by phone if you have one of the following applications installed:

Which program to install depends on what operating system your smartphone is running on. For Apple phones, only Apple Pay is suitable, Android smartphones will only respond to Android Pay, and the remaining program is only suitable for smartphones of the corresponding type. trademark.

Below we will look in detail at how to pay in a store by phone using one or another system.

Apple Pay

This contactless payment technology has been built into Apple brand devices. The gist of it is that you no longer need to carry around countless different plastic cards with you. You can simply “link” all plastic media to your smartphone and make purchases conveniently.

This is not difficult to do, and the service is really simple and easy to use.

Initial settings

To get started using Apple Pay, you will have to take several preparatory steps. First, you need to open a card account in one of the branches of the following financial institutions:

  • "Alfa Bank".
  • "VTB 24".
  • "RocketBank".
  • Bank "Saint-Petersburg".
  • Tinkoff.
  • Bank opening".
  • "Gazprombank".
  • "Russian standard".
  • "Yandex money".
  • Sberbank.
  • "MDM-Binbank".
  • Raiffeisenbank.

The list is constantly being updated and it is likely that several dozen more banks will soon be added to it.

And, of course, you need to make sure that your iPhone can handle installed application. The technology is supported by the following models:

  • iPhone SE, 6, 7, 6s and 6 Plus and 7 Plus;
  • Macbook Pro 2016;
  • iPad latest versions;
  • and II generations.

If your phone is more old model, contactless payments will have to wait a little.

In addition, for Apple installations Pay and it normal functioning you will need your Apple ID and updated to latest version"OS".

To make non-contact payments, you can add as many as 8 payment cards to your Apple phone.

Application algorithm

Here small instructions for those who don’t know how to turn a phone into a bank card:

  1. Open the Wallet system and click on the active link “Add a payment card”.
  2. Enter Apple code ID.
  3. Enter the payment card details in the fields provided: holder’s name, expiration date, number. Please provide a brief description.
  4. If you don’t want to mess around, you can simply take a photo of the card carrier. In this case, some fields will be filled in automatically.
  5. After this you need to wait a little. The bank that issued the card will determine its authenticity, identify it and decide whether it can be connected to the IPhone.
  6. When the verification is completed, click the “Next” button and wait a little more.
  7. Ready. Now you can use your smartphone to pay for purchases.

How to pay with your phone in a store? Very simple. To do this, just bring your smartphone to a special payment terminal. In this case, you need to hold Touch ID with your finger. Who doesn't know this big key at the bottom of the body. Hold your smartphone near the terminal for a moment and wait sound signal. He will notify you that the operation is completed and successful.

Android Pay

How to pay using a phone running on the Android system? There is nothing complicated here either. Download special application possible from the GooglePlay service. But it will work stably only if the following conditions are met:

  • presence of the Android system version 4.4 or higher;
  • pre-installed NFC module;
  • lack of open unlimited access to smartphone systems (root access).

There are several other conditions under which Android system You won't be able to use Pay:

  • The OS bootloader is not unlocked on the smartphone;
  • a version of the OS for developers is preinstalled or Samsung MyKnox is available;
  • The smartphone is fake and has not been approved by Google.

Before you pay with your phone in a store or salon, you must correctly install and launch the appropriate application. You can do it like this:

  • download and install the service;
  • open the program and find your account;
  • click the “+” icon in the bottom right corner;
  • select “Add a card” and fill in all the required fields;
  • confirm data by entering special password from SMS.

Ready. The card is “linked”. Before making a contactless payment, you need to make sure that the terminal supports such technology. Most often, this is indicated by special stickers in the form of radio waves (contactless payment) or Android logo Pay.

In this case, paying for your purchases by phone is also easy. To do this, it is enough to remove the device from inactive mode and bring it up rear panel to the appropriate location on the terminal. There is absolutely no need to activate the Android Pay program. It activates itself.

Now you need to wait 2-3 seconds and make sure that the payment is completed. Further actions will depend on which card is “linked” to the smartphone. If you pay with a credit card that exceeds the limit, you will need to additionally sign the receipt. If you use debit plastic, you will have to enter a PIN code.

Samsung Pay

This system is not yet as popular as its predecessors. However, the number of users is growing rapidly. This is partly facilitated by the fact that using Samsung Pay you can pay not only through the contactless payment system, but also where a magnetic stripe is installed in the terminal. This is possible thanks to a specially developed Magnetic Secure Transmission (MST) system.

The fact is that smartphones that support this special technology can create a special magnetic field.

The list of financial institutions that support this technology is not yet very large, but is constantly expanding.

To use the application, your smartphone must support NFC and have an operating system of at least Android 4.4.4.

The process of launching the application and linking the card is almost identical to those described above:

  • download the application and activate your account using e-mail;
  • determine the authorization path using a PIN code or fingerprint;
  • click the “+” symbol or the “Add” link;
  • enter your plastic card details or scan it;
  • read the terms of service, check the required box and click “Accept all”;
  • confirm your actions using the password from SMS;
  • use a stylus or just your finger to sign your signature on the smartphone screen;
  • Click "Done".

In this way, you can “link” no more than 10 cards to your smartphone. It all works very simply:

  • launch Samsung Pay;
  • select a card;
  • log in using a PIN code or fingerprint;
  • bring your phone to the POS terminal and wait a couple of seconds.

Pros and cons of payments via phone

Despite the popularity of the technology, it still has more disadvantages than advantages.

  1. Firstly, there are places where you can pay by phone, at this moment not so much. This is especially true for small cities or towns. After all, in order to make such a payment, you need an appropriate terminal. But it is not installed everywhere.
  2. Secondly, many cashiers are simply afraid of doing something wrong and come up with various excuses to refuse in a similar way payment.
  3. And finally, in order to pay in this way, you must have a fairly expensive and “sophisticated” phone. And, unfortunately, not everyone has it.

However, there are also advantages to paying by phone. First of all, it is stylish, fashionable and still attracts attention. In addition, it is also incredibly convenient. After all, you don’t have to carry a whole bunch of plastic cards with you and remember the PIN codes for each of them. It is enough to enter all the data into the program once, and in the future it will do everything for you.

Conclusion

Now you know how to pay with your phone at the checkout, and if necessary, you can do it. Technology is developing so quickly that the day is not far off when similar phenomenon will no longer be surprising, and payments using the phone will become available everywhere.

A well-known electronics manufacturer has expanded its services and recently launched a service that makes payments easier. The domestic card Mir of Sberbank and Samsung pay will provide the opportunity to carry out transactions without the participation of plastic and save on transfers in self-service devices.

Contactless technology has made plastic safer and more reliable. The microchip and the sent radio signal help to make a payment with one touch and leave no chance for fraudsters to read it.

There is no need to carry the card with you all the time. Instead, a smartphone with support is used innovative technology. Initially there was cooperation with the MasterCard system, later Visa joined.

What cards does it work with?

Payment systems led to the introduction of the service in our country. You can easily connect debit cards from Visa and MasterCard, including:

  • instant release of Momentum and Electron;
  • youth standard and with individual design;
  • classical category;
  • premium Gold, Platinum, Infinitive, Signature;
  • co-branded varieties Aeroflot and Podari Zhizn;
  • exclusive Black Edition and Elite.

Participation in the lending program will allow you to use credit cards. Momentum, classic, premium and co-branding cards are included.

How to add a World map?

Convenient functionality allowed you to connect Russian World. This happens in several steps. Sberbank supports the system and promotes the distribution of plastic with characteristic symbols.

Expert opinion

Alexander Ivanovich

A bank card of the appropriate category is purchased. You must have a smartphone with the necessary software. You should connect the Samsung Pay Sberbank option.

Connection nuances

The procedure is well established and does not cause any difficulties. The holder remains to adhere to a certain algorithm.

  1. IN official store Samsung is downloading the right application. Some smartphones have a corresponding icon in the menu.
  2. After opening the application, it is created Account. Used email, you become familiar with the terms of the program.
  3. It is necessary to clarify the verification method; choose between a PIN code or a fingerprint. The first option will lead to the selection of a reliable combination.
  4. Plastic is added and the required information is entered.
  5. The terms and conditions of the two partners are accepted. Enter the received code from the SMS message for registration.
  6. Sign with a stylus or use your own fingerprint.

Expert opinion

Alexander Ivanovich

You are allowed to link up to 10 cards to the service. Category and type do not matter; debit and credit plastic are suitable.

Step-by-step user instructions

Samsung Pay should replace plastic completely. To make a payment, the user performs sequential actions.

  1. The application will start by clicking on the icon or moving from below to top part without lifting your finger.
  2. All cards linked to the service will appear on the screen that opens. One plastic card is selected, and authorization occurs using the selected method.
  3. All that remains is to bring the smartphone to the terminal window. When paying at the cash register, they sometimes indicate the card password or put a signature.
  4. The funds are debited immediately, a printed receipt will confirm the payment.

The process is expedited. Payment won’t even take a minute; scammers simply won’t be able to use the reading circuits. Theft will not work without knowing the password or fingerprint.

How much does it cost to use?

The advantage of using the service is not only simplicity. Conducting transactions is not related to inclusion additional fee and it happens completely free of charge.

Where can I pay with Samsung Pay?

Paying for purchases from a smartphone is not that difficult; banking apps have been allowing you to do this for several years. But there is a certain trick to this: your bank must support this option at the application level, your smartphone must have NFC, and the payment terminal must be able to accept payments wirelessly. We all know that the more “ifs” there are, the more difficult it is to use the service and the less often we will resort to its capabilities. My experience suggests that I have never used wireless payments on a smartphone. Everyday life never, but there are several reasons for this. First, you need to take out your smartphone, launch the application, and enter the code on it. Secondly, it’s faster and easier to get a card, especially since there is no difference in how you spend your money. Both when paying through a banking application and when paying with a smartphone, you spend exactly the same money, so each of us chooses the usual method. My friend really came up with this idea a good option using a banking app, he installed it on his child when he sent him to summer camp. The stores did not ask for documents for payment, and the child could easily purchase what he needed, while the father saw all the payments. But this is such a niche story that it is impossible to talk about the mass distribution of such a scenario.

Many people transfer their experience of using banking applications to the emerging Samsung Pay service, which turns samsung smartphone into a payment instrument. But between the Samsung Pay service and separate applications There are big differences between banks, both in ease of use and in the bonuses that you can get without making any effort, just by continuing to use your money. Each bank applies to its applications exactly the same tariffs that your card has; there are no additional benefits when paying from a smartphone. They are not trying to turn a smartphone into Samsung Pay Samsung Galaxy into a single payment instrument, the service is evolving with an eye toward a future where your Galaxy will quietly become not only the place where most of your life is stored, but also the payment instrument that handles most of your payments. But today it is a full-fledged service that allows you to pay from a Samsung Galaxy smartphone anywhere, without exception. There is no need to look for terminals that support wireless payment, whether you took your wallet with you or forgot it at home along with all your cards, you will definitely never leave your smartphone behind. It's funny what modern man may leave home without money or bank cards, but none of us forgets our smartphone, because we can’t imagine our lives without it.

Not a single service allows you to pay on old terminals using a magnetic stripe from a smartphone; Samsung Pay has removed this limitation using MST technology (Magnetic Secure Transmission). You simply place your Samsung Galaxy smartphone on the side of the terminal to the card reader and it emulates the magnetic stripe of a bank card, which means you can use this type of payment wherever they accept bank cards.


How safe is it, can your data be stolen with this type of payment? This is a question that concerns any person, because you trust your smartphone with your funds and you don’t want to lose them if it is lost or stolen. Samsung Pay put security at the forefront, but did everything so that it was convenient for you to use the service and ergonomics did not suffer. Let's look at the key security elements:

  • Tokenization – when activating a card for Samsung Pay on your smartphone, the real card number is replaced with a special one digital code- a “token” created randomly, which is issued by the payment system and accepted by the issuing bank. Only the bank and the payment system have information about linking your real card number to the “token”, and they are reliably protected.
  • When paying at any point of sale, it is not your bank card data that is used, but the “token” data issued by Samsung Pay and accepted by the payment system. This means that even if an attacker somehow intercepts the signal, it will be useless to him, since the “token” data is unique and works only for one payment, changing every time;
  • Smartphones that support Samsung Pay have built-in security protection Samsung KNOX, it monitors vulnerabilities in the smartphone, and this encrypted space in which payment data is stored ensures protection Samsung data Pay regardless operating system, that is, this is additional protection compared to regular Android;
  • You can make a payment only after successful authorization using your fingerprint or using the application PIN code, but the first method is much simpler and more convenient, and its security is beyond any doubt.

Complex technologies in everyday life should be simple. So, to call Samsung Pay, you don’t need any dances with a tambourine; even when the screen of your Galaxy smartphone is locked, you can pull up from the bottom and your card will appear, as well as the ability to pay for the goods within 30 seconds. You just need to bring your smartphone to the payment terminal.


The payment process is very simple and straightforward. But here the same question arises as for banking applications: why pay with using Samsung Pay, what is the difference with regular card? For myself, I found the answer in several scenarios, I will try to describe each of them.

I often start my day in a cafe, where I drink a cup of coffee with cheesecakes and read Twitter on my smartphone. When they bring me a bill with a payment terminal, I don’t have to reach into my pocket for a bank card, but simply tap my smartphone and pay my bill. It’s not worth considering this as saving time, the gain is not that gigantic, I’m just avoiding fuss. Another pleasant moment is that after a week I simply stopped carrying my card with me, since the need for a piece of plastic disappeared, the smartphone completely replaced it.

But there is another plus that should not be discounted. All the nice goodies that are linked to my bank card do not disappear anywhere when paying with Samsung Pay, for example, I have cashback, it continues to work. But there are also various offers from Samsung where you can save money. You need to look for these offers.

Let's take a look at what you'll get if you pay for coffee at Shokoladnitsa using a Raiffeisenbank card using Samsung Pay. And you will receive a 50% discount on drinks.


Nice discount? Undoubtedly. It’s one thing to pay 200-250 rubles for a cup of coffee, and quite another to pay half as much. And this can be done an unlimited number of times. Do you think this is where the bonuses end? Not at all. By registering your card with Samsung Pay, you can get two movie tickets, this is an offer from the MasterCard payment system.


Samsung, in turn, gives a discount on accessories, and this is also a significant discount - from 15 to 30%.


How would you like a refund of 1,000 rubles to your Raiffeisenbank account when paying with Samsung Pay for three purchases in the amount of 500 rubles or more? It turns out to be very profitable.


These are one of the first promotions that are offered along with Samsung Pay; new interesting bonuses will be constantly offered, which are pleasant to receive, and most importantly, they do not require any costs from you. It's like a win-win lottery where you always win if you keep an eye on what's being offered as bonuses from Samsung Pay. Let me remind you that all your bonuses from the bank go independently and you continue to receive them.


In order to install Samsung Pay, it takes at most five minutes, after which you will be able to use it immediately. The list of supported smartphones is as follows:

  • Samsung Galaxy S7 (SM-G930F)
  • Samsung Galaxy S7 edge (SM-G935F)
  • Samsung Galaxy S6 (SM-G920F) – NFC only
  • Samsung Galaxy S6 edge (SM-G925F) – NFC only
  • Samsung Galaxy S6 edge+ (SM-G928F)
  • Samsung Galaxy Note5 (SM-N920C)
  • Samsung Galaxy A7 2016 (SM-A710F)
  • Samsung Galaxy A5 2016 (SM-A510F)

Payment system cards are currently supported MasterCard And Visa, in the following banks:

The number of partner banks is constantly increasing, as well as their offers.

Our time is wonderful because we can get additional benefits without spending any effort, simply by navigating what is happening around us. IN Samsung case Pay is even easier, information about offers appears on your Galaxy smartphone, you can immediately see what kind of discounts or bonuses you receive. And it costs you absolutely nothing. In November alone, this service saved me about 2,000 rubles (50% discount from 8 cups of coffee, plus a refund of 1,000 rubles to my account). Few? It depends on everyone, but I see this as a win-win proposition, there was no dancing with a tambourine, you just had to pay with your smartphone, and this is easy to do. I am sure that in the near future the presence of Samsung Pay on a smartphone will become one of the arguments in favor of a smartphone a certain model, since the gain in money due to certain shares is obvious. And these are just the first steps of the service, there will be more to come. After spending five minutes, you will be able to get real benefits from using your money. And it's a smart approach to make your money work even as you spend it. Therefore, I advise you to install Samsung Pay on your Samsung smartphone, if it is supported, or take into account the presence of this service when choosing your next smartphone. Enjoy the shopping!

How much does it cost?

No additional fees. Only the plastic card itself is paid (usual fees for issuance, servicing, loan interest, etc.) in accordance with the Client’s PU. There are no additional fees for the token, as well as operations on it. Even if there are 20 tokens.

I lost my card - what should I do?

Block the card in any usual way.

If the card is blocked through a branch, call center or Alfa-Click, all tokens will be blocked automatically.

If a card is blocked through Alfa-Mobile, only the card will be blocked, the tokens will continue to work. You can block or delete tokens separately from the card through Alfa-Mobile or through Samsung app Pay.

I lost my phone - what should I do?

Lock your smartphone using the Samsung Find My Mobile service. This will stop all payment card tokens added to Samsung Pay on the device.

If you have access to the Alfa-Bank application, block the tokens in it.

Otherwise, block your bank card through the call center, Alfa-Click or Bank branch - all tokens of this card will stop working automatically.

What can you do with tokens in Alfa Mobile?

  • View all tokens issued for the card
  • View token transactions in the statement (the word “SamsungPay” will be added to the comments to the transaction)
  • Block/unblock tokens separately from the card itself (in the “Cards” menu)

What is the PIN code for the token?

If, when paying with a token, the cashier asks you to enter a PIN code at the terminal, you must enter the PIN code of your plastic card.

The virtual card does not have a PIN code, so you can pay with a token only where a PIN code is not required. By the way, you may not be asked for a PIN code even for purchases over 1000 rubles. - this is how the most advanced terminals can work.

What does "PIN" mean on your phone screen?

Where can I pay with Samsung devices?

You can pay wherever bank cards are accepted: using Samsung's own MST (Magnetic Secure Transmission) technology, Samsung devices create an alternating magnetic field to transmit data in magnetic stripe format to the payment terminal payment card. Payment using Samsung Pay is not possible only on older terminal models where you need to physically insert a plastic card.

Also, using Samsung service Pay allows you to withdraw cash from ATMs and pay for purchases on websites and mobile applications.

What happens to the card if I delete the token?

Nothing. The plastic card will work as it did. Tokens can be deleted and recreated at any time. And it's free.

Why was I unable to create a token?

The most common reasons:

  • Phone does not support SamsungPay
  • The card parameters are incorrect (number, expiration date, CVC2 code)
  • Card is blocked, or invalid, or inactive
  • No current number phone number you provided when contacting the bank
  • Incorrect SMS code entered
  • Unstable Internet connection
  • Unstable signal cellular communications
  • The number of simultaneously created tokens has been exceeded (maximum 10 different tokens per phone, 20 tokens per card to different devices)

If the above steps do not help, contact technical support Samsung by phone. 8-800-555-55-55

The design of the card on the screen is different from the design of the plastic card

It's OK. This does not affect the ability to pay with a token.

The bonus card number is not visible on the screen on the card

That's how it should be. The phone does not save the photo of the card itself, so it does not remember or display the bonus number.

Where will the SMS arrive?

SMS will be sent to the phone number registered in the Bank's systems (from any service)

Does Samsung Pay work with Samsung Gear S3 classic and Samsung Gear S3 frontier?

Will I receive bonuses on my card (Aeroflot, World of tanks, Russian Railways, etc.)

Yes, they will. When paying with Samsung Pay, all bonuses of the original card are preserved - except for M-Video cards connected to Samsung Pay in M-Video stores. This is a feature of a partner’s work. When paying with Samsung Pay in other stores, bonuses will be awarded, including when paying with a token for an M-Video card.
To pay for a purchase using M-Video bonus points, you need to present an M-Video plastic card or provide the phone number that you indicated when receiving the plastic card. If you notice that bonuses were accrued incorrectly or were not completed, please contact the bank.

A new modern payment system has started operating in Russia Samsung system Pay, whose main focus is working with mobile phones and smartphones. In Russian it sounds like Samsung Pay and, as you probably already guessed, its author and developer is a South Korean company. Today, the user base of the service has already exceeded 1 million people!

Now your phone is your electronic wallet. Simple, fast, convenient!

What is her “trick”? If we talk in simple words, then the peculiarity of this function is that thanks to it you can not carry a credit card with you, but simply bring your mobile phone to the terminal and pay with it.

How it works in theory

Payment is very simple. To pay, just open the application by swiping up and bring your phone to the bank terminal, confirming the purchase. All user data is stored in encrypted form, and information about virtual cards is transmitted to the terminal, which allows you to keep real data safe. No commission is charged.

Instructions for use

To take advantage of all the benefits of the latest mobile payment system First you need to install the Samsung Pay application on your smartphone. To do this we open Google Play Store and using search we find the application. Alternatively, you can follow this link.

  1. Click on the “Install” button and wait for the process to complete.
  2. Next we launch installed program. First you need to configure it. The first step will be to create virtual card Samsung Pay. To do this, click on the “+” icon (Add card).
  3. Now you need to take a picture of the plastic with the main phone camera
  4. After this, data verification will start
  5. Next, you will need to enter your signature into the program database.
  6. If the verification was successful, you will receive an SMS with a confirmation code, which must also be entered in the application window
  7. After this, you will receive a message stating that the card was successfully added.
  8. Now it will appear in your wallet

This way you can add all bank cards to the database and no longer carry them with you. Now you can go to the store!

We use a virtual card for payment

So, you are standing near the checkout in a supermarket or cafe. How to pay for a purchase or service using Samsung Pay?

  1. First you need to swipe up, that is, press your finger at the very bottom of the screen and pull it up:
  2. The payment application will open:
  3. Then you need to confirm your identity by placing your finger on the fingerprint scanner.
  4. Now we bring the Samsung phone to the bank terminal at the moment when the word “Insert card” is lit on it:
  5. We enter the last 4 digits of the number, complete the transaction and receive a check. The Samsung Pay payment has been completed successfully and you can put your phone in your pocket!

Let's make sure the smartphone is on the list

The new contactless payment service only works on the following devices:

  1. Galaxy S7 (SM-G930F)
  2. Galaxy S7 edge (SM-G935F)
  3. Galaxy S6 edge+ (SM-G928F)
  4. Galaxy Note5 (SM-N920C)
  5. Galaxy A7 2016 (SM-A710F)
  6. Galaxy A5 2016 (SM-A510F)
  7. Galaxy S line (from series 6*)
  8. Galaxy A line 2017
  9. Galaxy Note 5
  10. Gear S3

Galaxy S6 and S6 Edge support payment only by NFC technology. Work via MST is not available on these models.

List of payment systems and banks

At the end of 2016, the Korean company’s service works with VISA and MasterCard payment systems. Samsung Pay is compatible with credit cards from the following banks.

VISA and MasterCard

  • ALFA BANK
  • MTS-Bank
  • Raiffeisenbank

MasterCard

  • VTB 24
  • Russian Standard Bank
  • Yandex money
  • SBERBANK
  • Bank opening
  • Bank "Saint-Petersburg
  • BINBANKBank
  • Dot
  • Bank Tinkoff
  • Rocketbank

Unique data protection methods in Samsung Pay

“Tokenization” of data is the first circle of protection of user data. The essence of the method is to replace real user data (numbers, full name of the owner, etc.) with virtual ones. When a card is activated in Samsung Pay on the user’s smartphone, the real card number is replaced with an encrypted digital code - a “token”, which is generated randomly.

The KNOX secure environment is the second circle of protection, which is the whole system security. This reliably protects the smartphone from possible attacks from various malware and constantly monitors for potential threats to user data.

Even if a spyware virus gets onto the device, user data will remain securely encrypted in a protected “container” inside KNOX. Before registration, the security system checks current firmware devices.

If the smartphone is hacked, for example, attacked by viruses or an unofficial firmware version is installed on the device, the user will not be able to register a credit card. If the smartphone is hacked by the user himself to grant administrator rights - Root rights, the KNOX security system will block the Samsung Pay service and its use will be impossible even after re-flashing the device and removing Root rights.

Authorization using a fingerprint or PIN code is the third and final layer of protection. To pay for each specific purchase using the service, mandatory user authorization using a fingerprint or a unique PIN code is used.

Even if your smartphone falls into the hands of criminals, they will not be able to pay for goods via Samsung Pay without the fingerprint of the device owner or a PIN code that is known only to you.

Conclusion

The payment system from the South Korean company allows you to save precious space in your wallet by removing all unnecessary cards, which is very important for those who use the services of several banks at once.

The main advantage of Samsung Pay is the ability to use not only contactless payment terminals (NFC), but also classic magnetic terminals (MST).

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