Related
http://hothardware.com/News/Google-Purportedly-Testing-NFC-Payment-Machines-In-NYSF-Stores-/
thoughts?
Sounds great to me, but it may be some time before the UK takes the NFC a little more seriously.
Can't wait for the day i can use the oyster card (london tube card system) and pay for items in the supermarket without the extra stuff in pocket
I want this so hard. I love this phone.
Oddly enough, most people I tell NFC about are horrified by it, thinking someone will steal there bank accounts from the phone.
Sent from my bathroom, with toilet paper.
well its true you can get your info stolen but they will probably have security or maybe already have security for this stuff. they also sell wallets that protect you from this stuff
It is possible for people to steal your info, but the solution is WAY MORE SECURE THAN WHAT WE ARE USING TODAY.
With NFC the only real way to steal the info is to have some type of RF scanner, scan the signal at the exact time of the transaction, decode the info, and then you may get a credit card number. Even if you have a credit card number you may never be able to find the unique ID on the chip that can be associated with that single credit card that could be needed to complete a transaction.
With today's technology to steal info you have to just look at someone's credit card, remember some numbers, and forge a signatures that no one really looks at.
or just use the credit card numbers online where no sig is required.
As an added bonus most new credit cards have PayWave or PayPass on them anyway!
NFC payments are being tested in Australia as well, but here they are using iPhones with a case containing NFC hardware (instead of just using a Nexus S...haha). They are talking about SD cards with NFC on them for Android phones as a solution as well as the iPhone cases.
Quote from Ron Rule on twitter:
"How is it more 'convenient' to start an app, pick a card, enter PIN, then confirm vs. just swiping a credit card?"
You've got to admit he's got a point! Sometimes phones just aren't the best way to do things. I recently got my boarding card for a flight sent to my mobile as an MMS and it was a pain. It was a good way to show off my lovely SGS2 though! However next time I'm sticking to good old paper next time.
it's not as simple as just swiping a credit card, you have to take your wallet out of your pants and fumble around for your card. it's still probably faster than nfc still but the point of nfc imo is that if you have like a huge stack of cards like credit cards and gift cards, they're all just on your phone.
you wouldn't have to carry around all your cards on the off chance that you might want to use it that day. if you want to use your subway's gift card, it's already on your phone and you don't have to run home and get it
At least here in Croatia debit cards require a swiping, then have to be inserted into a machine and then you input a pin, wait a good 5~10 seconds for a confromation and you're done.
Credit cards require you to swipe the card and wait for the machine to print out a reciept that you have to sign.
So NFC makes a lot sense to me.
buttes said:
it's not as simple as just swiping a credit card, you have to take your wallet out of your pants and fumble around for your card. it's still probably faster than nfc still but the point of nfc imo is that if you have like a huge stack of cards like credit cards and gift cards, they're all just on your phone.
you wouldn't have to carry around all your cards on the off chance that you might want to use it that day. if you want to use your subway's gift card, it's already on your phone and you don't have to run home and get it
Click to expand...
Click to collapse
Most people have 1 card, some more.
It takes MUCH less place having cards, and if you can't take your card out properly, you need brain surgery or something.
For me this is just another marketing trick, like 3D.
BlueSebba said:
Most people have 1 card, some more.
It takes MUCH less place having cards, and if you can't take your card out properly, you need brain surgery or something.
For me this is just another marketing trick, like 3D.
Click to expand...
Click to collapse
i'm just going by the nfc video that engadget showed before, where it had not just your credit card but restaurant and store gift cards. if you don't use gift cards then this is irrelevant to you
the point is that nfc isn't just used for credit cards. for example it was also used to check into google i/o
Personally I don't trust the technology enough to entrust it with my credit and debit card details.
Intratech said:
Personally I don't trust the technology enough to entrust it with my credit and debit card details.
Click to expand...
Click to collapse
+1 for now
However I won't deny the fact that having a phone with this feature which I won't use often or just incase IS better than having a phone without it.
Sent from my GT-I9100 using XDA Premium App
Its not just about paying for things either, you could have a train ticket on your phone linked to foursquare and when you tap to go through the barriers it checks you in at that location automatically.
Or being at places where areas or stands could have nfc so people can get more information like having one at a restaurant automatically puts the name, number and menu on your phone.
Sent from my GT-I9100 using XDA App
nfc is going to come with next batch of s2 ?
i hav checked samsung's official website and it does not mention nfc anywhere..jst want to know if except korea any other has got nfc ? Like UK,etc...i also read that micro sd's are being made wid nfc support but they dont work in a metal tray.So guessing nfc will be added in our sim's by our respective carriers in the future if at all needed..i mean replace our old sim wid nfc included sim.Please correct me if im wrong,im jst pointing out that nfc takes a very small place and it can be placed even in a sim in near future.So not having nfc must not be an issue UNLESS IF SAMSUNG BRINGS NFC ON THERE NEXT OR 3RD BATCH OF S2 TO INDIA..early owners will be a whole lot of disappointd if sammy does so.anyway i doubt any country would get it 1st of all except korea ofcourse.
buttes said:
it's not as simple as just swiping a credit card, you have to take your wallet out of your pants and fumble around for your card. it's still probably faster than nfc still but the point of nfc imo is that if you have like a huge stack of cards like credit cards and gift cards, they're all just on your phone.
you wouldn't have to carry around all your cards on the off chance that you might want to use it that day. if you want to use your subway's gift card, it's already on your phone and you don't have to run home and get it
Click to expand...
Click to collapse
They already have keychain quick devices that can load all your credit cards onto, and they are free.
Moandal said:
Quote from Ron Rule on twitter:
"How is it more 'convenient' to start an app, pick a card, enter PIN, then confirm vs. just swiping a credit card?"
You've got to admit he's got a point! Sometimes phones just aren't the best way to do things. I recently got my boarding card for a flight sent to my mobile as an MMS and it was a pain. It was a good way to show off my lovely SGS2 though! However next time I'm sticking to good old paper next time.
Click to expand...
Click to collapse
Wouldn't it also be an identity theft's dream come true. Your phone #s, social media info, credit card info, all located in one device. Also don't forget what do you do if your phone dies and you need to make a purchase? Or if you drop your phone? Or it gets stolen? Or buy a new phone (have to resync all that crap again)? So it isn't going to completely replace your credit card. Also for the guy that so fumble for your wallet. I guess your phone is in hand 24/7?
rex-tc said:
Wouldn't it also be an identity theft's dream come true. Your phone #s, social media info, credit card info, all located in one device. Also don't forget what do you do if your phone dies and you need to make a purchase? Or if you drop your phone? Or it gets stolen? Or buy a new phone (have to resync all that crap again)? So it isn't going to completely replace your credit card. Also for the guy that so fumble for your wallet. I guess your phone is in hand 24/7?
Click to expand...
Click to collapse
Actually I was wondering that the other day.
But I think it's worth having seeing as most of us have our hands in our phones a lot of the time, so of course in time, it'll probably become natural to those who use it.
I think that they need is a screen that can take a finger print and therefore NFC is only enabled when that certain fingerprint is on the screen. Sounds a bit far fetched but what are the bets that'll be implemented on phones in a year or two? There's only so many cores you can stick in one CPU
What everyone seems to be missing is that embedded NFC transactions won't just replace the swiping of a credit card, its able to do a lot more to change the way consumers shop and make transactions.
Let alone the multitude of other uses for NFC. People will start to use it for more than shopping as the technology becomes more widespread. Developers just need more incentive to be creative and really unlock it's potential.
Sent from my GT-I9100 using XDA App
Intratech said:
Personally I don't trust the technology enough to entrust it with my credit and debit card details.
Click to expand...
Click to collapse
It wouldn't be the first time someone has distrusted a new technology because they don't understand it. No offense. I'm sure companies will start public awareness campaigns to quell this.
Sent from my GT-I9100 using XDA App
It's another android system waiting to be hacked, bigtime.
sleeco said:
It's another android system waiting to be hacked, bigtime.
Click to expand...
Click to collapse
Please, more FUD
Sent from my GT-I9100 using XDA App
i'm studying electrical and electronic engineering and i'm sure sooner hackers will try hack the NFC to steal credit card details. But NFC is good for health monitoring in the future.
I'm quite sick and tired of taking out my card out of my wallet every time I get on and get off a public transport, its so much hassle.
I would prefer to just scan the phone one one of those receivers since I always have my phone out on the public transport anyway.
zoobzone said:
I would prefer to just scan the phone one one of those receivers since I always have my phone out on the public transport anyway.
Click to expand...
Click to collapse
I noticed in that google nfc video that you still have to sign your signature on the receiver, kinda a let down imo as paying at the pumps or shopping online you don't need any signature.
Hi looking at all the posts about Knox it's making me wonder if we can use cracked apps on the note 3 if someone can help me out that would be great also does Knox have to be installed because it just sounds like more problems than being helpful??
yes you can. Knox is like a safe, if you take pictures or use any Knox apps in Knox mode they stay in knox . if you come out of Knox mode you cannot view them.
Sent from my Nexus 7 using xda app-developers app
Jmoney707 said:
Hi looking at all the posts about Knox it's making me wonder if we can use cracked apps on the note 3 if someone can help me out that would be great also does Knox have to be installed because it just sounds like more problems than being helpful??
Click to expand...
Click to collapse
No discussion about warez and cracked apps allowed.
You will be reported to moderator
Sent from my GT-I9070 using xda app-developers app
redndian said:
No discussion about warez and cracked apps allowed.
You will be reported to moderator
Sent from my GT-I9070 using xda app-developers app
Click to expand...
Click to collapse
Sorry about that will do thank you
redndian said:
No discussion about warez and cracked apps allowed.
You will be reported to moderator
Sent from my GT-I9070 using xda app-developers app
Click to expand...
Click to collapse
I may be wrong, but he might be talking about modified apps (such as how a google wallet app was needed on non-supported phones), not illegal stuff.
I hate when someone won't pay the (few) dollar(s) to get an app, but will buy an expensive phone. Support developers a**hole
Sent from my DROID RAZR using xda app-developers app
Ya, especially with a username like Jmoney. Wth.
Sent from my SAMSUNG-SGH-I317 using Tapatalk 4
mircury said:
Ya, especially with a username like Jmoney. Wth.
Sent from my SAMSUNG-SGH-I317 using Tapatalk 4
Click to expand...
Click to collapse
Probably some kid and his dad won't let him use his credit card.
Sent from my DROID RAZR using xda app-developers app
can we not use this as a basher thread?
What is done is done.
I hate when someone won't pay the (few) dollar(s) to get an app, but will buy an expensive phone.
Click to expand...
Click to collapse
I am not willing to pay anything before I know that the software will be bugfree and usable. It's kinda stupid to buy dozens of programs which are not working at all. And fifteen minutes payback is quite a little time to see if the program is what you think it would be. And even if it's only few euros, .. if you are forced to many.. that will be quite a lot of money.
horhokokki said:
I am not willing to pay anything before I know that the software will be bugfree and usable. It's kinda stupid to buy dozens of programs which are not working at all. And fifteen minutes payback is quite a little time to see if the program is what you think it would be. And even if it's only few euros, .. if you are forced to many.. that will be quite a lot of money.
Click to expand...
Click to collapse
That's why there's a refund period. And most developers extend that period beyond what the play store gives.
Sent from my DROID RAZR using xda app-developers app
Dear Americans, we use DEBIT cards. Google Wallet only supports Credit Cards. To get a credit card here you need to have a stable income of over 20.000 a year, solid job (no freelance) and be over 21. Which rules out 80% of the users.
Most of the 750 million people in Europe can't even GET a credit card.
So it's not all cheap, greedy people. Keep your prejudice to yourself.
Oh yes, we have prepaid credit cards: They don't support refunds. So we have to find alternative means to test an app.
There, welcome to the rest of the world.
Now, I for one would also like to know if it works. Simply because I use a few apps that are only available for US users. (Stop being so selfish as a market. Really.)
ShadowLea said:
Dear Americans, we use DEBIT cards. Google Wallet only supports Credit Cards. To get a credit card here you need to have a stable income of over 20.000 a year, solid job (no freelance) and be over 21. Which rules out 80% of the users.
Most of the 750 million people in Europe can't even GET a credit card.
So it's not all cheap, greedy people. Keep your prejudice to yourself.
Oh yes, we have prepaid credit cards: They don't support refunds. So we have to find alternative means to test an app.
There, welcome to the rest of the world.
Now, I for one would also like to know if it works. Simply because I use a few apps that are only available for US users. (Stop being so selfish as a market. Really.)
Click to expand...
Click to collapse
Everyone is an individual. I would agree that more open mindedness is necessary.
ShadowLea said:
Dear Americans, we use DEBIT cards. Google Wallet only supports Credit Cards. To get a credit card here you need to have a stable income of over 20.000 a year, solid job (no freelance) and be over 21. Which rules out 80% of the users.
Most of the 750 million people in Europe can't even GET a credit card.
So it's not all cheap, greedy people. Keep your prejudice to yourself.
Oh yes, we have prepaid credit cards: They don't support refunds. So we have to find alternative means to test an app.
There, welcome to the rest of the world.
Now, I for one would also like to know if it works. Simply because I use a few apps that are only available for US users. (Stop being so selfish as a market. Really.)
Click to expand...
Click to collapse
I use my debit card with Google Wallet without issue.
ShadowLea said:
Dear Americans, we use DEBIT cards. Google Wallet only supports Credit Cards. To get a credit card here you need to have a stable income of over 20.000 a year, solid job (no freelance) and be over 21. Which rules out 80% of the users.
Most of the 750 million people in Europe can't even GET a credit card.
So it's not all cheap, greedy people. Keep your prejudice to yourself.
Oh yes, we have prepaid credit cards: They don't support refunds. So we have to find alternative means to test an app.
There, welcome to the rest of the world.
Now, I for one would also like to know if it works. Simply because I use a few apps that are only available for US users. (Stop being so selfish as a market. Really.)
Click to expand...
Click to collapse
A lot of Americans use debit cards on the Play Store just fine. How? Most any debit card attached to a bank account can also be run as a credit card. We call them "check cards" when they have a credit card company logo and can be run as either. The difference? Running as credit has no terminal fee or minimum purchase (as part of the credit card merchant's agreement), does not require a PIN, works in more places, but often requires a signature, withdraws from your bank/checking account (no credit line), and does not have the same consumer protections (harder to get your money back if stolen or misused). Also, many places only take one payment type or the other (credit or debit) so a check card conveniently works at both.
Most anyone with a bank account can get a check card even if they don't qualify for credit. Is it really so different there?
bp328i said:
I use my debit card with Google Wallet without issue.
Click to expand...
Click to collapse
I tried that, no such luck. Our cards only have the account number (9 digits), card number(3 digits) and nothing else. I HAVE no number to fill in to Google Wallet.
Tried using my phone plan, but it asks for a CreditCard Number. Which I don't have. (Hah, good luck getting T-Mobile to issue me a Credit Card. :laugh
CZroe said:
A lot of Americans use debit cards on the Play Store just fine. How? Most any debit card attached to a bank account can also be run as a credit card. We call them "check cards" when they have a credit card company logo and can be run as either. The difference? Running as credit has no terminal fee or minimum purchase (as part of the credit card merchant's agreement), does not require a PIN, works in more places, but often requires a signature, withdraws from your bank/checking account (no credit line), and does not have the same consumer protections (harder to get your money back if stolen or misused). Also, many places only take one payment type or the other (credit or debit) so a check card conveniently works at both.
Most anyone with a bank account can get a check card even if they don't qualify for credit. Is it really so different there?
Click to expand...
Click to collapse
That would be very useful. But no, we don't have those. I'm not sure our banks even know of the concept.
We have a Debit card with a 4 digit pin. This is direct withdraw. Maestro, it's called.
For Credit Cards we need to get an additional, paid service (50 bucks a year, I believe. and that's just for the registration, you also need to pay for the card.) with Visa, MasterCard or similar, detached services. They're not directly part of the bankservice.
For instance, I have an account with ABN AMRO. If I wanted to get a credit card, I'd have to apply to VISA or ABN Gold (which then gets me a VISA card. This type of account you can only get if you have a balance of over 50.000 on the account. Which'll never happen. I'm a graphic designer.)
You can't actually pay with a credit card in the shops here. Well, you can, but doing so requires filling out a (paper!)cheque, 25 Euro administration fee and a transaction time of a week. In every shop. For every purchase. And even then 80% of the shops refuse it as a method of payment.
The advantage is that if we ever loose our card (or accidentally put the bill unshredded in the paper bin), people can't empty our accounts without the pin number; with a credit card only the cardnumber is sufficient for payment. (The security code is on the back of a credit card...)
That said, I do have a Prepaid 3V VISA card (It's an alarming shade of pink and can only be charged (pre-charged, it works like a prepaid SIM) up to a specific amount per month, but for Google Play it works well enough. Renting a car, however, has to be done over the course of 4 months.) For the apps I do consider worth the payment. (Apex, Tapatalk, Moonreader, etc.)
ShadowLea said:
I tried that, no such luck. Our cards only have the account number (9 digits), card number(3 digits) and nothing else. I HAVE no number to fill in to Google Wallet.
Tried using my phone plan, but it asks for a CreditCard Number. Which I don't have. (Hah, good luck getting T-Mobile to issue me a Credit Card. :laugh
That would be very useful. But no, we don't have those. I'm not sure our banks even know of the concept.
We have a Debit card with a 4 digit pin. This is direct withdraw. Maestro, it's called.
For Credit Cards we need to get an additional, paid service (50 bucks a year, I believe. and that's just for the registration, you also need to pay for the card.) with Visa, MasterCard or similar, detached services. They're not directly part of the bankservice.
For instance, I have an account with ABN AMRO. If I wanted to get a credit card, I'd have to apply to VISA or ABN Gold (which then gets me a VISA card. This type of account you can only get if you have a balance of over 50.000 on the account. Which'll never happen. I'm a graphic designer.)
You can't actually pay with a credit card in the shops here. Well, you can, but doing so requires filling out a (paper!)cheque, 25 Euro administration fee and a transaction time of a week. In every shop. For every purchase. And even then 80% of the shops refuse it as a method of payment.
The advantage is that if we ever loose our card (or accidentally put the bill unshredded in the paper bin), people can't empty our accounts without the pin number; with a credit card only the cardnumber is sufficient for payment. (The security code is on the back of a credit card...)
That said, I do have a Prepaid 3V VISA card (It's an alarming shade of pink and can only be charged (pre-charged, it works like a prepaid SIM) up to a specific amount per month, but for Google Play it works well enough. Renting a car, however, has to be done over the course of 4 months.) For the apps I do consider worth the payment. (Apex, Tapatalk, Moonreader, etc.)
Click to expand...
Click to collapse
Switch banks. All debit cards have a 16 digit card number.
TWEAKED 2.5
BACARDILIMON said:
Switch banks. All debit cards have a 16 digit card number.
TWEAKED 2.5
Click to expand...
Click to collapse
Not in Europe, they don't.
Our cardnumber isn't the same as the one they use in the US. It's literally just the number of the card, so when you open an account, you always get 001.
It's not personalized.
Open the account, you get:
Account 112234567, Card 001.
Get a new one card after it expires, is lost or stolen, it's:
Account 112234567, Card 002.
Payment over the internet is done via iDeal or a similar service, which requires a cardreader and works withdynamic codes.
ShadowLea said:
Not in Europe, they don't.
Our cardnumber isn't the same as the one they use in the US. It's literally just the number of the card, so when you open an account, you always get 001.
It's not personalized.
Open the account, you get:
Account 112234567, Card 001.
Get a new one card after it expires, is lost or stolen, it's:
Account 112234567, Card 002.
Payment over the internet is done via iDeal or a similar service, which requires a cardreader and works withdynamic codes.
Click to expand...
Click to collapse
I see. Hmmm good luck with that one.
TWEAKED 2.5
BACARDILIMON said:
I see. Hmmm good luck with that one.
TWEAKED 2.5
Click to expand...
Click to collapse
Thanks. Found a workaround (prepaid card), but it's not ideal. (refund costs 10 bucks per refund. Not exactly oleasant for a 0.70 cent app... :laugh
For now we'll just have to wait for Google to get their heads out of their arses, stop moaning about piracy and start realize what the cause of it is. Until then 750 million people will just have to keep cracking.
I registered for the Samsung Pay Beta program yesterday. Today I received a mail that I've been accepted in the Beta Program. I happily started the Samsung Pay app and it showed a new screen for installation. I installed it. The interface looks good. You can just scan the card and it captures the card number and expiry date automatically. Rest of the information has to be filled manually. However, It didn't accept my CHASE or AMEX card. It gives following error:-
Registration failed
Unable to register your card. Try another
card or contact the card issuer. (645101)
Anybody else having similar issue ?
I am having the same problem with both my cards
I received the beta invite as well. The participation details list the qualifying cards. http://www.samsung.com/us/samsung-p...ID=0125494973&MKM_MID=&CID=eml-mb-cph-815-975
Bradfordv said:
I am having the same problem with both my cards
Click to expand...
Click to collapse
rsfinsrq said:
I received the beta invite as well. The participation details list the qualifying cards. http://www.samsung.com/us/samsung-p...ID=0125494973&MKM_MID=&CID=eml-mb-cph-815-975
Click to expand...
Click to collapse
Looks like very limited participants are available for Beta Program. I received a mail from AmEx that my card couldn't be added and when I called their customer support, they said the particular Corporate ard I'm trying to add isn't supported to the Beta program, however, it would be available 28th Sept onward (official launch). The Chase however have no idea about Samsung Pay. They said they are aware of only Apple Pay.
I have it as well. It will only work with US Bank or Bank of America (Visa Debit or Visa Credit card). I also tried my other cards just to see if they would work, nothing else is accepted yet. I did call customer service for all of my cards (Amex, Chase, Barclay's, American Airlines CC and Capital One) and they said they will work with Samsung Pay near the end of September.
Looks like Samsung is just minimizing the testing to keep control of things. Worked perfect at Panera with my B of A Debit Visa card. Of course the girl thought it was an IPhone. Knew that was coming hahahaha
Edge 6+ Gold
Sent from my SM-G928T using Tapatalk
mcmikelw said:
Of course the girl thought it was an IPhone. Knew that was coming hahahaha
Click to expand...
Click to collapse
The inevitable... :silly:
I didn't realize this when I used it the other day but Samsung Pay is actually integrated into your lock screen and every screen screen even after you unlock your phone. I previously accessed Samsung Pay through the app as that is how I was use to accessing Google Wallet.
So here is how you quick access it:
Once you turn the screen on, you will see a small tab floating above the home key that says Samsung Pay.
Swipe it up (without unlocking the screen). Choose a card you want to use, then once you want to use it, you use finger print to unlock it. The phone will start vibrating and have some animation on the screen to indicate you can now pay.
If you have your phone unlocked and you were previously using it, you simply swipe up and bam there it is.
I guess in the excitement yesterday I didn't see this. The Samsung pay tab is so small, if you are on auto pilot using your phone you will miss it.
Sent from my SM-G928T using Tapatalk
Im using it as well.. apple pay still much quiker.. id like to see even your phone is locked just tap it and use fingerprint and it will activate. On samsung pay i have to hit fingerprunt twice since my lockscreen is fingerprint
apurva.giri said:
I registered for the Samsung Pay Beta program yesterday. Today I received a mail that I've been accepted in the Beta Program. I happily started the Samsung Pay app and it showed a new screen for installation. I installed it. The interface looks good. You can just scan the card and it captures the card number and expiry date automatically. Rest of the information has to be filled manually. However, It didn't accept my CHASE or AMEX card. It gives following error:-
Registration failed
Unable to register your card. Try another
card or contact the card issuer. (645101)
Anybody else having similar issue ?
Click to expand...
Click to collapse
Hi,
What was the reason for your to enroll in the Samsung Pay (Beta) program to begin with?
ad78 said:
Im using it as well.. apple pay still much quiker.. id like to see even your phone is locked just tap it and use fingerprint and it will activate. On samsung pay i have to hit fingerprunt twice since my lockscreen is fingerprint
Click to expand...
Click to collapse
Applepay doesn't support MST and there isn't a way for the phone to know there is a MST terminal in front of it. NFC is 2 way which is why it works for that. They could possibly make it work automatically with NFC capable terminals but it would likely just confuse some people about when it's automatic and when it's manual. I don't find it hard to use at all in its current form.
jasonl.teehee said:
Hi,
What was the reason for your to enroll in the Samsung Pay (Beta) program to begin with?
Click to expand...
Click to collapse
Well, the Beta programs (Samsung or no Samsung) intend to execute a trial run before the actual services are officially released. Would make no sense if nobody enrolls in it, don't you agree ?
apurva.giri said:
Well, the Beta programs (Samsung or no Samsung) intend to execute a trial run before the actual services are officially released. Would make no sense if nobody enrolls in it, don't you agree ?
Click to expand...
Click to collapse
but what's the purpose behind it? does it have the same approach like paypal?
jasonl.teehee said:
but what's the purpose behind it? does it have the same approach like paypal?
Click to expand...
Click to collapse
Samsung Pay is a payment system which uses NFC and MST. Once you've added your card, you can go to any retailer and pay using your phone instead of your card. If the retailer has an NFC system, you can simply tap your phone onto the NFC section of the payment system and authenticate using PIN/Fingerprint and the payment should be made. Otherwise, if the retailer has traditional magnetic card swiping payment system, just start the Samsung Pay and bring it near the edge of the Payment System where card is required to be swiped. Use PIN/Fingerprint for authentication and the payment should be made easily.
Try googling about Samsung Pay, you'll know more in details.
apurva.giri said:
Samsung Pay is a payment system which uses NFC and MST. Once you've added your card, you can go to any retailer and pay using your phone instead of your card. If the retailer has an NFC system, you can simply tap your phone onto the NFC section of the payment system and authenticate using PIN/Fingerprint and the payment should be made. Otherwise, if the retailer has traditional magnetic card swiping payment system, just start the Samsung Pay and bring it near the edge of the Payment System where card is required to be swiped. Use PIN/Fingerprint for authentication and the payment should be made easily.
Try googling about Samsung Pay, you'll know more in details.
Click to expand...
Click to collapse
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
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I'd say it's significantly safer than carrying a physical card around since anyone could rob you and use it where as samsung pay couldn't be used unless they chopped off your finger when they stole the phone and at that point the cashier would be suspicious I'm thinking.
jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
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Click to collapse
We're talking about Samsung here.. You could trust them with your contacts, messages, social media credentials, banking apps and you can't trust them with Samsung Pay. Really ? May be you don't use banking apps (I thought you may bring that up again), and that's okay. It's your hard earned money, I'm sure you know how to handle it better than anybody else does. You might wanna look into Samsung Knox bdw (just for information purpose), its even NSA approved.
codee said:
I'd say it's significantly safer than carrying a physical card around since anyone could rob you and use it where as samsung pay couldn't be used unless they chopped off your finger when they stole the phone and at that point the cashier would be suspicious I'm thinking.
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Click to collapse
And even if someone manages to do all that, one can simply call the bank to nullify the transaction. A chopped finger would suffice as a proof! :cyclops:
jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
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Click to collapse
I think the toeknization is the real value here. When you go to target and buy something they don't actually have access to your card info, they have a token because the card info stays at the payment processor and is activated by the token. At least that's how I understand it.
Hell, in theory, if target gets hacked and your token is compromised they can do a mass update and scramble the tokens only for cards used at target in the last X number of days.
IMHO this is exponentially safer than using your card at a store. Skimmers are probably less effective too, all kinds of joy with this innovation.
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
dallastx said:
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
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As long as they are VISA or Master Card, they should work. Atleast that's what I understand. Also, there are only limited banks supported for Beta, you should try Capital One and Wellsfargo after 28th.
Sent from my SAMSUNG-SM-G928A using XDA Free mobile app
dallastx said:
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
Click to expand...
Click to collapse
American express, Visa, MasterCard and some large banks are on board - seems to be a pretty good backing and show of support to me. Anyone that thinks it isn't safe clearly has no idea of how the system works because it's actually significantly safer than a standard card.
Hey everyone. I just wanted to spread the word that credit card-specific tap and pay apps might be more easily fooled than Android Pay when it comes to using it on a rooted device. I just set up CapitalOne Wallet. Originally it detected my rooted device and refused to work, but after installing and enabling RootCloak (xposed module), the setup process went smoothly. I haven't tried buying anything yet, so I'll update this when I have more to report, but it's definitely something to be aware of.
UPDATE: I tried to pay for something at a Wegman's. The app detected that there was an NFC pay station there, but it was not able to communicate with it. I'll try more later.
UPDATE2: I realized that the reason why Wegman's didn't work was because I had disabled my phone PIN lock. I turned it back on and successfully bought something from a vending machine. It works! Wooo! Now to go back to never, ever using it.
UPDATE3: I factory reset my phone, and the app will no longer allow me to add the card, even with rootcloak. Without rootcloak, I get a "no rooted devices allowed" message. With rootcloak, I get a "some unknown error happened, please try again" message that I've gotten consistently over several days. Maybe someone from CapitalOne is reading this thread.
UPDATE4: I got a strange email today informing me that my card was disabled for mobile payments at my request. I made no such request. However, I went in to the Wallet app, reenabled it for mobile payments with rootcloak on, and it worked perfectly. So....maybe rootcloak does still work and there was just some sort of issue on their end? Either that, or some hacker really doesn't want me using mobile payments. We'll see whether or not it actually works when I try to buy something.
SwipeYours is a good HCE but you need to know your card dump
Might pickup a capital one card because of this. Chase pay is inbound I heard too. Any other cc tnp apps out now?
rayjr13 said:
Might pickup a capital one card because of this. Chase pay is inbound I heard too. Any other cc tnp apps out now?
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I'm not sure. I just checked to see if Discover had one, and it doesn't look like they do.
ha no. Discover pay would be a stretch for fathomable. Finally used Apple Android Pay on Turbo 2 though. Much cleaner interface but seriously wish there was a solution for unlocked users smh.
---------- Post added at 09:04 PM ---------- Previous post was at 08:59 PM ----------
Side note I kinda think the goal may be to get another device probably a wearable that is not rooted or bootloader unlocked and use android pay with that is that a possibility or are all wearables companion to the point that they require a phone to function for android pay? I assume the coming cellular wearables would be able to function autonomously.
Has anyone tried Tapp? Its a simple demo app built on the SimplyTapp service, which seems to be a shared back-end w\ SDK, for developers looking to write HCE functionality into their own apps (e.g., a retail chain that wants to add NFC functionality into their loyalty card app; e.g., make it easy for the Starbucks app to use NFC instead of scanning a barcode).
Using the "SwipeYours" profile you can add in any card data, assuming you have access to a mag stripe reader to read your VISA card magstripe data.
https://play.google.com/store/apps/details?id=com.tapp
EDIT: I see now this is the same as the "SwipeYours" suggested by @liquidburns, which is also available as a bare-bones technical demo (e.g., without a fancy GUI, PIN lock on the app, cloud backup, etc):
http://blog.simplytapp.com/2014/01/host-card-emulation-series-swipeyours.html
Unfortunately, it would seem everything relying on a mag-stripe dump is going to be short lived, as most POS terminals that support NFC also support EMV chip, and thus will not accept the mag-stripe data from a card that also has an EMV chip.
rayjr13 said:
ha no. Discover pay would be a stretch for fathomable. Finally used Apple Pay on Turbo 2 though. Much cleaner interface but seriously wish there was a solution for unlocked users smh.
---------- Post added at 09:04 PM ---------- Previous post was at 08:59 PM ----------
Side note I kinda think the goal may be to get another device probably a wearable that is not rooted or bootloader unlocked and use android pay with that is that a possibility or are all wearables companion to the point that they require a phone to function for android pay? I assume the coming cellular wearables would be able to function autonomously.
Click to expand...
Click to collapse
Wait, you can use apple pay on an android device? Is that a hack, or does apple let you?
Also, I'm not aware of any wearables that have NFC, so that wouldn't work in any of them that exist today. Also, all wearables (apple and android) are designed to be paired with a phone, and have extremely limited functionality without one.
DA6030 said:
Has anyone tried Tapp? Its a simple demo app built on the SimplyTapp service, which seems to be a shared back-end w\ SDK, for developers looking to write HCE functionality into their own apps (e.g., a retail chain that wants to add NFC functionality into their loyalty card app; e.g., make it easy for the Starbucks app to use NFC instead of scanning a barcode).
Using the "SwipeYours" profile you can add in any card data, assuming you have access to a mag stripe reader to read your VISA card magstripe data.
https://play.google.com/store/apps/details?id=com.tapp
EDIT: I see now this is the same as the "SwipeYours" suggested by @liquidburns, which is also available as a bare-bones technical demo (e.g., without a fancy GUI, PIN lock on the app, cloud backup, etc):
http://blog.simplytapp.com/2014/01/host-card-emulation-series-swipeyours.html
Unfortunately, it would seem everything relying on a mag-stripe dump is going to be short lived, as most POS terminals that support NFC also support EMV chip, and thus will not accept the mag-stripe data from a card that also has an EMV chip.
Click to expand...
Click to collapse
True, but I suspect that we have a while in the States before magnetic stripes become obsolete. Most places I shop at don't even have the chip readers (or they do, but the chip functionality isn't enabled yet) even though I think they technically have to by law at this point.
TheSt33v said:
Wait, you can use apple pay on an android device? Is that a hack, or does apple let you?
Also, I'm not aware of any wearables that have NFC, so that wouldn't work in any of them that exist today. Also, all wearables (apple and android) are designed to be paired with a phone, and have extremely limited functionality without one.
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Click to collapse
Sorry that was a slip meant to say Android Pay. Never had that problem when it was Google Wallet. So much for successful brand marketing, Google.
Also I was referring to the line of devices like the pending LG Urbane LTE that are presented as autonomous with their cellular connections. Wonder how independent they will be. Why have LTE if you are pairing to another device still anyway? Just silly and more expensive on the data.
TheSt33v said:
True, but I suspect that we have a while in the States before magnetic stripes become obsolete. Most places I shop at don't even have the chip readers (or they do, but the chip functionality isn't enabled yet) even though I think they technically have to by law at this point.
Click to expand...
Click to collapse
Totally true, but my point is that any merchants that are upgrading their payment terminals in 2015+ to support NFC, are almost certainly getting chip readers in the same upgrade. And, at least theoretically, these "pay by NFC without Android Pay" hacks only work on terminals that HAVE NFC and DO NOT HAVE chip readers, which is a rare combination I've only seen at the handful of big chains that were original Google Wallet launch partners (e.g., Jamba Juice, McDonalds). Everywhere else that I've seen NFC (e.g., Trader Joes, small businesses with Poynt devices) also has chip readers, and all new installations will likely have both.
rayjr13 said:
Sorry that was a slip meant to say Android Pay. Never had that problem when it was Google Wallet. So much for successful brand marketing, Google.
Also I was referring to the line of devices like the pending LG Urbane LTE that are presented as autonomous with their cellular connections. Wonder how independent they will be. Why have LTE if you are pairing to another device still anyway? Just silly and more expensive on the data.
Click to expand...
Click to collapse
Hmm. I didn't know that was a thing, or why someone would want such a thing.
Walmart pay lol?
DA6030 said:
Unfortunately, it would seem everything relying on a mag-stripe dump is going to be short lived, as most POS terminals that support NFC also support EMV chip, and thus will not accept the mag-stripe data from a card that also has an EMV chip.
Click to expand...
Click to collapse
Update: So far, I've tried this at a couple merchants that have terminals with both EMV and NFC active (and are soft-rejecting swipes when a chip is available), and it works great with both my Chase VISA cards. According to SwipeYours developer, the rejection I feared (for using the wrong card transmission type) would be enforced by the card issuer, not the merchant, so YMMV with other banks.
Getting set up was easy, using this card reader ($12 w\ free Amazon prime shipping): http://www.amazon.com/gp/product/B00D3D3L8Y
I chose to plug the card reader directly into my phone with a USB OTG cable, it was recognized as an external keyboard, and 60 seconds later I confirmed everything worked on my office vending machine.
Liability shift
Technically its still up to banks to recognize fraudulent activity regardless of how you use your card. The bank can't blame you for not recognizing a well made and executed skimming device, which presents a higher chance of getting your personal information captured than using hce in my opinion. You have a higher chance of losing your credit card information through a fake marketing scam or the waitress at a diner than HCE.
TheSt33v said:
True, but I suspect that we have a while in the States before magnetic stripes become obsolete. Most places I shop at don't even have the chip readers (or they do, but the chip functionality isn't enabled yet) even though I think they technically have to by law at this point.
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Click to collapse
I work in payment technology and I can shed a little light on this topic. There is no law requiring merchants to accept chip cards. There is legislation requiring card issuing banks to issue all new cards with chips and there is a liability shift for all merchants who continue accepting payment without adopting the chip technology meaning that merchants now run a higher risk of the bank withholding(retracting) payment due to chargeback because the banks no longer carry the liability for fraud protection in the case of a merchant who is not taking chip payment.
I am a salesperson so the technology side of my industry is only known from what I have gathered along the way.
That said, AFIK NFC payments do not involve chip data at this time and I would assume they won't for the foreseeable future. Mag strip, chip, and soft pay are simply 3 different ways of encrypting the same set of data(card#, Exp, and cardholder data) for transfer. This gets a little above my level of understanding but my assumption is that soft pay uses a similar encryption method as the chips do and my best guess as to why AP is as aggressive as it is about system mods is not so much to protect your card data, but to prevent cloning from being achieved easily.
If I am right, then I assume that we will soon see MSD removed from merchant terminals as an accepted protocol by way of security patches (updated every day at merchant batch), effectively rendering SwipeYours and the like, useless.
This might be a good compliment to SwipeYours for as long as it continues to work: Rhombus - Play Store