Someday our phone or smartwatch could
very well replace our wallet. The promise of convenience is certainly there.
Instead of digging to find the right credit or debit card, all we need to do is
tap our device to a retail terminal to pay for our shopping goods and others. Apple, Samsung and Android are the company who provides
this application to attract existing and new customers.
Apple
Pay
Apple pay is a proprietary iOS based
mobile payment system that uses our phone to make payments on near field communication (NFC) enabled
credit card terminals at the point of sale (POS). This is the way to use Apple
pay:
Firstly, we have enter or scan our credit card
information into Apple’s Passbook app on an iPhone 6/6s or6/6s Plus. In a store
that accepts Apple Pay, we have to tap our iPhone over or on an NFC enabled POS
terminal when indicated by the clerk to initiate payment, then approve the
payment via our fingerprint on the iPhone. With an Apple Watch, we just wave our
Watch over the NFC enabled terminal. Apple Pay will also work on mobile
commerce sites and commerce apps accessed via iOS8.x devices. Devices who
support Apple Pay are iPhone 6/6s, 6/6s Plus and Apple Watch for in store use,
iPad Air 2, iPad Pro and iPad Mini 3/4 for online purchases. The video below will show to you on how to use the Apple Pay.
Guideline for using Apple Pay:
Samsung
Pay/Loop Pay
Samsung Pay uses the LoopPay mobile payment
platform to allow for mobile payments at just about any point of sale system.
This is the way to use Samsung pay:
Firstly, the credit cards are entered into the
Samsung Pay app in a method similar to Apple pay/Passport. At retail, we swipe
up from the Galaxy S6’s bezel to access the Samsung pay app, choose the desired
debit or credit card, tap the phone to the NFC point of sale terminal, then
authenticate the transaction via the Galaxy S6’s fingerprint sensor. In
addition to NFC tap and pay, however Samsung Pay will also work on standard
magnetic stripe point of sale retail terminals, thanks to LoopPay’s Magnetic
Secure Transmission (MST) technology. We first open the Samsung Pay app, select
the debit or credit card we want to use, then hold our phone against the point
of sale terminal where we would normally slide our card, the transaction then
continues as if we had slid a card through. Devices who support Samsung Pay are
Samsung Galaxy S6, Galaxy S6 Edge, Galaxy SG Edge Plus and Galaxy Note 5.
Guideline for using Samsung Pay:
Android
Pay
It is an NFC/fingerprint system
similar to Apple Pay that stores our credit card info to let us make quick
payments at supported point of sale system as well as within certain apps. This
is the way to use Android Pay:
Our Android Pay Credit card
information is stored on our device and accessed by store specific apps. It
will use the same token based system to protect user data during transaction. When
we want to buy something in a supported story, simply tap our device to pay.
Devices which support this Android Pay are presumably all Android devices with
NFC.
Guideline for using Android Pay:
As a conclusion, these three types of mobile payment help us a lot on making a purchase everywhere and anytime. What are you waiting for?You can install this apps mobile payment on your smartphone right now...
References:
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