The appearance of non -contact payment services using smartphones has appeared one after another.Samsung also started "Samsung Pay" this summer.The service will be launched on August 20 in Korea, followed by the United States on September 28, and will be expanded in Asia and Europe.
Samsung Pay has acquired the "LoopPay" of mobile payment technology and adopts that technology.Samsung Pay can pay wirelessly using NFC as well as "Apple Pay" and "Android Pay".However, that alone is the same as the service of the two companies, and no user will use Samsung Pay.In fact, Loop Pay's technology is amazing, which can be paid even if you approach a general magnetic credit card reader.
This article is detailed for the technical part of Samsung Pay.
What is different from Apple Pay?Approach the secret of "Samsung Pay": MWC 2015http: // Weekly.ASCII.JP/ELEM/000/000/311/311067/
Samsung Pay that can be used not only by NFC but also by magnetic card readers.The app also supports Japanese
Let the magnetic leader read with a dedicated chip mounted on a smartphone instead of non -contact communication by NFC
The terminal corresponding to Samsung Pay is equipped with a dedicated chip.When paying a credit card at the store, just bring this tip device closer to the card reader, and you will have a credit card through the leader.In order to use Apple Pay or Android Pay, the store needs to replace the leader with NFC compatible.But Samsung Pay can be used as an existing credit card reader.
In other words, the store does not need any investment, and can respond to the payment of Samsung Pay as it is.The user does not need to ask the store, "Can you use Samsung Pay?"A normal POS device leader who can read magnetic credit cards can almost use Samsung Pay.
In addition to the three major credit cards, they are affiliated with major banks in the United States and South Korea.
I tried it on the Korean version of Galaxy S6 Edge
Let's actually use Samsung Pay.Currently, only some areas of "Galaxy S6" and "Galaxy S6 Edge", and "Galaxy S6 Edge+" and "Galaxy Note 5" announced in September.S6 and S6 edge released in Japan are not supported.This time, I tried the Korean version of the Galaxy S6 Edge, which was used in Korea where the service was first launched.
Samsung Pay apps are automatically installed by updating the system to the latest version.S6 Edge+and Note 5 have been pre -installed from the beginning.After launching the app and agreeing to the terms, first register the fingerprint used for authentication.This uses the same thing as the lock -unlocked authentication of the system, so if you register your fingerprint in advance, you do not need to re -register.
Samsung Pay is automatically installed in the latest firm
Next, register the card.Scan the card because the camera starts on the registration screen.Then the card number is read.The information that was not loaded should be entered manually.Use in Korea requires a Korean resident registration number.In the future, when it is deployed in other countries, it seems that personal recognition information other than credit cards may be required for each country.
Scan the card from the app and easily register
You can input information, CVC code, resident registration number, etc. that could not be read
Then, again agree with the terms, and after authenticating the registration with SMS, enter the credit card sign on the touch panel of the screen with your fingertips.When a store needs a signature for using a credit card at the store, the store share the actual sign and the sign written on this screen.If you register multiple cards, you can continue to register another card.
Sign at the end.This sign plays the same role as the sign on the back of the credit card
By the way, when the card registration is completed, Samsung Pay is resident and the head of the card is glanced at the bottom of the screen.If you swipe the card part with your fingertips, the card will appear on the screen and you can pay immediately.
The app is resident after the Samsung Pay card registration is over.The edge of the card can be seen at the bottom of the screen
It was used smoothly like a credit card!
Let's use it at the store.First, call the card to the terminal screen at the time of payment, then place the fingerprint on the home button and authenticate the person.When the authentication is over, the screen will be displayed on the screen as "Please bring the back of the terminal closer to the card reader".
Swipe the card with your fingertips and pull it out
A card appears and you can pay immediately
When fingerprint authentication is OK, it is instructed to bring the terminal closer to the card reader.The card number is not displayed on the screen
Then, the credit card information is transferred to the card reader side, it is the same as the state in which a normal magnetic card is passed, and the card information is displayed on the leader terminal screen.You can sign a sign here, so if you sign the same as when using a magnetic card, the receipt will come out and it will be completed.
Apply a terminal to the magnetic leader part.The card number is displayed on the leader's screen, but the card number is displayed
In Korea, he signs the left handwritten pad when paying a card.If the authentication passes, the receipt will come out
In other words, Samsung Pay uses smartphones as a credit card itself instead of completing payments on the terminal.There is no need to turn on the NFC function of the smartphone, and there is no need to contact the NFC leader part of the store's payment machine on the store side.It is easy to use, so in Korea, the usage amount reached $ 30 million in one month from the start.This is equivalent to about 120 million yen per day.
There is no problem in using it at a local supermarket
I tried Samsung Pay this time not in South Korea, but Jeju Island, a resort area.When he tried to use Samsung Pay in a beauty salon, he received the terminal smoothly without any doubt, "Yes, yes."It was said that it was a beauty salon, and it was said that young customers sometimes use it.
In addition, when I paid to a slightly older part clerk at a local supermarket, when I said "Samsung Pay", I put the terminal on the cashier -shaped POS terminal card reader part and settled it.After that, I used about 10 stores, including a cubes and a fast food store, but the clerk was able to use Samsung Pay without being confused at any store.The number of users is probably increasing at a stretch because Samsung Pay can be used easily.
Of course, the smartphone NFC payment system of Apple Pay, Android Pay, or Master Cards and VISA cards will spread in each country, and POS terminals at the store will be replaced with NFC readers.However, just because the store supports NFC does not mean that consumers will suddenly start paying using NFC on smartphones.I go to the United States several times a year, but rarely see people paying with a smartphone.
Samsung Pay supports NFC as well as magnetic card readers.Therefore, it is also expected that consumers will first get used to mobile payment using magnetic card readers, and if the store's NFC supports, they will switch to NFC.This can be said to have a greater advantage than other companies' mobile payment services.In fact, we talked to the number of people who use Samsung Pay on Jeju Island, but none of them had to pay at the store using smartphones.
The store side does not need to add NFC leaders, but the largest merit corresponding terminal is expected to increase and launch in other countries.
In order to use it in Korea, it is necessary to have a resident and a credit card.However, in the United States, there are prepaid credit cards, so it may be possible for tourists to buy them and register them in Samsung Pay.I'm going to try it on the next time I travel to the United States.
Samsung Pay's drawback is that there are fewer models that can be used than Apple Pay and Android Pay, as the corresponding terminal is the latest model of Galaxy.However, the point that can be used in non -NFC -compatible POS is a major advantage.After that, whether consumers will take out their smartphones and pay.If you can guide the motivation well, some consumers will choose Galaxy to use Samsung Pay.I would like to pay attention to future developments in each country.
Yasuhiro Yamane's official site
