Hand agility and no fraud: how to pay for the goods without cash and bank card

Previously, the transfer of data through a smartphone or a bracelet seemed something from the field of fiction. But then the NFC technology came to Russia and rapidly gained popularity. Her name for all hearing. But what does it mean and how it works? We’ll figure it out in the article.

Convenience and speed. the main motto of life in the big city. This is what is the leading purpose of innovative development. Paying for purchases has become much easier and faster. Even if you do not live in a metropolitan, then the idea is not to get a card from your or a wallet every time you will like to accurately.

A few years ago to make payment, it was necessary to get plastic and paste it into the reader, or spend the magnetic side.

Now it is enough to attach a smartphone or gadget to the terminal. for example, smart watches. And means instantly sprinkled from the account. Such a format of contactless payment card from the phone eliminates us from the need to constantly keep a wallet with you. If you accidentally forgot money at home, then the alternative payment option will always come to the rescue.

Familiar told me story. Once he was urgently sent on a business trip for several days. Being on the road, Mikhail realized that he left a bank card at home. It was no longer going to go back, and there was no cash with me, but in limited quantities.

And he found out: his phone supported the payment function. Downloaded the app, he called his wife so that she dictated him data. He successfully brought them into the phone, and it easily replaced him plastic. Over time, Mikhail appreciated the capabilities of the smartphone and now pays only to them.

Carefully treat phone calls when the interlocutor requests to call your personal information. The fraudster can even introduce a relative who fell into trouble. Therefore, be sure to specify personal information about which the screws do not know to make sure of conversation.

phone, card, does, contactless, payment

The work of this technology is provided by the NFC system. It appeared for a long time ago, back in 2004. Its full name Near Field Communication, that from English means “Communication of the Middle Field”.

In the title and lies the essence: contactless data transmission for a short distance. Technology something like a long familiar bluetooth. But between them there is a big difference.

NFC Bluetooth
Connection type “from device to device”, t.E. Connects only to one gadget Can connect immediately with multiple systems
A small radius of action. up to 20 cm Acts on longer distances. up to 10 m
Fast connection speed. up to 0.1 seconds Communication installation time takes up to 6 seconds

First, this principle of work appeared at bank cards. Visa and MasterCard payment systems began to actively introduce it worldwide, including in Russia. And then she moved to other devices. first to smartphones, and then in smart clock.

So the gadgets became a full-fledged device for sending payments. To date, NFC is used in contactless travel in public transport, in microchips and even in stickers.

With installment card “Halva” you can forget about cash and interest. In 240,000 partner stores you can purchase any touch anything. Change the design of online mood card and enjoy shopping!

Strictly between us: if you pay Halva via the phone, then the caches will be much larger than when paying the card.

In the future, technology is planning to expand and use as identity cards, electronic money, contactless keys from cars, houses, offices and in many other areas.

What phones are supported?

All smartphones on Android I will notice here to list, the main thing is to have support for NFC, and there was Android 4 in the phone.4 and above. In addition, the list of requirements is the presence of official firmware, no custom. Also the phone should be without root and without a unlocked loader. If you do not know what it is, that’s fine, and if you already managed to dig in the phone‘s filling, then do not be surprised that there may be problems.

NFC works in most middle-class phones, but with budget models problems, options with NFC are not so much. Understandable thing if you have top galaxy or xiaomi, then this question is not discussed, NFC you will have.

Accordingly, do not forget to turn on the NFC in the settings. And do not worry, battery charge This function does not eat.

How to use a phone card

Due to sanctions against Russian banks, foreign mobile payments, which allowed smartphones paying, work with interruptions, and sometimes not at all. RIA Novosti, 03.03.2022

Moscow, 3 Mar. RIA Novosti, Kirill Karimov. Due to sanctions against Russian banks, foreign mobile payments, which allowed smartphones to pay, work with interruptions, and sometimes they do not act at all. What are there alternatives. in the material RIA Novosti.Back to plastics For most cases on smartphones, foreign developers payment applications are installed: Apple Pay, Google Pay or Samsung Pay. Tied bank cards, plastic or virtual, supported by international VISA or MasterCard systems. Sanctions against Russian banks can greatly complicate the payment of goods and services as a smartphone and online.Apple has already limited its services in Russia, including Apple Pay. The owners of the iPhone experience difficulties in contactless payment.Lost the opportunity to pay smartphones and users of Visa and MasterCard bank cards released in VTB, FC Opening, Sovcombank, Promsvyazbank and Novikombank. Failures with contactless payment in the Moscow metro are not excluded, where VTB acts as an Equiler Bank, that is, it provides and serves terminals. So it is better to go to the map “Troika.”In any case, according to the recommendation of the Central Bank of Russia, it is worthwhile to carry a bank card with you. regardless of whether Visa is or MasterCard, whether it has been released by a bank who fell under sanctions, or not. Only, unlike Apple Pay and Google Pay, when paying plastic service or product more expensive than 1000 will have to enter a PIN code.We pay a smartphone in a new one-day Google Pay and Samsung Pay so far have been operating in Russia, there are no former stability and hope for them. Therefore, if you do not want to go back to the archaic plastic, you need to search for an alternative.The path is the first (and most reliable). to order a map of the Patriotic payment system the world in any Russian bank, plastic or digital, that is, existing exclusively in virtual space. SAMSUNG PAY and Apple Pay work with them, and payment. by phone with NFC. Owners of Android-Smartphones Available Domestic Mir Pay Service. At first, the inteeis may not seem so familiar, but the software performs the main function and interacts with any POS terminal in the country. The application is available on Google Play Store and the Appgallery store from Huawei.Way of the second. for the “Sber” customers: Sberpay service. It turns on literally in a pair of clicks in the mobile application of the bank without installing additional software. When activated, the smartphone lock is required. biometrics or password. But there are two limitations. First, Sberpay does not always recognize Visa and MasterCard. Secondly, the service is not available for Smart Apple devices. due to the internal restrictions of the American manufacturer. In fact, apple gadgets lost contactless payment in Russia.Payment on sitesMnogy Russians faced the fact that it cannot buy goods and services using Apple Pay and Google Pay online. on sites or in applications from smartphones.Here are the first to hit the clients of mineal banks. So, gamers attending the online stores Steam and Nintendo complain that it is impossible to make in-game purchases. services give the error and offer to take another card.However, the popular online site of Aliexpresses reported that despite sanctions, buyers from Russia will be able to use marketer.And, as reminded in the Central Bank, all the means of customers of any banks in accounts attached to the map are available at any time.

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Setting up notifications when buying a bank card

Buying goods in different ways, the buyer must receive a check. If you tied the phone to the phone and pay it, configure notifications so that these electronic documents are not lost among your personal data. You can install as a basket for checks your email address. And every purchase of Google Pay (or Other) will send here. You need to change these parameters in the application.

Now shopping data will be received by mail, as well as in notifications on the mobile screen. In the settings, it is also available to change the confidentiality settings, include the receipt of offers and advice on Appendix and Other. In the application information about purchases can be found in the “Actions” section. And in the list of “partner banks” are all financial institutions where it is possible to buy contactless way.

How to pay in the store smartphone instead of a card

Interactions based on NFC chips and were used to implement contactless payments. This technology on Android smartphones is now available in two basic forms wearing the name “Google Pay” (previously called “Android Pay”) and “Samsung Pay”.

For the full work of these technologies, the following components will be needed:

Conditions: Explanation:
Smartphone based on Android OS 5.0 or higher. Root must be absent.
Presence in the NFC chip smartphone. Its presence can be found in the settings of the smartphone, the technical characteristics of the device or by setting the “NFC check” application. In addition, you will need to turn on the NFC in the settings of the Android smartphone, moving the appropriate slider.
Acting bank card of one of the banks supporting the work “Google Pay” or “Samsung Pay”. Most domestic banks, including Sberbank in Russia and PrivatBank in Ukraine, support the work of this technology.
You also need a registered SAMSUNG account. In the case of using “SAMSUNG PAY”.
Terminal supporting contactless payments. Usually owns the corresponding icon.

Next you need to install on your gadget “Google Pay” or “Samsung Pay” application (Last works with Samsung phones). How to perform such an installation to pay a device instead of a card, we will tell below.

Pleasant bonuses

In addition to paying, you can add all your discount cards to the Google Pay application. Then, at the store’s checkout, simply run the application, select the desired map and the cashier scans the barcode on the screen of your smartphone! In the case of Apple, you can also add train tickets to the Wallet application. But this is already the topic of a separate conversation that we will still be touched upon.

At the end I would like to say a few words about the reliability and security of this technology. Neither Google nor Apple keep your card data on the smartphone itself. That is, if someone would be theoretically able to access the data of your Google Pay or Apple Pay application, they will not detect information about the real map.

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Instead, use a unique device number (Apple Pay) or a virtual account number (Google Pay), which are stored on the smartphone. It is this number, in a pair with a special security code, is used to make payment.

P.S. Do not forget to subscribe to Telegram on our scientific and popular site about mobile technologies, so as not to miss the most interesting!

How to pay the phone on the Visa map. Contact payments in detail

Surely, many of you noticed that after replacing cards with a magnetic strip on chip times, the operation in the terminal increased by a few seconds. The microcircuit takes longer, more time goes to check pin-code offline.

This is due to the fact that the process of servicing chip cards is much more complicated than reading a pair of tens of bytes from the strip and sending an authorization request to an open socket.

According to the EMVCO standard, a typical cycle of the EMV transaction consists of 12 stages:

Outthew authentication in offline;

Checking the risk management parameters on the terminal side;

Checking risk management parameters on the map side;

If required, then the authorization of transaction online;

These operations require intensive exchange and calculations both on the map side and on the side of the terminal and occupy the standards of online systems. At the same time, the card is constantly in the terminal reader, and the client is looking forward to the verdict of the system.

For large trading networks, the road each second, and modern customers want to get their goods faster. Visa payment system suggested for shops and buyers non-contact card service technology. In addition to the payment speed, customers received another valuable advantage. Now the standard piece of plastic can be generally superfluous, data for payment is recorded in the phone with NFC.

“The Visa Requirement Is For The Transaction Time Not to Exceed 500 Milliseconds” from the VISA manual for the developers of contactless terminals

The requirement given in the epigrafe sets a very rigid framework for processing a contactless transaction. 500 milliseconds. Exactly so much time has a terminal and card to meet, discuss and take a right decision.

To make a contactless transaction real for such a short time, the developers offered to remove from 12 steps of EMV transaction maximum extra, and the necessary steps. Combine and cut. So the QVSDC Specifications appeared (Quick Visa Smart Debit / Credit).

Figure 1 shows the main phases of service of the contactless transaction.

Phase 1. Preparation for contactless transaction. At this point, the terminal already knows the amount for payment and can determine the possibility of carrying out a transaction on contactless inteeis, taking into account the limits allowed by the Equirer. The terminal fills the TTQ record (Terminal Transaction Qualifier), which he later gives the map to make a decision.

If the contactless transaction is possible, the terminal activates the contactless reader.

Phase 2.one. Application Client Selects a contactless map or phone with NFC to reader. The reader requests a list of applications that support contactless payment. PPSE (Proximity Payment Systems Environment). If the application is found, it is automatically selected for payment by the AID ID (Application ID). If the application is not found, the transaction is completed. In this case, the terminal proposes to use another inteeis to make payment.

Phase 2.2. Initialization of the processing of the application Terminal transfers the map the most important command. Get Processing Option. Based on the analysis of TTQ recording, the amounts and currency transaction currencies, the card decides on the client authentication method, taking into account the risk management rules specified by the Card Issuer.

For contactless payment, the FDDA accelerated authentication mechanism is implemented (Fast Dynamic Data Authentication). Before responding to the Get Processing Option command, the card signs a random number using the Issuer key certificate, as well as the transaction terminal parameters. sum and currency code. Unlike the standard EMV processing, to reduce time instead of a separate transaction cryptogram (TC) cycle (TC) is transmitted immediately in response to the Get Processing Option command.

Phase 3. Map holder authentication based on information received from the card, the terminal carries out the card holder authentication. Options may be the following:

Without authentication. This is permissible, for example, when using the VEPS service (VISA Easy Payment Service);

By signature. The cashier must request a signature on the check;

Pin. The terminal offers the client to enter a PIN code;

CDCVM (Consumer Device CVM). Special method invented for customer devices, such as phone. In this case, the client enters a separate access code to the payment application. A sign of such authentication will be transferred to the terminal.

Phase 4. Authorization of transaction online. If necessary, the terminal forms a request for authorization and sends it to the issuer. The query passs the standard EMV transaction fields, the transaction cryptogram, the selected application and the sign of the maintenance of the card by contactless inteeis.

How to pay the phone on the Visa map. Contact payments in detail

Surely, many of you noticed that after replacing cards with a magnetic strip on chip times, the operation in the terminal increased by a few seconds. The microcircuit takes longer, more time goes to check pin-code offline.

This is due to the fact that the process of servicing chip cards is much more complicated than reading a pair of tens of bytes from the strip and sending an authorization request to an open socket.

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According to the EMVCO standard, a typical cycle of the EMV transaction consists of 12 stages:

Outthew authentication in offline;

Checking the risk management parameters on the terminal side;

Checking risk management parameters on the map side;

If required, then the authorization of transaction online;

These operations require intensive exchange and calculations both on the map side and on the side of the terminal and occupy the standards of online systems. At the same time, the card is constantly in the terminal reader, and the client is looking forward to the verdict of the system.

For large trading networks, the road each second, and modern customers want to get their goods faster. Visa payment system suggested for shops and buyers non-contact card service technology. In addition to the payment speed, customers received another valuable advantage. Now the standard piece of plastic can be generally superfluous, data for payment is recorded in the phone with NFC.

“The Visa Requirement Is For The Transaction Time Not to Exceed 500 Milliseconds” from the VISA manual for the developers of contactless terminals

The requirement given in the epigrafe sets a very rigid framework for processing a contactless transaction. 500 milliseconds. Exactly so much time has a terminal and card to meet, discuss and take a right decision.

To make a contactless transaction real for such a short time, the developers offered to remove from 12 steps of EMV transaction maximum extra, and the necessary steps. Combine and cut. So the QVSDC Specifications appeared (Quick Visa Smart Debit / Credit).

Figure 1 shows the main phases of service of the contactless transaction.

Phase 1. Preparation for contactless transaction. At this point, the terminal already knows the amount for payment and can determine the possibility of carrying out a transaction on contactless inteeis, taking into account the limits allowed by the Equirer. The terminal fills the TTQ record (Terminal Transaction Qualifier), which he later gives the map to make a decision.

If the contactless transaction is possible, the terminal activates the contactless reader.

Phase 2.one. Application Client Selects a contactless map or phone with NFC to reader. The reader requests a list of applications that support contactless payment. PPSE (Proximity Payment Systems Environment). If the application is found, it is automatically selected for payment by the AID ID (Application ID). If the application is not found, the transaction is completed. In this case, the terminal proposes to use another inteeis to make payment.

Phase 2.2. Initialization of the processing of the application Terminal transfers the map the most important command. Get Processing Option. Based on the analysis of TTQ recording, the amounts and currency transaction currencies, the card decides on the client authentication method, taking into account the risk management rules specified by the Card Issuer.

For contactless payment, the FDDA accelerated authentication mechanism is implemented (Fast Dynamic Data Authentication). Before responding to the Get Processing Option command, the card signs a random number using the Issuer key certificate, as well as the transaction terminal parameters. sum and currency code. Unlike the standard EMV processing, to reduce time instead of a separate transaction cryptogram (TC) cycle (TC) is transmitted immediately in response to the Get Processing Option command.

Phase 3. Map holder authentication based on information received from the card, the terminal carries out the card holder authentication. Options may be the following:

Without authentication. This is permissible, for example, when using the VEPS service (VISA Easy Payment Service);

phone, card, does, contactless, payment

By signature. The cashier must request a signature on the check;

Pin. The terminal offers the client to enter a PIN code;

CDCVM (Consumer Device CVM). Special method invented for client devices, such as phone. In this case, the client enters a separate access code to the payment application. A sign of such authentication will be transferred to the terminal.

Phase 4. Authorization of transaction online. If necessary, the terminal forms a request for authorization and sends it to the issuer. The query passs the standard EMV transaction fields, the transaction cryptogram, the selected application and the sign of the maintenance of the card by contactless inteeis.

Pay smartphone easily

So, how to pay the phone instead of a card in principle it is clear, there is nothing difficult about it. It makes no sense to delve into the technical nuances of the process for the average alone, since this is a field of activity for a narrow profile specialists.

No need to be afraid to pay for the purchase by the phone. After all, the process itself is not complicated, and for its implementation, only the presence of a smartphone and software application.

At the same time, the security level of the operation is not lower than on calculating payment cards. So worrying for theft of data with hackers also does not make sense. Equipment of mobile phones is the next stage of the development of contactless financial technologies. Today, clocks, bracelets, rings and other mobile gadgets have such properties.

Recently, in the news flashed the plot, where they tested a special chip, which was seen into the human body. He contained all the necessary information about his owner, including account numbers. And with his help, a person could be calculated in the cash desks of shops and supermarkets. Therefore, it is possible that after a while, such technologies will be used everywhere.

BYRGPUB.COM 2022