mobile Payments to Google been celebrated in Russian. At the beginning of the the decision will benefit the customers of the Bank Zachodni WBK, Alior Bank And T-Mobile Banking Services. To be able to pay by phone zbliżeniowo just any smartphone running Android version 4.4 and above, which supports NFC.
Russia is the first country in Central and Eastern Europe and the second country in Europe after the great the UK, where Google was introduced to the market. beginning Android Pay system will be available for customers, Western Bank WBK, Alior Bank and T-Mobile Banking Services. Thus, it was confirmed information that a few days ago, we are in the pages of the website PRNews.pl. Soon with the service will benefit customers, mbank, and in the near future clients of the following banks. The application can be connected as the card Visa, And MasterCard.
Android Pay, a digital wallet, with which you can pay zbliżeniowo phone. decisions can take the advantage of the customers of those banks that actively cooperate with the Google. Issued by a Bank standard card, you need to pair with a mobile app Android Pay. This can be done by performing image (data is then to be read immediately), or enter data manually. The program you can connect any number of cards, and depending on the needs to choose which we want to pay. In the near future, Android Pay will also be allowed replenishment of loyalty cards.
How to pay zbliżeniowo phone?
once activated, you can to start paying by phone zbliżeniowo in any store that accepts cards contactless. It is approximately 425 thousand. terminals POS in Poland and over 6 million worldwide. Payment is almost the same as in the case of a regular card. Before its implementation you only need display phone screen and fasten the camera to the POS reader. No need to sign the application and payment below 50 rubles are accepted without specifying the code PIN. For payments over this amount, you must enter the four-digit code the same, which usually we give when paying by credit card. The phone must not have an active Internet connection.
Requirements characteristics of the phone will be very high. Requires Android version from 4.4 and above, which supports contactless NFC. This system came into our market a few years ago. For obvious reasons, no solution they can use the users of phones running on other systems, systems (e.g. iOS or Windows).
Pay to Google can be found also in some mobile applications. If you shopping there will be a visible icon to “Pay Android Pay”. Payment option will be coming soon to the app such as Allegro, Ceneo, iTaxi and Uber.
What is tokenizacja?
Payment Android Pay is the practice of so-called payments HCE (Host Card Emulation). In Alior Bank and the Bank Zachodni WBK was implemented in partnership with MasterCard. Transaction made with the help of Android Pay use the so-called tokenizacji, which implements the Mastercard Digital Enablement Service (MDES). Tokenizacja is the replacement of the card number a sequence of digits called a token. Because it is the room more than credit card card details are not passed to the seller. Token is assigned to your device, and you can not use it for any other equipment. Even if it came to his capture, for a thief like this the information becomes useless. The token is not stored in the phone, but in the computational cloud. Such decision in the view of MasterCard ensures a high level security.
Banks put on HCE
I wonder clients of Bank Zachodni WBK for almost a year, and can use the payments HCE, which the Bank made within its mobile app. In practice, both to decide for yourself bliźniaczo similar, and it is only from the client depends on which choose. ABB currently provides HCE and payment within a native application. While his customers are, so that they could use only solutions provided by Google. To his demands, the Bank should have been however, the mechanisms tokenizacyjne MasterCarda, therefore, the introduction of HCE Alior Mobile was only a matter of time. From the site PRNews.EN it is evident that this will happen at the end of the first quarter of 2017, when the Bank will provide customers with a new mobile application and a new system of Internet banking.
users cards Android Pay, Mastercard in collaboration with the network Multikino has prepared a special promotion. Kinoman that from Friday to Sunday you pay with a card Mastercard via Android Pay for a movie ticket for any session, you will not only get a second ticket free of charge, but also a voucher for a large portion of popcorn. The action starts December 2 and runs until the end of the year, covering Multikino cinemas across Poland.
Mobile payment HCE is available today in the banks: PKO BP, Pekao, BZ WBK, Alior Bank (Android Pay), eurobank, Getin Bank, T-Mobile Banking Services (AP).
Wojciech Boczoń
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