Samsung Pay Assessment: A payment tool that facilitates broad prospects

Samsung Pay is a mobile payment tool officially launched by Samsung in March this year, with features such as "immediately paid" and "mobile withdrawals" (recently launched), in which the former features of Samsung Pay have a powerful application in the user's shopping and other life, which can replace the user's bank card operation function in all respects. In addition, Samsung pay and nowadays another popular Apple payment also slightly different--samsung paid theoretically supports all POS payment operations, while Apple payment can only be paid on the POS with the "Cloud Flash" logo, which is obviously slightly inferior to the former in terms of scope of application.

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Since the launch of the beta in early March to date, the pace of Samsung pay in the Chinese market has also increased significantly. In the context of the author's recent market knowledge, the acceptance of Samsung pay by merchants and users is also increasing, especially when most new users are surprised by Samsung Pay's "credit card like cards", and according to official information, from March 2016 onwards, Samsung Pay will also step into other countries and regions to further increase the range of applications.

In the course of the recent experience, I have been given high hopes for the media as a new tool to be paid alongside Apple, especially by downloading, installing the Samsung Pay app to tie cards, shopping payment and experience, and so on, with a full understanding of this new payment tool. The following is the author of the entire experience process of the approximate record, with a view to other interested users to provide reference.

1. Download and install the Samsung Pay APP: Convenient and efficient

Samsung Pay currently supports a total of 4 models for Samsung Galaxy S7, Galaxy S7 Edge, Galaxy S6 edge+ and Galaxy Note 5, according to official information, with the new product launch process accelerating, the future will be added to other models to support. In my opinion, Samsung Pay, as Samsung's key mobile payment tool, is important to Samsung's market and strategy, so from the conventional logic, Samsung's new mobile phones will likely support Samsung Pay's operation and use support in the future.

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And the author just has a S6 edge+ mobile phone, based on this new mobile payment tool Curiosity, the author immediately began a new experience of it.

If a user is using a mobile phone that is just in the 4 models Samsung Pay supports, then only the firmware of the phone system needs to be upgraded to the latest version to discover that Samsung Pay is already in the system software. It is important to note that if the user's phone is not upgraded to the latest version of the firmware, users need to go to the Samsung mobile App store to download and install the Samsung Pay app. After making sure that the Samsung Pay app is already installed on your phone, you can start Samsung Pay on the desktop by clicking on the "Samsung Pay" icon on your desktop and tapping on the "Samsung Pay" icon.

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Initial launch of the app installation process

Whether you upgrade your system via your phone or download the installed Samsung Pay APP yourself, you will need to download and install a security module about 40MB at the first boot. After the user installation is complete, the system detects the phone's operating environment and ultimately ensures that the Samsung Pay app is up and running. In general, downloading and installing the Samsung Pay app is easy and efficient throughout the process.

2, Binding Card process: To provide two types of binding card, the process is simple

When you start the Samsung Pay app for the first time, a video document with the prompt will pop up, and when the video is finished, you'll be prompted to use the account question (if the user is already signed in to the Samsung account, the user is reminded to use the account). After signing in to Samsung account, the mobile interface immediately appears security verification problem, the way of verification is divided into fingerprint verification-in addition to fingerprint verification, users can also enter a digital password way to authenticate.

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The process of tying the card is exceptionally simple and convenient

After the authentication, you enter the "registered Samsung Pay digital Password" interface, where users need to enter 4 digits as the digital payment password for Samsung Pay, then the phone interface will prompt the user "later" and "Add a bank card" two artificial options, here we choose "Add a bank card ”。 After clicking, the phone interface into the scan user Bank card interface-the entire phone interface is a rectangular rectangle box, the user placed the bank card under the camera, the box can appear the user bank card information, after a while, the phone screen will show Samsung Pay has successfully read the user's bank card number prompt.

Here, if the user's phone because of light or camera and other reasons can not successfully scan the card, then you can directly enter the bank card number of the way to bind the card.

After the user completes the number input, but also needs the user to fill in the corresponding account information, for example the bank reserved the mobile phone number and so on, the user according to the request to fill correctly, then can complete the binding work after submits to the system.

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Samsung pay supports a large number of banks

Samsung Pay supports users with multiple cards, and Samsung Pay now officially launches 15 banks: ICBC (credit card), Bank of China (credit and debit card), Chinese construction Bank (credit and debit card), Citic Bank (credit and debit), China Everbright Bank (credit card), Huaxia Bank (credit card), China Minsheng Bank (credit card), Chinese merchants Bank (debit card), GF Bank (credit card) and Ping An bank (credit card), according to Samsung official statement, in the future will continue to open support Bank of communications, Industrial Bank, Shanghai Pudong Development Bank, Bohai Bank, Other banks, such as the Bank of Beijing.

3, Start mode: Click the app and swipe the screen of the dual-start mode

After the user has completed the BIND card operation, they can formally use Samsung Pay.

The way to start the Samsung Pay app is very simple, with a total of 2 start-up modes supported by the quiz: one is the regular way to start the Samsung Pay app by clicking on the Samsung Pay icon, and the other way is when the phone is on standby, You can also open the Samsung Pay APP by swiping up from the bottom of the screen with your finger. In the process of using the author found that the latter approach is both cool and efficient, in practical applications really have a very convenient embodiment.

The way you click the app to launch the Samsung Pay app is similar to the way you start a regular app, and this is not a repeat.

4. Payment experience: A new payment tool that can completely replace a bank card

After you start the Samsung Pay app, you can make purchases or other purchases (you'll have to have a deposit or credit card that has an allowable debit limit).

According to Samsung's official tutorial, when a user launches the Samsung Pay app, they will find that the user's SIM card is already displayed on the screen, and usually the card that appears at the user's first glance is the default payment card for the user, and if the user needs to pay for another card, You can select different cards by sliding the screen around different ways.

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After the user chooses the designated payment card, the system will ask the user to re-appropriate the password to verify the account (this detail is really worth the praise, before the payment must again verify the password to guarantee the safety factor), after the user authentication password is complete, the card will appear a curved white progress bar, At the same time, the mobile phone screen will also appear to let users close to the POS machine prompt. At this time, the user will be near the mobile phone has been lost the amount of the POS can be paid, if the bank card needs to enter a password, then the user again enter the card password, POS complete response operation is paid successfully.

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During the payment process, Samsung provides a fingerprint or digital password, payment token, and Samsung's exclusive Knox multiple security for the security of the transaction, and in the course of the user's use, the fingerprint or digital password is the first layer that protects the phone from being unlocked at will, after which payment tokens (tokens) By changing the dynamic password so that the bank card information will not be stolen with the data exchange with the POS, and Knox for Samsung Pay users with intelligent + efficient security, can fully protect user payment security.

5, Experience: Pay convenience, but the market must redouble efforts to popularize

Because of business relations, I was fortunate to have a experience in different cities and different businesses.

The first time I experience the location is Beijing Capital Airport T3 terminal of a supermarket, in the author to collect campers explain the situation, the campers said do not know how to operate, the author told them in accordance with the regular credit card input payment amount, the phone close to the POS machine and verify the account password is paid to complete. After a brief and efficient payment process, the salesperson was surprised and intrigued, and the salesman said it was really easy to use after explaining the principle and the technical way.

The second time I experience the location is a small convenience supermarket in Guangzhou railway station, but with the capital airport different situation is that the supermarket staff do not support the author's work, the author of detailed inquiries only to know the specific reasons-the salesperson has not heard Samsung Pay, in the author seriously explain to it, The salesperson still requires the author to use other payment methods. The answer to the reason for the author to laugh and cry: the salesperson because did not hear Samsung Pay, so worried about the presence of their store funds stolen (the author only Waterfall Khan ...) ）

Through many experiences, the author finds that the current market situation of Samsung Pay is slightly different because of the geographical and crowd audience, generally in big cities and more advanced information technology cities, the average person's acceptance is very high, especially the special convenient payment method attracts many passers-by curiosity. But in some other cities, most people are curious and skeptical because they have not heard, and it seems that Samsung needs to work on marketing.

As far as convenience is concerned, Samsung pay is indeed a better payment tool than Apple pays.

Finish

Zhu Yi, science and technology from the media, well-known opinion leaders.

: Izhuyi

Public Number: Zhuyiweixin

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Samsung Pay Assessment: A payment tool that facilitates broad prospects