Home-Word-Application for payment by touching your phone Windows background. The ability to pay by phone instead of a bank card - mobile application for IPhone and Android

Application for payment by touching your phone Windows background. The ability to pay by phone instead of a bank card - mobile application for IPhone and Android

Not long ago we already did detailed review instructions "How to program NFC tags for Android." But as you know, NFC technology is supported by phones with OS Windows Phone from Nokia. And today we are sharing with you programming instructions NFC tags For Windows platforms Phone.

And, as you may have already noticed, NFC technology is revolutionizing both Android world, so in the worlds of other manufacturers such as Sony and Samsung and Nokia. The latter took our technology seriously, so the company’s programmers released their application, which is available for download for free - Nokia NFC Writer for Windows Phone. The functionality of the program also pleases with the variety of functions and tasks. In this manual we'll talk exactly about this application.

Nokia NFC Writer has many different functions which include regular entries to complete tasks, but there are interesting ones, such as built-in support for Foursquare, so you can create a tag that will check-in or send a post to Twitter. You can also connect to your Facebook or Google+ account. This great app, the guys from Nokia did a good job.

Let's move straight to examples of creating tasks and recording them on an NFC tag.

Turning on airplane mode before you go to bed

This is a good and simple example of automating a specific action, which is performed by simply presenting the phone to a tag that in this case taped to my nightstand:

Launch the program in the main menu Nokia programs NFC Writer select "Compose", and then swipe to right panel(“Settings”) and select “flight mode”.

Now you need to bring your mark with NFC chip(which you can) to the back of the phone (where the NFC antenna is) and hold it in place for a second. In the case of the Lumia 1020, the antenna is located at the top, near the camera, but the location of the antenna may vary depending on the device model. The transfer is very fast - only 30 bytes.

You can also make another mark in the morning to turn off airplane mode. If you don't like using airplane mode, you can turn off all sounds, for example.

Creating an electronic NFC business card

Such a business card will be especially useful at an event in uniform. To share your phone number, simply press the phone to which you want to transfer data to transfer your phone number.

You can also share an email, send an SMS (which will be discussed below) or even automatically dial a phone number.

Sending an SMS to the recipient informing you that you have just left work.

Example: you come home from work, and in the car you hold your phone up to the tag, which sends an SMS to your wife (who is already at home) saying that you are already heading home. You can say that this will be a signal for your wife to make tea for your arrival :)

Select "send message", write the text of the message and the recipient's number.

I brought a few simple examples using NFC tasks. You can also just run different applications, check in on Forksware, send messages on Twitter and much more.

It is also worth noting that when adding tasks, at the bottom of the program it is written how much space is needed on the chip to record the task. When purchasing an NFC tag, you yourself should know how much memory is available for recording on the NFC tag. And when creating tasks and recording them, you must control how much memory remains.

If you still have questions, ask them in the comments below.

A couple of years ago, a cell phone was just a device for calls and SMS, but times are changing, and today with the help of a mobile phone you can surf the Internet, listen to music, transfer files via email, take photos and much more. When going to the store, now you can also take a smartphone, because thanks to the mobile application it has become easy to pay by phone instead of a card or cash.

What is contactless payment by phone?

In order to understand how the payment process occurs, it is worth understanding contactless technologies. A payment card is a piece of plastic with a microprocessor sewn into it. Banking institutions purchase blanks from the manufacturer and record information on the chip. The mobile phone also has a chip, so the client’s payment information can be recorded on it. This means that a cell phone itself can be a means of payment, the same as a contactless credit card. This may be due to the use of the NFC system, which is something akin to Wi-Fi and Bluetooth.

NFC technology

Near field communication, abbreviated as NFC, is used to exchange information between the payment terminal and the smartphone. It helps to exchange information a short distance, equal to approximately 4 cm. Distinctive feature NFC technology is that there is no need to enter passwords and logins every time. You just need to touch the devices to each other and payment by phone instead of a card will be made. This technology is used in the production of transport cards.

Which banks support NFC

One of the first banking institutions to introduce cell phone payments instead of cards for clients was Sberbank, since it accounts for the lion's share of credit card users. The next one to introduce the possibility of using NFC was Alfa Bank. True, they worked with systems Samsung Pay And Apple Pay. After the release of the application for Android, other banks launched a service for payments with gadgets:

  • VTB24;
  • Ak Bars;
  • Binbank
  • Opening;
  • Rocketbank;
  • Dot;
  • MTS-Bank;
  • Promsvyazbank;
  • Raiffeisenbank;
  • Rosselkhozbank;
  • Russian standard;
  • Tinkoff.

Phone payment function

To be able to pay by phone instead of a card, there must be an NFC chip. Older models must also have a Secure Element microprocessor, where payment application data is recorded. The chip can be embedded in motherboard or located on a SIM card or memory card. Thanks to the introduction of the Host Card Emulation (HCE) function in new phones, data about plastic cards can be stored directly in the application itself.

Which smartphone models have a pre-installed version?

If previously a pre-installed version of the program, with which it was possible to pay by phone instead of a card, was found only in some models, then at this stage, owners of any smartphones with the FNC function can safely leave their wallet at home. To go shopping, restaurants, cafes, you just need to take your cell phone with you, although you definitely need to pay attention to whether the point of sale has a terminal that accepts contactless payment.

Applications for payment via NFC

Before you pay by phone instead of a card, you need to install special application, which will help you link your credit card to your mobile phone. Today there are several of them, so there is plenty to choose from:

  • Yandex.Money. The application is installed on the gadget, after which you need to go to the menu and select the “Contactless payments” section. The user will have access to virtual card MasterCard, and a pin code will be sent to your phone, which will be necessary to pay for goods and services worth more than 1000 rubles or withdraw cash from ATMs.
  • Visa QIWI Wallet. First, you need to download the application to your phone and link it to your smartphone. To do this, you will need a code that will be sent to the user via SMS. After this, the owner must come up with a password that will protect payment system. To pay, you just need to unlock your phone screen, and for purchases worth more than 1,000 rubles, sign the receipt or even enter a code.
  • Wallet. Bank cards. Installed on a smartphone from Google Play and works on gadgets with Android 4.4 and higher.
  • Samsung Pay. The application is installed on company phones. In addition to the fact that payment via NFC is possible, users also received MST (Magnetic Secure Transmission). If the first one works only with terminals that accept contactless payments, then the second one works with all terminals through which you can pay with cards with a magnetic stripe, since in its work it creates a “similar signal”.
  • Apple Pay. Service integrated into Wallet app, gives all users of gadgets released Apple, use them when making payments through terminals contactless payment and online in some online stores.

How to set up NFC for card payments

For users of phones on the Android operating system, to enable the NFC function, you need to enter the menu and select the “Wireless Networks” section. There you need to select the “NFC” subcategory and activate the module. In this case, it is automatically activated Android function Beam, which speeds up the application. If this does not happen, you need to activate it yourself. For Windows Phone owners, in the “Settings” section, you must select the “Devices” category, where to activate NFC function.

Loading a map into your phone

It will not be difficult to link the card to the selected application, since during identification the user will be asked to enter data. It is worth considering that some applications, such as Yandex.Money, issue and offer the use of their own virtual card. To summarize, we can say that NFC payment by phone is possible with an existing MasterCard PayPass or VISA PayWave credit card, or with a virtual one, which is issued after installing the application.

Card management

Applications allow users iPhone smartphones, Samsung, HTC, LG and others to tie different cards. If necessary, you can delete the old credit card data and enter new ones. For iPhone owners, the default payment card is the first credit card entered. If other cards have been entered, then in the application you must indicate the one that has priority.

CardsMobile Wallet App

In 2015, the “Wallet” application was released in Russia (the “Cloud” beta version of the application is called “Wallet. Bank cards”), which was initially built into some smartphone models. Now you can download it from Google Play absolutely free of charge and use it on mobile devices with operating Android system version 4.4 and higher. After registration, you must select one of the cards of the proposed institutions and fill in certain data. The owner of the phone can take advantage of the conditions of prepaid credit cards from Tinkoff, Russian Standard, St. Petersburg banks.

Pay with a smartphone as a card

You can upload several cards to one gadget at once. Payment by card via telephone is completely safe and occurs through secure channels. It is impossible to steal such a credit card; no one sees either the PIN code or the details. When using the touch payment method, the terminal does not use the card data, but only digital code, which is safe even if there is a possibility of fraud, since it does not carry any information. Paying by phone instead of a card does not require an Internet connection, which is an advantage when using it instead of a credit card abroad.

Where are contactless payments accepted?

Contactless payment technology is convenient. A phone with NFS can be used in retail establishments when paying for purchases. They can easily pay in restaurants, for travel on the Aeroexpress train, and at metro ticket offices. You can pay for goods or services wherever there is real opportunity performing transactions using contactless payment terminals. If the Samsung Pay application is activated, the ability to pay with a touch of your phone instead of a credit card increases, since the transaction can be performed with almost any terminal, not only in Moscow, but throughout the country, and even abroad.

How to pay by phone in a store

Before you pay with a phone with NFC, you need to launch this very module in it by going to the smartphone menu. If the program requires it, you need to activate the program using the previously entered code. When you approach the terminal, you should turn on the screen and bring your smartphone to the reader. All transactions up to 1000 rub. are automatically paid, all others will require entering a payment password or confirming the transaction with a signature.

Card replenishment

Payment via NFC requires a positive balance on the card. For this reason, you need to top up your account. This can be done in the application itself using a plastic card from other banks or through special services banking institutions. International payment systems guarantee the safety of the process of using a cell phone instead of plastic, and funds are credited quickly - within a few minutes.

Video

Until recently, a mobile phone was just a means of communication; today it provides a lot of opportunities to its owner. Moreover, today you can use your phone to pay for your purchases in stores cashless. That is, you do not need a bank card, because all your data can be saved in memory mobile device using a specialized application. How do you pay with a mobile phone instead of a card?

The principle of contactless payment

In fact, you can pay for purchases using a mobile device contactless technologies. In essence, a bank card is just a piece of plastic that a financial institution purchases from the manufacturer. All information about its owner and the available cash limit is stored on a specialized microchip. That is, plastic itself is just a carrier of information that can be transferred to another device, for example, a mobile phone. Payment by touching your phone is only available if it is equipped with an NFC system.

Please note that the contactless payment system does not support all mobile devices.

What is NFC

The principle of paying for purchases with one touch is quite simple; the storage medium transmits data using a connection that vaguely resembles Bluetooth or Wi-Fi. NFC stands for Near Field Communication technology wireless communication short range, which allows you to transfer data from a smart card to a reading device.

This payment technology allows you to transfer data about the bank account owner to the organization that services the POS terminal in a matter of seconds. Further, the bank gives a positive response about the operation, if there is a available funds. Moreover, the main convenience of one-touch payment using a mobile device is that you just need to bring it to the reading device and payment will happen instantly.

Please note that if the purchase amount is more than 1000 rubles, then the owner will need additional authorization using a PIN code.


Who provides the service

In fact, one-touch payment for purchases is provided not only by mobile devices, but also by the bank that services your bank card. To be more precise, not all banks allow you to load data from a plastic card into the memory of a mobile device. On current moment The contactless payment system is supported by the following financial institutions: Sberbank, Alfa Bank, B&N Bank, MTS Bank VTB 24, Tinkoff Bank. This, of course, is not the entire list of banks; the system is gradually being implemented by all financial institutions in order to improve the quality of service.

One-touch payment app

An application for paying by phone instead of a card can be downloaded and installed on your mobile device. By the way, there are a number of requirements for the mobile device itself, since older smartphone models do not support this function. If you want to use your phone instead of a card, you need to check whether your phone has an NFC chip.

So, to use a smartphone instead bank card you need to install a specialized mobile application. Today there are several of them, you can choose one of several:

  1. Yandex Money. Surely everyone has heard about this service. Electronic wallet today allows you to install the mobile application of the same name and order a bank card linked to your wallet; to make purchases in one touch, you need to open the menu in the mobile application and find the “Contactless payments” link in it, after which you can pay for your purchases using your smartphone.
  2. Visa QIWI Wallet. If you choose this application, then you first need to download and install it on your smartphone, then confirm authorization using the SMS code sent to your phone number. Afterwards, the owner can come up with a password to protect his payment data. To make purchases using the application, you just need to unlock the display.
  3. Samsung Pay. This application is designed specifically for smartphones under Samsung brand The application allows you not only to make payments using NFC technology, but also MST. MST is a technology that allows you to read data from the owner’s plastic card at terminals that do not support the one-touch payment system. You can transfer data by touching your smartphone to a device to read information from a magnetic stripe.
  4. Apple Play is a one-touch payment service for Apple-branded devices.

Application from Russian banks

As stated earlier, many large banks provide the opportunity to pay for purchases in one touch. Let's look at a few examples of which banks allow you to register their clients' cards to use one-touch payment technology.

Sberbank of Russia

If you are a client of Sberbank, then you have the opportunity to use the one-touch payment service using Android applications Pay. If you are a Sberbank online user on a mobile device, you can pay for purchases using it. To do this, go to the menu and select a card, open detailed information about it and select the “Add” link Android Pay", then, using the system prompts, complete your actions.

You can pay for purchases using your smartphone as follows: first unlock the display of your mobile device, then bring it to the POS terminal. After a few seconds, you will receive a notification about the operation.

note that this function Only payment by phone is available instead of a Sberbank card in POS terminals with one-touch payment technology.

Alfa Bank

Pay with mobile phone with Alfa Bank cards you can use your mobile phone Samsung device, with the Samsung Pay mobile app. You can download any bank card from Alfa-Bank. To become a user of the application, you just need to find the Samsung Pay application in the menu of your mobile device, then upload your bank card and select the authorization method. As for the authorization method, you can choose two options: either using a fingerprint or using a PIN code. That is, to pay for purchases you either need to leave your fingerprint or enter a short password.

By the way, we cannot help but say that Alfa Bank is one of the few that offers its clients another convenient way payment for purchases in one touch - this is a watch with an Alpha Pay card. That is, you do not order from a bank plastic card, and watches with a built-in microchip to carry out debit transactions just need to bring them to an existing device.

VTB 24

Here the Bank offers a choice of one of two Samsung applications Pay or Android Pay, to use the application, just install it on your mobile device, then register one or more of your bank accounts there, so you can pay at the checkout using your phone.

If your mobile devices are on Android based, why is it worth paying attention to what operating system must be at least 4.4, then you should adjust the contactless technology NFC payment. To do this, go to the menu of your mobile device and find the section wireless networks, then you need to select the NFC function and activate the module. In a similar way, you can configure the technology in mobile Windows devices Phone.

Payment by touching your phone is possible only after you load any of your bank cards in the application; it will be debited from it cash. Everything here is quite simple: you just need to find the user identification function in the application, then enter your data payment card. If necessary, you can delete the card or enter the data with a new one. In addition, you can specify several cards and select a priority one.

Please note that if you use the Yandex.Money application, you can only use funds with electronic wallet, or, more precisely, a virtual card.

How to pay for purchases in a store

First of all, it is worth considering that paying at the checkout using a phone is only possible if the point of sale has a POS terminal for a one-touch payment system. Next, you will need to activate the application, for example, simply unlock the screen. Afterwards, you need to bring your mobile device to the POS terminal at a distance of at least 10 cm and wait for a response from the bank. If the operation was successful, you will see a message on the display of the terminal and your device. When paying for purchases worth more than 1,000 rubles, you will need to enter the PIN code from your bank card.

You can pay with your smartphone at any retail outlet, for example, in restaurants, shops, gas stations, when paying for movie tickets or air travel. The main thing is to fulfill two basic conditions: there must be a POS terminal in retail outlets, and on your bank card account available amount funds.

So, modern technology NFC contactless payment allows bank clients to pay for goods and services with one touch. By the way, we can’t help but mention safety. this method payment. If possible, be sure to set a password for the application to avoid unauthorized access to your funds by third parties.

Near field communication, better known to everyone as NFC(Near Field Communication) is “a short-range, high-frequency wireless communication technology that enables the exchange of data between devices located at a distance of about 10 centimeters.” This is how Wikipedia deciphers the meaning of the technology that is rapidly gaining popularity. If no one had previously wondered why his phone needed to have such an advantage, then in our century, especially in the coming years, NFC, along with it, will not be at all superfluous. So what's so great about this technology? Let's figure it out.

The following 8 reasons will make you think about purchasing a smartphone next time. Windows Phone 8 with support NFC.
1. Leave your wallet at home. A smartphone with NFC can remember all your debit/credit card information. They will be stored in the application" Wallet" and can be used if it is necessary to enter data from a card or when making purchases in Windows Store Phone. In the near future, it will be possible to pay using a smartphone on special NFC-supported terminals with one touch.

2. Another possibility in the near future is storing the key card information for your hotel room. This means that you will now never leave the room without a key to it, because you always take your Windows Phone with you.

3. Use your smartphone to pay for travel public transport. All you need to do is swipe your device over the NFC reader. The system is already working in countries such as the UK, Germany, China and some others. In Russia, you can also experiment with the Moscow metro. Don't forget to share your results with us
4. Transfer of virtual business cards has become even easier. It is enough to bring two smartphones close to each other, and all the information specified about you on the card will be downloaded to your opponent’s device. You no longer need to buy new business cards when you change your number or job; all information can be easily overwritten. Of course, data transfer is only possible if availability of NFC for both smartphones.

6. In the "Wallet" application you can also save all the information about your discount (discount) cards. Say goodbye to your bulging wallet, now you only need one smartphone to get a discount at your favorite store.
7. NFC can be used for completely different purposes in a variety of applications. For example, in Foursquare, to indicate your location, you need to download the program, find your current location and “check-in”. With NFC, this is done in one touch, just touch your smartphone to the desired NFC reader.

8. Just like step 5, you can easily transfer your photos and videos to your friends and family using the Tap + Send feature on Windows Phone.

Listed above are just 8 everyday situations in which you will make your life easier. In fact, the capabilities of NFC are limited only by the imagination of developers. See how you can turn Nokia Lumia 920 to the central control panel of your apartment:



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