Not for nothing, science fiction writers of the late 20th century feared that the development of information technologies would reach such a level that all the inside stories of a person would be compiled in one place in a small box or in an even smaller intracutaneous chip. The end of 2018 is in the courtyard and similar ideas are not just closer to implementation, but are already being used everywhere, plunging life and life of people into the information space more and more. This fact can be treated differently, but it cannot be denied that most innovations have significantly simplified many routine and everyday processes, for example, the procedure for paying for purchases. In this article, we are talking about just one of the incredibly popular features, called Android Pay, that have been recognized by millions of users around the world.
Install and configure Android Pay.
So, “Android Pay” (it is now called “Google Pay”) is a payment system officially launched on the territory of the Russian Federation on May 23, 2017 and intended for contactless payments using smartphones based on Android OS. Those who are familiar with the banking system in one way or another know and remember with what “noise” bank cards were found, equipped with a similar system that allows you to simply bring a plastic carrier to the payment terminal and if the payment amount is less than 1000 rubles, it will pass without input pin, which should simplify the process of paying for purchases. In fact, this innovation was accompanied by many questions regarding the security of making purchases in this way, since such a simplification in some way facilitated the “activity of fraudsters”, because it is enough just to spend on the terminal and the money will be written off.
That is why the information security staff of the contactless payment system was met with a large share of skepticism and mistrust, since according to statistics, smartphones are lost in no less than wallets. You can discuss for a long time on the preservation of cash, but the fact that the main security guarantee is the adequate and competent use of the payment system and the smartphone itself by the user remains unshakable. Therefore, it would not be superfluous to say that if you constantly leave and lose your smartphone, then you should think a few times before you start using the type of payments in question. Returning directly to the topic of this article, it is necessary to clarify that not all mobile devices support Android Pay and the work needs support for three main criteria:
- Android 4.4 version KitKat or older;
- NFC module for contactless payments;
- card emulation (HCE).
According to official data from Google’s own developers, at the end of 2018, the technology under consideration supports the following banks and cards:
|Banks||Which cards are supported||Which cards are not supported|
|Sberbank||1) Supports all MasterCard cards except for MAESTRO cards|
2) Supports all VISA cards
|Alfa Bank||All debit and credit cards Visa and MasterCard|
|VTB||All debit and credit cards Visa and MasterCard|
|Russian Standard Bank||MasterCard Debit and Credit Cards||Visa, American Express and Diners Club cards, as well as prepaid MasterCard cards|
|Raiffeisenbank||Consumer debit and MasterCard and Visa credit cards; corporate cards and cards for small enterprises; cards issued with other companies||Special corporate Visa cards, intended only for use in ATMs; Visa Electron cards, WORLD cards|
|Bank opening"||Debit and credit cards Visa and MasterCard||Cards intended for use only in ATMs; gift cards of the issuing bank; cards of medical savings accounts; contingency savings account cards; non-prepaid cards|
|Roketbank||Debit cards MasterCard, intended for individuals, with cashback, interest on the balance and mobile application|
|Point||Corporate MasterCard and MasterCard Corporate cards for entrepreneurs, MasterCard debit cards|
|Agricultural Bank||MasterCard Instant Issue, MasterCard Standard, MasterCard Gold, MasterCard Platinum, MasterCard Premium Black Edition and MasterCard Premium World Elite Cards|
Visa Instant Issue Cards, Visa Classic, Visa Gold, Visa Platinum, Visa Signature, Visa Infinite
MasterCard cards, the number of which begins with the numbers 5364 09
|Yandex money||All MasterCard Cards|
|BINBANK||Debit and credit cards of MasterCard and Visa payment systems issued by PJSC BINBANK (including cards issued by PJSC MDM Bank) and BINBANK Digital JSC|
|Tinkoff||Debit and credit cards Visa and MasterCard|
|Promsvyazbank||credit and debit cards Visa and MasterCard|
|AK BARS Bank||Separate types of debit, credit cards and prepaid cards Visa and MasterCard||Cirrus / Maestro cards, Visa Electron cards and non-prepaid cards|
|MTS Bank||MTS cards Smart Money, MTS Money Contribution, MTS Money Weekend, Mastercard Standard, Mastercard Gold, Mastercard Platinum, Mastercard Black Edition, Visa Classic, Visa Gold, Visa Platinum and Visa Infinite||Gift cards, Maestro and Visa Electron cards, corporate cards and prepaid cards|
|Bank "Saint-Petersburg"||Mastercard Standard, Mastercard Gold, Mastercard Platinum, Mastercard World,|
Mastercard World Black Edition, Mastercard World Elite, Mastercard Unembossed, Mastercard Business
VISA Classic, VISA Gold, VISA Platinum, VISA Infinite, VISA Business,
VISA Classic Unembossed, VISA Electron
|Gazprombank||Mastercard Unembossed / Standard / Gold / Platinum / World Black Edition / World Elite;|
Mastercard Gazprombank - FC Zenit;
Mastercard Gazprombank - Gazprom Neft;
Mastercard Gazprombank - Ural Airlines;
Mastercard Gazprombank - Aeroflot;
Mastercard Gazprombank - Travel Miles;
Mastercard Gazprombank - Voentorg;
Mastercard Gazprombank - HC SKA;
Mastercard "Army of Russia";
Mastercard Gazprombank - Amur Holding Company .Visa Unembossed / Classic / Gold / Platinum / Infinite;
Visa Gazprombank Gazfond;
Visa Gazprombank Transaero;
Visa Gazprombank - Gazprom Neft;
Visa Gazprombank - Ural Airlines;
Visa Gazprombank - Aeroflot;
Visa Gazprombank - Travel Miles;
Visa Gazprombank - Voentorg
|Corporate, prepaid, virtual cards, as well as cards with a transport application|
|PJSC CB "Vostochny"||Visa debit and credit cards|
|AO UniCredit Bank||MasterCard Unembossed, MasterCard Standard, MasterCard Standard +, MasterCard Sticker PayPass, MasterCard Standard UEFA, MasterCard Gold, MasterCard Gold +, MasterCard Gold credit, MasterCard Platinum, MasterCard World credit, AutoCard MasterCard World, AutoCard MasterCard Black Edition, MasterCard Black Edition, MasterCard World Elite|
Visa Classic Unembossed, Visa Classic, Visa Classic +, Visa Gold, Visa Gold +, Visa Air, Visa Classic S7, Visa Gold S7, Visa Platinum S7, Visa Infinite, Visa Platinum, Visa Platinum +
|MasterCard Business, Visa Business, Visa Electron, Visa Virtuon|
|JSCB RosEvroBank (JSC)||VISA Classic|
VISA Classic PayWave
MasterCard Black Edition
|AB Devon-Credit (PJSC)||Visa debit and credit cards|
|Mail Bank||All credit, debit, prepaid VISA cards.||Corporate VISA cards|
|Credit Ural Bank||Visa debit and credit cards|
MasterCard Debit and Credit Cards
|Public Joint-Stock Company “Moscow Industrial Bank”||Mastercard and Visa credit and debit cards||Maestro, Visa Electron Cards|
|RNKO "Payment Center" (LLC)||Prepaid Mastercard Cards||Visa cards, Mastercard gift cards|
|Beeline Card||prepaid mastercard|
|Map Corn||prepaid mastercard|
|BANK "LEFT BANK" (PJSC)||debit and credit cards mastercard||Maestro cards, Visa cards|
|CB "KUBAN CREDIT" LLC||All Mastercard cards except Maestro, Visa except Electron||Cards Maestro, Electron, WORLD|
|JSC CB Khlynov||debit and credit cards mastercard||Maestro cards, Visa cards|
|PJSC "SOVKOMBANK"||debit and credit cards mastercard||Maestro cards, Visa cards|
|JSC CB "MODULBANK"||debit and credit cards mastercard||Maestro cards, Visa cards|
|OTP Bank||All Mastercard debit and credit cards issued under the brand OTP Bank (Russia) except Mastercard Electronic and Mastercard Corporate||All debit and credit cards Visa, as well as Mastercard Electronic and Mastercard Corporate, issued under the brand OTP Bank (Russia).|
|Public Joint Stock Company "Ural Bank for Reconstruction and Development" (PJSC CB "UBRD")||debit and credit cards Visa||mastercard debit and credit cards; Visa Virtuon|
|PJSC "Moscow Credit Bank"||Mastercard Standard debit and credit cards, Mastercard Gold debit and credit cards, Mastercard Platinum debit and credit cards, Mastercard World Black Edition debit and credit cards|
Visa Classic debit and credit cards, Visa Gold debit and credit cards,
Visa Platinum debit and credit cards,
Co-brand Visa Platinum ASC debit and credit cards,
Visa Infinite debit and credit cards.
|MasterCard Unembossed Debit Cards|
MasterCard Business Debit Cards Visa Virtual Debit Cards
Visa Business Debit Cards
|PJSC Chelyabinvestbank||Visa and Mastercard||Mastercard Virtual and Maestro cards|
|Bank Round LLC / MegaFon PJSC||Mastercard Cards||not applicable|
|LLC CB "AKSONBANK"||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|KREDPROMBANK JSC||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|JSC BANK "KKB"||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|INVESTMENT BANK "VESTA" (LLC)||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|JSCB MOSURALBANK (JSC)||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|LLC "KHAKASS MUNICIPAL BANK"||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|CB "ENERGOTRANSBANK" (JSC)||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|LLC CB "ARESBANK"||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|PJSC «NIKO-BANK»||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|PJSC SKB PRIMORYA "PRIMSOTSBANK"||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|JSC BANK “VENETS”||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|JSC BANK "NATIONAL STANDARD"||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|CJSC “VLADBUSINESSBANK”||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|"NAZINVESTPROMBANK" (JSC)||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|LLC "FIN BANK"||debit and credit cards mastercard||Cards maestro, VISA, WORLD|
|Joint-Stock Commercial Bank "Almazergienbank"||Credit and VISA payment cards||Cards served only in ATMs, gift and virtual cards, transportation cards and all MasterCard cards|
|PJSC Asia-Pacific Bank||Visa Infinit, Visa Classic, Visa Gold, Visa Platinum cards, Visa Revords||Cards Visa Electron, Visa Business Gold, Visa Business Platinum|
|Bank Union (JSC)||Credit and Debit Mastercard Cards||Cards Visa and MIR|
|LLC “ZEMSK BANK”||All MasterCards except Maestro||Cards Maestro, Visa, WORLD|
|JAY AND TI BANK (JSC)||All MasterCards except Maestro||Cards Maestro, Visa, WORLD|
|JSC NS Bank||All MasterCards except Maestro||Cards Maestro, Visa, WORLD|
|Joint-Stock Company Bank Agroros||Cards of Classic and Platinum products of Visa payment system|
|Russian Joint-Stock Commercial Road Bank (public joint-stock company)||Cards of Classic and Gold products of Visa payment system|
|SDM-Bank (public joint stock company)||Debit cards Visa Classic, Debit cards Visa Gold, Debit cards Visa Platinum, Debit cards Visa Infinite||Debit cards Visa Electron, All debit cards, MasterCard payment system|
|TATSOTSBANK JSC||All MasterCard Cards||Visa cards|
|PJSC "SKB-Bank"||MasterCard Cards with Registered|
phone number for SMS
|All cards other than MasterCard.|
|Avant-garde||All Visa debit and credit cards, except Visa Electron; All Mastercard debit and credit cards except Maestro and Mastercard Prepaid||Visa Electron, Maestro, Mastercard Prepaid|
|LLC Commercial Bank "Russian Mortgage Bank"||Mastercard Debit and Credit Cards||Mastercard Standard debit and credit cards, Mastercard Platinum debit and credit cards|
|CJSC Bank Vologzhanin||Mastercard Debit and Credit Cards||Mastercard Gold debit and credit cards, Mastercard Platinum debit and credit cards|
|PJSC Bank ZENIT||Mastercard Debit and Credit Cards||Cards Visa, UnionPay, WORLD|
|LLC "HCF Bank"||Mastercard Debit and Credit Cards||Business cards|
|TATSOTSBANK JSC||All MasterCard cards of TATSOTSBANK JSC||Visa Cards of TATSOTSBANK JSC|
|PJSC "SKB-Bank"||MasterCard Cards with Registered|
phone number for SMS
|All cards other than MasterCard.|
|Bank Agroros JSC||Debit Mastercard Cards||All cards other than MasterCard|
|Russian Joint-Stock Commercial Road Bank (public joint-stock company)||Debit Mastercard Cards||All cards other than MasterCard|
|Joint stock company "United Reserve Bank"||Debit Mastercard Cards||All cards other than MasterCard|
|Joint-Stock Commercial Bank Transstroybank (Joint-Stock Company)||Mastercard Debit and Credit Cards||All cards other than MasterCard|
|JSCB "Belgorodsotsbank"||Mastercard Debit and Credit Cards||All cards other than MasterCard|
|PJSC Stavropolpromstroybank||Mastercard Debit and Credit Cards||All cards other than MasterCard|
As can be seen from the table above, the representation of financial organizations is quite diverse and, apart from giant banks, such as Sberbank and VTB, there are also less popular regional structures, which made it possible to expand the territorial user borders throughout the Russian Federation.
How to install and configure
Such a territorial girth should be accompanied by a simple installation and configuration procedure, since the smartphone on the Android operating system is available to the vast majority of the inhabitants of our vast country, and indeed the whole world. In order to install the application, you need to visit the Google Play store and download the application under the name “Google Pay” already announced above. To date, the application in question already has more than 100, 000, 000 downloads, with the average score being quite high at 4.3. After downloading, installing and confirming the security of the received application, you will need to do the following to configure and integrate payment cards:
- The system will automatically offer to add "BC" for this you need to select "Add card";
- The application is able to recognize the data of a plastic carrier from a photo or its details can be added in manual mode;
- For manual entry, you need to specify the card number, expiration date and CVC code, which can be found on the back of the plastic carrier, as well as other personal information;
- With similar manipulations add all the necessary details of payment or bonus cards, yes, the application allows you to work not only with the banking sector, which is extremely convenient, since many have dozens of bonus / gift cards and it is always extremely inconvenient to carry them with you.
So, as can be seen from the above steps, there is nothing difficult in the setup procedure, Google has maximally simplified the interface of its product and has partially automated it.
How to pay
The payment process, as previously mentioned, is simplified to indecency. All that is required of the user is to unlock the screen and bring the smartphone with the back cover to the payment terminal, without even opening the application itself, and waiting for confirmation of the debit. The only thing that may in some way complicate the purchase is the possible requirements of the store to enter the appropriate pin-code or personal signature on the bank check. Similar to the complexity of the process of making purchases in online stores, but there is one key condition that is found in Russian-language stores quite rarely - this is the integration of the payment system under consideration on the site, which should be done directly by the site administration. In the Russian Federation there are only a few dozen of such sites, among which Ozon, Lamoda and S7 Airlines can be distinguished.
Is it safe
The controversy over whether it is safe to “keep all eggs in one basket” never subside, it’s enough to recall the extremely bad experience with UEC, which they tried to introduce to the masses on a large scale, but only came up with the fact that most of the declared functions and capabilities were simply nowhere to use . At the first stages of launching contactless payments in the Russian Federation, this problem arose, since there are very few terminals equipped with this function, which cannot be said about the end of 2018. The main question that every potential user of “Google Pay” should ask themselves, as well as other similar services, is “How will my funds be protected?”.
The general meaning of personal data protection technology in these systems is quite simple and straightforward. It lies in the fact that for each transaction a unique character code is formed, better known under the name “token”, which is used during the operation, while hiding the personal data of the buyer. These tokens are pre-formed and assigned automatically when connected to servers, and real data is encrypted and stored on Google servers and used by them only when directly forming the mentioned tokens. You also need to understand that the second protective wall is unlocking the screen, which in most cases is accompanied by a fingerprint scanner, graphic code or pin-code. These are mandatory conditions for using this application, since when you disable the Google Pay screen lock protection, it will simply erase all payment data, considering it as an unauthorized intervention attempt.
Summarizing the consideration of the issue of security quality, it is worth noting that your money is protected as much as you yourself realize it. That is, if you leave a mobile device unattended in public places or access to it is available to several persons, then no password protection (and fingerprint scanner or face id) will not guarantee your financial security, despite the fact that the developers all the most modern and effective means of protection. It is necessary to think about this and it must be taken into account.
Of course, the specifics of this software raises a number of different questions, since problems and mistakes happen, and no one is protected from it. Below are some of the most frequently asked questions that put some users in a difficult position, namely:
- “Is internet connection required?”. The answer is no. Despite the fact that previously it was mentioned about the automatic formation of tokens, they are formed in advance. Therefore, an internet connection is optional.
- "Added bank card details, but they disappeared when the application was restarted." It is likely that the reason lies in the disabled screen unlock protection, that is, to gain access to a mobile device, just press the button and you do not need to enter a password, confirm credentials with a fingerprint, etc. And the automatic removal of details is included in the announced funds ensuring the safety of personal data.
- "I lost my smartphone, what should I do now?" This situation, of course, can not be called pleasant, but you should not panic. If you are authorized in Google services, to remotely block and erase all information stored on your smartphone, just visit the Find My Device website - //www.google.com/android/find and enter your username and password from your account. The service will automatically search for the last location of the mobile device. You will need to choose exactly how to prevent the compromise of personal information.
- "Network error, request not processed." If your smartphone meets the requirements given at the beginning of the article and this error occurs, then there may be some suspicious software in the operating system, for example, software has been installed to get root-rights. In addition, Google Pay will refuse to work if you have previously unlocked the bootloader. There are ways to neutralize these "suspicions", but this is a completely different story.
- "How to make a refund?" Such situations are not rare, but difficulties may arise. From your side, that is, from the side of the buyer, it is required to contact the cashier with this issue and provide information on when the purchase was made. To do this, open the application, select the media with which the write-off was carried out, and look at the history of operations. It will only be necessary to attach the smartphone to the terminal for the design of the return, since all the preparatory procedures are imposed on the seller.
Резюмируя, «Google Pay» — это действительно качественный сервис, который с успехом навязывает конкурентную борьбу компаниям «Apple» и «Samsung». Безусловно, и так объёмный список представительства будет пополняться различными финансовыми организациями и интернет-магазинами, что только подстёгивает данные учреждения к развитию и поддержанию соответствующего уровня информационной актуальности. Итог: есть куда расти, но уже и есть что предложить.