04-03-2016 06:49 PM
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  1. mcdonsco's Avatar
    It's been super convenient for me, I like it. When I'm in a check out line at a store my phone is pretty much always in my hand already anyway, so no need to go for wallet.

    As for holding it up to the reader, it could be faster, does take a couple seconds to register, but we're talking like 2, seriously, not bad.
    TechGod2014 likes this.
    03-22-2016 09:39 AM
  2. RockyMin's Avatar
    Happened to me yesterday at a coffee shop. The error message gave some strange reason about the characters used or something, after the transaction appeared to go through initially.
    Did it work the next time you tried it? Think I'll give it another try at lunch. It works at McDonald's right?
    03-22-2016 09:46 AM
  3. Knowledge10111's Avatar
    If the card number created by phone is linked to actual card for returns then why isn't that virtual number just as easily used for fraud as the card number? What about hackers? Can they intercept signal?
    No because the number is linked internally with the credit card bank. When you make a return on a different number the return is routed to the bank and if the bank confirms the account # is linked to the same account you will be able to make the return. The thing is with this virtual number it can ONLY be used to PURCHASE with the phone and your fingerprint. So it won't work any other way and even if someone was able to hack a phone and "copy" the encrypted data it would not work as the bank has only authorized your phone's IMEI to work with the card.
    03-22-2016 10:12 AM
  4. moysauce's Avatar
    These companies got it all wrong. They need to figure out a way to use there phone EVERYWHERE to pay. These devices CANNOT be used at gas stations or ATMs. How are these things supposed to replace our Credit cards?

    The samsung pay technology is great but i still had a few stores (Starbucks at Target for example) that didn't know how to handle the payment.
    03-22-2016 10:15 AM
  5. Knowledge10111's Avatar
    These companies got it all wrong. They need to figure out a way to use there phone EVERYWHERE to pay. These devices CANNOT be used at gas stations or ATMs. How are these things supposed to replace our Credit cards?

    The samsung pay technology is great but i still had a few stores (Starbucks at Target for example) that didn't know how to handle the payment.
    If you can do better why don't you invent something? If behemoths like Apple and Samsung haven't found a solution yet that is telling that there is no real solution to be found at the moment...MST + NFC is the next best thing...The problem is not the technology. The problem is the retailers lack of willing to SWITCH OVER to the technology.
    03-22-2016 10:20 AM
  6. erasat's Avatar
    I think it's time to post a link on a How does it works article... This is just 1 of many articles explaining how it works and how secure it is.

    Here it's an extract of it:

    "Samsung Pay: How secure is it?
    In terms of security, Samsung told Pocket-lint that not only are details protected by Samsung's Knox real-time hacking surveillance and rooting prevention, but no card details are stored on either a Samsung server or the device itself.
    Just like Apple Pay, Samsung Pay uses tokenisation. Card payments are made secure by creating a number or token that replaces your card details. This token is stored within a secure element chip on your device, and when a payment is initiated, the token is passed to the retailer or merchant. The retailer therefore never has direct access to your card details.
    In addition Samsung Pay offers ARM TrustZone to further protect transaction information from attacks."

    Read the full article below:
    Samsung Pay: What is it, how does it work, when is it coming to the UK? - Pocket-lint
    recDNA and Mike-Mike like this.
    03-22-2016 10:22 AM
  7. Cowamj04's Avatar
    For the record, you can use Samsung Pay at a gas pump. While holding up your phone, slide your drivers license in and out to activate, then Samsung Pay will register as the credit card. This also works anywhere else these types of readers. Our lunchroom at work has this type of card reader, and this method worked fine.
    TechGod2014 likes this.
    03-22-2016 10:31 AM
  8. Cowamj04's Avatar
    I use it mainly for the token. I feel better not having my cc number floating around, waiting for someone to hack a store.
    03-22-2016 10:33 AM
  9. recDNA's Avatar
    I would like the store to have to see a picture of card holder at time of purchase. I understand some credit cards have them now. In the mean time I will use my chip card as intended simply because it saves me the trouble of pulling out a phone and fumbling with a fingerprint. The card is smaller and lighter to pull out than my big phone. Everyone is different. I don't want my phone surgically implanted to my hand.
    ktabel01 likes this.
    03-22-2016 11:12 AM
  10. Almeuit's Avatar
    I would like the store to have to see a picture of card holder at time of purchase.
    I don't care about this since I haven't been asked for my ID for using a CC in .. years and years lol.
    03-22-2016 11:17 AM
  11. recDNA's Avatar
    I don't care about this since I haven't been asked for my ID for using a CC in .. years and years lol.
    True. Wish they would. Maybe if it only involved looking at your face they might.
    03-22-2016 11:18 AM
  12. RockyMin's Avatar
    Did it work the next time you tried it? Think I'll give it another try at lunch. It works at McDonald's right?
    So I tried it at McDonald's and it worked fine. It's pretty neat actually. I'm going to try to use this more often.
    03-22-2016 12:23 PM
  13. Knowledge10111's Avatar
    I would like the store to have to see a picture of card holder at time of purchase. I understand some credit cards have them now. In the mean time I will use my chip card as intended simply because it saves me the trouble of pulling out a phone and fumbling with a fingerprint. The card is smaller and lighter to pull out than my big phone. Everyone is different. I don't want my phone surgically implanted to my hand.
    Actually this is a common misconception. All card issuers (especially Amex) specifically state that you do NOT need an ID to buy with their cards. All of them have forms where you can report retailers if they ask for your ID. The only thing they are legally required to do is match your signature to the signature on the back of the card. This is why Samsung Pay asks you to sign the card when you enroll it in the phone. Legally speaking they can't check for ID even though many do.


    DFI: Credit Card Signature All The ID Needed

    "When you pay for merchandise with a Visa card, MasterCard, or American Express any store that accepts these cards should accept yours too, no questions asked. It's part of the deal that merchants agree to when they become participating members.

    They must check your signature and the card - electronically or by telephone - to be sure it's valid. Once the answer comes up yes, they can go ahead and charge. They can't ask you for any further identification - not a license plate number, Social Security number, proof of address, phone number or picture ID.

    Your personal ID isn't needed because Visa, MasterCard, and American Express all guarantee payment on cards that have been properly checked. If the issuer mistakenly authorizes a sale on a bad card, it should make good. MasterCard says that merchants receive instant settlement.

    Unfortunately, not all merchants play by the rules. Some, apparently, haven't read them.

    In one case, a MasterCard was used to purchase gas. Both the clerk and the manager insisted on taking the man's license plate number, even though he told them it wasn't necessary. When the man wrote to the MasterCard complaining about the incident, he got a letter back suggesting that the merchant was within his rights. "It is the merchant's choice to verify or not verify the card holder." the executive specialist wrote.

    WRONG, WRONG, WRONG, says a spokesman for MasterCard headquarters in New York. The contract that MasterCard merchants sign specifically prevents them from asking for personal ID.

    The card holder's signature on the back of the card is the only ID necessary - even if the merchant has some reason to be suspicious. "Basically, this clerk was hassling this card holder," the representative said.

    You can be asked for ID only if you proffer a card that isn't signed on the back. Then the merchant can ask for identification and require you to sign the card immediately.

    A merchant can ask for your address when you order by telephone. There it's used to authorize the card, absent a signature."

    Can retailers ask for ID with your credit card?
    03-22-2016 12:27 PM
  14. RockyMin's Avatar
    Actually this is a common misconception. All card issuers (especially Amex) specifically state that you do NOT need an ID to buy with their cards. All of them have forms where you can report retailers if they ask for your ID. The only thing they are legally required to do is match your signature to the signature on the back of the card. This is why Samsung Pay asks you to sign the card when you enroll it in the phone. Legally speaking they can't check for ID even though many do.
    You know, I can't remember the last time any clerk checked the signature when I use my card. Though, the card I use is both a debit and a credit card, and I mostly use it as a debit card. But the times I've used credit, I've just signed the paper and the clerk never checked the signature on my card or even asked for it.
    03-22-2016 02:03 PM
  15. Knowledge10111's Avatar
    You know, I can't remember the last time any clerk checked the signature when I use my card. Though, the card I use is both a debit and a credit card, and I mostly use it as a debit card. But the times I've used credit, I've just signed the paper and the clerk never checked the signature on my card or even asked for it.
    Yup...its a horrible system because signatures are so useless nowadays. We really need to move to pins like the rest of the world but banks don't want to because it slows down the transaction and people more likely to forget their pins, hence less business for the banks. People don't check signatures and just check IDs which in my opinion is safer, but banks don't like it because it defeats the speed of credit cards...
    03-22-2016 02:06 PM
  16. RockyMin's Avatar
    Yup...its a horrible system because signatures are so useless nowadays. We really need to move to pins like the rest of the world but banks don't want to because it slows down the transaction and people more likely to forget their pins, hence less business for the banks. People don't check signatures and just check IDs which in my opinion is safer, but banks don't like it because it defeats the speed of credit cards...
    Yup, signatures are becoming useless. Did you know the schools don't even teach cursive writing anymore? At least the school system here doesn't. So future generations won't even know how to write their signature. I wonder if it has anything to do with how easy it is to forge signatures these days.
    03-22-2016 02:19 PM
  17. Knowledge10111's Avatar
    Yup, signatures are becoming useless. Did you know the schools don't even teach cursive writing anymore? At least the school system here doesn't. So future generations won't even know how to write their signature. I wonder if it has anything to do with how easy it is to forge signatures these days.
    Ha, crazy!
    03-22-2016 02:22 PM
  18. MasterRy88's Avatar
    Yup, signatures are becoming useless. Did you know the schools don't even teach cursive writing anymore? At least the school system here doesn't. So future generations won't even know how to write their signature. I wonder if it has anything to do with how easy it is to forge signatures these days.
    Haha I get what you are saying, but my signature has no resemblance to cursive writing, it is in fact illegible and only recognizable by me, which is what really matters if you are disputing fraud for someone signing for something of yours.

    You know, I can't remember the last time any clerk checked the signature when I use my card. Though, the card I use is both a debit and a credit card, and I mostly use it as a debit card. But the times I've used credit, I've just signed the paper and the clerk never checked the signature on my card or even asked for it.
    I can honestly say for the last 4+ years I have never even signed the back of my credit or debit cards, and never once has anyone asked to look at it. I have however been asked to see my ID a few times.
    03-22-2016 03:08 PM
  19. Bob Kleiber's Avatar
    Samsung Pay doesn't work at Starbucks because Starbucks won't allow it. They want you to use their payment system. Within their rights but really lame!
    03-22-2016 03:13 PM
  20. anoiel1220's Avatar
    I've used it at Starbucks with no problems even as they were telling me it won't work
    jrdfox likes this.
    03-22-2016 03:59 PM
  21. TechGod2014's Avatar

    I can honestly say for the last 4+ years I have never even signed the back of my credit or debit cards, and never once has anyone asked to look at it. I have however been asked to see my ID a few times.
    Wow. That's crazy. I never sign my cards, but I always write with a Sharpie on the back to "Ask 4 ID" you would be surprised how few times I get asked for my ID. Crazy.
    03-22-2016 10:17 PM
  22. TechGod2014's Avatar
    I've used it at Starbucks with no problems even as they were telling me it won't work
    Same here. So many people get it confused with Apple pay. And some get upset when they say "that doesn't work here" and it does. Lmao. I love it!
    03-22-2016 10:21 PM
  23. Samuel Orris's Avatar
    I also use Samsung Pay. It's pretty good.
    03-23-2016 03:22 AM
  24. Notmyj's Avatar
    These companies got it all wrong. They need to figure out a way to use there phone EVERYWHERE to pay. These devices CANNOT be used at gas stations or ATMs. How are these things supposed to replace our Credit cards?

    The samsung pay technology is great but i still had a few stores (Starbucks at Target for example) that didn't know how to handle the payment.
    See my post on the top of page 3. Samsung pay most certainly works at gas pumps and starbucks. This is NOT apple pay or NFC.
    03-23-2016 06:55 AM
  25. BBSeattle's Avatar
    Some people think smart phones are a novelty.....
    03-23-2016 08:11 AM
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