Friday, March 6, 2015

Payment of war: what is the difference between Apple Pay, Samsung Pay and Android Pay? – Telekomza

«Food King »Google, senior vice president Sundar peak (Sundar Pichai), at a conference MWC officially confirmed rumors that his company is working on an API for mobile payments called Android Pay. Thus, for three technology giants are working on similar payment systems, which are even said to be almost the same. Now we have Apple Pay, Samsung Pay and Android Pay.

However, despite the name, there are differences between them, and sometimes essential. Here are the basic facts you need to know the consumer to not get lost in these “peyah».

Apple Pay Samsung Pay and have the same goal, but work in different places

 Apple Pay
Apple Pay

Apple Pay and Samsung Pay intended for the purchase of goods in physical stores using the phone. Apple Pay only works on the latest iPhone models and only in retail outlets equipped with technology NFC (short-range radio). In the US, Apple Pay currently support about 200 thousand. Points.

Samsung Pay also only works with the latest Galaxy S6. However, the implementation of the Korean system not only supports NFC, but MST – technology that allows smartphone mimic a regular bank card. Smartphone is enough to bring a standard card reader, and the payment will be carried out.

 Samsung Pay
Samsung Pay

Samsung achieved this thanks to the recent purchase of the company LoopPay. Since credit cards and terminals are more common than NFC, Samsung Pay easier to implement, and in theory it can get bólshee spread than Apple counterpart. Koreans say that the technical capability to support Samsung Pay is at 30 million. Retail outlets around the world.

Also at Apple Pay and Samsung Pay no significant difference. By and large, Samsung decided to copy the American system, at the same time a little to improve it (at the expense of bank card terminals). Apple Pay running since October last year, Samsung Pay will work this summer. Both systems can be used to identify the buyer fingerprint scanner built into the smart phone. Neither Apple, nor Samsung will have no information on that person bought and how much to pay.

Android Pay – not a product, but a platform

Google with 2011 promotes its own mobile wallet Google Wallet, which can be used for shopping in physical stores through NFC, which is about the same as in Apple Pay and Samsung Pay.

 Google Wallet
Google Wallet

However, Google Wallet and Android Pay – not the same thing. The essential difference from the Android Pay and Google Wallet, and from the Apple / Samsung Pay is that it is not a product, but a platform – a layer API, built-in Android, which can run on top of other applications. With the help of these API, you can make mobile payments from any application, not only in physical stores, but also online. One such application will be Google Wallet, which will also support Android Pay.

For this reason, Android Pay is not a direct competitor to Samsung Pay and Apple Pay, and not a clone of Apple Pay in the same sense, how it is Samsung Pay. On the MWC Sandar peak even expressed the hope that Android Pay and Samsung Pay will be able to work together, as well as Android Pay and Google Wallet – as an API and application respectively. Android Pay is a more democratic approach, because it allows developers to create custom applications and is not limited by only one official.

In Google is now making great efforts for the success of Android Pay, because it will help billions of Android users to pay for that anything. Peak especially singled out China and India as a country where developers can create “innovative services” based on Android Pay.

In Android Pay there is another difference from the Apple / Samsung Pay: thanks to the deep integration of Android Pay the operating system Google will “see” each transaction the buyer. Consequently, it will be able to use this information in advertising. But this is only a theory. We do not know for sure how Google will manage this information.





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