Mobile payments are quick and easy.
I've bet you've heard that one plenty of times before but this is different.
It's called Samsung Pay and it's available now in the U.S., following a launch in South Korea.
Samsung pay works at virtually all retailers from high-end boutiques like Heidi Says or food retailers like Noah's Bagels.
So it works with a couple of different technologies.
There's NFC [UNKNOWN] like Apple and Android Pay and MST or Magnetic Secure Transmission.
This is where the phone emits a magnetic signal that simulates the strip on a A credit or a debit card.
And it means it's backwards compatible with almost all existing payment terminals, no upgrade required.
I've used Samsung Pay for more than two weeks now and it works just about everywhere.
I even bought something from the Apple store.
I visited ten shops in the West San Fransisco Center.
From the food court, to Bloomingdale's, and even a vending machine.
In fact, the only real problem I had, was convincing sales assistant's that it was going to work.
But there are a few catches.
Samsung Pay only works with four high-end Samsung Galaxy handsets right now, and you have to be on one of these major carriers.
Verizon isn't one of them.
And your card needs to be issued by Bank of America, U.S. Bank, or Citi.
Like many other mobile payment systems, Samsung Pay uses tokenization to keep transactions secure.
First up it generates a 16 digit virtual card number that's stored on the device.
Not your actual card number.
And then every time you make a transaction, it generates a one time cryptogram from the phone's encryption key.
It sends both of those pieces of information to the terminal to make the payment.
Payments also need to be authorized either by a fingerprint or a PIN As you can see, it's pretty easy to shop till you drop with Samsung Pay because it works on NFC terminals, it works on EMV or chip card readers as well as the traditional magnetic stripe readers.
For more on Samsung Pay, check out CNET.com.
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