Plastic cards have long been part of our lives.Small, convenient payment instrument that is accepted almost anywhere in the world.Also very safe.We must always remember a pin code and ensure that the card has not been lost, otherwise attackers CVV and learn, for example, pay for purchases in the online store.But there is an alternative solution - PayPass.What is it and how to use this tool, you will learn from this article.
Determination
PayPass - this contactless technology payments by bank cards MasterCard.In order to pay enough to make a card with a microprocessor to the terminal.This is technology PayPass.In fact, the card is a chip with an antenna.In Taiwan, the USA, Spain and Turkey, the microprocessor embedded in the MasterCard PayPass watches, mobile phones and other items that a person carries with him every day.
This secure payment system lets you simply, quickly and securely make small purchases.Now, during the payment there is no need to suffer with cuts, spending card through the terminal, to sign checks.User can just touch a special terminal.PayPass technology is very useful in the field of trade in goods with low cost and high frequency transactions.But its wide development in the future is necessary to strengthen the safety of operations.
history of
In 2003, MasterCard has been testing the use of 9 months of contactless technology in Orlando, Florida.At 60 different points users paid 16 thousand cards.In parallel the company worked through its compatibility with Nokia, JPMorgan, AT & amp; T for the introduction of PayPass into mobile phones.In 2008 it was released the 50 million unit.At this point, 77% of users used the contactless technology as the primary means of payment.By 2010, PayPass was launched in Bulgaria and Slovakia, in the hands of users were 75 million cards, which took 230 thousand terminals.According to the company's financial statements for the year 2012, production volume increased by 50% due to growth in the number of users throughout Europe.Today PayPass cards emit Sberbank of Russia and in Ukraine, Privat.
not yet discovered the potential of PayPass
What does it mean?Contactless transactions are beneficial to all market participants: consumers, traders and banks.Financial institutions provide their customers with more ways to pay, issuers - an increase loyalty account holders to card programs.This technology can complement any credit, debit, and other co-branding program.
Trade Organization, in which the terminal is installed PayPass, can serve their customers at a higher level.Reducing the number of operations accelerates the process of cash management services and ensures higher efficiency.The first major company, which was to use MasterCard PayPass, - is McDonald's.Soon, interest in the new technology came at the players and golfers.The contactless system is now used in the turnstiles, vending machines, etc.
PayPass: where taken and released in Russia
first contactless payments in the Russian Federation was held 09.09.08 at Moscow restaurant "Five Star".First PayPass cards was issued Industrial Bank in 2010.For students and teachers is planned to issue a separate edition cards.They can be used not only for its intended purpose, but also as a record book and studbilet.
Since 2011 card with a magnetic stripe and a microchip releases "Raiffeisenbank".Its free give customers within the package "Premium".But for must have a minimum balance of 2 million rubles.or 1 million, if in a month will be spending more than 25 thousand. rub.Customers who do not comply with this condition will be a monthly pay 3000 rubles.
analogues in the world
Contactless technologies exist in the system, Visa.PayWare - analogue PayPass.What does it mean?Visa and JCB Co.Ltd.signed an agreement on the adoption of MasterCard's development as a single protocol, ie all contactless technology will be tested at the same circuit, ensuring the compatibility of all brands.
main advantages of contactless payment:
- modern method of calculation;
- universal means of payment - a bank card can be used not only on new devices, but also in numerous ATMs and POS terminals;
- long life;
- high rate of payment;
- protection from fraud.
But there is one big drawback - the lack of infrastructure, the cost of which is so large that neither banks nor commercial companies are in no hurry to invest in it.In the UK for 3 years we installed terminals in only 10% of stores.
PayPass: how to use
Due to the special chip contactless card payments can be made small without authentication holder.Such transactions are limited to $ 15 in the US, PLN 50 in Poland, 10 pounds in the UK, 1,000 rubles - in Rosiii.Operations on large sums would have to confirm the signature of a check or by entering PIN-code.But not all banks is allowed.For example, in Germany and Austria in the case of exceeding the limit will have to pay to carry conventional contact method.
MasterCard launches debit and credit PayPass.How to use the contactless chip?
After each transaction amount is deducted from your bank or account.Since the non-contact communication, the cards can be used instead of the key with a label RFID, NFC and smart with t. D. Goods can be paid only in shops with the logo PayWave Visa, PayPass.The terminal confirms the procedure of reading a beep.The user does not have to pass the card in the wrong hands, enter PIN-code, sign the check.It is enough to bring to the terminal with a wallet card.Inside there should be other plastic chip carriers.In Germany, they are installed and identity cards.
Security
contactless transactions significantly reduce the time.But security gives users a lot of questions.The RFID chip can be partially remotely clone card at a distance of 2 cm. This fact casts doubt on the full non-contact use.
PayPass prevents direct reading with RFID.The chip contains information about the number and expiration date of the card, and this is not enough to conduct online transactions.For each operation, a one-time code is generated.If we assume it until the use of the card, you can create its clone.The first application will be approved duplicate code, and repeated the original lead to the blocking of the two carriers.Given the low limits of operations, cloning cards unprofitable.
produce many operations of the mobile terminal will not turn.In areas with a large population of data on such operations must come to an authorized center to unauthorized outsiders were unable to use the card.Such systems analyze each generated code and test it on a duplicate.For complete information protection to screen a map, for example, wrap it in foil.
Where to use technology MasterCard Mobile PayPass
in Moscow, St. Petersburg and other major Russian cities "contactless" a lot of points: supermarkets, cafes, restaurants, pharmacies, gas stations, beauty salons and similar establishments.In addition, some organizations hold events for technology users PayPass.For example, in the northern capital until the end of February to pay the order in your favorite coffee shop with your smart phone, you can get coffee for free.
Headlines
Petersburg Metro since January 2015 began to accept contactless payments at all turnstiles.With a payment card is debited an amount equal to the fare tariff.To carry out a transaction can only tables left luggage turnstile.To pay enough to bring the card to a yellow circle.Upon completion of the transaction at the turnstile turns blue.
means of payment may also make watches Watch2Pay - the product of the bank "Ak Bars".Only in Kazan number of pre-orders were more than a thousand.The retail price of the product - 3000 rubles.Russian Federation.Plastic Clock in several versions (white, black, red, blue) have considerable thickness.Also clockwork Seiko Epson them there is also a slot for a SIM-card.It includes classical contactless card.To activate the clock, you need to send a SMS with their card number.
in the summer of 2014. You can use a smartphone with NFC, to pay for public transport.To do this, the operator need to obtain a special SIM-card with pre-transport applications.For payment you need to bring the phone to the validator, which is the conductor.In the underground they are installed in the turnstiles.In Kazan, the clock can be used as a pass in the IT-park.To do this, at the entrances to sports facilities were mounted Control Terminals - infomats.In Tatarstan, more than 150 pieces.
Summary
cards have appeared worthy replacement - PayPass.What it is?Contactless technology, which uses during the payment device with a chip and an antenna.To confirm the payment does not need to enter a PIN or sign the checks.It is enough to touch the card to a special terminal.The limit for operations is limited to the issuing bank, but Russia does not exceed 1000 rubles.Use technology can not only through the card.Not so long ago there were hours Watch2Pay the same chip for 3000 rubles.In addition, NFC-enabled smartphones can pay for public transport.But it will have to purchase a SIM card with a special pre-application.The full development of the technology hampered by the lack of infrastructure in small towns.
