The Korean group presented Sunday at the Barcelona Mobile Fair, its latest model in two versions, the Galaxy and Galaxy S6 S6 edge at the curved screen on both sides. It embeds a mobile payment solution to compete with Apple Pay
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Mobile payment could well have found its standard and finally take off this year, across the Atlantic at least. In the wake of Apple Pay with Apple, Samsung has announced Sunday night that its two new smartphones, the Galaxy S6 and S6 Edge version to the curved screen on both sides, as they would integrate a payment solution that will initially deployed in the United States and Korea. And, as suggested by the name of this new e-wallet, Samsung Pay was designed on the same model that Apple Pay. The war between smartphone manufacturers will play longer on the design, screen size or quality of the camera, but more and more on-board services.
The mobile world number one has reached agreements with banks, which will take charge of enlisting their customers in Samsung Pay, and with major international networks, Visa and Mastercard, which will ensure the processing of payment flows and securing them through their system of “tokenization”. The “tokens” or tokens are issued for each transaction, so that the data of the customer’s credit card no longer circulate otherwise than in an encrypted form and therefore less easy to defraud. Like Apple Pay, Pay Samsung also benefit from the biometric of the holder, with the fingerprint sensor that was already present on the Galaxy S5.
A similar operation to that of the Apple Pay
In its operation, Samsung Pay will also be very similar to the “wallet” of the Cupertino company. It thus use the NFC contactless technology (“Near Field Communication”), which allows the smartphone to communicate with a payment terminal (TPE) properly equipped. However, the Korean manufacturer has an advantage over Apple: Samsung Pay will also run on the SOHO who only read the magnetic stripe of the card, that is to say, the overwhelming majority of TPE in the US today. Besides the NFC, the Galaxy S6 integrate indeed the technology of LoopPay company recently acquired not Samsung. This technology allows the phone to communicate directly with the reader magnetic stripe present in the TPE.
Given the success of Apple Pay from owners of an iPhone 6 (of the nearly 700 US partner banks, Bank of America and JP Morgan claimed in January alone, respectively, 800,000 and 1 million openings wallet), the launch of Samsung Pay can only widen the mobile payment market side users.
Extend the acceptance of mobile payment network
Especially since Google has also decided to put the cover on the subject. He announced last week an agreement with three of the four major US telecom carriers (ATT, Verizon and T-Mobile) to preinstall its electronic wallet solution Google Wallet on Android smartphones they sell. The agreement also includes the acquisition by the California group of technologies and patents of the softcard company specializing in mobile payment, created by the three operators in question. What better functioning of Google Wallet, which is struggling to convince since its launch in 2011, and help democratization.
The almost simultaneous arrival of new mobile payment solutions in three global leaders in high-tech is a sign that does not deceive. “ more actors grow in the same direction, there is more chance that uses change ,” says Olivier Sampieri, partner at Boston Consulting Group. In fact, and this is currently the only difficulty Apple to grow faster, only a frank and massive adoption of mobile payments by consumers will push traders, yet sufficiently numerous to accept this new means of payment.
Ninon Renaud nrenaud@lesechos.fr With R. G.
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