New commercial is asinine.

[clukas]

That doesn't seem like that is the one he was describing.

Yeah, I now. I liked the ad and thought I might share it.

this

The problem is, how many ways are there to advertise a NFC based payment solution. The advert is very similar to Apples but it advertises a function. Paying by tapping your device. You could also say that all car commercials are the same, as they often feature a nice car driving through some exciting terrain. It doesn't mean that one commercial is copied from another one. The advert is also a little deceiving in my opinion, as Pay should work with any NFC enabled terminal, even if this is not officially supported.

 

[Zwhaler]

Asinine is not the right word here. It shows a fact of one technology versus the other, how is that asinine?

 

[xienze]

They have a legitimate differentiating technology. It's fair to point out that their main competitor doesn't have that same tech. That said, unless you understand what's happening the viewer doesn't necessarily make the connection that the iPhone can't do magnetic contactless payments. Instead the conclusion is drawn that Samsung Pay is contactless and the iPhone doesn't work. It could be more clear, but I don't have any real problem with the advert.

 

[Surf Donkey]

The technology isn't pure retardation. It is the way they go about advertising their sh*tty products. They just have to include an iPhone in their ad and mock it.

Yeah well Apple is top dog. People aren't just going to leave Apple when they make damn good products and their ecosystem is awesome. Samsung has to show why they are different an give reasons to leave. So they do kind of have to show the differences in their commercials.

I think apple fans are still butthurt over the old galaxy commercials directly making fun of apple users. Those were stupid and offputting to many. Horrible marketing decision. This is just showing that they can do something that apple can't. I don't see that as "mocking it".

 

[D.T.]

You're right. They bought LoopPay which developed the technology, and it is pretty cool.

https://www.looppay.com/faqs/

That said, NFC is clearly the future and this MST (Magnetic Secure Transmission) technology is just a stopgap measure that allows new phones to work with old payment terminals. The description above even sounds archaic, right? The phone generates a magnetic field to fake-out an older magnetic credit card reader into thinking a card is being swiped.

There are also some limitations to MST - any terminal that requires a physical trigger to activate the magnetic reader won't work with MST. Gas stations are the most common, and many older credit card swiping terminals.

So, LoopPay is pretty cool, and it was definitely a good move by Samsung to buy it. But in the long run, it won't make a difference.

Terrific analysis.

 

[wksj]

iirc, the whole magnet strip thing will soon be moot as most retailers are mandated to switch to chip and pin or face fines

Most, if not all, payment terminals that support chip&pin support swipes as well. But not all terminals that support chip&pin support "tapping".
I don't live in the US.

 

[stulaw11]

This would have been nice 2-3 years ago. But with the US going to a huge push to chip credit cards starting next month; most US terminals at least will be NFC capable so it will be irrelevant if you can hold over a magnetic stripe terminal.

Those magnetic swipe will all be gone within a year or 2 as the credit card issuers and putting the full amount of any fraud liability on the store/business if they dont use the pin terminals and rely on magnetic swipes. You will see all of the big retailers going to pin terminals which will support NFC.

 

[xienze]

This would have been nice 2-3 years ago. But with the US going to chip cards starting net month; most US terminals at least will be NFC capable so it will be irrelevant if you can hold over a magnetic stripe terminal. Those will all be gone within a year or 2 as the credit card issuers and putting fraud liability on the store if they dont use the pin terminals.

You're right, they'll all be gone in a year or two (more likely two). But I don't think they planned on it being a long-term solution. It does however make their contactless payment platform more robust. I know I'd like Apple Pay to support this tech because I'd really like to go contactless for everything. The tech Samsung has lets you get 90% of the way there today, and the switchover, when it occurs, should be seamless. That's pretty nice. Give credit where it's due.

 

[Surf Donkey]

This would have been nice 2-3 years ago. But with the US going to a huge push to chip credit cards starting next month; most US terminals at least will be NFC capable so it will be irrelevant if you can hold over a magnetic stripe terminal.

Those magnetic swipe will all be gone within a year or 2 as the credit card issuers and putting the full amount of any fraud liability on the store/business if they dont use the pin terminals and rely on magnetic swipes. You will see all of the big retailers going to pin terminals which will support NFC.

I don't think that is quite true. I was reading this yesterday from a Samsung Pay beta user over at Reddit. He seems to know his stuff. He says he does not work for Samsung (although clearly he could be bias). But he seems to know quite a bit about NFC and MST adoption.

Samsung Pay uses tokenization on both NFC and MST. Merchant based EMV authentication has no bearing on these transactions, as the transactions are authenticated directly from the bank using the secure element on the phone and your fingerprint/passcode and is designed to work with seamlessly with chip enabled cards. The transactions are coded as card present transactions, meaning the banks takes liability for the transactions, so there is no liability issues for merchants, its the same as using a chip enabled card as far as the bank and payment processors are concerned.

As for card readers, they aren't going anywhere for the foreseeable future. In the U.S. NFC is optional so not every retailer will get them due to the costs involved. The fallback on EMV terminals here in the U.S. is magstripe and will continue to be so for years to come... Prepaid debit cards, gift cards, government assistance cards and store credit cards all rely on magstripe readers and will not be chip enabled for the foreseeable future, if ever.

Most new terminals either do not have NFC or they have it disabled, but they all have magstripe readers. The reality is
that we will likely have magstripe readers in wide operation for the next 10 years. That, of course, is well past the life span of the lastest Galaxy phones. The point is that Samsung Pay users are going to be enjoying wide spread acceptance right now and into the future, whereas Apple Pay and Android Pay users will only see gradual increases in acceptance over the next few years.

https://www.reddit.com/r/Android/co...will_gradually_expand_to_other_galaxy/cv9hpu9

 

[applewatch]

Apple Pay, Android Pay, Samsung Pay what's next? Obviously something Pay.

Microsoft Pay.

 

[Tammster]

Did Apple not jump on board with this technology for security reasons? I'd much rather fewer locations then use a system that's not safe.

If Apple doesn't think they have control over security I would be very shocked if they considered using it.

 

[stulaw11]

I don't think that is quite true. I was reading this yesterday from a Samsung Pay beta user over at Reddit. He seems to know his stuff. He says he does not work for Samsung (although clearly he could be bias). But he seems to know quite a bit about NFC and MST adoption.



https://www.reddit.com/r/Android/co...will_gradually_expand_to_other_galaxy/cv9hpu9

"Prepaid debit cards, gift cards, government assistance cards and store credit cards" NFC payments are not made for these type of items so sure I guess they'll remain magnetic strip. What I meant is retailers taking major issuer cards absorb the liability of any fraud if they dont allow for PIN payment. What big retailer in their right mind is going to take on all of the chain's fraud liability from the issuers?

Most big retailers are turning on NFC, even the ones who a year ago blocked it intentionally. There is no legit reason to shut it off other than a Samesuck fan's mind.

Did Apple not jump on board with this technology for security reasons? I'd much rather fewer locations then use a system that's not safe.

If Apple doesn't think they have control over security I would be very shocked if they considered using it.

Same.

 

[Surf Donkey]

There is no legit reason to shut it off other than a Samesuck fan's mind.

OK, well I can see you are looking at this objectively.

 

[stulaw11]

OK, well I can see you are looking at this objectively.

Again, the proof is in the pudding- CVS, Best Buy, etc. ALL retailers who said F-Apple Pay initially (MXC members) and look at it now.

All enabling it because of the Apple influence. It will only continue with Android Pay too. Mom and pop stores may not but major chains will all take NFC in the next say 5 years give or take.

Sorry but Samsung fans are some of the biggest morons out there- way worse than Apple fans. And the wireless charging ad? An iphone user searching for a cord vs. a wireless puck WITH A CORD- the VERY SAME wall charger in most cases. I mean talk about retarded false marketing ploy.

At least I can use my phone when its plugged in vs having to leave it laying on a charging puck.

 

[xienze]

Did Apple not jump on board with this technology for security reasons?

It's almost certainly because Samsung bought the company and its patents first. Apple couldn't implement it if they wanted to now.

 

[wksj]

Those magnetic swipe will all be gone within a year or 2 as the credit card issuers and putting the full amount of any fraud liability on the store/business if they dont use the pin terminals and rely on magnetic swipes. You will see all of the big retailers going to pin terminals which will support NFC.

Read my previous post above.
Chip and PIN terminals have been in use in Canada for years (and according to Wikipedia, VISA/MC implemented domestic transaction liability shift on 31 March 2011), but all terminals still support magnetic swipes. So, no, they won't be gone within a year or 2 in the US, or anywhere else for that matter.
And NO, not all PIN terminals support NFC; and even if their terminals support NFC, some stores actually disable it.

 

[stulaw11]

Read my previous post above.
Chip and PIN terminals have been in use in Canada for years (and according to Wikipedia, VISA/MC implemented domestic transaction liability shift on 31 March 2011), but all terminals still support magnetic swipes. So, no, they won't be gone within a year or 2 in the US, or anywhere else for that matter.
And NO, not all PIN terminals support NFC; and even if their terminals support NFC, some stores actually disable it.

I get that but the past isn't the future.

Again major retailers are turning them on monthly here-CVS Pharmacy, Best Buy and others. And they were ones who initially did intentionally shut the NFC off. That's just not the trend in the US in the last 12 months.

The point was the now the NFC is big (not like in 2011) the retailers can CHOOSE to get pin terminals, since they have to replace the stripe only ones anyways, with NFC enabled too since they will have to replace them anyways. Get all of the technologies in 1 shot.

I dont have a magic 8 ball what they absolutely 100% will do or not do, but it only makes sense to have the option on the terminals if they have to be replaced anyways and NFC has caught on.

 

[Surf Donkey]

I get that but the past isn't the future.

Again major retailers are turning them on monthly here-CVS Pharmacy, Best Buy and others. And they were ones who initially did intentionally shut the NFC off. That's just not the trend in the US in the last 12 months.

The point was the now the NFC is big (not like in 2011) the retailers can CHOOSE to get pin terminals, since they have to replace the stripe only ones anyways, with NFC enabled too since they will have to replace them anyways. Get all of the technologies in 1 shot.

I know you hate Samsung, I get it, but you are still talking many years out where Samsung pay will be available in more locations than Apple Pay. I don't think you can really argue objectively that it will be as irrelevant as you suggest.

 

[stulaw11]

I know you hate Samsung, I get it, but you are still talking many years out where Samsung pay will be available in more locations than Apple Pay. I don't think you can really argue objectively that it will be as irrelevant as you suggest.

Yes, per my previous posts I think Samsung's marketing is shameful (wont even get into the copying other company's phones and features which has been proven in courts). I think its shameful once Apple Pay came out suddenly oh its Samsung Pay. Same freaking clause just difference company name. Way to be creative Samesuck (Dual Pay, Magna Pay, Multi Pay- that's in 5 seconds of thought- MANY other names they could've called it to describe the actual advantages of the product other than copy Apple).

Their wireless charging ad, moronic. Who the hell is comparing finding an iphone cord next to a bed with a wireless charging puck with, you guessed it, A CORD. It's idiotic marketing to moron customers and it's misleading like wireless charging doesnt require a cord.

I like Apple's products generally, not a huge fan and iphone is the only Apple product I've owned, but at least their advertising is relatively honest and they aren't parroting what other phone manufacturers are doing right now.

 

[C DM]

The fact that their new tagline there is "It's not a phone, it's a Galaxy" speaks more than anything, given that Apple has been using "If it's not an iPhone, it's not an iPhone". Seems like in trying to set themselves apart they are mainly just continually re-enforcing the leader/follower dynamic with all their marketing.

 

[stulaw11]

The fact that their new tagline there is "It's not a phone, it's a Galaxy" speaks more than anything, given that Apple has been using "If it's not an iPhone, it's not an iPhone". Seems like they are only continually re-enforcing the leader/follower dynamic with all their marketing.

That too, someone gets it.

At least Apple isnt the parrot of technology. What other phone has a pressure touchscreen (ok the one Chinese brand but that was done in response to the Apple rumors or off the watch)?

Apple was first to market with a pressure screen. Just wait- next it will be Samung Touch GS7 and Note 6. Samsung hasn't had an original thought in years and it's pretty pathetic.

 

[ultravisitor]

Honestly, who cares? Samsung will do what Samsung does.

 

[Surf Donkey]

Honestly, who cares? Samsung will do what Samsung does.

I find it fascinating that so many feel personal hatred towards a phone. Lol.

 

[Andres Cantu]

I would not trust Samsung nor especially Android with my debit/credit card information. We all know how Google handles privacy, and security would be an issue with slow Android updates.

 

[Speechless]

wow.

I don't care, but it is pretty pathetic to show an iPhone on the Apple Pay screen and not using it properly. Especially when its the same way you pay with a galaxy or whatever the hell that phone is.

If anything, this makes me stick with Apple more for not advertising something so pathetically low.