DATA DOCTORS

Here’s what you need to know about using smartphone mobile payment systems

Apr 22, 2023, 5:45 AM

(Photo by Pierre Crom/Getty Images)...

(Photo by Pierre Crom/Getty Images)

(Photo by Pierre Crom/Getty Images)

Q: How can I tell if my Android smartphone can be used for mobile payments and is it safe?

A: There are good reasons to consider using the mobile payment systems that most of today’s smartphones support, ranging from convenience to security.

The key feature that your smartphone must have is something called Near-Field Communication (NFC), which is a very short-range wireless communication standard.

Unlike other wireless technologies such as Wi-Fi and Bluetooth, the range of NFC is typically 4 centimeters or less, which is a great security enhancement and why you need to get your smartphone very close to a purchasing terminal.

If you’re not sure if your smartphone supports NFC, the easiest way to check is to go to your Settings menu and type NFC in the “Search” bar.

If nothing shows up, you don’t have NFC. If the settings do show up, you’ll want to make sure it’s enabled before downloading and setting up a digital wallet app.

Payment Platforms

Google and Samsung both offer Android wallet apps for making mobile payments, but Samsung’s payment system only works on their compatible phones.

Even if you currently have a Samsung device, it may be advantageous to opt for Google’s wallet app since it will work with any type of Android device down the road.

To set up the app, you’ll need to add a credit or debit card that will ultimately be charged when you use the app.

Advantages Over Credit Cards

Mobile payment apps have numerous benefits over handing a credit card to a retailer for your purchases.

The first is that it will “tokenize” each purchase and shield your credit card number from ever being exposed during the transaction. This token is only good for that one purchase, so even if it’s stolen, it’s not of much value to a thief.

This “touch to pay” procedure prevents nefarious individuals from being able to use card skimmers or other scams with your physical credit card.

It also eliminates having to pull out your wallet or open your purse to make a purchase adding to the convenience.

Biometric Authentication

Another important benefit is that the biometric security built into your smartphone will prevent others from being able to use it, even if they get your smartphone unlocked.

Just make sure you enable the setting that requires biometric authentication for each purchase.

Remote Controls

If you’re concerned about what would happen if your smartphone got lost or stolen, this is where the advantages over a lost physical wallet become very clear.

Think about the time and effort required to cancel every card that you carry in your wallet or purse; with a mobile payment system, you simply log in from any Internet terminal in the world and disable the wallet instantly.

Unlike a lost wallet, your smartphone can also be tracked, locked or erased remotely should it go missing.

Caveats

It’s kind of obvious, but if your phone’s battery dies or isn’t functioning properly, you’ll be unable to make a purchase. Another challenge is not all merchants accept mobile payments yet, although this is likely to improve over time.

There will come a time when having a physical wallet won’t ever be necessary, but we’re not there just yet.

Data Doctors

(Pexels Photo)...

Ken Colburn, Data Doctors

Here are which electronics are OK in checked baggage

The primary determinant of what is safe to check in baggage is today’s most common battery technology: Lithium Ion.

6 days ago

DNS can help Arizonans protect their online security...

Ken Colburn, Data Doctors

How Arizonans can protect their cyber safety through DNS

DNS stands for Domain Name Service. It's is a vital element of Internet infrastructure all Arizonans should know about when working online.

13 days ago

(Pexels Photo)...

Ken Colburn, Data Doctors

Here are some useful Windows keyboard shortcuts

Keyboard shortcuts are one of the most underutilized features of any operating system and Windows 11 has many new ones.

20 days ago

Depending on the size of your home or how far outside your home you want the signal to be usable, r...

Ken Colburn, Data Doctors

Here’s how to choose the best WiFi router location

Depending on the size of your home or how far outside your home you want the signal to be usable - for items like security cameras - router placement is critical.

1 month ago

(Pexels photo)...

Ken Colburn, Data Doctors

Here’s how to use macros safely and effectively

Creating a macro is the process of recording keystrokes and mouse clicks for repetitive tasks within a document or spreadsheet.

1 month ago

...

Sponsored Content by Midwestern University

Midwestern University Clinics: transforming health care in the valley

Midwestern University, long a fixture of comprehensive health care education in the West Valley, is also a recognized leader in community health care.

Sponsored Articles

...

DISC Desert Institute for Spine Care

Sciatica pain is treatable but surgery may be required

Sciatica pain is one of the most common ailments a person can face, and if not taken seriously, it could become one of the most harmful.

...

Collins Comfort Masters

Here’s 1 way to ensure your family is drinking safe water

Water is maybe one of the most important resources in our lives, and especially if you have kids, you want them to have access to safe water.

(KTAR News Graphic)...

Boys & Girls Clubs

KTAR launches online holiday auction benefitting Boys & Girls Clubs of the Valley

KTAR is teaming up with The Boys & Girls Clubs of the Valley for a holiday auction benefitting thousands of Valley kids.

Here’s what you need to know about using smartphone mobile payment systems