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Microsoft Pay
Microsoft Pay (previously Microsoft Wallet) was a mobile payment and digital wallet service by Microsoft that allowed users to make payments and store loyalty cards on certain mobile devices, as well on PCs using the Microsoft Edge browser. Microsoft Pay does not require Microsoft Pay-specific contactless payment terminals, and supported existing contactless terminals if used on mobile devices. Similar to Android Pay, Microsoft Pay utilized host card emulation (HCE) for making in-store payments. The service's original name was also originally used for a feature included in Internet Explorer 4 and Internet Explorer 5 that allowed users to store credit card information to use with a limited number of supported sites. History Microsoft Wallet was launched on June 21, 2016, in the United States. It was initially released to participants of Microsoft's Windows Insider program and was later made available to the general public on August 16, 2016, with the release of the Windows 10 Mob ...
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Microsoft
Microsoft Corporation is an American multinational technology corporation producing computer software, consumer electronics, personal computers, and related services headquartered at the Microsoft Redmond campus located in Redmond, Washington, United States. Its best-known software products are the Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2019. It is one of the Big Five American information technology companies, alongside Alphabet, Amazon, Apple, and Meta. Microsoft was founded by Bill Gates and Paul Allen on April 4, 1975, to develop and sell BASIC interpreters for the Altair 8800. I ...
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Near Field Communication
Near-field communication (NFC) is a set of communication protocols that enables communication between two electronic devices over a distance of 4 cm (1 in) or less. NFC offers a low-speed connection through a simple setup that can be used to bootstrap more-capable wireless connections. Like other " proximity card" technologies, NFC is based on inductive coupling between two so-called antennas present on NFC-enabled devices—for example a smartphone and a printer—communicating in one or both directions, using a frequency of 13.56 MHz in the globally available unlicensed radio frequency ISM band using the ISO/IEC 18000-3 air interface standard at data rates ranging from 106 to 424 kbit/s. The standards were provided by the NFC Forum. The forum was responsible for promoting the technology and setting standards and certifies device compliance. Secure communications are available by applying encryption algorithms as is done for credit cards and if they fit the crit ...
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Samsung Pay
Samsung Pay (stylized as SΛMSUNG Pay) is a mobile payment and digital wallet service by Samsung Electronics that lets users make payments using compatible phones and other Samsung-produced devices. The service supports contactless payments using near-field communications (NFC), but also supports magnetic strip-only payment terminals by incorporating magnetic secure transmission (MST) in select devices. In India, it also supports bill payments. The service was launched in South Korea on August 20, 2015, and in the United States on September 28 of the same year. Service Samsung Pay was developed from the intellectual property of LoopPay, a crowdfunded startup company that Samsung acquired in February 2015 for an estimated $300m, one of the largest acquisitions made by the firm. The service supports both NFC-based mobile payment systems (which are prioritized when support is detected), as well as those that only support magnetic stripes. This is accomplished via a technology ...
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Apple Wallet
Apple Wallet, or simply Wallet and formerly known as Passbook, is a digital wallet developed by Apple Inc. and included with iOS and watchOS that allows users to store Wallet passes such as coupons, boarding passes, student ID cards, government ID cards, business credentials, resort passes, car keys, home keys, event tickets, public transportation passes, store cards, and – starting with iOS 8.1 – credit cards, debit cards, and prepaid cards for use via Apple Pay. Wallet was introduced as Passbook with iOS 6 on September 19, 2012. It was renamed Wallet with the release of iOS 9 in 2015. Wallet is also the main interface for Apple Card, Apple's credit card released in the U.S. on August 20, 2019. History Apple Passbook was announced at the 2012 Apple Worldwide Developers Conference on June 11, 2012, and released with iOS 6 on September 19, 2012. It was renamed Wallet with the release of iOS 9 on September 16, 2015. Features Wallet displays Aztec, PDF ...
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Google Pay (payment Method)
Google Pay (formerly Android Pay) is a mobile payment service developed by Google to power in-app, online, and in-person contactless purchases on mobile devices, enabling users to make payments with Android phones, tablets, or watches. Users can authenticate via a PIN, passcode, or biometrics such as 3D face scanning or fingerprint recognition. , it is currently available in 46 countries. In 2022, a companion app named Google Wallet was released. Service Google Pay uses near-field communication (NFC) to transmit card information facilitating funds transfer to the retailer. It replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals by allowing the user to upload these in Google Wallet. It is similar to contactless payments already used in many countries, with the addition of two-factor authentication. The service lets Android devices wirelessly communicate with point of sale systems using a near field communication (NFC) ant ...
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Apple Pay
Apple Pay is a mobile payment service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web. It is supported on these Apple devices: iPhone, Apple Watch, iPad, and Mac. It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. It does not require Apple Pay-specific contactless payment terminals; it can work with any merchant that accepts contactless payments. It adds two-factor authentication via Touch ID, Face ID, PIN, or passcode. Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication. Apple Pay can also be used to ride some public transport networks either through the use of credit/debit cards (open loop) (for example across TfL in London, SL in Stockholm, a ...
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LG Pay
LG Pay was a mobile payment and digital wallet service by LG Electronics that let users make payments using compatible phones. The service supported contactless payments using near-field communications (NFC), but also incorporated wireless magnetic communication that allowed contactless payments to be used on payment terminals that only supported magnetic stripe transactions. Service LG Pay was developed from the intellectual property of Dynamics and has announced plans since November 2015. The service supports both NFC-based mobile payment systems (which are prioritized when support is detected), as well as those that only support magnetic stripes. This is accomplished via technology known as "Wireless Magnetic Communication" (WMC), which transmits card data to a payment terminal's swipe slot via emitting wireless magnetic data pulses, causing the terminal to register it as if it were a normal magnetic stripe. On phones, the menu of the wallet was launched by swiping from ...
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Google
Google LLC () is an American Multinational corporation, multinational technology company focusing on Search Engine, search engine technology, online advertising, cloud computing, software, computer software, quantum computing, e-commerce, artificial intelligence, and Computer hardware, consumer electronics. It has been referred to as "the most powerful company in the world" and one of the world's List of most valuable brands, most valuable brands due to its market dominance, data collection, and technological advantages in the area of artificial intelligence. Its parent company Alphabet Inc., Alphabet is considered one of the Big Tech, Big Five American information technology companies, alongside Amazon (company), Amazon, Apple Inc., Apple, Meta Platforms, Meta, and Microsoft. Google was founded on September 4, 1998, by Larry Page and Sergey Brin while they were Doctor of Philosophy, PhD students at Stanford University in California. Together they own about 14% of its publicl ...
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Softcard
JVL Ventures, LLC d/b/a Softcard (formerly Isis Mobile Wallet), was a joint venture between AT&T, T-Mobile and Verizon which produced a mobile payments platform known as ''Softcard'', which used near-field communication (NFC) technology to allow users to pay for items at stores and restaurants with credit and debit card credentials stored on their smartphones. The partnership was first announced on November 16, 2010; following a trial period in 2012, the service officially launched nationwide on November 14, 2013. The official Softcard app was available for NFC-compatible smartphones using the Android operating system and later on Windows Phone 8.1. On February 23, 2015, it was announced that Google—which had developed a competing system known as Google Wallet, backed by Sprint and MetroPCS—had acquired certain assets and intellectual property from Softcard. The Softcard service was discontinued on March 31, 2015, and the three founding carriers pledged support for Google ...
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Verizon
Verizon Communications Inc., commonly known as Verizon, is an American multinational telecommunications conglomerate and a corporate component of the Dow Jones Industrial Average. The company is headquartered at 1095 Avenue of the Americas in Midtown Manhattan, New York City, but is incorporated in Delaware. The company was formed in 1984 as Bell Atlantic as part of the break up of the Bell System into seven companies, each a Regional Bell Operating Company (RBOC), commonly referred to as "Baby Bells". Headquartered in Philadelphia, it originally had an operating area from New Jersey to Virginia. In 1997, Bell Atlantic expanded into New York and the New England states by merging with fellow Baby Bell NYNEX. While Bell Atlantic was the surviving company, the merged company moved its headquarters from Philadelphia to NYNEX's old headquarters in New York City. In 2000, Bell Atlantic acquired GTE, which operated telecommunications companies across most of the rest of t ...
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T-Mobile
T-Mobile is the brand name used by some of the mobile communications subsidiaries of the German telecommunications company Deutsche Telekom AG in the Czech Republic ( T-Mobile Czech Republic), Poland ( T-Mobile Polska), the United States (T-Mobile US) and by the former subsidiary in the Netherlands ( T-Mobile Netherlands). The T-Mobile brand was introduced in 1996 and the name was previously used by subsidiaries in other countries, including Austria (now Magenta), Croatia (now Hrvatski Telekom), Germany (now Deutsche Telekom), Hungary (now Magyar Telekom), Montenegro (now Crnogorski Telekom), North Macedonia (now Makedonski Telekom), Romania (now Telekom România), Slovakia (now Slovak Telekom), and the United Kingdom (now EE Limited). In 1999, Deutsche Telekom formed the holding company T-Mobile International AG for its mobile communications subsidiaries. From 2003 to 2007, T-Mobile International was one of Deutsche Telekom's services, in addition to "Broadband/Fixnet", "B ...
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AT&T
AT&T Inc. is an American multinational telecommunications holding company headquartered at Whitacre Tower in Downtown Dallas, Texas. It is the world's largest telecommunications company by revenue and the third largest provider of mobile telephone services in the U.S. , AT&T was ranked 13th on the ''Fortune'' 500 rankings of the largest United States corporations, with revenues of $168.8 billion. During most of the 20th century, AT&T had a monopoly on phone service in the United States. The company began its history as the American District Telegraph Company, formed in St. Louis in 1878. After expanding services to Arkansas, Kansas, Oklahoma and Texas, through a series of mergers, it became Southwestern Bell Telephone Company in 1920, which was then a subsidiary of American Telephone and Telegraph Company. The latter was a successor of the original Bell Telephone Company founded by Alexander Graham Bell in 1877. The American Bell Telephone Company formed the American ...
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