Payment services samsung что это

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Samsung Pay: What is it and how does it compare to Apple Pay?

It joins Apple — which launched a rival facility last year — in trying to convince shoppers to use their handsets, rather than plastic cards, to make in-store purchases.

And Samsung believes it has one critical fact that will work in its favour: its tech works with a much larger number of existing payment terminals.

Image source, Getty Images
Image caption,
Samsung Pay works with more types of payment terminals than rival services from Apple and Google

In truth, it’s still unclear whether using mobiles to buy goods offline has much appeal beyond a novelty factor when it comes to non-geek members of the public.

But with two of the biggest names in tech betting their mobile payment services will help their handsets stand out, the days of slipping a bulky wallet into your pocket or handbag could be numbered.

Let’s start with the basics — where in the world can you use it?

Image source, AP
Image caption,

Samsung Pay uses fingerprints as IDs, but the firm says it could add options for other biometric checks in the future

At launch, Samsung Pay is only available in the company’s home country.

But it will expand to the US on 28 September, and the firm has indicated that the UK, Spain and China will be next to get the facility sometime in the near-future.

That signals a more aggressive rollout than Apple Pay, which currently remains limited to the US and UK.

However, there are two other additional factors to consider.

Samsung Pay will only work with the firm’s newest Android smartphones:

Galaxy S6
Galaxy S6 Edge
Galaxy S6 Edge+
Galaxy Note 5

And bank/credit card providers involved must be signed up to the scheme.

How would I use it?

Image source, Samsung
Image caption,
Samsung Pay can be activated without having to first wake up the phone’s screen

Unlike Google Wallet and several other earlier payment apps, there’s no need to unlock the phone and launch a special app to get started.

Assuming you’ve already entered your payment card details, all you need do is swipe up from the bottom of the device’s face and Samsung Pay will appear, even if the screen was turned off to begin with.

Next, pick a credit card and scan your fingerprint or provide a Pin code.

Finally, you have to bring the phone close to the payment terminal within 15 seconds to complete the sale.

Will stores need to install special machines first?

Image source, Getty Images
Image caption,
People will need to own one of the most recent Galaxy handsets to be able to use Samsung Pay

No — it should be able to work with two existing types of widely used kit.

Like Apple Pay, Samsung’s service is designed to work existing «tap-and-go» terminals that use near field communication (NFC) transmissions. This is the technology that was widely deployed across the UK alongside the introduction of chip-and-pin cards.

But Samsung Pay’s added trick is that it also works with magnetic stripe readers, which remain popular in the US and Asia.

This is thanks to a proprietary technology it calls Magnetic Secure Transmission (MST).

«Rather than swiping the card, which normally transmits the data, we are using electronic signals [made by alternating current through] coils inside the phone to send the signal over,» Thomas Ko, vice president of Samsung Pay, explained to the BBC.

«So, from the machine’s perspective it is actually receiving the same amount of information that it would from a magnetic reader.»

Samsung has been able to deploy the innovation thanks to its takeover of LoopPay — an American company that initially tried to pioneer the tech via bulky add-on smartphone cases.

Is that safe? Couldn’t someone steal my account details by «eavesdropping» on the transmission?

Image source, Getty Images
Image caption,
Magnetic stripe readers are still the norm in South Korea and the US

Payment cards have indeed been successfully targeted by thieves who clone the details coded on their magnetic stripes.

However, Samsung Pay uses a security system called tokenisation to protect against this threat.

Rather than transmitting the same, static «primary account number» (Pan) each time, a Samsung Pay handset instead sends:

a 16-digit «token» — this is unique to each payment card stored on each handset and represents the relevant bank/credit card account without revealing the actual account’s details
a cryptogram — a one-use code generated by an encryption key stored on the handset

These two sets of data are sent to the payment processor, who checks they correspond before authorising the payment.

Even if a thief were able to get close enough to intercept the transmission, there is no way for them to reverse-engineer the token to deduce the victim’s card account details.

And they would not be able to use the token with another magstripe reader unless they also had a way to generate a matching cryptogram. That should should be next to impossible to do without access to the encryption key.

The system works without changes having to be made to the magstripe machine itself. It treats MST transmissions as if they are a traditional card swipe.

So, Samsung Pay has a big advantage over Apple Pay?

Image source, Getty Images
Image caption,
Apple Pay can be used on the US firm’s smartwatch, but Samsung Pay is limited to phones at present

Yes — but it’s unlikely that many people will be swayed from Apple’s iOS ecosystem solely because of the type of mobile payments Samsung supports.

Perhaps the more important comparison is with Android Pay — Google’s forthcoming mobile wallet service.

Google is also pitching its service as simple to use because it doesn’t need a special app to be launched. But it will require payment terminals to offer NFC support.

Image source, Google
Image caption,
Android Pay is a successor to Google Wallet, a service which required users to open up a special app

Even so, one shouldn’t totally discount app-based rivals — especially if they can offer distinctive services of their own.

In South Korea Kakao Pay also allows users to make money transfers to each other and AliPlay does something similar in China. Meanwhile, in the US the forthcoming CurrentC service is promising «exclusive offers» to its users.

com.samsung.android.kgclient malware?

I can’t disable this apk because it says it’s an admin app but when I look at the list of admin apps it’s not there. It shows it’s Payment Services? Any advice on how to remove this would be greatly appreciated. If you need any info from me please let me know.

Hosehead

Senior Member

Apr 5, 2006 425 69 53 Central PA Nvidia Shield TV & TV Pro (2019) Samsung Galaxy S23 Ultra

Pretty sure that is part of Samsung Pay.

Sent from my SM-N975U using Tapatalk

scottusa2008

Senior Member

Nov 30, 2008 551 168

com.samsung.android.kgclient is not malware

It is an app from Samsung and it’s called «Payment Services».

altens

New member

Sep 9, 2019 1 0
check data/system/enterprise.db

blackhawk

Senior Member

Jun 23, 2020 13,479 5,776 Samsung Galaxy Note 10+

Pretty sure that is part of Samsung Pay.

Sent from my SM-N975U using Tapatalk

Yeah, Samsung crapware. I hate it.
No way to uninstall or disable as it’s preset as system administrator. Can’t clear it’s cache, and useless if you don’t want this feature!
Another worthless Samsung free martin.
Like to rabbit punch the rat at Samsung who forced this down our throats.
Feel the wuv.

Hosehead

Senior Member

Apr 5, 2006 425 69 53 Central PA Nvidia Shield TV & TV Pro (2019) Samsung Galaxy S23 Ultra

I use it all the time. To each his own.

Sent from my SM-N975U using Tapatalk

blackhawk

Senior Member

Jun 23, 2020 13,479 5,776 Samsung Galaxy Note 10+

Pretty sure that is part of Samsung Pay.

Sent from my SM-N975U using Tapatalk

I use it all the time. To each his own.

Sent from my SM-N975U using Tapatalk

Great if you do but otherwise it serves no purpose.
The worst piece of bloatware on the phone other than Knox. Both run in the background.
I don’t need Samsung playing big sister.

Badger50

Senior Moderator / Moderator Committee

Staff member
Feb 27, 2011 17,240 6 32,451 63 «Always on the Hunt» Samsung Galaxy Note 10.1 Samsung Galaxy A10

Thread cleaned.

As you can see, I have cleaned this thread of the fighting that has ensued between the two of you for whatever reason. I suggest that you both check your PM’s and please be respectful of all XDA rules, especially those pertaining to «Member Conduct». If you have a problem with each other, please keep it relegated to PM’s. Continued posting such as this, can, and often does, result in disciplinary actions. So please let this be the end of it here and now! Thank you for your cooperation, and let’s return to on topic, and respectful discussion.
Thank you.

Badger50
XDA Moderator Staff

monicaONxda

Member

Aug 16, 2020 46 8

com.samsung.android.kgclient is «samsung payment service» and part of «knoxguard.apk» — if you diable (freeze) or remove (uninstall) it, after boot into system you get a message «the phone is locked bcause you uninstalled payment service. » there is another XDA thread regarding unlocking this by editing a file in /data/systems.

What you can do is blocking its internet access in afwall+ .

Anybody knows how to completed remove knox+payment service in android 10?

blackhawk

Senior Member

Jun 23, 2020 13,479 5,776 Samsung Galaxy Note 10+

What you can do is blocking its internet access in afwall+ .

Anybody knows how to completed remove knox+payment service in android 10?

I wish
I hate that crap. it’s set as a invisible administrator so you can’t package block it or disable it.
No way to stop Samsung Payment from loading even if you don’t use it.
KMLS Agent is another one.

raul6

Senior Member

Jan 26, 2009 1,410 444 122 Samsung Galaxy S23 Ultra

no issues whatsoever with. kgclient disabled
also .spay and .spayfw

ssokolnx

Member

Dec 13, 2016 12 0
no issues whatsoever with. kgclient disabled
also .spay and .spayfw

Say me please, how you disable kgclient and don’t have locking smartphone.

raul6

Senior Member

Jan 26, 2009 1,410 444 122 Samsung Galaxy S23 Ultra
using an older version of Adhell with still active key

starbright_

Senior Member

Apr 11, 2010 1,465 262

com.samsung.android.kgclient is «samsung payment service» .
What you can do is blocking its internet access in afwall+ .

As for me I observed a service named «device services» in AFWall. Blocking this causes high battery drain. After some reseach I found that this is the kgclient.

Anybody with same experience?

justin22

Member

Sep 13, 2007 30 15

can/has anyone try/tried these commands :
this takes away the ability to execute a wakelock,and it should/maybe prevent running (actively) in the background.
(@ shell+root)
appops set com.samsung.android.kgclient WAKE_LOCK ignore
appops set com.samsung.android.kgclient RUN_IN_BACKGROUND ignore
appops set com.samsung.android.kgclient RUN_ANY_IN_BACKGROUND ignore
permission manager X can do it as well (if your a GUIperson only )

blackhawk

Senior Member

Jun 23, 2020 13,479 5,776 Samsung Galaxy Note 10+

As for me I observed a service named «device services» in AFWall. Blocking this causes high battery drain. After some reseach I found that this is the kgclient.

Anybody with same experience?

Yeah it’s a little b*tch. (XDA has auto censor, how quaint)
These are always at it as well.
UID 1000 Android Services, can be firewall blocked almost all the time with zero impact.
UID 10044 Google Play Services*, can be Firewall blocked a lot of the time, needed for Gmail, Gmaps, Playstore.
Firewall blocking these pigs saves a lot battery for me.

*I keep Google Play Services package disabled except when needed. Even when PBed some of it’s apks continue to run. Google Backup Transport Services and Framework use it a lot too if they’re allowed to run.

justin22

Member

Sep 13, 2007 30 15

device services . do you mean com.sec.android.sdhms ?
thats the device health service (battery stats. )
while it can be (fw)blocked,I havent found a way to remove it.
not even pm hide (which worked wonders for the game.gos service ) worked
even with pm uninstall,the package is back within seconds .
one possibility would be to remove RUN_IN/ANY_BACKGROUND with appops/permissionmasterX.

blackhawk

Senior Member

Jun 23, 2020 13,479 5,776 Samsung Galaxy Note 10+

That’s Samsung Device Health Management Service. I can, but don’t package disable it.
It’s not a menace on my device but each device is different. Not showing up on the firewall; probably grouped together in the UID1000 group which I do firewall block as it’s a little b*tch.

It’s currently running. I can package disable it to see what it’s dependencies are.
Update, blocking it seems to do nothing that I can spot yet however it doesn’t seem to be causing trouble either.

Payment services samsung что это

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