Кошелек
Удобство покупок и безопасность данных в Wallet — едином месте для хранения способов оплаты, паролей и многого другого. С помощью кошелька вы также можете добавлять примечания к своим паролям, получать доступ к балансам Microsoft Rewards или кэшбэка или использовать виртуальные карты для еще большей безопасности при совершении покупок в Интернете. Все это без проблем работает с данными, которые вы уже надежно храните в Microsoft Edge.
Советы и рекомендации
- * Доступность и возможности функций зависят от типа устройства, рынка и версии браузера.
(Redirected from Microsoft Wallet)
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.[1] Similar to Android Pay, Microsoft Pay utilized host card emulation (HCE) for making in-store payments.[2]
Microsoft Pay
| Developer(s) | Microsoft |
|---|---|
| Initial release | June 21, 2016; 8 years ago |
| Operating system | Windows 10 |
| Platform | Microsoft Edge |
| License | Proprietary |
| Website | https://www.microsoft.com/en-us/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.
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 Mobile Anniversary Update. The service was launched exclusively to Windows 10 Mobile in conjunction with an update to Microsoft’s Wallet app.
The launch of the Microsoft Wallet service established Microsoft’s own in-house mobile payment platform, enabling it to bypass its prior dependencies on third parties for contactless payments on Windows-based smartphones. Microsoft’s mobile operating system had previously supported contactless payments for NFC-equipped handsets as early as 2012 in Windows Phone 8 and the original Wallet app. However, in the prior operating system, Microsoft depended on third-party intervention to make the payments feasible. Mobile carriers had to support this by providing secure element SIM cards to customers. Additionally, in the United States, mobile carriers AT&T, T-Mobile, and Verizon required use of their joint-venture developed platform, Softcard, to process the payments. When Softcard was purchased (and subsequently shut down) by Google in early 2015, it left the Windows platform without a viable contactless payment system in the United States.
The platform allowed Microsoft to coordinate directly with financial institutions and credit card issuers to make contactless payments on Windows-based smartphones, beginning in the United States. On November 15, 2017, Microsoft rebranded Microsoft Wallet to Microsoft Pay and allowed payments to be processed through it on Edge.[3]
Microsoft retired the service on February 28, 2019, coinciding with the company’s end of support for Windows 10 Mobile and subsequent exit from the mobile OS market at the end of the year.[4]
- LG Pay
- Apple Pay
- Google Pay
- Apple Wallet
- Samsung Pay
- ^ «Wallet frequently asked questions». Microsoft. Archived from the original on 13 September 2016. Retrieved 21 June 2016.
- ^ Rubino, Daniel (June 11, 2016). «NFC Tap to Pay is Coming to Windows 10 Mobile with Microsoft Wallet 2.0». Windows Central. Mobile Nations. Archived from the original on June 30, 2016. Retrieved June 28, 2016.
- ^ «Microsoft is rebranding Microsoft Wallet as ‘Microsoft Pay’ in Windows 10». Windows Central. 2017-11-15. Retrieved 2021-02-11.
- ^ Adams, Matthew (2019-01-22). «Microsoft discontinues Wallet app in February 2019». Windows Report. Retrieved 2022-06-21.
- Official website
Microsoft Wallet makes it easy to leave your cash and cards behind. With Microsoft Wallet, you can store your credit and debit cards digitally, making it a convenient option for everyday purchases.
You can add your cards to Microsoft Wallet by taking a photo of the card or manually entering the card information. This process is secure and can be completed in just a few minutes.
Microsoft Wallet supports a wide range of credit and debit cards, including Visa, Mastercard, and American Express. This means you can use the service with your existing cards, without needing to apply for a new card or account.
Microsoft Wallet also offers rewards and cashback programs, which can be redeemed for gift cards or statement credits.
Windows 10 Phones and Microsoft Wallet
Microsoft Wallet has finally made its way to Windows 10 phones, but only for a limited group of users. Those who are Windows Insiders and on the Fast Ring for updates, and use a Lumia 950, 950 XL, or 650 can now enjoy mobile payments.
The initial launch is quite limited, with mobile payments working only with cards issued by a few US banks, including Bank of America, BECU, First Tech Federal Credit Union, People’s United Bank, and Virginia Credit Union. That’s it, for now.
You can make NFC payments at stores supporting wireless transactions, and the Wallet app can also hold your coupons and loyalty cards. It’s easy to use, thankfully.
Microsoft officials said tap to pay via the updated Wallet app is usable in over a million retail locations. The updated Wallet app supports credit and debit cards, membership cards, and rewards cards.
Microsoft currently lists Bank of America and People’s United Bank as supporting Wallet, with Chase, US Bank, Fifth Third Bank, and others coming soon.
Microsoft Wallet is a mobile payment service that allows you to make payments and store loyalty cards on your mobile device.
The updated Wallet app is available for use in over a million retail locations, where you’ll see the contactless payment symbol or the Microsoft Wallet logo at the point of sale.
Microsoft Wallet 2.0 supports credit and debit cards, membership cards, and rewards cards, so you can store all your important cards in one place.
You can use Microsoft Wallet to make payments at participating banks, including Bank of America and People’s United Bank, with more banks like Chase and USBank coming soon.
Microsoft Wallet doesn’t require special contactless payment terminals, so you can use it at existing contactless terminals on your mobile device.
You can earn cash in Microsoft Wallet by clicking the Cashback offers button on the Microsoft Cashback tile on the Wallet Home Screen.
There are dozens of online stores where you can earn cashback when you purchase goods or services, with varying cashback rates depending on what you buy.
I saw an offer of 23.1% cash back on ESET security, while another offer was for 1.92% on Qatar Airways.
To see your earned cash, pending earnings, and lifetime earnings, click Get Paid on the Microsoft Cashback tile.
You can also access your cashback offers without using Edge Wallet by visiting bing.com/rebates in any browser.
To transfer your earned cash to your PayPal account, look for the popup panel on the Wallet home page in Edge browser.
To add credit or debit cards to Microsoft Wallet, select Payment methods in Microsoft Wallet in Edge.
You can add one or more credit or debit cards, which will be used when you purchase items through Microsoft payments, like Microsoft 365 (Office) and the Microsoft Store.
If you haven’t purchased anything from Microsoft and don’t intend to, you don’t have to add a credit or debit card.
Entra Library and Wallet Library
To add the Microsoft Entra Wallet Library to your app, you’ll need to add a dependency to your mobile app project. This involves adding a maven dependency for Android and a cocoapod dependency for iOS.
For iOS, you’ll need to add the WalletLibrary pod to your Podfile. This is a straightforward process that will allow you to integrate the Wallet Library into your app.
To process requests, you’ll need to add some code to your app. The WalletLibraryDemo sample code is a great resource to help you get started with this process.
Here’s a list of tasks you’ll need to complete to process requests:
- Getting the request URLs
- Storing the credentials
- User Interface
The Wallet Library doesn’t come with any functionality to scan a QR code or similar, so you’ll need to implement this feature yourself if you want to provide support for it.
You should use the Microsoft Entra Wallet Library when you can’t use Microsoft Authenticator.
Microsoft Authenticator has all the functionality to act as the wallet for Microsoft Entra Verified ID, but the Wallet Library is the alternative.
Using both Microsoft Authenticator and a mobile app with the Wallet Library side-by-side on the same mobile device is possible.
Your app needs to make sure that the issuance and presentation requests find your app, as Authenticator registers the protocol handler for openid://.
Embedded deep links in HTML-pages that rely on the openid:// protocol launch Microsoft Authenticator, not your app.
You can use the Microsoft Entra Wallet Library as an alternative to the Microsoft Authenticator if you already have a mobile app that your users are familiar with and want to include verifiable credentials technology.
The Wallet Library is used by the Microsoft Authenticator itself, and some features may appear in the Authenticator first, but it’s the ambition of Microsoft to make them available in the Wallet Library.
To add the Wallet Library to your app, you’ll need to add a maven dependency for Android and a cocoapod dependency for iOS.
You’ll need to implement the following steps to process requests in your app:
- Getting the request URLs
- Storing the credentials
- User Interface
The Wallet Library doesn’t come with any functionality to scan a QR code or similar, so you’ll need to add those features yourself. It also doesn’t store credentials, so you’ll need to manage credential storage for your mobile app.
You can use the Wallet Library and the Microsoft Authenticator side-by-side on the same mobile device, but the Authenticator needs to be installed first to register the protocol handler for openid://.
Microsoft Wallet’s smartphone payments feature is a convenient way to make purchases without cash or cards. It uses NFC technology to enable tap-to-pay transactions.
The updated Wallet app supports credit and debit cards, membership cards, and rewards cards. You can store your loyalty cards and coupons in the app for easy access.
Microsoft Wallet currently works with cards issued by a limited number of banks, including Bank of America, BECU, First Tech Federal Credit Union, People’s United Bank, and Virginia Credit Union. These banks are all based in the United States.
The service is expected to expand to support cards from other banks, such as Chase, Fifth Third Bank, and US Bank, although no specific timeline has been announced.
- https://www.gsmarena.com/microsoft_wallet_for_windows_10_phones_now_supports_mobile_payments-blog-18950.php
- https://rawinfopages.com/2023/11/16/use-microsoft-wallet-in-edge-browser-to-manage-money-and-more/
- https://en.wikipedia.org/wiki/Microsoft_Pay
- https://learn.microsoft.com/en-us/entra/verified-id/using-wallet-library
- https://www.zdnet.com/article/microsoft-adds-tap-to-pay-to-wallet-for-windows-10-mobile-insiders/
Sheldon Kuphal is a seasoned writer with a keen insight into the world of high net worth individuals and their financial endeavors. With a strong background in researching and analyzing complex financial topics, Sheldon has established himself as a trusted voice in the industry.
His areas of expertise include Family Offices, Investment Management, and Private Wealth Management, where he has written extensively on the latest trends, strategies, and best practices.
View Sheldon’s Profile
In the age of digital transactions, mobile wallets have become an essential tool for managing finances, making purchases, and maintaining organization. While many people are familiar with options like Google Pay and Apple Pay, Windows users have a robust alternative: Microsoft Wallet. This powerful tool integrates seamlessly into Windows 10 Mobile, allowing users to store credit cards, debit cards, coupon cards, and other important information in a secure environment. This article will provide a comprehensive guide on how to use Microsoft Wallet on Windows 10 Mobile, exploring its features, benefits, and step-by-step processes for setting it up and utilizing it effectively.
Understanding Microsoft Wallet
Before delving into how to use Microsoft Wallet, it’s crucial to understand what it is and what it offers. Microsoft Wallet is a mobile payment and digital wallet service developed by Microsoft for Windows 10 Mobile devices. It’s designed to store various types of digital cards, including payment cards, loyalty cards, and tickets, in one secure app. Besides offering convenience, it also emphasizes security, using features like NFC-enabled payments, secure elements, and biometric verifications to protect user data.
Features of Microsoft Wallet
-
Digital Payment Capabilities: Microsoft Wallet allows users to add their credit and debit cards for fast and easy payments. With NFC (Near Field Communication) support, users can make quick payments at participating merchants simply by tapping their phone against a compatible reader.
-
Loyalty and Membership Cards: Besides payment cards, the wallet can store loyalty and membership cards for various businesses, making it easier to earn and redeem points or discounts without the need for physical cards.
-
Tickets and Boarding Passes: Users can also store tickets for events, transportation passes, and boarding passes. This feature allows users to access important travel information without having to sort through emails or printed materials.
-
Security Features: Microsoft Wallet employs security technologies, including tokenization and biometric authentication (such as fingerprint recognition) to protect sensitive payment information.
-
Seamless Integration: Microsoft Wallet integrates with other Windows services and apps, allowing for a streamlined experience when making purchases or accessing information.
Setting Up Microsoft Wallet
Step 1: Checking that Your Device is Compatible
Before installing Microsoft Wallet, ensure you have a compatible device running Windows 10 Mobile. Microsoft Wallet is designed for Windows 10 Mobile, so if you’re using Windows Phone or another version, you may not have access to this wallet.
Step 2: Downloading and Installing Microsoft Wallet
- Open the Microsoft Store on your Windows 10 Mobile device.
- Search for Microsoft Wallet in the search bar.
- Click on the app and select Install to download and install it on your device.
- Once installed, you’ll find the Microsoft Wallet app in your app drawer.
Step 3: Setting Up Microsoft Wallet
Once you have Microsoft Wallet installed, it’s time to set it up.
- Open the Microsoft Wallet app. The first time you open the app, you’ll be prompted to agree to the terms and conditions. Make sure to read them before proceeding.
- Add a Payment Method. After agreeing to the terms, you’ll be directed to add your payment method.
- Credit/Debit Card: To add a card, click on Credit/Debit cards. You’ll need to enter your card information manually or use your device’s camera to scan your card.
- Verification: Your bank may require additional verification to confirm your identity. Follow the prompts to complete this process.
- Add Loyalty or Membership Cards. You can also add loyalty cards to your wallet. Click on Loyalty Cards and select the option to scan or enter the information for your loyalty cards.
Using Microsoft Wallet
Making Payments
Once you’ve set up your Microsoft Wallet, you can start using it for payments.
- Locating a Merchant: Make sure that the merchant accepts NFC payments. Look for the contactless payment symbol at checkout.
- Selecting Your Payment Card: Open the Microsoft Wallet app and select the card you want to use for payment.
- NFC Payment: Hold your mobile device close to the contactless reader. If prompted, you may need to confirm the transaction with your PIN, fingerprint, or another form of authentication.
- Confirmation: After the payment is processed, you’ll receive a confirmation on your device, and you can retain a digital receipt if needed.
Using Loyalty and Membership Cards
- When making a purchase at a retailer where you have a loyalty card stored, open the Microsoft Wallet app.
- Select the loyalty card you want to use and show it to the cashier.
- If the store has a digital scanner, you can scan the QR or barcode directly from your screen.
- If using a physical card, simply provide your loyalty card information to the cashier, or show the card’s code for points or discounts.
Storing Tickets and Boarding Passes
- Open the Microsoft Wallet and navigate to the section for tickets or boarding passes.
- If you’ve received an e-ticket or boarding pass via email, you can often save it directly to your wallet by selecting it from your email and choosing the option to add it to Microsoft Wallet.
- When at the gate for a flight or event, open your wallet, select the ticket, and present it for scanning.
Security Features of Microsoft Wallet
Security is a major priority for Microsoft Wallet. Here’s a closer look at its safety protocols:
-
Encryption: Your financial data is encrypted, making it extremely difficult for unauthorized users to access your information.
-
Tokenization: Instead of using your actual card numbers for transactions, Microsoft Wallet employs tokenization. This means a unique token is generated for each transaction, ensuring that your real card details are never shared with merchants.
-
Two-Factor Authentication: In some cases, the wallet may require additional verification during login or transactions, protecting your information from unauthorized access.
-
Biometric Scanning: If your device supports it, you can enable biometric authentication (fingerprint or facial recognition) to quickly access Microsoft Wallet and authorize transactions.
Troubleshooting Common Issues
While Microsoft Wallet is designed to be user-friendly, you may encounter some common issues. Here are solutions to frequent problems:
Issue 1: Unable to Add a Card
- Solution: Ensure that your bank or card issuer is compatible with Microsoft Wallet. Some banks may still not support mobile wallets.
Issue 2: Payment Not Processed
- Solution: Check for a stable internet connection and ensure your card details are correct in the app. Sometimes, payment issues arise from connectivity problems.
Issue 3: Wallet Crashes
- Solution: If Microsoft Wallet crashes, try restarting your device. If problems persist, consider uninstalling and reinstalling the app or checking for system updates.
Issue 4: Loyalty Cards Not Scanning
- Solution: Make sure the card information is accurately entered in the wallet. If the barcode or QR code is not scanning correctly, you may need to manually provide the loyalty number to the cashier.
Best Practices for Using Microsoft Wallet
To maximize the benefits of Microsoft Wallet, keep the following best practices in mind:
-
Keep Your Software Updated: Regularly check for updates to both Windows 10 Mobile and the Microsoft Wallet app to ensure you have the latest features and security patches.
-
Review Transaction History: Periodically check your transaction history within the wallet to monitor your spending and ensure all charges are correct.
-
Secure Your Device: Always use a secure PIN, password, or biometric identification to lock your device and access Microsoft Wallet. This adds an additional layer of protection.
-
Stay Informed: Be sure to keep up-to-date with any changes from Microsoft regarding wallet features, partnerships, or security practices.
-
Utilize Loyalty Programs: Always add loyalty cards to your wallet to take advantage of discounts and rewards effortlessly.
Conclusion
Microsoft Wallet on Windows 10 Mobile is a powerful instrument that simplifies the process of managing payments, loyalty programs, and tickets. Its blend of convenience, security, and functionality makes it an invaluable tool for modern users. By taking the time to set it up properly and familiarize yourself with its features, you can make the most of this digital wallet, making your transactions smoother and more organized. With ongoing advancements in digital payment technologies, Microsoft Wallet is poised to play an essential role in how we conduct commerce through our mobile devices. Embracing this mobile wallet can lead to a more streamlined financial experience, placing all your important information at your fingertips.
Don’t wait to dive into the world of digital payments. With this guide, you’re now equipped to navigate Microsoft Wallet on Windows 10 Mobile confidently!
Written By
published
June 21, 2016
Microsoft Wallet gives Windows 10 Mobile customers a convenient and more secure way to pay
Today, we are excited to introduce tap to pay with Microsoft Wallet to Windows Insiders (build 14360 or higher) in response to feedback from our customers and through the help of our partnerships with MasterCard and Visa. Microsoft Wallet is a cloud-based payment technology that will make mobile payments simple and more secure for Windows 10 Mobile devices, starting in the U.S. with our Lumia 950, 950 XL and 650, and usable in over a million retail locations; anywhere you see the contactless payment symbol or the Microsoft Wallet logo at the point of sale.
In our increasingly mobile and busy world, our on-the-go customers want to pay for their everyday purchases without the hassle of digging through their physical wallet. In our digital stores today, whether it’s Xbox, Office or the Windows Store, our customers enjoy the ease of signing in with a Microsoft account and having their secured payment information on hand to quickly and more safely purchase products. Our customers have asked us to extend similar experiences to their phones and we are excited they can now enjoy easy, more secure transactions with Microsoft Wallet and tap to pay on their Windows 10 Mobile phone. To help making shopping a breeze, Microsoft Wallet also provides one convenient place to store reward and membership numbers so all customers have to do is reference or scan them right from their phone.
For an ongoing list of banks and credit unions supporting Microsoft Wallet and more details about features as they roll out, please visit microsoft.com/wallet.
We invite you to join the Windows Insider Program, try out the new Microsoft Wallet, and let us know what you think via the Feedback Hub.