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To use Samsung Pay, you simply swipe up from the bottom bezel of your phone.

It works from the home screen and, in a clever twist, when the phone's screen is off.

Samsung thinks it has a solution for that last problem, though, and predictably enough it's called "Samsung Pay." To fix the problem of ensuring that more stores will take mobile payments, Samsung turned to a clever piece of technology that lets you pay at most any terminal where you can swipe a credit card.

The trick comes thanks to a tiny coil that shoots out the same magnetic code that those readers normally get from your credit card.

Do not use the generated credit card numbers in any production system. Web shops monitors bounce credit cards and your IP address and shipping address are used to trace you.

(Samsung's executives weren't particularly concerned about any confusion that could stem from the fact that the same gesture is used to activate Google Now on other Android phones.) Samsung trotted a group of reporters over to a Dunkin' Donuts in New York to show it off and it worked so simply that there's not a whole lot to say — except that the swipe on the point-of-sale station was a little awkwardly placed. There are a few places where the MST technology won't work, namely any credit card reader that requires a physical trigger to activate the card read.

That means that ATMs and gas pumps won't really work with Samsung Pay, but most stores will.

Those problems are finally beginning to fade away thanks to wider adoption and simpler back-end systems, but they're not gone yet.

Even with Apple Pay, Google Wallet, and the soon-to-be-launched Android Pay, consumers can't be entirely sure that the little NFC icon they see at registers will guarantee that they can tap to pay.

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