Given the input sentence, please extract the subject and object containing a certain relation in the sentence according to the following relation types, in the format of "relation1: word1, word2; relation2: word3, word4". Relations include: product/material produced; manufacturer; distributed by; industry; position held; original broadcaster; owned by; founded by; distribution format; headquarters location; stock exchange; currency; parent organization; chief executive officer; director/manager; owner of; operator; member of; employer; chairperson; platform; subsidiary; legal form; publisher; developer; brand; business division; location of formation; creator.

Cho Min-kyung, a Seoul office worker who recently tried out Samsung Pay through her Galaxy S6 phone, said the service was convenient because it cuts out the hassle of having to carry around both her wallet and phone every time she heads out.

Answer: location_of_formation: Samsung, Seoul