giant Visa is to avoid losing positions market for means of payment, let alone the ever-growing ecommerce . Within ecommerce the fastest growing area is the m-commerce that with the increasingly widespread use of smartphones, mobile phones are no doubt more than a tool of payment / recovery due to the different technologies existing ( apps, gadgets and mainly NFC).
said, briefly, to comment on some of the developments of Visa in the field of means of payment and electronic commerce in general:
* First comment on the recent marketing of new product Visa, Codesure , by the Swiss bank Cornèr Bank. Visa card Codesure has an integrated keyboard that after the entry of a personal PIN, can generate keys from a single use due to teconologia OTP (on time passcode). This is a normal card that can be used on ATMs and shops, the same way as traditional or existing EMV cards. addition has been added to Visa's contactless technology (payWave) for certain payments also encourage low amount to pay where you just need to bring the card to a specific terminal. In this way, certain payments quick and easy, encouraging and consumption.
Codesure technology adds an extra layer of security to online transactions , because instead of using static password Verified by Visa (3D Secure), you can now generate a key single use to authenticate the transaction, which to commit fraud, it may take possession of the card and PIN to generate the one-time key.
This new type of card may also be used for telephone banking transactions more safely and for to access certain sites as a VPN network, among other many applications. Its potential is still untapped and is certainly an improvement, but I doubt use and marketing are fast, and we still have to repay / return on spending that has led the move to EMV cards. To this we must add that many regulations imposed SEPA that there are "many" who have not yet implemented, let alone the U.S., which seems reluctant to deploy technologies that are "made in USA." (See video)
* Second comment In2Pay system thanks to an agreement with the company DeviceFidelity, where they have developed a MicroSD card inserted in a case made as to the phone. This card acts as NFC which is activated through an application you installed on mobile . (See video)
* Third, talk of another m-commerce sector where Visa has a presence, which is none other than that of the famous apps. Visa has launched an application for free that helps you find stores to buy certain products. The application also helps you find the ATM closest to your position, all thanks to the power of geo-location.
is r ecibirán personalized offers based on options, where you can buy directly will move to online or local retailer indicated. addition to all this, the application sends you to real time all information about your transactions with Visa , so in case of possible fraud, you can act much faster, among other benefits. (See video example)
* Finally I would like to mention Righcliq , which is a tool as a plugin in the browser, which has been designed to improve and facilitate the online shopping experience . After many months in beta, where many tests were made, last summer was officially launched in USA where he still has not had the expected success. I myself have tested and although the idea and all the features are very good user experience is much room for improvement . Addition and there are other similar tools on the market that offer some of the services Righcliq, but I'm sure a brand as powerful as Visa, you can not only enhance this great idea, but can do a much better marketing and reach to market in more productive. I leave you with a video explaining where they are clearly all the features it offers this great "idea":
In conclusion , say once again we see the importance of media Payment in the development of electronic commerce in general and all its various forms in particular , because ... that serves you sell if you do not offer solutions to collect? ... among many of the different solutions offered and insurance providers will offer means of payment by themselves or in alliance with other great innovators of ecommerce ( anti-fraud tools, monitoring, geo-location, marketing tools both acquisition as retention, etc ).
This post fits well with the title of my blog, where: all converge with the Internet and trade address as a reference in the strategy.
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