Clipping of news on Brazilian Culture, Law and Citizenship
09/05/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Use your mobile phone or tablet as a credit card machine is already a reality. Small and medium retailers, service providers or even individuals can even dispense with the traditional machines for credit cards, replacing such equipment for their own mobile phone. It is a service released a month ago by PagSeguro - now owned by UOL.
"The PagSeguro developed this technology thinking of sellers who are unable to afford the costs involved in the acquisition and maintenance of machines credit card readers," explains project manager Uol, Igor Taquehara - who made a presentation on "The mobile as payment in Brazil ", held on the second day (May 8) of the 6th Congress Modern Consumer. Taquehara quoted as target the professionals, door to door salespeople and self-employed taxi drivers, hairdressers and the other sellers who require mobility to meet your clients.
How it works
To use your phone as a card machine, just that the seller make your registration on PagSeguro, download this free app and request digital reader tarjetas, which is inserted into the mobile device through the audio output. The consumer card is then read by the device and the transactions are effected.
The seller gets the credit directly into your checking account or credit card registered in PagSeguro. Purchases can be paid in up to 12 times, also benefiting consumers. To make transactions, the service contractor needs only a mobile phone or tablet with internet connection and systems Android or iOS.
Taquehara adds that the service does not charge membership or monthly fees, and does not require NCJP and other data requested by the suppliers of machines. With this, the UOL provides leverage sales and revenues from the retail segment of small and medium businesses, as well as providing services.
Note that the service is currently available for phone models: all iPhones, Samsung Galaxy, Samsung Nexus S, Samsung Galaxy S3, Samsung Galaxy S2, Motorola MotorolaDefy, Samsung Galaxy Ace, Samsung Galaxy Note 2 and Motorola XT910 MotorolaRazr .
Challenges
Although practical and inexpensive, this new form of business transaction also faces obstacles, such as trust the seller and the consumer. "Like any innovation, it is normal that the parties involved in the process take a while to assimilate and trust the service," reveals Taquehara. However, the project manager Uol claims to have a positive outlook on the acceptance of the tool on the market, due to the reliability PagSeguro offers sellers and buyers.
And the consumer?
According Taquehara, buyers should not enter the password of the credit card in the mobile phone seller. Moreover, the number of targeta and security code are automatically encrypted and sent to the department in charge of PagSeguro, making it impossible for these information is stored legibly in Mobile Marketer.
The project manager, however, warned that the possibility of fraud is equal to existing virtual shopping and conventional machine card. "The PagSeguro works closely with systems and resources that aim to detect and prevent criminal actions in this new service," says Taquehara stressing that any kind of fraud is properly compensated before the victims.
NFC - Near Field Communication
During the lecture, the manager of Uol took to advance the company's investment in technology also NFC transactions. Registered in PagSeguro, sellers can receive payments only approaching your device's mobile phone payer.
The service is available now as a way to test, however, it is expected that the tool will take a while to become popular in Brazil - since they are necessary conditions and technical compatibility between the devices involved, like Android system and proprietary technology to exchange for contact information. "We're checking the possibility of leading manufacturers of mobile handsets include the technology approach in devices without excessively increasing the cost of the product," says Taquehara.
Source: UOL - Modern Consumer
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This article was translated by an automatic translation system, and was therefore not reviewed by people.