Clipping of news on Brazilian Culture, Law and Citizenship
06/25/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Mobility is betting technology vendors to facilitate the day to day
São Paulo - Forgot to pay the carpenter or the maid, who shall not have a bank account? Is traveling when the child asks certain amount of money? Or need to authorize financial transactions as financial manager of the company? All this will be made easier with the use of cell phones to authorize transactions.
Terminal withdrawal of itautec: just holding the phone and put the index finger
Publicity photo
The solution is already used by about 300 thousand clients of Caixa Economica Federal. The bank uses technology provided by Diebold, which allows registering a mobile device to permit operations.
Communication between mobile terminal and works by QR Code bar code scanned by camera phone. The functionality is provided within the application the bank's mobile device.
When the user makes a transfer, the information about the transaction is sent to the phone, and he may or may not authorize the transaction.
"We assume that sometimes you may be without the wallet, but it certainly will not be without the phone," says Rafael Costa, security analyst Gas Technology company Diebold.
In the case of looting the distance, the user registers a value, which can be cashed at any bank branch. It will generate a token (security code), which will be sent to the phone who will withdraw the value, and will be valid for only one transaction.
The same technology is also betting Wincor, which uses an approximation (NFC) in the case of devices with the Android operating system and QR Code for Apple devices. "We believe that will be the next investment banks after biometrics," says the company's CEO, Inon Neves.
Future uses
The solution may also be used to provide exceptional drawings. For example, when the bank customer exceed the daily withdrawal limit, banks can identify it through the cell, and allow more operations.
In addition, investors may create a 'trigger' in which allow the purchase of shares in the broker when they reach certain value. When the value is registered, it can receive notification in your phone and decide whether to authorize the operation.
One use can also be in food courts. The user can choose the menu before arriving at the site by phone. The machine, which may be prorated by including restaurants, just holding the phone to pay for the meal, and thus save time, queues and even manpower. The same use can also serve in cinemas.
Security
The aim is to facilitate the user's life safely, which can even be extended. When fraud happens in terminals, using phone to authorize the transaction, which is sent directly to the bank, hampering the attack to succeed.
In addition, the user can quickly checking unauthorized transactions to receive them on your cell phone, and prevent your card from being blocked by the bank.
In case of theft of the device, it may be unsubscribed in a manner similar to a credit card.
In the terminal just to serve developed by Itautec, and suitable for environments such as drive thrus and transportation, transaction time decreases by a third.
This is because the terminal interface migrated to the mobile screen, which is approximately the box to complete the transaction. The user then places his finger on the biometric reader to complete it.
Source: The Day - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.