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Shopping payment via smartphone arrives in Brazil

03/30/2015

This article was translated by an automatic translation system, and was therefore not reviewed by people.




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After debunking the check in consumer preference, the plastic card is beginning to be threatened. He arrived in Brazil the technology that allows payment for purchases in physical stores through smartphones.

Instead of inserting or swiping the card in the machine, the customer approaches the cell of a player with Near Field Communication (NFC) technology. Initially available only for phones with Android system, the news was released this week by the Bank of Brazil and is true for loans as debt.

Unlike other countries, where payments by mobile phones use mobile credits, the solution adopted by the Bank of Brazil (BB) uses virtual cards linked to the physical card. Through Ourocard and, application available on the Android system, the account holder can create as many virtual cards you want, all linked to the customer's plastic card and without the collection of annual nature, which applies only to the main card.

The maturity of the bill, the benefits and attributes of virtual cards follow the main card. "This is a pioneering technology worldwide," says Vice President of Retail Business of the Bank of Brazil, Raul Moreira. Since last year, the bank offers virtual cards for purchases in electronic sites. The tool has now been extended to physical stores.

The purchase through NFC technology works as follows: the shopkeeper tells the purchase price on the machine. Instead of handing the card with your details to the seller, the customer opens the application, choose the virtual card you want to use and the method of payment (credit or debit). To complete the transaction, the buyer approaches the reader of the cell, enter the card password and expects to issue the voucher. Purchases below R $ 50 do not require the password.

According to Moreira, the technology poses no risk of cloning. When making a payment, the system sends the machine a security key that eliminates any possibility of customer card number capture. "Security is the same chip installed on plastic cards. To the merchant NFC technology reduces the queues at the boxes because the transactions are faster than the traditional system, "he explains.

To avoid setbacks in case you lose your phone, you should follow the standard procedures for the smartphone loss. Just enter a secure password for the device, so that the thief can not unlock it, or program the remote disabling smartphone.

In the first stage, the novelty is only available to customers with Ourocard VISA. In May, the Bank of Brazil customers with Elo cards can also create virtual cards. Although the technology is at an early stage, BB's vice president says that 70% of terminals at points of sale are prepared to NFC technology. "In the US, only 15% of the machines are adapted to NFC", compare.

Raul Moreira says that the bank intends to extend the technology to smartphones with the iOS systems (Apple) and Windows Phone. However, there is still no date for the functionality to be incorporated into these devices. "We decided to give priority to Android, which accounts for 80% of the Brazilian market of smartphones. The use of the tool requires defining iPhones that Apple intends to adopt solution for NFC "he says.

A week ago using the virtual card on your smartphone, the engineer Guilherme Rodrigues, 31, adopted the technology. "In addition to speed up the payment, I think more secure than traditional card because the risk of cloning is lower," he says. He said the biggest difficulty so far has taken place with tenants who can not operate the NFC: "It is a temporary issue that will be resolved when traders get used to the system."

To use the technology, you must have an Android phone with NFC function.
The phone should still have minimal operating system Kat Kit 4.4.2 and mobile Internet access or wi-fi.



Source: Agency Brazil

To access the site Agency Brazil, click here.

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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