{"id":3002,"date":"2018-05-12T15:30:09","date_gmt":"2018-05-12T15:30:09","guid":{"rendered":"https:\/\/inteligensa.com\/?p=3002"},"modified":"2018-05-12T15:34:25","modified_gmt":"2018-05-12T15:34:25","slug":"contactless-adios-al-fraude-tarjetas","status":"publish","type":"post","link":"https:\/\/test2.inteligensa.com\/en\/2018\/05\/12\/with-contactless-goodbye-to-card-fraud\/","title":{"rendered":"With contactless: Goodbye to card fraud?"},"content":{"rendered":"\"With<\/p>\n

One of the basic promises of credit cards is to offer security to their customers when making payments. However, fraudsters still question the effectiveness of banks to assure this promise, especially when you hand out your card to pay somewhere.<\/p><\/blockquote>\n

If you have a credit card, you should be familiar with different security measures. One of
\nthe most recent is contactless, a technology capable of increasing the shielding of your
\nbanking information, and which is already present in different Mexican banks.<\/p>\n

This is how contactless works on credit cards.<\/h4>\n

The word itself implies its main function: the lack of contact. With this basic premise,
\ndevices capable of making payments without direct contact have been developed. Although
\nthis technology has been in use in the world for some time now – according to MasterCard
\ndata, around 15% of all purchases in stores are made under this payment mechanism – in
\nMexico it is beginning to make its way.<\/p>\n

Compared to other countries in the region such as Brazil, Colombia and Chile, we
\nMexicans are still a bit leery of &quot;paying from the distance&quot; without a physical transaction
\nthat assures us that the payment is made correctly. However, paying without physical
\ncontact ideally reduces the risks of using direct contact methods: the magnetic strips of the
\ncards used to store easily removable information and although the credit cards already have
\na security chip, there is always the possibility of losing sight of the plastic during the
\npayment.<\/p>\n

In the case of contactless devices, these do not directly store the card&#39;s data, since they use a
\nprocess called tokenization in which the data is encrypted. There is a limit of operations and
\nafter that, the device information must be restarted.<\/p>\n

To pay through contactless there are two basic forms: the credit or debit card and\/or a
\nmobile application. They approach a terminal that exchanges information without contact
\n(neither with the card nor with the cardholder&#39;s mobile). The technologies that are used are
\nRFID, based on radiofrequency, or NFC, acronym for near field communication. The
\nprocedure to approve the purchase varies; in small purchases, less than 500 pesos, no extra
\nvalidation is required. In the case of major payments, there are options to check that the
\ncardholder is actually the one who makes the payment, among these options there is the use
\nof security codes, fingerprint or iris reading.<\/p>\n

Are you one of those who resist change? Good and bad news: very soon you will have no
\nchoice but to experiment and learn. The payment networks have already detected that we
\nare in the &quot;connected consumer&quot; era, since at the beginning of 2018 there were already
\nmore than 110 million mobile phones in the country, of which approximately 86% are
\nsmartphones, according to Visa data.<\/p>\n

Mastercard plans to introduce contactless mechanisms to pay with smartphones or
\nwearables worldwide, no later than 2023, for which the cards and payment terminals in
\nLatin America will begin updating. Visa will also push this mechanism and has already
\nstarted with the launch of its free Samsung Pay app, which already works in Mexico with
\nno direct relationship with any bank. In other parts of the world Apple Pay and Google Pay
\noperate, surely we will see them working in our country in a short time.<\/p>\n

In addition, in Mexico there are more and more banks that have this technology. For now
\nBBVA Bancomer, Citibanamex, Banorte and Banbaj\u00edo offer it directly. It is not handled in
\nall its products, so if you are a client of one of them and you are interested in trying it, you
\nshould contact your bank directly to check the availability and conditions of use.<\/p>\n

Don\u2019t you trust technology?<\/h4>\n

Contactless is a technology and an irreversible trend. The CGI Global Payments Research
\n2017 shows that by 2022 card payments that include this technology will be 58%, while the
\nuse of mobile applications will be 38%, at least in Europe, the United States and Canada.<\/p>\n

It is no coincidence that the industrialized countries are committed to this technology. The
\nmultiple levels of data protection offered by contactless complicate the task of cyber
\nscammers.<\/p>\n

Source:<\/strong> Forbes.com.mx<\/a>","protected":false},"excerpt":{"rendered":"

One of the basic promises of credit cards is to offer security to their customers when making payments. 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