Compras seguras.
Author | Thomson, Adam |
Position | Tarjetas de credito, Am |
Visa ensaya un programa en América Latina para que las compras con tarjeta de crédito en la Internet sean seguras.
Cuando Orlando Garcia, gerente de Visa International en Colombia, compró un pasaje de avión desde Barranquilla a través de la Internet, hizo que su país entrara de lleno en la era de las transacciones seguras en línea.
Credibanco Visa, filial colombiana de la empresa estadounidense de tarjetas de crédito, puso en práctica en Sudamérica uno de los primeros sistemas que aseguran que los consumidores puedan comprar productos y servicios a través de la Internet sin preocuparse de que la información de sus tarjetas de crédito caiga en manos de piratas informáticos. Los consumidores de todo el mundo expresan esa inquietud, mientras los minoristas electrónicos, los bancos y las empresas de tarjetas de crédito buscan la forma de erradicar todo tipo de fraude del comercio en la Internet.
El uso generalizado de las tarjetas de crédito en América Latina es algo relativamente reciente y los analistas afirman que ampliar su alcance es vital para promover las compras en línea en la región. "En estos momentos la seguridad es la mayor preocupación de los colombianos que quieren usar sus tarjetas para comprar productos y servicios en la Internet", afirmó García.
El nuevo sistema, que tiene como plataforma el estándar universal del sector Transacción Electrónica Segura (SET, por sus siglas en inglés), establece un vínculo triangular entre los tarjetahabientes, los minoristas y sus bancos respectivos a través de un servidor informático propiedad de Visa. Los servidores de Visa codifican la información, que nunca llega al minorista sino que va directamente al servidor de Visa para la aprobación de la transacción y el pago al vendedor.
Para usar el sistema, tanto los tarjetahabientes como los negocios deben tener un programa...
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