Intelligent use of virtual cards for online payment

Virtual cards have emerged as a safety alternative for credit cards to resolve the security concern of online shoppers. To fill in the 16-digit virtual card numbers on the websites of online merchants, online shoppers complete the online payment procedure easy and safe. According to the “Asia-Pacific Online Payment Methods 2012” report by yStats.com – the Hamburg-based secondary market research specialist, credit cards were the most popular form of online payment in various countries of Asia-Pacific region in 2012 but many consumers in this region did not have confidence in online payment methods due to safety concerns and mistrust of online retailers.

The primary purpose of introducing virtual cards in the market is to protect the original credit card from hackers during the online transaction process or from the risk of misusing real credit card information by dishonest online retailers. It is because a virtual card is a non-plastic credit card or debit card specially designed for online transaction. Without a physical form, a virtual card is a temporary 16-digit number that can work like the same as real credit card numbers to pay for online transaction.

Credit card companies offer different kinds of virtual cards for customers. Some virtual cards are connected to the card holders’ existing accounts but cardholders simply use an alternate virtual credit card number for online purchase. Other virtual cards are issued in form of a prepaid, disposable Visa card carrying numbers for use in online shopping at any shopping portals accepting Visa. Not only can personal credit card owners benefit from the use of virtual cards, companies can make use of virtual cards for online purchases from overseas vendors. For more details about various kinds of virtual cards, please email us atinfo@paymentasia.com.

 

明智啟動虛擬卡進行網上支付

虛擬卡的出現,可以代替信用卡成為另一種安全的網上支付方法,解除了網上購物人士對網上支付的安全疑慮。用戶只需在購物網站填上一組16位數字的虛擬卡號碼,便可以安全便捷地完成網上購物的繳款程序。根據德國漢堡市的第二市場研究專家yStats.com公佈的「2012亞太區網上支付方法」報告,在2012年,信用卡仍然是亞太區許多國家的最受歡迎網上支付方法,然而很多消費者礙於安全的考慮及對網上零售商的誠信存疑,依然對各種網上支付方法缺乏信心。

在市場上推出虛擬卡的主要目的,是要保障信用卡用戶在進行網上交易的過程中,避免因受黑客的入侵而令信用卡的資料外洩,或免遭不良網上零售商竊取資料作非法用途。由於虛擬卡是專為網上交易而設,並不是一般的實體塑膠信用卡或借記卡,而只是供用戶暫時使用的一組16位數字,卻可以像信用卡號碼一樣用來支付網上交易。

市面上的信用卡發卡機構,為用戶提供各種虛擬卡。部份虛擬卡雖然與用戶的信用卡賬戶連結一起,然而用戶另獲發虛擬信用卡號碼以進行網上購物。另一些虛擬卡則由發卡機構以預付卡的形式發給用戶,當有關金額用完後便可丟棄,方便用戶在任何接納信用卡繳款的購物網站進行網上採購。虛擬卡不單方便個人信用卡戶使用,企業客戶亦可利用虛擬卡向海外供應商採購貨品。要了解更多關於虛擬卡的詳情,請發電郵至info@paymentasia.com與我們聯絡。

Mobile makes its mark on the growth of digital wallets

With the innovative development of mobile devices and payment technology, the term “digital wallet” is increasingly used to describe using mobile devices, especially smartphones, to store a user’s credentials for making payment directly at the retailer’s point of sale terminal installed with wireless technologies such as near field communications (NFC). To cope with the thriving growth of the smartphone-enabled digital wallet, manufacturers of mobile devices begin to incorporate NFC technology into smartphones.

Besides, various stakeholders in the market have deployed resources to launch their respective digital wallets to expand market shares of mobile payment in full swing. Visa Inc. took the lead in launching a digital wallet that allowed card holders to make purchase with a swipe of their smartphones in 2011. MasterCard Worldwide followed suit and introduced a digital wallet in the form of a mobile payment system designed to accelerate consumer purchase online or via mobile apps in 2012. Entering the year 2013, Alipay launched the Alipay Wallet mobile app that could electronically store and manage payment methods including credit cards, gift cards and discount coupons, enabling consumers to purchase goods and services using their smartphones. Sina Corp. has also rendered the Weibo Wallet service to allow all users of Sina’s Weibo microblogging platform to make online purchases and money transfers.

To counteract users’ security concern about using mobile devices as digital wallets, a lot of digital wallet technologies have offered robust security features including remote locking, data encryption, memory protection and password setup to protect users’ financial and personal credentials from unauthorized access. To learn more about digital wallet technologies, please contact our team via email atinfo@paymentasia.com.

 

移動裝置促進電子錢包蓬勃發展

隨著移動裝置和支付科技的創新發展,電子錢包已逐漸被界定為利用移動裝置尤其是智能手機來支付的電子繳款方式。用戶只需將個人的支付資料儲存在智能手機,把智能手機在裝設了無線科技例如近場通訊(NFC)的銷售終端機上輕拍一下,便可完成支付程序。各大移動裝置生產商為配合智能手機軀動的電子錢包來年的蓬勃發展,亦開始陸續為投產的智能手機配置近場通訊技術。

此外,市場上各持份者亦已經重新調配資源,爭相推出自家品牌的電子錢包,以便盡快擴大移動支付的市場份額。2011年,Visa率先推出可用智能手機付款的電子錢包,讓信用卡用戶在購物付款時,只需將智能手機在銷售終端機前輕拍一下即可繳款。MasterCard亦在2012年推出處理移動支付的電子錢包服務,加快消費者在網上購物或以移動程式購物時的繳款程序。踏入2013年,支付寶宣佈推出支付寶錢包移動程式,讓用戶可透過智能手機以電子化方式儲存和管理信用卡、禮品卡及折扣優惠券等不同支付方法,方便用戶購買產品及服務時以智能手機付款。此外,新浪公司亦已經為所有新浪微博平台的用戶提供微博錢包服務,使用戶可以在網上進行採購及匯款交收。

為了釋除用戶以移動裝置作為電子錢包在保護個人資料上的疑慮,許多電子錢包科技已經提供各種功能強大的安全裝備,包括遠程鎖機、數據加密、內置記憶體保護及設定密碼等,防止用戶遭未經授權人士冒充身份竊取相關財務及個人資料。要了解更多關於電子錢包科技,請電郵至info@paymentasia.com與我們的專責團隊聯絡。