Hr\u00f6\u00f0u\u00f0 framfarir rafr\u00e6nna vi\u00f0skipta hafa f\u00e6rt sm\u00e1s\u00f6lu g\u00edfurleg t\u00e6kif\u00e6ri, en \u00fea\u00f0 hefur einnig auki\u00f0 fl\u00f3ki\u00f0 \u00e1skorun sem n\u00e6r til allra stafr\u00e6nna s\u00f6lua\u00f0ila: a\u00f0 tryggja a\u00f0 kaupandinn s\u00e9 \u00ed raun korthafinn sem nota\u00f0ur er. <\/p>\n\n\n\n
\u00cd umhverfi \u00fear sem hver vi\u00f0skipti geta or\u00f0i\u00f0 fj\u00e1rhagsleg \u00e1h\u00e6tta, hefur sta\u00f0festing \u00e1 l\u00f6gm\u00e6ti vi\u00f0skiptavinarins or\u00f0i\u00f0 ein af stefnum\u00f3tandi sto\u00f0um hvers kyns stafr\u00e6nnar starfsemi. \u00deetta er vegna \u00feess a\u00f0 \u00feegar kaup eru ger\u00f0 me\u00f0 kreditkorti er alltaf vafi \u00e1 \u00fev\u00ed hver er a\u00f0 sl\u00e1 inn g\u00f6gnin. Ef vi\u00f0komandi er ekki raunverulegur korthafi getur hann m\u00f3tm\u00e6lt vi\u00f0skiptunum, vi\u00f0 \u00fatg\u00e1fubankann og valdi\u00f0 s\u00f6lua\u00f0ilanum beinu tapi. Retail, sem oft starfar me\u00f0 \u00fer\u00f6ngum framleg\u00f0, hefur ekki efni \u00e1 a\u00f0 bera \u00feessa tegund af tapi. <\/p>\n\n\n\n
Hef\u00f0 hefur verslanir sn\u00fai\u00f0 s\u00e9r a\u00f0 lausnum gegn svikum, sem meta m\u00f6rg merki vi\u00f0 \u00fatskr\u00e1ningu.\u00deessi verkf\u00e6ri greina CPF, kortag\u00f6gn, t\u00f6lvup\u00f3st, heimilisfang, heg\u00f0unars\u00f6gu, t\u00e6kjanotkun og hundru\u00f0 breyta sem samanlagt mynda \u00e1h\u00e6ttustig. <\/p>\n\n\n\n
Ef kerfi\u00f0 s\u00e9r \u00f3samr\u00e6mi er vi\u00f0skiptunum hafna\u00f0. Hins vegar er \u00feetta ferli ekki fullkomi\u00f0. L\u00f6gm\u00e6tum vi\u00f0skiptavinum er einnig banna\u00f0, s\u00e9rstaklega \u00feegar eitthva\u00f0 fer \u00fat fyrir sta\u00f0alinn, eins og gerist \u00feegar bankinn gefur \u00fat n\u00fdtt kort, e\u00f0a \u00feegar kaupandi skiptir \u00e1 fars\u00edma e\u00f0a heimilisfangi. Fyrir rafr\u00e6n vi\u00f0skipti hefur \u00fe\u00f6gult tekjutap af v\u00f6ldum rangra neikv\u00e6\u00f0ra bein \u00e1hrif \u00e1 upplifun vi\u00f0skiptavina: \u00feegar l\u00f6gm\u00e6tum kaupanda er hafna\u00f0 missir v\u00f6rumerki\u00f0 einnig tr\u00faver\u00f0ugleika. <\/p>\n\n\n\n
\u00deetta er \u00fear sem au\u00f0kenningart\u00e6kni byrjar a\u00f0 ver\u00f0a \u00e1berandi. 3D Secure Protocol (3DS), til d\u00e6mis, gerir \u00fatg\u00e1fubankanum sj\u00e1lfum kleift a\u00f0 sta\u00f0festa kaupandann. Vi\u00f0skiptavininum er beint \u00ed app bankans, f\u00e6r \u00fdtt e\u00f0a SMS og sta\u00f0festir vi\u00f0skiptin. \u00deetta vi\u00f0b\u00f3tarskref skapar \u00f3tv\u00edr\u00e6\u00f0a s\u00f6nnun fyrir \u00fev\u00ed a\u00f0 \u00fea\u00f0 s\u00e9 handhafinn sem er a\u00f0 kaupa, vernda verslunina gegn framt\u00ed\u00f0argrei\u00f0slum. <\/p>\n\n\n\n
Hins vegar, jafnvel me\u00f0 \u00fer\u00f3uninni \u00ed \u00fatg\u00e1fu 2.0, \u00fatf\u00e6rir hver banki \u201cdefio\u201d \u00e1 \u00feann h\u00e1tt, sem hefur bein \u00e1hrif \u00e1 upplifunina. Sum fl\u00e6\u00f0i eru hra\u00f0ari og lei\u00f0andi, taka nokkrar sek\u00fandur a\u00f0 sannvotta notandann. A\u00f0rir eru enn rugla\u00f0ir og illa a\u00f0laga\u00f0ir a\u00f0 fars\u00edma, sem getur valdi\u00f0 n\u00faningi og yfirgefa kerru. <\/p>\n\n\n\n
G\u00f3\u00f0u fr\u00e9ttirnar eru \u00fe\u00e6r a\u00f0 \u00fatg\u00e1fa 2.0 leyfir hlj\u00f3\u00f0lausa au\u00f0kenningu, \u00e1n n\u00fanings vi\u00f0 neytandann. \u00cd \u00feessu l\u00edkani sendir verslunin fleiri g\u00f6gn til bankans, sem getur sj\u00e1lfkrafa sam\u00feykkt hluta kaupanna \u00e1n truflana og bei\u00f0ni um \u00e1skorunina, var\u00f0veitt reynsluna og \u00e1 sama t\u00edma auki\u00f0 \u00f6ryggi. <\/p>\n\n\n\n
St\u00f3ri kosturinn vi\u00f0 \u00feessa au\u00f0kenningu er s\u00edmtali\u00f0 \u00e1byrg\u00f0arbreyting<\/em>. \u00deegar vi\u00f0skiptin eru sta\u00f0fest af bankanum h\u00e6ttir \u00e1byrg\u00f0in \u00e1 hugsanlegri endurgrei\u00f0slu vegna svika a\u00f0 vera kaupma\u00f0ur og ver\u00f0ur \u00fatg\u00e1fubankinn. \u00deetta dregur \u00far rekstrar\u00e1h\u00e6ttu og b\u00e6tir fj\u00e1rhagslega fyrirsj\u00e1anleika, tveir nau\u00f0synlegir \u00fe\u00e6ttir fyrir vaxandi fyrirt\u00e6ki. <\/p>\n\n\n\n \u00d6nnur \u00fer\u00f3un sem hefur veri\u00f0 a\u00f0 sameinast \u00e1 marka\u00f0num er notkun andlitsl\u00edffr\u00e6\u00f0i sem vi\u00f0b\u00f3tarlag af au\u00f0kenningarsta\u00f0festingu. Lausnir eins og IDPay, fr\u00e1 Unico, n\u00fdta s\u00e9r gagnagrunninn sem b\u00fainn er til vi\u00f0 opnun reikninga \u00ed stafr\u00e6num b\u00f6nkum og st\u00f3rum sm\u00e1s\u00f6lua\u00f0ilum til a\u00f0 b\u00faa til stafr\u00e6nt au\u00f0kennisnet. <\/p>\n\n\n\n \u00deegar vi\u00f0skiptavinurinn byrjar a\u00f0 kaupa, me\u00f0 \u00fev\u00ed a\u00f0 nota \u00feennan eiginleika, getur kerfi\u00f0 sta\u00f0fest hvort andliti\u00f0 sem fars\u00edminn fangar samsvarar CPF sem nota\u00f0 er vi\u00f0 kaupin og hvort \u00feetta sama andlit s\u00e9 handhafi kortsins sem nota\u00f0 er \u00ed vi\u00f0skiptunum. <\/p>\n\n\n\n \u00deetta ferli gerist \u00e1 nokkrum sek\u00fandum og er venjulega notendav\u00e6nna en 3DS au\u00f0kenningar\u00e1skorunarfl\u00e6\u00f0i sumra \u00fatgefenda, s\u00e9rstaklega \u00ed b\u00f6nkum sem eru ekki enn me\u00f0 kerfi sem eru vel a\u00f0l\u00f6gu\u00f0 fars\u00edmaumhverfinu. Auk \u00feess a\u00f0 auka n\u00e1kv\u00e6mni sta\u00f0festingar gerir \u00feessi n\u00e1lgun kaupmanninum kleift a\u00f0 sam\u00feykkja vi\u00f0skipti sem hef\u00f0bundin svik gegn svikum myndu hafna. Og ef um framt\u00ed\u00f0ardeilur er a\u00f0 r\u00e6\u00f0a, gefur l\u00edffr\u00e6\u00f0ileg t\u00f6lfr\u00e6\u00f0i \u00f6flugar v\u00edsbendingar um a\u00f0 \u00fea\u00f0 hafi veri\u00f0 handhafinn sj\u00e1lfur sem kl\u00e1ra\u00f0i kaupin. <\/p>\n\n\n\n Fyrir fyrirt\u00e6ki sem vilja st\u00e6kka \u00e1 \u00f6ruggan h\u00e1tt er skilvirkasta lei\u00f0in a\u00f0 sameina og skipuleggja mismunandi verkf\u00e6ri, svik gegn svikum, 3DS og l\u00edffr\u00e6\u00f0ileg t\u00f6lfr\u00e6\u00f0i sta\u00f0festing. Hj\u00e1 Tuna h\u00f6fum vi\u00f0 tilvik \u00fear sem innlei\u00f0ing n\u00fdrra verkf\u00e6ra j\u00f3k sam\u00feykki um meira en 20% me\u00f0 \u00fev\u00ed a\u00f0 draga \u00far \u00f3tilhl\u00fd\u00f0ilegum h\u00f6fnun. <\/p>\n\n\n\n \u00deetta sam\u00fe\u00e6tta vistkerfi dregur \u00far \u00e1h\u00e6ttu, eykur sam\u00feykki og verndar upplifun vi\u00f0skiptavina. \u00c1 samkeppnismarka\u00f0i me\u00f0 \u00fer\u00f6nga framleg\u00f0 er \u00e1rei\u00f0anleiki kaupenda ekki lengur bara \u00f6ryggisr\u00e1\u00f0st\u00f6fun: \u00fea\u00f0 ver\u00f0ur nau\u00f0synleg stefna til a\u00f0 kn\u00fdja fram umbreytingu, tryggja sj\u00e1lfb\u00e6rni \u00ed rekstri og byggja upp traust \u00e1 hverju skrefi. af stafr\u00e6nu fer\u00f0inni. <\/p>","protected":false},"excerpt":{"rendered":" O avan\u00e7o acelerado do com\u00e9rcio eletr\u00f4nico trouxe oportunidades enormes para o varejo, mas tamb\u00e9m ampliou a complexidade de um desafio que atinge todos os lojistas digitais: garantir que o comprador […]<\/p>\n","protected":false},"author":219,"featured_media":85681,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35,36],"tags":[47,68,43],"class_list":["post-90104","post","type-post","status-publish","format-standard","has-post-thumbnail","category-artigos","category-dicas-artigos","tag-artigos","tag-dicas","tag-e-commerce"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/posts\/90104","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/users\/219"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/comments?post=90104"}],"version-history":[{"count":0,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/posts\/90104\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/media\/85681"}],"wp:attachment":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/media?parent=90104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/categories?post=90104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/tags?post=90104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}