Pa\u0101trin\u0101t\u0101 e-komercijas att\u012bst\u012bba ir devusi milz\u012bgas iesp\u0113jas mazumtirdzniec\u012bbai, ta\u010du t\u0101 ir ar\u012b palielin\u0101jusi izaicin\u0101juma sare\u017e\u0123\u012bt\u012bbu, kas sasniedz visus digit\u0101los tirgot\u0101jus: nodro\u0161in\u0101t, ka pirc\u0113js patie\u0161\u0101m ir izmantotais kartes \u012bpa\u0161nieks. <\/p>\n\n\n\n
Vid\u0113, kur katrs dar\u012bjums var k\u013c\u016bt par finansi\u0101lu risku, klienta le\u0123itimit\u0101tes autentifik\u0101cija ir k\u013cuvusi par vienu no jebkuras digit\u0101l\u0101s darb\u012bbas strat\u0113\u0123iskajiem p\u012bl\u0101riem Tas ir t\u0101p\u0113c, ka, veicot pirkumu ar kred\u012btkarti, vienm\u0113r rodas \u0161aubas par to, kur\u0161 ieraksta datus Ja persona nav \u012bstais kartes \u012bpa\u0161nieks, vi\u0146\u0161 var apstr\u012bd\u0113t dar\u012bjumu, ar izdev\u0113jbanku un rad\u012bt tie\u0161us zaud\u0113jumus tirgot\u0101jam Mazumtirdzniec\u012bba, kas bie\u017ei darbojas ar \u0161aur\u0101m mar\u017e\u0101m, nevar at\u013cauties uz\u0146emties \u0161\u0101da veida zaud\u0113jumus. <\/p>\n\n\n\n
Tradicion\u0101li veikali ir piev\u0113rsu\u0161ies kr\u0101p\u0161anas apkaro\u0161anas risin\u0101jumiem, kas kases laik\u0101 nov\u0113rt\u0113 vair\u0101kus sign\u0101lus. \u0160ie r\u012bki analiz\u0113 CPF, kar\u0161u datus, e-pastu, adresi, uzved\u012bbas v\u0113sturi, ier\u012bces lietojumu un simtiem main\u012bgo, kas kop\u0101 rada riska r\u0101d\u012bt\u0101ju. <\/p>\n\n\n\n
Ja sist\u0113ma saskata neatbilst\u012bbas, dar\u012bjums tiek atteikts Tom\u0113r \u0161is process nav ide\u0101ls Ar\u012b likum\u012bgajiem klientiem tiek liegts, it \u012bpa\u0161i, ja kaut kas iziet \u0101rpus standarta, k\u0101 tas notiek, bankai izsniedzot jaunu karti, vai pirc\u0113jam apmainoties ar mobilo t\u0101lruni vai adresi.E-komercijai viltus negat\u012bvu rezult\u0101tu rad\u012btais klusais ie\u0146\u0113mumu zaud\u0113jums tie\u0161i ietekm\u0113 klienta pieredzi: kad likum\u012bgam pirc\u0113jam tiek atteikts pirkums, z\u012bmols ar\u012b zaud\u0113 uzticam\u012bbu. <\/p>\n\n\n\n
\u0160eit s\u0101k izcelties autentifik\u0101cijas tehnolo\u0123ijas Piem\u0113ram, 3D Secure Protocol (3DS) \u013cauj pa\u0161ai izdev\u0113jbankai valid\u0113t pirc\u0113ju Klients tiek novirz\u012bts uz bankas lietotni, sa\u0146em push vai SMS un apstiprina dar\u012bjumu \u0160is papildu solis rada nep\u0101rprotamu pier\u0101d\u012bjumu tam, ka tie\u0161i tur\u0113t\u0101js veic pirkumu, pasarg\u0101jot veikalu no n\u0101kotnes maksas atmaks\u0101m. <\/p>\n\n\n\n
Tom\u0113r pat ar evol\u016bciju uz versiju 2.0 katra banka ievie\u0161 \u201cdefio\u201d t\u0101d\u0101 veid\u0101, kas tie\u0161i ietekm\u0113 pieredzi. Da\u017eas pl\u016bsmas ir \u0101tr\u0101kas un intuit\u012bv\u0101kas, un lietot\u0101ja autentifik\u0101cija aiz\u0146em da\u017eas sekundes. Citi joproj\u0101m ir apmulsu\u0161i un slikti piel\u0101goti mobilaj\u0101m ier\u012bc\u0113m, kas var rad\u012bt berzi un groza pame\u0161anu. <\/p>\n\n\n\n
Lab\u0101 zi\u0146a ir t\u0101, ka versija 2.0 \u013cauj klusu autentifik\u0101ciju, bez berzes ar pat\u0113r\u0113t\u0101ju \u0160aj\u0101 model\u012b veikals nos\u016bta vair\u0101k datu bankai, kas var autom\u0101tiski apstiprin\u0101t da\u013cu no pirkumiem bez p\u0101rtraukuma un izaicin\u0101juma piepras\u012bjuma, saglab\u0101jot pieredzi un vienlaikus palielinot dro\u0161\u012bbu. <\/p>\n\n\n\n
\u0160\u012bs autentifik\u0101cijas liel\u0101 priek\u0161roc\u012bba ir zvans atbild\u012bbas mai\u0146a<\/em>. Kad banka apstiprina dar\u012bjuma autentiskumu, atbild\u012bba par iesp\u0113jamu atmaksu par kr\u0101p\u0161anu p\u0101rst\u0101j b\u016bt komersantam un k\u013c\u016bst par izdev\u0113jbanku. Tas samazina operacion\u0101lo risku un uzlabo finan\u0161u paredzam\u012bbu, kas ir divi b\u016btiski elementi augo\u0161ajiem uz\u0146\u0113mumiem. <\/p>\n\n\n\n V\u0113l viena tendence, kas ir nostiprin\u0101jusies tirg\u016b, ir sejas biometrijas izmanto\u0161ana k\u0101 papildu identit\u0101tes valid\u0101cijas sl\u0101nis. Risin\u0101jumi, piem\u0113ram, IDPay no Unico, izmanto datu b\u0101zes priek\u0161roc\u012bbas, kas izveidotas kontu atv\u0113r\u0161anas laik\u0101 digit\u0101laj\u0101s bank\u0101s un lielos mazumtirgot\u0101jos, lai izveidotu digit\u0101l\u0101s identit\u0101tes t\u012bklu. <\/p>\n\n\n\n Klientam uzs\u0101kot pirkumu, izmantojot \u0161o funkciju, sist\u0113ma var apstiprin\u0101t, vai mobil\u0101 t\u0101lru\u0146a fiks\u0113t\u0101 seja atbilst pirkumam izmantotajam CPF un vai \u0161\u012b pati seja ir dar\u012bjum\u0101 izmantotais kartes \u012bpa\u0161nieks. <\/p>\n\n\n\n \u0160is process notiek da\u017eu sekun\u017eu laik\u0101 un parasti ir lietot\u0101jam draudz\u012bg\u0101ks nek\u0101 da\u017eu emitentu 3DS autentifik\u0101cijas izaicin\u0101juma pl\u016bsmas, jo \u012bpa\u0161i bank\u0101s, kur\u0101s v\u0113l nav mobilajai videi labi piel\u0101gotu sist\u0113mu Papildus valid\u0101cijas precizit\u0101tes palielin\u0101\u0161anai \u0161\u012b pieeja \u013cauj tirgot\u0101jam apstiprin\u0101t dar\u012bjumus, kurus tradicion\u0101l\u0101 kr\u0101p\u0161anas apkaro\u0161ana noraid\u012btu Un turpm\u0101k\u0101s apstr\u012bd\u0113\u0161anas gad\u012bjumos biometrija sniedz sp\u0113c\u012bgus pier\u0101d\u012bjumus tam, ka pirkumu pabeidza pats tur\u0113t\u0101js. <\/p>\n\n\n\n Uz\u0146\u0113mumiem, kas v\u0113las veikt m\u0113rogu dro\u0161i, visefekt\u012bv\u0101kais veids ir apvienot un organiz\u0113t da\u017e\u0101dus r\u012bkus, kr\u0101p\u0161anas apkaro\u0161anu, 3DS un biometrisko valid\u0101ciju Uz\u0146\u0113mum\u0101 Tuna mums ir gad\u012bjumi, kad jaunu r\u012bku ievie\u0161ana palielin\u0101ja apstiprin\u0101jumu par vair\u0101k nek\u0101 20%, samazinot nepamatotus noraid\u012bjumus. <\/p>\n\n\n\n \u0160\u012b integr\u0113t\u0101 ekosist\u0113ma samazina risku, palielina apstiprin\u0101juma r\u0101d\u012bt\u0101jus un aizsarg\u0101 klientu pieredzi. Konkur\u0113tsp\u0113j\u012bg\u0101 tirg\u016b ar ierobe\u017eot\u0101m pe\u013c\u0146as norm\u0101m pirc\u0113ja autentiskums vairs nav tikai dro\u0161\u012bbas pas\u0101kums: t\u0101 k\u013c\u016bst par b\u016btisku strat\u0113\u0123iju, lai veicin\u0101tu p\u0101rveidi, nodro\u0161in\u0101tu darb\u012bbas ilgtsp\u0113j\u012bbu un veidotu uztic\u012bbu katr\u0101 digit\u0101l\u0101 ce\u013cojuma posm\u0101. <\/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\/lv\/wp-json\/wp\/v2\/posts\/90104","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ecommerceupdate.com.br\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ecommerceupdate.com.br\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/lv\/wp-json\/wp\/v2\/users\/219"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/lv\/wp-json\/wp\/v2\/comments?post=90104"}],"version-history":[{"count":0,"href":"https:\/\/www.ecommerceupdate.com.br\/lv\/wp-json\/wp\/v2\/posts\/90104\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/lv\/wp-json\/wp\/v2\/media\/85681"}],"wp:attachment":[{"href":"https:\/\/www.ecommerceupdate.com.br\/lv\/wp-json\/wp\/v2\/media?parent=90104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/lv\/wp-json\/wp\/v2\/categories?post=90104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/lv\/wp-json\/wp\/v2\/tags?post=90104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}