{"id":725,"date":"2022-08-26T00:00:00","date_gmt":"2022-08-26T00:00:00","guid":{"rendered":"http:\/\/idlayr-com.stackstaging.com\/2022\/08\/26\/verify-payments-sca\/"},"modified":"2024-03-05T13:19:54","modified_gmt":"2024-03-05T13:19:54","slug":"verificar-los-pagos-sca","status":"publish","type":"post","link":"https:\/\/idlayr.com\/es\/blog\/verificar-los-pagos-sca\/","title":{"rendered":"Libere a sus clientes de los lectores de tarjetas con PIN: ahora hay una forma mejor de verificar el acceso a la cuenta y autorizar las transferencias bancarias."},"content":{"rendered":"<p id=\"\"><strong id=\"\">Los lectores de tarjetas PIN son caros, engorrosos y obligan a los clientes a asumir la responsabilidad de la autenticaci\u00f3n. \u00bfPor qu\u00e9 no mantener la garant\u00eda de un factor de posesi\u00f3n f\u00edsica, pero perder la mala experiencia del cliente? IDlayr presenta una nueva soluci\u00f3n que utiliza la tarjeta SIM emitida por la red para verificar la posesi\u00f3n del tel\u00e9fono m\u00f3vil.<\/strong><\/p>\n<p>\u200d<\/p>\n<p id=\"\">El fraude en los pagos ha <a id=\"\" href=\"https:\/\/www.merchantsavvy.co.uk\/payment-fraud-statistics\/\">triplicado<\/a> en la \u00faltima d\u00e9cada. El fraude de \"tarjeta no presente\" (CNP) es, con mucho, el m\u00e9todo m\u00e1s com\u00fan, ya que las credenciales de las tarjetas de pago son una forma de conocimiento que puede robarse mediante phishing o ataques de intermediario (MITM).<\/p>\n<p>\u200d<\/p>\n<p id=\"\">Para cumplir con normativas como la PSD2 en Europa, y la SCA (Strong Customer Authentication) del Reino Unido, algunos bancos env\u00edan lectores de tarjetas a los clientes para confirmar su posesi\u00f3n.<\/p>\n<p>\u200d<\/p>\n<p id=\"\">Sin embargo, los lectores de tarjetas PIN distan mucho de ser una soluci\u00f3n ideal: enviar piezas individuales de hardware es costoso, lleva mucho tiempo y complica enormemente la experiencia del usuario. Adem\u00e1s, obliga a los usuarios a responsabilizarse de su propia seguridad.<\/p>\n<p>\u200d<\/p>\n<p id=\"\">Todo esto se traduce en usuarios frustrados y una mala reputaci\u00f3n de la marca. Pero, \u00bfy si hubiera una forma de mantener la alta seguridad, pero perder la mala experiencia?<\/p>\n<h3 id=\"\"><strong id=\"\">M\u00e1s seguridad frente a la experiencia del cliente<\/strong><\/h3>\n<p id=\"\">Los lectores de tarjetas para la autenticaci\u00f3n de clientes se han considerado durante mucho tiempo el m\u00e9todo de mayor seguridad para verificar las transacciones, sacrificando la experiencia del cliente por la seguridad fiable del lector de tarjetas con chip.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Pero estos dispositivos de mano distan mucho de ser f\u00e1ciles de usar, ya que requieren un retraso en el env\u00edo y que el cliente realice su propia configuraci\u00f3n. Mantener su propio dispositivo de seguridad bancaria resulta intimidante y frustrante para muchos usuarios, adem\u00e1s de dejar demasiado margen al error humano. Mientras tanto, los equipos de atenci\u00f3n al cliente absorben los costes y la complejidad del mantenimiento de los dispositivos, incluida la emisi\u00f3n de recambios, la asistencia t\u00e9cnica y la resoluci\u00f3n de problemas de usabilidad.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">A medida que el mundo se adapta a la era digital, los usuarios esperan que sus pagos y transacciones resulten sencillos. La tolerancia a los retrasos y las fricciones en la experiencia de usuario ha disminuido dr\u00e1sticamente. <a id=\"\" href=\"https:\/\/financialit.net\/news\/digital-identity\/record-number-european-consumers-abandon-financial-applications-during\">68%<\/a> de los consumidores abandonaron una aplicaci\u00f3n financiera el a\u00f1o pasado, lo que supone un aumento con respecto a 2020, y <a id=\"\" href=\"https:\/\/mobileidworld.com\/new-survey-finds-poor-authentication-practices-will-drive-customers-away-101206\/\">sobre 60%<\/a> de los consumidores han abandonado una transacci\u00f3n debido a un proceso de autenticaci\u00f3n frustrante.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Hablamos con el analista Simon Moffatt sobre el \"enigma de la autenticaci\u00f3n\" (la tensi\u00f3n entre seguridad y facilidad de uso) en nuestro webinar con <strong id=\"\">La caba\u00f1a cibern\u00e9tica<\/strong> - ver el <a id=\"\" href=\"https:\/\/tru.id\/blog\/webinar-sim-based-authentication-vod\">VOD<\/a> para saber m\u00e1s.<\/p>\n<p id=\"\">\u200d<\/p>\n<h3 id=\"\"><strong id=\"\">\u00bfSirven los lectores de tarjetas para la autenticaci\u00f3n universal?\u00a0<\/strong><\/h3>\n<p id=\"\">Cualquier soluci\u00f3n de seguridad que se implante en toda la base de clientes debe cumplir un r\u00edgido conjunto de requisitos:<\/p>\n<ul id=\"\">\n<li id=\"\">Alta seguridad<\/li>\n<li id=\"\">F\u00e1cil de desplegar<\/li>\n<li id=\"\">F\u00e1cil de usar<\/li>\n<li id=\"\">F\u00e1cil de gestionar<\/li>\n<li id=\"\">Rentable<\/li>\n<\/ul>\n<p id=\"\">El resultado son compromisos. Los lectores de tarjetas ofrecen una seguridad s\u00f3lida, pero fallan en todos los dem\u00e1s criterios:<\/p>\n<p id=\"\">\u200d<\/p>\n<ul id=\"\">\n<li id=\"\">\u2705 <strong id=\"\">Alta seguridad<\/strong>: Los lectores de tarjetas utilizan la seguridad criptogr\u00e1fica del chip de una tarjeta de pago, que no puede ponerse en peligro.<\/li>\n<li id=\"\">\u274c<strong id=\"\">F\u00e1cil de desplegar<\/strong>: El env\u00edo de un lector de tarjetas f\u00edsico a cada cliente es un proceso largo que retrasa el acceso de los clientes.<\/li>\n<li id=\"\">\u274c<strong id=\"\">F\u00e1cil de usar<\/strong>: Los clientes tienen que gestionar y configurar f\u00edsicamente su propio dispositivo de seguridad, lo que resulta inaccesible o intimidatorio para muchos.<\/li>\n<li id=\"\">\u274c<strong id=\"\">F\u00e1cil de gestionar<\/strong>: La resoluci\u00f3n de problemas t\u00e9cnicos a distancia y la emisi\u00f3n de lectores de tarjetas de sustituci\u00f3n consumen una cantidad significativa de esfuerzo y tiempo de IAM.<\/li>\n<li id=\"\">\u274c<strong id=\"\">Rentable<\/strong>: Enviar lectores de tarjetas nuevos y de repuesto a cada cliente tiene un coste prohibitivo.<\/li>\n<\/ul>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Ahora existe una nueva forma de proporcionar el mismo factor de seguridad de posesi\u00f3n utilizando lo que los clientes ya llevan encima: su tel\u00e9fono m\u00f3vil.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Seg\u00fan <a id=\"\" href=\"https:\/\/www.insiderintelligence.com\/insights\/mobile-banking-market-trends\/\">Informaci\u00f3n privilegiada<\/a>En la actualidad, 89% de las personas utilizan la banca m\u00f3vil, incluidos la friolera de 97% de los millennials. Para muchos, el m\u00f3vil se est\u00e1 convirtiendo en el m\u00e9todo por defecto, a veces el \u00fanico, para acceder a sus finanzas. Lo ideal ser\u00eda que la autenticaci\u00f3n tuviera lugar dentro de la experiencia de banca m\u00f3vil, sin necesidad de hardware adicional ni de cambiar de contexto. <a id=\"\" href=\"https:\/\/tru.id\/use-cases\/strong-customer-mfa\">Seguridad de la SIM<\/a> ahora lo hace posible.<\/p>\n<p id=\"\">\u200d<\/p>\n<h3 id=\"\"><strong id=\"\">La soluci\u00f3n moderna y f\u00e1cil de usar: SCA basado en SIM<\/strong><\/h3>\n<p id=\"\">La tarjeta SIM act\u00faa como un factor de posesi\u00f3n seguro, pero con una ventaja \u00fanica. Cada cliente ya tiene una en todo momento, en su tel\u00e9fono m\u00f3vil, y est\u00e1 muy motivado para mantenerla a salvo.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">La autenticaci\u00f3n basada en la SIM es la forma en que las redes m\u00f3viles ya verifican a sus 6.000 millones de clientes cada vez que hacen llamadas o utilizan datos para cobrarles correctamente.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">No se necesitan credenciales adicionales para \"iniciar sesi\u00f3n\" en una red m\u00f3vil: la autenticaci\u00f3n se produce autom\u00e1ticamente en segundo plano entre la tarjeta SIM y el operador. La autenticaci\u00f3n de la tarjeta SIM es transparente para el usuario.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Ahora, la verificaci\u00f3n IDlayr pone la misma autenticaci\u00f3n de red a disposici\u00f3n de bancos y FinTechs, resolviendo todos los problemas causados por los lectores de tarjetas:<\/p>\n<p id=\"\">\u200d<\/p>\n<ul id=\"\">\n<li id=\"\">\u2705<strong id=\"\">Alta seguridad: <\/strong>Las tarjetas SIM utilizan la misma tecnolog\u00eda criptogr\u00e1fica segura que el chip de una tarjeta de cr\u00e9dito.<\/li>\n<li id=\"\">\u2705<strong id=\"\">F\u00e1cil de desplegar<\/strong>: Sus usuarios ya poseen este hardware: su smartphone. Y con la autenticaci\u00f3n SIM disponible como API en tu aplicaci\u00f3n, el acceso es instant\u00e1neo, sin necesidad de descarga.<\/li>\n<li id=\"\">\u2705<strong id=\"\">F\u00e1cil de usar<\/strong>: Una experiencia de usuario sencilla y de un solo toque que no requiere ninguna entrada adicional, excepto confirmar el n\u00famero de tel\u00e9fono m\u00f3vil.<\/li>\n<li id=\"\">\u2705<strong id=\"\">F\u00e1cil de gestionar<\/strong>: La autenticaci\u00f3n SIM puede integrarse mediante OIDC, y el n\u00famero de m\u00f3vil es un campo LDAP est\u00e1ndar.<\/li>\n<li id=\"\">\u2705<strong id=\"\">Rentable<\/strong>: No hay costes de dispositivos ni de env\u00edo: s\u00f3lo tiene que pagar las verificaciones que necesite.<\/li>\n<\/ul>\n<p id=\"\">\u200d<\/p>\n<h3 id=\"\"><strong id=\"\">\u00bfEst\u00e1 preparado para llevar su experiencia de cliente al siglo XXI?<\/strong><\/h3>\n<p id=\"\">La autenticaci\u00f3n SIM es criptogr\u00e1ficamente segura, f\u00e1cil de implementar y de utilizar. A diferencia de los lectores de tarjetas y otras soluciones de hardware, la autenticaci\u00f3n IDlayr basada en SIM combina la seguridad con la facilidad de uso, proporcionando una soluci\u00f3n ideal y rentable para proteger a todos sus clientes sin necesidad de hardware adicional.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Para saber c\u00f3mo sustituir los costosos lectores de tarjetas por experiencias de autenticaci\u00f3n de alta seguridad y baja fricci\u00f3n para sus clientes, s\u00f3lo tiene que<a id=\"\" href=\"https:\/\/idlayr.com\/es\/book-a-demo\/\"> reserve su demostraci\u00f3n gratuita<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfSigue enviando lectores de tarjetas a los clientes para verificar el acceso a las cuentas y los pagos? Es una sangr\u00eda para los presupuestos y la reputaci\u00f3n de la marca en la era m\u00f3vil. Actual\u00edcese a tru.ID y mejore la experiencia del cliente sin perder seguridad, utilizando la tarjeta SIM del tel\u00e9fono m\u00f3vil como factor de posesi\u00f3n f\u00edsica.<\/p>","protected":false},"author":16,"featured_media":560,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[55],"tags":[],"class_list":["post-725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Set customers free from PIN card readers: there\u2019s now a better way to verify account access and authorise bank transfers<\/title>\n<meta name=\"description\" content=\"Upgrade UX and security by replacing card readers with the mobile phone: a silent auth possession factor 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