Оплата без пластика: банки стараются расширить ассортимент виртуальных карт

Оплата без пластика: банки стараются расширить ассортимент виртуальных карт

Проанализировав ассортимент и условия предоставления виртуальных карт в новом отчете из серии, посвященной рынку банковских карт для физических лиц в России, специалисты «AnalyticResearchGroup» пришли к выводу, что многие российские банки не ограничиваются выпуском виртуальной карты одного вида. Из 23 рассмотренных банков только в 11 был один вид виртуальных карт, предлагаемых клиентам. У остальных игроков выпускаемые карты отличались по платежным системам, вариантам идентификации и другим характеристикам.

К примеру, в АО «Банк Русский Стандарт», предлагающем наиболее широкий ассортимент виртуальных карт (8 разновидностей), клиент может сделать выбор в пользу карты VirtuCard (обычной или подарочной), также доступны продукты RSB Mobile Card и Mobile-bank Card. В банке «АК БАРС» выпускаются виртуальные карты Visa и MasterCard, виртуальная карта школьника, а также карты BankOK с лимитом 15 тыс. руб. и 100 тыс. руб. В «Почта Банке» и Банке «Платина» клиентам предлагается по 4 вида виртуальных карт, а в Промсвязьбанке и КИВИ Банке — по 3 разновидности карт.

Анализ показал, что свыше половины рассмотренных виртуальных карт (60,0%) действуют в течение 1-12 месяцев. 14% карт выпускаются на срок от 13 до 24 месяцев, а 16,0% — на срок от 25 до 36 месяцев. Наименьшую долю занимают карточные продукты со сроком действия более 37 месяцев (2,0%).

Предисловие: что такое виртуальная карта

Виртуальная карта это инструмент расчета в интернете, наподобие обыкновенных пластиковых карт, но без физического носителя. Виртуальная карта, по сути, является облачной технологией, работа с которой осуществляется с помощью интернет-коммуникаций, т.е. такую карту нельзя потрогать, поцарапать, нечаянно потерять. Она существует только в виде реквизитов.

Для чего были придуманы виртуальные карты. Одна из важнейших причин – это безопасные покупки. Участившиеся случаи мошенничества при оплате в интернете заставили владельцев банков и платежных сервисов придумать новую безопасную технологию и процесс покупки. Как обычно происходит кража денег с банковской карты, когда покупки проходят в интернете? Человек ввел свои данные, а мошенник, завладев этими данными – сможет, если не снять деньги, то хотя бы потратить их в других магазинах. Физический пластик также можно потерять, кроме того, что составляет важное отличие виртуальной карты от физической – у последней есть ПИН-код (который тоже могут украсть), а у виртуальной – нет.

Итак, подытожим основные факторы риска, которые снижены по минимуму в виртуальных картах:

  1. Виртуальной карты не существует в виде носителя. Таким образом, ее нельзя украсть и, соответственно, нет последствий от такой кражи – воспользоваться другому человеку картой не представляется возможным.
  2. В виртуальной карте нет ПИН-кода. Одна из главных отличий от реальной пластиковой карты. Отсутствие ПИН-кода делает также невозможным воспользоваться денежными средствами, находящимися на виртуальной карте.
  3. Реквизиты виртуальной карты хранятся в виде цифр. Они не напечатаны на пластике, поэтому их весьма сложно узнать. Эти цифры чаще всего хранятся или высылаются по запросу на телефон держателя карты. Также данные можно получить в интернет-банке, мобильном банке или в самом офисе банка.
  4. Для виртуальной карты создается денежный лимит. Это дополнительная мера безопасности. Большинство виртуальных карт является дебетовыми, не кредитными, что в случае последнего, дает мошенникам шанс похитить все заемные средства с карты. При создании виртуальной карты создается денежный лимит, например 10 000р или 15 000р (при этом держатель карты вносит эти деньги), и пользоваться средствами можно только в пределах указанного лимита. Более подробно про выпуск карты и лимиты читайте дальше.
  5. Некоторые банки позволяют выпускать много виртуальных карт (специально под крупные покупки, чтобы совершить их безопасно). Если Вы, время от времени, делаете крупные покупки, то можете специально под них создавать виртуальные карты.
  6. Выпуск карты – мгновенный. Еще одно важное преимущество виртуальных карт заключается в том, что они создаются за несколько кликов. По сложности это как создание нового электронного почтового ящика. В основном виртуальные карты закреплены за определенным счетом, который у Вас уже есть в банке либо уже имеющейся карты (дебетовой, гораздо реже кредитной).
Источник: rbc.ru

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