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Visa lança serviço gerenciado para dispositivos móveis

A Visa Inc. (NYSE:V) anunciou hoje o lançamento de uma nova plataforma plug-and-play de dinheiro móvel que vai tornar mais fácil e econômico para as instituições financeiras e operadoras de celular oferecerem serviços financeiros móveis aos consumidores. A plataforma global é o primeiro serviço mundial de classe bancária gerenciado para dinheiro móvel – sendo que permite à Visa hospedar e gerenciar completamente todos os aspectos de um programa de dinheiro móvel em nome da prestadora, a partir do projeto de interface de usuário à inscrição do consumidor, processamento de operações, autorização, compensação e liquidação. O novo serviço pode permitir uso de serviços interoperáveis de dinheiro móvel nacional ou internacionalmente.

Os consumidores "sem banco" na Índia e em Ruanda são os primeiros a se beneficiarem deste serviço. Os assinantes de celulares Aircel na Índia e os clientes do Bank of Kigali e Urwego Opportunity Bank em Ruanda têm agora acesso a uma conta financeira, que está ligada ao seu número de celular. De operações de entrada e saída de dinheiro em postos de atendimentos ao pagamento de contas, envio de dinheiro para familiares, recarregar o tempo de uso ou comprar bilhetes de trem, os consumidores podem tirar vantagem dos serviços financeiros de classe bancária e qualidade Visa de pagamentos.

"Aplaudimos os pioneiros na África, Ásia e Oriente Médio, que lançaram um circuito fechado de serviços financeiros para celulares e alcançaram tantos consumidores em tão pouco tempo", disse Bill Gajda, diretor de produtos móveis globais da Visa Inc. "Com o aumento da procura, também cresce o custo e a complexidade de manter esses serviços. A nova plataforma de dinheiro móvel da Visa é projetada para permitir que as operadoras de celular e instituições financeiras se concentrem em seu negócios principais, deixando a gestão do seu serviço de dinheiro móvel com a Visa".

A nova plataforma, que está sendo hospedada no centros de dados gerenciados da Visa, foi construída sobre a tecnologia Fundamo, a tecnologia de dinheiro móvel adquirida pela Visa em 2011, que foi implantada com sucesso em mais de 30 países.

"A Aircel orgulha-se em oferecer aos seus assinantes as aplicações mais inovadoras para celulares que atendem às necessidades específicas dos consumidores na Índia", disse Geoff King, chefe de serviços bancários móveis da Aircel. "Através do serviço hospedado e gerenciado da Visa, a Aircel é agora capaz de parcerias com bancos locais para oferecer aos nossos assinantes de celulares acesso a serviços de dinheiro que irão simplificar suas vidas financeiras. Nós começamos nossa parceria com a ICICI para oferecer aos clientes a capacidade de enviar dinheiro em todo o país de forma segura, complementar suas contas pré-pagas de celulares, e pagar suas contas de serviços públicos".

Concebida e adaptada para uso por instituições financeiras e operadoras de celulares

A nova plataforma da Visa foi desenvolvida em conformidade com os quadros regulamentares estabelecidos para serviços financeiros móveis. Ela oferece às operadoras de redes móveis e instituições financeiras uma ligação local à rede Visa de pagamento global, VisaNet, e uma solução única para a prestação de serviços de dinheiro móvel que é baseada em elevados padrões de segurança, confiabilidade e interoperabilidade da Visa. Através da nova plataforma, a Visa pode gerenciar todos os aspectos de um serviço de dinheiro móvel, incluindo:

  • Programa de gestão de dinheiro móvel – a Visa, em nome da operadora de serviços móveis de dinheiro, pode gerenciar a inscrição do cliente e a interface de usuário de carteira móvel, taxas, comissões e impostos, bem como aplicar as ferramentas de gestão de risco, geração de relatórios, e outros serviços "em nome de". Isso reduz os custos de execução e os recursos necessários para implantar serviços de dinheiro móvel.
  • Suporte para qualquer canal de comunicação móvel – Prestadores de serviços de dinheiro móvel podem usar interface padrão da indústria para se conectar à nova plataforma da Visa, e podem enviar as transações de dinheiro móvel em todos os canais móveis, entre eles, serviço suplementar de dados não estruturados (USSD na sigla em inglês), linguagem de marcação de hipertexto extensível (xHTML, na sigla em inglês), e resposta de voz interativa (IVR, na sigla em inglês).
  • Suporte para um conjunto abrangente de transações – A plataforma permite que as transações financeiras, tanto em ambientes de malha fechada e malha aberta, inclusive as operações de entrada e saída de dinheiro em agentes locais e caixas eletrônicos, transferências de dinheiro nacionais e internacionais, pagamentos em estabelecimentos onde Visa é aceito, bem como, pagamentos de contas e recarga do tempo de uso. Ele também suporta transações informais, tais como registro de volume, consulta de saldos, senha e gerenciamento de contas.
  • Suporte ao cliente e conformidade regulamentar – O serviço móvel gerenciado da Visa pode suportar o cumprimento de requisitos regulamentares móveis e financeiros em diferentes países. Além disso, a plataforma pode oferecer recursos abrangentes de suporte ao cliente, que inclui monitoramento e manutenção de conexões com sistemas de hospedagem, recuperação de desastres, gerenciamento de incidentes, bem como fluxos de trabalho de gestão de resposta aos clientes e gestão de contas (AML e KYC).
  • Qualidade Visa de pagamento seguro – A plataforma combina a tecnologia avançada de processamento de risco da Visa com os recursos de segurança e autenticação de dispositivos móveis, permitindo que o prestador de serviços de dinheiro móvel possa oferecer transações financeiras que são baseadas em elevados padrões de transações seguras, confiabilidade e interoperabilidade da Visa.

Enquanto as instituições financeiras e operadoras de redes móveis na Índia e Ruanda são as primeiras a oferecerem serviços financeiros móveis baseados no novo serviço gerenciado da Visa, a plataforma tem a capacidade de hospedar e gerenciar programas em todo o mundo.

Sobre a Visa Inc.

A Visa é uma empresa global de tecnologia de pagamentos que conecta consumidores, empresas, instituições financeiras e governos em mais de 200 países e territórios para pagamentos eletrônicos rápidos, seguros e confiáveis. Operamos em uma das redes de processamento mais avançadas do mundo, a VisaNet, capaz de lidar com mais de 24.000 transações por segundo, com proteção contra fraude para os consumidores e pagamento garantido aos estabelecimentos. A Visa não é um banco e não emite cartões, não aumenta crédito nem estabelece taxas e encargos aos consumidores. Contudo, as inovações da Visa permitem que seus clientes de instituições financeiras ofereçam novas opções aos consumidores: pagar agora com cartão de débito; antecipadamente com cartão pré-pago; ou depois, com produtos de crédito. Para mais informações, visite corporate.visa.com.

Sobre a Aircel

A Aircel é a quinta maior operadora de telefonia móvel GSM com crescimento mais rápido da Índia, e uma operadora de presença na Índia. Ela ganhou espectro 3G em 13 círculos e espectro BWA em oito círculos, e lançou com sucesso serviços 3G em 13 círculos, que é a implementação mais rápida de 3G no espaço da Telecom indiana. A Aircel tem constantemente inovado em produtos e serviços, e é creditada por fazer o 3G acessível às massas através do lançamento da internet de bolso inteligente, que oferece pacotes 3G de baixos valores. A internet inteligente de bolso da Aircel impulsionou a adoção do 3G no país, pois dá um verdadeiro valor ao produto, permitindo aos consumidores acesso ilimitado de dados 3G a preços extremamente acessíveis. A Aircel posicionou-se como uma operadora líder em dados de telecomunicações abordando as multifuncionalidades de um telefone celular em várias maneiras inovadoras que são pioneiras no mercado, sejam elas na internet de bolso da Aircel, jogos de bolso para internet, a primeira rede social móvel INQ da Aircel, saúde móvel Apollo da Aircel, Blyk on Aircel, um compromisso enriquecedor para a juventude e, muito recentemente, a primeira operadora de telecomunicações a introduzir atualizações de voz no Facebook para a Aircel. A Aircel é também uma rede de telecomunicações conhecida por lançar os iPhone 3GS, iPhone 4, iPhone 4S e iPhone 5 da Apple. Para mais informações, visite www.aircel.com.

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