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CardControl:手机银行防盗利器

科技初创公司Ondot Systems最近推出了一款新型手机银行反欺诈应用软件CardControl。CNET新闻将这款应用同iPhone手机的Find My Phone手机应用相提并论,这款软件适用于信用卡、借记卡和预付卡,允许使用者在其智能手机上设置银行卡的信息控制。

Ondot官网上是这么说的,“CardControl应用让消费者们通过地域、店铺分类、交易种类和花销限额为银行卡设置使用偏好,并选择随时打开或关闭银行卡使用端口”。

使用者也可以根据他们设下的参数设置交易警报,以防潜在的信用卡欺诈。这款应用的另一特性是与智能手机的GPS同步,因此如果在离银行卡持有者及其手机所在地很远的地方产生交易,这个应用就会提醒使用者注意。

CardControl应用把反欺诈工具交到了消费者手中
CardControl为使用者带来了更多资产所有权上的便利。目前的系统之下,消费者需要向银行或信用卡发放商支付费用并向信用卡发放公司致电才能做账户信息更改,而CardControl则为其使用者们提供了这一难题的解决之道。

CardControl为消费者们提供了一个监测其信用卡活动的工具,以防在钱包丢失之后造成损失。

消费者们可以比信用卡公司更快更有效地得知信用卡欺诈,因为消费者更清楚哪些费用是他们支付的,哪些不是,而信用卡发行公司则必须根据消费者过去的消费行为做出判断。如果信用卡放错地方,遗失或被盗,持卡人也可以通过CardControl在得知信用卡丢失后几分钟内冻结信用卡的使用。

CardControl要求银行及信用卡发行公司共同参与
然而,这款应用并非对所有消费者都有用,它仅适用于那些已加入CardControl计划的银行的消费者。作为一款非常有价值的工具,银行需要给Ondot公司缴纳一笔用户注册费。

一项在德克萨斯州孤星州国立银行关于这款应用的测试已取得令人瞩目的成果,根据Wired报道,孤星州国立银行客户在借记卡和信用卡花销上占48%,而欺诈方面的花销则由于这一年来使用CardControl降至60%。

据Wired报道,Ondot公司的CEO Vaduvur Bharghavan称,“我认为这是因为孤星州国立银行卡的重要性已超过消费者手中的其他银行卡。消费者们把在其他卡上的花销转到了这张卡上,因为他们对这张卡安全性的信任与日俱增。”

据Wired报道,Bharghavan称,令人吃惊的是,银行和信用卡发行商都乐于接受这个应用程序,Ondot已同四大信用卡处理器公司签订协议,为全国超过10,000家银行服务。CardControl的服务预计在几个月内全面铺开。

A new mobile banking app by tech start-up Ondot Systems, CardControl, is bringing new anti-fraud tools to consumers. The app, which CNET compared to the iPhone’s Find My Phone app but for credit, debit and prepaid cards, allows users to set controls for their cards from their smartphone.

“CardControl empowers consumers to switch cards on and off, and set card usage preferences by location, merchant categories, transaction types, and spend limits,” according to Ondot’s site.

Users can also set up transaction alerts to be notified of potential credit card fraud based on parameters set by the user. Another feature syncs the app with the smartphone’s GPS, so if a transaction is made miles away from where the cardholder and his phone are, the app will flag it for the user’s review.

CardControl App Puts Anti-Fraud Tools in Consumers’ Hands
CardControl offers users more ownership for their financial well being. When compared to the current system in which consumers have to rely on their bank or credit card issuer to catch unusual charges and must call their creditor to disable or make any changes to their accounts, CardControl offers a solution that gives accountability to the user.

CardControl would give consumers a tool to monitor their own credit card activity and protect themselves from fraud if they lose their wallet.

Consumers can more quickly and efficiently recognize fraud than their credit card company because consumers are more aware of which charges were made by them and which weren’t, whereas a credit card issuer must rely on probabilities based on past spending behaviors. If the card was misplaced, lost or stolen, the cardholder could use CardControl to place a stop on that card within minutes of realizing his card was missing.

CardControl Requires Banks and Credit Card Issuers to Opt In
The app will not be useful to all consumers, however — just those who have banks that opt in. CardControl is marketed and sold to banks as a valuable tool to offer their customers, and banks have to pay for it in the form of a per-user licensing fee to Ondot.

A test of the app with Lone State National Bank in Texas gave promising results, however debit and credit card spending among Lone Star National Bank customers rose 48 percent, while fraud expenses fell 60 percent over the course of a year of CardControl use, reports Wired.

“I think that’s because this card became top of wallet,” said Ondot CEO Vaduvur Bharghavan, reports Wired. “Customers shifted their spend from other cards because they had increased confidence in the security of this card.”

Banks and credit-card issuers were surprisingly receptive, said Bharghavan; already Ondot has signed deals with four major credit cards processors that serve more than 10,000 banks across the nation, reports Wired. CardControl service is expected to roll out in a matter of months.


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