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Mobile security aims at the globetrotter

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The first step in securing any transaction made from a mobile device, especially when traveling lies in the device’s software, writes AJAY BHALLA, President for Enterprise Security at Mastercard,

Thanks to advances in technology, the travel experience – compared to only a few years ago – is faster, simpler and more convenient. We book airline tickets, hotel stays, and call an Uber quickly and easily with a simple click on websites or in apps, paying with credit or debit cards. And, once on the road, we use our mobiles to check-in, access boarding passes, and receive updates on any changes to our plans.

Indeed, thanks to improved network coverage, more affordable data roaming options, and the proliferation of free Wi-Fi, travelers are increasingly tapping into the power of their smartphones wherever they are in the world. In fact, research indicates that 80 percent of travelers now use their smartphone while overseas.

With more connected devices, travelers are becoming an increasingly attractive target for cybercriminals, raising the chances of them being affected by fraud. This heightened risk, paired with research finding 77 percent of cardholders extremely concerned with false declines when traveling, demonstrates the need of having systems in place that can enable secure payments and ensure a safe travel experience. The key to the success of these systems lie in our phones.

This means that mobile phones can unlock unexpected benefits for digital payments. One benefit is the digital wallet, which simplifies the digital payment landscape both domestically and internationally. Digital wallets are a one-stop payment source, which enables consumers to shop whether online, in app and now in-store with contactless in multiple countries. Behind the scenes, smartphones can now also use location information to verify user identity to ensure a smoother travel experience.

For example, few things can be as irritating as stepping off a plane in a foreign country and having a card payment declined because you forgot to notify the bank of your travel plans. While the bank is attempting to manage fraud, a blocked transaction at a critical moment and in an unfamiliar place is not just an inconvenience, it can feel like a lifeline being cut. However, new technology allows mobile phones to verify your location, reducing the chances of your card being falsely declined.

The advantages are not confined to the consumer. These and other technologies are helping banks and retailers avoid lost business and dented consumer confidence.

Studies indicate that one in four cardholders never use a card again if it is falsely declined, while one in four use it less. To put the current situation into perspective, in the U.S., the value of false declines per year recently hit $118 billion – more than 13 times the total amount lost annually to actual card fraud ($9 billion), research from Javelin shows.

So, it’s crucial that security measures are wielded accurately so that payments are not only safer but smarter, too. This also means that using multiple layers of security is paramount.

Further solutions enable banks, retailers and travelers to exchange vital purchasing information which is used to evaluate the risk of a current transaction. By considering transaction risk levels and consumer behavior patterns, the chances of a card being falsely declined is reduced regardless of location.

Together with location alerts from mobile phones, these tools provide card issuers with greater insight and control, to ensure the right decision are made and improve the travel experience.

Meanwhile, mobile technologies are also helping consumers take greater oversight of their spending while abroad. Smartphones can deliver real-time alerts so travelers can set spending limits and turn on and off credit or debit at certain merchants or within certain geographies.

It’s clear that we are now only just scratching the surface of the possibilities the smartphones can unlock for a generation on the move. And as we continue to see advances in geolocation technologies and biometrics, digital transactions will continue to become safer, simpler and more convenient wherever we are, every time we make a payment.

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AppDate: Prepare for space

In this week’s AppDate, SEAN BACHER highlights Space Nation Navigator, Hitman Sniper, Snake Mask, Memrise, WhatsApp Web, and Carrot Weather.

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Space Nation Navigator

Space Nation Navigator is a bit of a strange app. It is part game, part exercise and part educational. On the game side, users have to navigate the Mars Rover, put the International Space Station back into orbit or move their Martians to safety before a sand storm hits Mars. When it comes to exercise, Space Nation Navigator provides users with a range of exercises and Yoga videos to prepare them for space travel and working in an anti-gravity environment. The education aspect teaches users about the planets, and star constellations, and then offers quizzes on what has been taught.

Platform: Android and iOS

Cost: A free download.

Stockists: Visit the store linked to your device.

 

Memrise

Memrise takes a new approach to help people learn new languages. Instead of providing a user with random phrases and words to memorise, the app connects you with a person already fluent in the language you want to learn. In turn, the person you are speaking to wants to learn the language in which you are fluent. Once your profile is filled out and languages selected, it connects you with people around the world who are interested in your language, and then allows you to chat with them in real-time. Memrise also lets one learn new languages through games, chatbots and grammarbots that help with spelling, tenses and pronunciations.

Platform: Android and iOS

Cost: A free download.

Stockists: Visit the store linked to your device.

 

Hitman Sniper

Hitman Sniper is loosely based on the Agent 47 movie released a few years ago. The game offers players the ability to hone their shooting skills through a range of training courses and, once they think they are ready, they can start taking out the bad guys. Things start off easy enough, but they get more and more difficult as one progresses through the 150 missions on offer. One will also have to upgrade various gun components, like scopes, magazine capacities and silencers, to make the missions a little easier. Hitman Sniper lets users buy 16 to tackle each of the missions – either with real money or via the points accumulated by completing missions. Money and points can also be used to upgrade firearms.

Platform: Android and iOS

Cost: R7 – with a range of in-app purchases.

Stockists: Visit the store linked to your device.

 

Snake Mask

The iconic Snake game that was preinstalled on most older Nokia phones has had a complete make-over. It now uses Facebook’s AR technology, meaning that you have to navigate the snake around obstacles in your home or office, all the while collecting coins and stars that change the snake’s speed and length. Unfortunately, Snake Mask is only available on Nokia’s new range of smartphones. However, it should not take long before it slithers onto other devices.

 

Platform: New Nokia smartphones running Android.

Cost: Free to use through the Facebook app installed on the device.

Stockists: Available through the Facebook app.

 

WhatsApp Web

Although this is by no means a new app, it is an extremely useful one, and one that not many people know about. Tapping out WhatsApps on your phone is easy enough, but thanks to WhatsApp Web it can be even easier. Open the WhatApp Web page under WhatsApp and you will see a QR code. Scan this code through WhatsApp on your mobile and you will be shown a replica of what you would normally see on your phone. You can then type and reply to messages using your computer instead of having to stop everything and unlock your phone every time a message comes through. WhatsApp Web is great if you share your computer with other people as it automatically disconnects when the browser is closed. However WhatsApp also offers an app that when installed will stay connected to your phone unless you manually remove it.

 

Platform: Any up-to-date Internet browser

Cost: Free to use and install

Stockists: Visit www.WhatsApp.com

 

Carrot Weather

There are thousands of weather apps on the Internet these days and all of them do the same thing – inform you of the weather in your area. However, Carrot Weather has taken what is just another app and turned it into something fun. By fun, I mean sarcastic, rude and completely politically incorrect. A user starts off by selecting religious and political views. It then asks about personality, ranging from friendly to homicidal to overkill – which includes profanity. So, for instance, instead of waking up to to the standard partly cloudy forecast, Carrot Weather will display something like: “It’s only partly sunny, the sun is a total effing failure.” It also has a range of insults that it throws at you whenever you open the app – some of them downright insulting, so it is definitely not for those who are easily offended. The app’s user interface is very simple, displaying a week’s daily forecast and hourly forecasts for the day selected.

Platform: Android and iOS

Cost: Free to download but with adverts. The premium, advert free version costs R12 per month.

Stockists: Visit the store linked to your device.

* Sean Bacher is editor of Gadget.co.za. Follow him on Twitter on @SeanBacher

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SA Start-up reinvents PABX

For any South African business, the idea of setting up or changing a telephonic switchboard system is the stuff of nightmares. Dealing with expensive hardware and hearing things like QSIG and VOIP is not what you’d call exciting.But now there is an app.

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Enter BuzzBox (www.buzzboxcloud.co.za), a web-based telephone switchboard that is aimed at small and medium sized businesses wanting to take the hassle and cost out of the company switchboard. Whether you are a small one-man operation or a larger organisation with staff working remotely, BuzzBox is the best switchboard solution.

What sets BuzzBox apart from anything else on the market is its easy-to-use dashboard. It puts you in control of everything from picking your phone number to setting up voice prompts and managing your business-hours schedule.

BuzzBox was developed when the startup behind it, Jini-Guru, needed such a service for its own use across multiple continents. “When we started Jini-Guru we could not find a seamless online process that would allow us to set up a full web-based switchboard, so we decided to build one for ourselves,” says Mike Smits, Director at Jini-Guru.

He says a lot of startups today are tech savvy and know how to use apps and the services that go with it. “It’s the uberisation of services and its driving demand for instant service activation.”

BuzzBox works as an app on both iOS and Android but users wanting a desk phone option can choose from a variety of devices on offer or use their existing VOIP phones.

Setting up a BuzzBox account takes 5 minutes. During registration your FICA documents are uploaded [ID and proof or residence] and you get to pick your phone number before the account is created. Companies that want to keep an existing number can do so too.

The real magic happens when you log on to the BuzzBox Dashboard. The main screen displays a summary of statistics for your account while the left-hand menu provides you quick access to various configuration settings and reports.

Setting up new extensions or external numbers is done with a few clicks and you can even set up various departments which is a great way to route a call to various people in a department, like sales or support.

The intuitive user interface also makes it easy to set up hold-music and voice prompts. You can add voice prompts by recording them straight to your phone, just make sure you use a clear voice with quiet surroundings for the best customer experience.

One of the main features of BuzzBox is its call recording feature that allows an organisation to record calls for legislative purposes, such as a lawyer, or for customer service purposes such as support. Recordings are stored securely online, and you have the ability to download recordings for playback. Companies can opt-in for this service and it’s free to use. Recordings are stored online and are fully encrypted so only you can listen to, or download them. Storage costs R1 for every 1000 minutes of stored recordings.

Other features include call forwarding and scheduling. The latter allows you to set office hours for your organisation which will divert calls to an after-hours messaging service. You also have the option to enable routing to an employee who is on call after hours.

BuzzBox also has a reseller program for companies wanting to offer this as a switchboard solution to their existing customers.

The costs for this service is R89 p/m for the first phone number which includes your first extension for free. Thereafter you’ll pay R89p/m per extension. Calls between extensions are free but you pay per second for all outgoing phone calls. More info on pricing can be found here: https://buzzboxcloud.co.za/pricing/

BuzzBox is offering a Launch promotion where they are offering the first line and extension free for 12 months. Only pay for calls. Use promo code “feoifyaa” during sign-up to apply your discount.

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