VisecaOne: the companion for secure shopping and payment on the Internet

More and more Swiss people are shopping on the Internet. Shopping by click is booming and is leading to a blurring of the boundaries between face-to-face and online business. Customers are increasingly being advised and served via holistic multi-channel strategies, independent of location and device. The international credit card systems support this development with cross-system and secure services, which pays off especially in online retailing due to increasing cybercrime. After all, when shopping online, caution is generally advised when handling personal data and payment methods. Thanks to new technologies in smartphones, consumers already have ways to protect themselves efficiently against fraud when shopping online. For example, Viseca Card Services SA, which issues credit cards for the Raiffeisen Group, all cantonal banks, Migros Bank, Bank Coop, regional banks and private and commercial banks, has been offering its cardholders a simple, dynamic procedure for confirming online payments via the VisecaOne mobile app since the end of 2015. With this procedure, cardholders confirm their payments in the -VisecaOne app on their smartphone. Customers without a smartphone receive an SMS code sent to their cell phone. This procedure, known as two-factor authentication, corresponds to the industry standard in the financial sector and increases security and abuse prevention. It replaces the static "3-D Secure Password" procedure for Mastercard and Visa credit cards, which requires a "3-D Secure Password" to be entered once it has been set.The VisecaOne app is already used by more than 400,000 Viseca customers - now a new version of the app is being introduced. With the additional functions it contains, the previous Viseca MyAccount app will be replaced at the same time. Now, -Viseca-One users can view their spending and the amount available in real time in the app. They can also find all the important information about their card at a glance:- Registered cards- Last transactions- Additional card benefits (insurance)- Current points balance of the surprize bonus program- Total amount of current spending- Available balance- Invoices and limitsNew functionsThe new app also offers various management options. For example, the popular online payment solution Viseca Masterpass, which enables fast and secure payment by credit card in over 200,000 online stores worldwide, can be activated directly in the app, and invoice types and notifications can be managed. Since Viseca Masterpass means that all the necessary payment and shipping data is already stored in the digital wallet and optimally protected by multi-level security processes, there is no need for cardholders to enter their delivery address and card details. Furthermore, users can subscribe to new free notifications in the app, such as a push message when a transaction is made in a foreign currency. Optionally from a certain amount or for all transactions. These notifications can be conveniently activated and deactivated in the VisecaOne app. The app meets the highest security standards. When activated via QR code, the app is linked to the VisecaOne user name via a digital certificate, making it a security factor. Customers then only need their password or fingerprint to log in to the VisecaOne app. The app is able to combine the two factors automatically - two-factor authentication has never been so user-friendly.Integration into your own mobile banking appsIn the next phase, the new functions of the VisecaOne app will be made available to the sales and partner banks of the Aduno Group, to which Viseca Card Services SA belongs, for integration into their own mobile banking apps. This will ensure that bank customers with credit cards issued through Viseca can also use the digital services easily and securely in their bank's existing mobile banking app. "This allows us to offer our customers an end-to-end digitized customer experience across all digital touchpoints," says Tobias Wirth, Head Digital Products at the Aduno Group. The new features are available immediately in the app and can be updated via the Apple and Google app stores.Aduno Group - the smart way to payThe Aduno Group offers all products and services for cashless payment from a single source: from card issuing (Viseca Card Services SA) and card acceptance to payment terminals (Aduno SA), personal loans and leasing (cashgate AG), and deposit guarantees (AdunoKaution AG). As a leading company for private and business customers, the Aduno Group is a fair and transparent partner. It is owned by the largest Swiss cantonal and retail banks (Raiffeisen Group, all cantonal banks, Migros Bank, Bank Coop, regional banks and private and commercial banks).