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Define new online payment rules in EU countries Saturday 21 September 2019 129 Brussels / Kazem Hinnawi Under the revised Direct Payment Services Directive, the new (PSD2) approval to make online payments in the EU will become more difficult. Two features (such as a secret code, electronic signature in a smartphone), aimed at modernizing payment services in Europe for the benefit of consumers and businesses, and the development of innovative payments online and mobile, for safer payments and better consumer protection. The updated rules will help facilitate innovation, competition and efficiency in the EU online payments market, as PSD2 represents a step towards completing the EU's digital single market and giving consumers more and better choices when it comes to the European Commission. It's about selling payments Retail. Electronic fraud How banks protect their customers and payments made by modern technology and the Internet, especially financial ones, where online payment by e-card, or deposit money in the ATM, is it enough to click on the word OK sent by companies or web pages to provide us with the information we require to commit Order ?. The introduction of modern technology through the Internet before the existence of appropriate protection measures, ie the provision of electronic protection, which is a third party between the client and the second party paid to her. From the beginning of the week, everyone in Europe who wants to make online payments will have to give full approval. Strong authentication requirements for customers across the EU will help reduce the risk of fraudulent payments and online banking services, and protect the confidentiality of a user's financial data, including personal data. This means that European consumers will benefit from safer electronic payments. Electronic address and signature An electronic signature is the signature necessary to complete the disbursement process, as it identifies its owner and proves its satisfaction with payment. An authentication procedure that is put into practice to protect the client. The secret code and electronic signature provide a strong support from electronic fraud and are organized and kept in a way that ensures the integrity of electronic payment procedures. An electronic signature is a secure means of identifying the customer and constitutes a guarantee of the relationship of the signature to the balance holder. The possibilities of electronic signature of all kinds, expanding to perform new functions were never calculated on the traditional signature. In the digital environment, electronic signature has become evident at the level of identifying functions that it can perform, which is not defined by a traditional manual signature. The wider the scope of work in modern technology, the more appetite of pirates to benefit by circumvention and manipulation and the adoption of illegal means through the Internet. Hence, banks have begun to find effective and sure ways to protect their clients' business from piracy. Major banking and commercial companies have relied on protection and assurance programs issued and protected by specialized companies in programming this type of electronic and information programs, which have become highly credible in the dealings of the network. Arachnids. New identity Every individual has a compulsory electronic identity to be able to finish their daily transactions of any kind. It begins with e-mail, as it is mandatory in any official, governmental, commercial and other transactions in Europe, it is the official document for all required correspondence. E-mail is no longer confined to personal correspondence only, but to enter into matters and evidence in all official transactions, legal and commercial. Other elements of electronic identification that denote a person himself and others certainly are biometric identity, electronic signature and PIN. The biometric identity based on fingerprints, the most important of which depends on financial transactions, personal electronic signature that appends documents and expresses the intention of the person to accept and approve or press the word (OK) through the secret number used in bank cards to withdraw and deposit money and payment in shops in Appropriate machines. In the past, prior to the dissemination of modern technology, approval was done through the PIN number and thus the payment process was completed. Under the new European payment (PSD2), exceptions to authentication requirements through the old method will still be possible for non-contact payments in stores, small amounts online, parking or transfers to trusted beneficiaries Their.
