{"id":19510,"date":"2014-09-29T14:59:27","date_gmt":"2014-09-29T12:59:27","guid":{"rendered":"https:\/\/www.artera.net\/it\/blog\/?p=19510"},"modified":"2023-02-27T14:33:22","modified_gmt":"2023-02-27T14:33:22","slug":"carta-di-credito-virtuale","status":"publish","type":"post","link":"https:\/\/www.artera.net\/it\/ecommerce\/carta-di-credito-virtuale\/","title":{"rendered":"Carta di credito virtuale: cos’\u00e8 e come funziona"},"content":{"rendered":"

Sul blog di Artera abbiamo spesso parlato di ecommerce e di come sia vantaggioso acquistare online. Tuttavia molti utenti sono ancora titubanti al riguardo: usare la propria carta di credito per acquistare online<\/strong> \u00e8 fonte di perplessit\u00e0. Non sono stati purtroppo rari i casi di hackeraggio sul numero di carta di credito e vengono riconosciuti ancora troppo spesso siti specializzati nel pishing online.<\/p>\n

Per contrastare questo fenomeno ed invogliare i clienti ad utilizzare serenamente le loro carte di credito, molte banche mettono a disposizione assieme alla carta fisica anche una carta di credito virtuale<\/strong>. Ma come funziona questo “meccanismo”? In pratica, secondo le regole di base della scienza crittografica, ogni volta che l’utente effettua un acquisto online, la carta di credito genera un codice di sicurezza<\/strong> utilizzabile solo in quella specifica transazione, un codice “usa e getta”<\/strong> per dirlo in parole povere. Questo consente una maggiore sicurezza per il cliente, che, se anche fosse preso di mira da qualche malintenzionato, non subirebbe alcun danno. Il codice di sicurezza infatti sarebbe inutilizzabile al momento della conferma di acquisto, poich\u00e9 le combinazioni numeriche gi\u00e0 utilizzate vengono immediatamente invalidate.<\/p>\n

Una buon servizio di carta di credito virtuale \u00e8 fornito da Unicredit che offre la sua Genius Card Web<\/strong>: in pratica, dopo richiesta online del titolare del conto corrente, viene rilasciata immediatamente con Pan (numero di carta), scadenza, CVV e ovviamente IBAN dove effettuare un bonifico (ricaricabile solo dal conto corrente del cliente stesso). Si ottiene cos\u00ec una carta prepagata da utilizzare da subito.<\/p>\n

Anche Postepay offre un servizio pressoch\u00e9 simile con la sua ePostepay<\/strong>.<\/p>\n

Pi\u00f9 classica la versione di Intesa San Paolo, che offre ai propri clienti la possibilit\u00e0 di collegare la propria carta di credito ad un servizio che genera PAN usa e getta<\/strong>, utilizzabili solo una volta.<\/p>\n

I costi sono irrisori, e spesso si limitano ad un canone annuale e una commissione di ricarica (nel caso di carte prepagate virtuali). Consiglio vivamente l’utilizzo di questo meccanismo, soprattutto ai pi\u00f9 timorosi: chiedete informazioni nel vostro istituto bancario. Potrete cos\u00ec dedicarvi allo shopping online, senza pensieri!<\/p>\n","protected":false},"excerpt":{"rendered":"

Sul blog di Artera abbiamo spesso parlato di ecommerce e di come sia vantaggioso acquistare online. Tuttavia molti utenti sono ancora titubanti al riguardo: usare la propria carta di credito per acquistare online<\/strong> \u00e8 fonte di perplessit\u00e0.<\/p>\n","protected":false},"author":4,"featured_media":19581,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[83],"tags":[385,72,120,55],"class_list":["post-19510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ecommerce","tag-carta-di-credito-virtuale","tag-e-commerce","tag-pagamenti-online","tag-sicurezza"],"yoast_head":"\nCarta di Credito Virtuale \/ Carta Prepagata Virtuale: cos'\u00e8 e come funziona<\/title>\n<meta name=\"description\" content=\"Acquistare su siti ecommerce \u00e8 vantaggioso. 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