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In this era of technological boom It is not uncommon to find that a large part of human activities have been digitized, from activities such as shopping, making payments, among many others, today humans live more in the digital world that in the real thing; but for this to exist digitization of human activities There had to be a necessary point, the digitization of money, and that is that without it we cannot do any of the activities mentioned.
So in many ways you can speak in the currency of physical money and digital money, and due to the advances that exist, this last category of digital money can be divided into two parts, virtual money and real digital money. To simplify this, let's mention that there are virtual currencies, that they do not have a value granted or regulated by a government, and that their physical existence is not possible; On the other hand, we find real digital money, which is what is in our bank accounts, in other words, this money is easily transferable and can be transformed from digital to real in a banking terminal. And in conclusion we find the physical or real money, which are all the coins and bills that we can touch.
But of all variety of opportunities that we can find today we will mention a specific one, the money card, a form that has been invented in order to streamline many human movements and transactions, and that is feasible thanks to the digitization of real money, let's learn more about this type of cards, its benefits and how it works.
The wallet card
This card appears as multipurpose micropayment system; One of the premises of this system is that the payments made with this type of card is that they are payments of small amounts, but of very high volume. Generally, these types of low-amount payments require a high speed in order to reduce service times, but also requires high levels of security, since, due to the amount of payments made, finding a fault in the system can be quite complicated.
Once the problem was well identified, a quick and easy way to solve it was devised, and the result was wallet cards. These cards, along with the system that keeps them active, are of great help today.
Let's see and analyze some of the advantages que estas tarjetas posibilitan. Lo primero es que el Username evita muchas colas, dicho de otra forma que la congestión de persons en los puntos de pago de los establecimientos se reduce considerablemente. Como consecuencia de esto, encontramos que se gana mucho tiempo que antes se desperdiciaba en la payment procedure; Esto significa que la eficiencia y velocidad del servicio al client es considerablemente alta.
Another advantage of this system is that it is fast, easy to use and at the same time very practical. We can see this in the moments when we go to a physical store and pay with a wallet card; its use is really simple and yet very effective.
Una de las características que se había mencionado al inicio del post era la seguridad, este sistema posibilita realizar rápidamente transacciones de dinero de una fuente a otra, pero esto asegurando que ambas partes estén de acuerdo en que dicha transacción se realice, por lo que el security systems that were implemented in order to have the control of this type of transaction, so our money and our transactions are absolutely safe.
It also helps fight one of the main drawbacks in business When making the payment of our products or services, and how many times has it happened to us that we only have one ticket to pay, and the staff mentions that they do not have change, this procedure called demonetization, is something very common. , but what is avoided with wallet cards, since the amount of the transaction is precisely similar to the cost of our products, so this problem does not exist, and we avoid that we stay in the box for longer, time in which we will try to get the coins to be able to complete the transaction.
At the same time, it is important to note that this payment scheme is quite versatile since it is accepted by a wide variety of businesses, being feasible that we even pay the public transport using this system. Undoubtedly, all these advantages are considerable and allow a great saving.
Its operation
The way these cards work is through a electronic chip, that enables strict control over the transactions we carry out; This chip serves as the one in charge of identifying our account, with which we are sure that it is ours, and that we are only charged for the amount that we accept.
So we already know how to get our account, but what about the money? The truth is that it is something very simple, once we have given the collector our card, our account is identified, once this happens, I can recharge the amount we want, from a few euros to the amount we want or not allowed by the store From this dynamic, the transaction is carried out with real money; even when it is possible that we also make payments to our wallet card using a Credit or debit card. From this dynamic we can manage our budget well, granting only a certain amount to a certain product or store.
Another opportunity that exists is that this card is linked to our credit or debit card, esto con la finalidad de que nunca nos quedemos sin saldo, o que el saldo que tenemos no be suficiente para realizar la compra o pago de los servicios prestados. Aún cuando la gestión de wallet card funds and its use is entirely at the discretion of the cardholder.
Money card in Spain
Among the varieties of purse cards that exist, in Spain we can find the following:
- First is the 4B purse, el cual es utilizado específicamente por el consorcio 4B, por lo que si deseamos saber más sobre su funcionamiento podemos solicitar la información en la página Web de dicho consorcio.
- The EURO 6000 wallet, this wallet card is specified by the Spanish Confederation of Savings Banks, and the base is in CEN WG10; This wallet, by its very nature, is quite versatile and is accepted in many organizations, even though it is recommended that we carefully review the terms of use and the conditions that we have to comply with if we want to use it.
- The VISA CASH wallet; This wallet card is specified by VISA and is based on TIBC, which is the smart card for banks and savings banks; Although it is important to note that one of the main disadvantages of this type of cards is that there is no interoperability between them, this tends to slightly complicate administrative issues and some transactions, however, several attempts are already being made to promote interoperability to be able to do then. they make the use of the cards much easier for the user.
- EMV; This wallet card is the Visa Europe and MasterCard, and it is a standard that was started by EMVCo, in 1999, this card works thanks to the association of Europay, MasterCard and Visa, which are the largest companies when it comes to transfers. electronic . The main use of these cards is to manage and promote specifications of virtual applications, as well as terminals and smart cards, which is done with the purpose of unifying, as far as possible, the transactions of these cards.
- CEPS, these are the common e-wallet specifications; This standard was initiated by the Spanish CEPSCO, AIE, EURO Kartensysteme, Europay and Visa; and the purpose of this association was to be able to provide the user with a worldwide interoperable wallet card, so its use is not limited solely to operations within national or European territory. Therefore, its versatility is much greater than that offered by many of the other cards that we find on the market.
There is no doubt that this system is something complex that has required a lot of work on the part of the financial organizations that have intervened in its creation, and is that the system for its proper functioning required a technological and logistical development, so that everything previously mentioned could be granted to the user.
Using one of these cards It is a great utility, since it greatly facilitates payment, at the same time allowing us to have greater control over our small expenses that we usually do, and this will allow us to have much healthier personal finances, improving our performance and our lifestyle. ways. we had not considered it before.
