{"id":137,"date":"2011-09-20T14:55:31","date_gmt":"2011-09-20T14:55:31","guid":{"rendered":"http:\/\/tedexis.wordpress.com\/?p=137"},"modified":"2011-09-20T14:55:31","modified_gmt":"2011-09-20T14:55:31","slug":"monedero-electronico-es-el-futuro-del-celular","status":"publish","type":"post","link":"https:\/\/www.tedexis.com\/en\/blog\/monedero-electronico-es-el-futuro-del-celular\/","title":{"rendered":"Monedero electr\u00f3nico es el futuro del celular"},"content":{"rendered":"

De la mano de la empresa espa\u00f1ola Movilway, los guatemaltecos podr\u00edan ver en un futuro cercano c\u00f3mo sus celulares se convierten en monederos electr\u00f3nicos.<\/em><\/p>\n

\"\"<\/a>Seg\u00fan Jes\u00fas Sardinero, Chief Executive Officer (CEO) de Movilway para la regi\u00f3n Centroam\u00e9rica, quien convers\u00f3 con Prensa Libre, en tres o cuatro meses estar\u00e1 lista la plataforma que soportar\u00e1 estas transacciones electr\u00f3nicas y hacia finales del primer semestre del 2012 se arrancar\u00e1 con esta herramienta m\u00f3vil.<\/p>\n

Agreg\u00f3 que adem\u00e1s de los operadores de telefon\u00eda m\u00e1s grandes, tambi\u00e9n se espera contar con la alianza de dos o tres bancos; seg\u00fan Sardinero, uno de ellos ser\u00e1 Banco Reformador, en donde el servicio empezar\u00e1 a funcionar en sus 96 agencias.<\/p>\n

\u201cPrimero estamos cambiando la mentalidad del usuario, para que no piense que est\u00e1 comprando solo saldo telef\u00f3nico, sino que vea una bolsa de dinero en su monedero electr\u00f3nico\u201d, resalt\u00f3 el empresario.<\/p>\n

El monedero electr\u00f3nico consiste en el uso de una tarjeta que almacena un valor monetario prepagado.<\/p>\n

Seg\u00fan Sardinero, con el monedero electr\u00f3nico se podr\u00e1n pagar en mediano plazo los servicios b\u00e1sicos, como el servicio de agua potable o la energ\u00eda el\u00e9ctrica.<\/p>\n

Posteriormente se podr\u00e1 pagar el autob\u00fas o comprar una bebida en una m\u00e1quina expendedora.<\/p>\n

\u00bfC\u00f3mo funciona?<\/strong><\/p>\n

Cada celular tiene tres n\u00fameros importantes: el del cliente, n\u00famero de serie de la terminal y el de serie de la tarjeta SIM; la combinaci\u00f3n de esos tres n\u00fameros hacen la autenticaci\u00f3n de un cliente. Este, adem\u00e1s puede incluir un password.<\/p>\n

Por ejemplo, para cancelar una bebida en una m\u00e1quina se puede hacer por medio de un mensaje de texto. La m\u00e1quina ha mandado una factura al operador y en el comprobante de tel\u00e9fono sale el consumo.<\/p>\n

Otra forma de pagar es cuando se paga con el celular, ya que este modelo, de manera autom\u00e1tica, se conecta con el servidor de Movilway y descarga de la cuenta corriente como d\u00e9bito el importe de la gasolina, el pan, o la compra que sea.<\/p>\n

Homero Bosch, gerente comercial de Byte, empresa fabricante de software, manifest\u00f3 que el sistema de tel\u00e9fono monedero se utiliza con \u00e9xito en varios pa\u00edses africanos, pero que en Am\u00e9rica Latina a\u00fan es incipiente.<\/p>\n

Agreg\u00f3 que en pa\u00edses como M\u00e9xico y Per\u00fa el modelo ha empezado a introducirse. El problema, seg\u00fan indic\u00f3, es que por cuestiones regulatorias en muchos pa\u00edses las compa\u00f1\u00edas de telefon\u00eda no pueden prestar el servicio, ya que implica captar dinero.<\/p>\n

En opini\u00f3n de Bosch: \u201cSe debe crear una ecosistema entre la compa\u00f1\u00eda que presta el servicio, la operadora de telefon\u00eda que presta su plataforma tecnol\u00f3gica para hacer la transacci\u00f3n, y el banco, en donde el usuario del servicio tiene una cuenta de dep\u00f3sitos monetarios o de ahorro\u201d.<\/p>\n

El ejecutivo de Byte refiri\u00f3 que en Guatemala ya es posible dar estos servicios, pues se tiene la tecnolog\u00eda 3G en celulares y solo se debe verificar qu\u00e9 dice la legislaci\u00f3n bancaria al respecto. \u201cPor supuesto que ser\u00e1 necesario hacer adecuaciones, tanto en el software del banco como con el de la compa\u00f1\u00eda de tel\u00e9fonos. Al final, el tel\u00e9fono se convierte en una especie de cajero autom\u00e1tico\u201d, agreg\u00f3 el ejecutivo.<\/p>\n

\u201cEsto fomentar\u00eda la competencia entre bancos y compa\u00f1\u00edas de telefon\u00eda\u201d, se\u00f1al\u00f3.<\/p>\n

Francis Mar\u00eda Masek, gerente del Departamento de Relaciones P\u00fablicas de Telef\u00f3nica, declar\u00f3 que las operadoras ya pueden hacer este tipo de operaciones porque cuentan con la tecnolog\u00eda.<\/p>\n

Luis Lara, gerente de Banco Industrial, explic\u00f3 que este proyecto s\u00ed es viable, ya que la banca tiene el software necesario.<\/p>\n

POR BYRON DARD\u00d3N<\/strong><\/p>\n

Art\u00edculo publicado en PrensaLibre.com y dada la importancia quisimos compartirlo con ustedes. Para ver el original haz click aqu\u00ed<\/a><\/em><\/p>","protected":false},"excerpt":{"rendered":"

De la mano de la empresa espa\u00f1ola Movilway, los guatemaltecos podr\u00edan ver en un futuro cercano c\u00f3mo sus celulares se […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[18],"tags":[],"class_list":["post-137","post","type-post","status-publish","format-standard","hentry","category-comercio-movil"],"yoast_head":"\nMonedero electr\u00f3nico es el futuro del celular - 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