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Product Crack: American Express ezeClick

The customer need not enter his cards details at the time of purchase.

The Reserve Bank of India on 28 February came out with a circular making it mandatory to make all debit and credit cards chip-based rather than with magnetic strips. It is a customer protection measure taken to stop card frauds which have been taking place across the globe by way of card cloning, skimming and data theft.

American Express recently launched a service which does not require a person to key in card details while making online purchase, thus reducing the chances of data theft.

What’s the service

The service is called ezeClick. Under this service, American Express cardholders can log on to the card issuers website and do a one-time registration and create an ID. Even more than one American Express credit cards of the same person can be registered under one ID with one card as the primary card and the rest as secondary cards. After creating the ID and linking the cards, if the cardholder wants to do an online purchase, she simply needs to click on American Express ezeClick option while choosing the card type while checking out. The system will ask for the ID and a one-time password (OTP) will be sent to the registered mobile number and email address which then needs to be keyed in to finish the transaction.

What’s the difference

Under the service, the customer need not enter his cards details at the time of purchase. This minimizes the check out time and also since no card details such as card number, CVV number and expiry date are required, data theft through keylogger —a dedicated malware to track keyboard strokes—is minimized. The details are stored in the servers of American Express against the created ID and so there is no need to key them in again. Whenever a purchase request is sent through the ID, the server matches it with the details and sends an OTP to the mobile phone and the email address of the customer.

Registering for the service is free for the customers of American Express and online transactions do not attract any extra charge.

Early days

The service seems to be promising as it cuts down on transaction time and also seems to offer safety. However, since the service has just started we need to wait and watch. Also, as of now not all billers and merchants have tied up for the service and so you may not find the service available with all of them. The service is India-specific and so if you are making a transaction on any foreign merchants’ website or foreign university, this facility will not be available.

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