Storing Passenger and Payment Data: A Key Step to Increase the Payment Security of Mobile Bookings
VP SALES-APAC
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Storing Passenger and Payment Data: A Key Step to Increase the Security of Mobile Bookings

Last week’s blog post explored the benefits of a mobile booking engine for airlines and transportation firms, and this week turns to the recurring issue of payment security: specifically, passengers’ concerns about the security of their personal data and money when they pay directly from a smartphone, mobile wallet or digital device.

Every new headline about a global cyberattack or industrywide hack can instill doubts in consumers’ minds about the wisdom of switching from plastic payment cards to mobile apps and digital wallets for all of their payments, transactions and interactions, especially as they travel.

Luckily, the industry is addressing those concerns on multiple fronts. Biometrics, for example, are easing security concerns around passenger boarding and baggage (June 21 blog), Visa is using QR codes to protect payments in Taiwan, and facial recognition technology might replace ID fingerprinting on Apple’s new iPhone 8. The ability to book and pay for travel directly from a mobile device also brings with it added layers of security when the booking engine itself is supported by a commerce orchestration platform with built-in levels of verification and authorization.

Mobile bookings renew interest in payment security

This renewed emphasis on booking security comes during a year when one-quarter of gross online traveling bookings in the U.S. and Europe, more than one-third in Asia-Pacific, and 60% in China will be transacted on a mobile device, according to Phocuswright predictions.

Done correctly, booking directly from a mobile app or via mobile web includes the safe storage of passenger information and payment data. There’s no need to enter and re-enter the same account numbers, security codes and PINs during the process of booking (and as a result, less risk of data being stolen on public Wi-Fi networks during that laborious process).

CellPoint Mobile ups the ante by building extra layers of security into its mobile commerce platform and processes, including industry-standard PCI DSS and ISO 27001 compliance, multi-factor authentication, flexible fraud rules that include geolocation and velocity factors, device fingerprinting and more.

Payment security boosts consumer confidence, loyalty

Not only do these features lessen the risk of fraud and hacks, they also instill user confidence, boost brand image, and deepen long-term loyalty. Each securely executed ticket purchase from a smartphone or mobile app builds confidence that future transactions also will be seamless and secure.

Not only do these features lessen the risk of fraud and hacks, they also instill user confidence, boost brand image, and deepen long-term loyalty. Each securely executed ticket purchase from a smartphone or mobile app builds confidence that future transactions also will be seamless and secure.

Kount’s recent “5th Annual Mobile Payments & Fraud Survey” notes that beyond the costs and IT challenges of mobile payment adoption, merchants struggle most with payment platforms that address consumers’ security concerns and the merchants’ ability to manage fraud risks.

A mobile booking engine powered by a robust commerce orchestration platform builds security directly into the transaction – always running in the background so that passengers, airlines and merchants alike can feel confident that mobile bookings and mobile payments are as safe and seamless as possible. To find out more about our Mobile Booking Engine, contact us at info@cellpointmobile.com for a demonstration or strategy session.