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Two French credit card issuers--Société Générale and Caisse d’Epargne--have introduced disposable credit card numbers, which card issuers in the U.S. have been promoting for nearly two years.
Two French credit card issuers have introduced disposable credit card numbers, which card issuers in the U.S. have been promoting for nearly two years. Two bank members of Carte Bleue, the French affiliate of Visa International, have launched pilot projects: Société Générale and Caisse d’Epargne.
The service is being rolled out to all member banks of Carte Bleue, with several financial institutions committed to launching it by the end of the year. They include La Poste, France’s postal service, in early June, Crédit Lyonnais in September, and Banques Populaires by the end of 2002. Accepting a disposable card number for payment appears to merchants exactly as accepting any other credit card number.
An Internet user who wants to use the disposable number signs up for the service with an issuing bank, the receives the number from the bank in real-time at the time of purchase.
Each cardholder receives an identifier and password as well as a web site address from which to download the e-Carte Bleue software. Once the software has been installed, the icon representing the service will be displayed on the screen in the toolbar. When an Internet user browsing on a retail web site decides to make a purchase, the cardholder activates the software program by clicking on the service icon.