Uhlelo lokukhokha lwedijithali lushintsha kakhulu ngokufika kwendlela evumela Dlulisa imali ngaphandle kokubhala amagama angaziwa, i-CBU, i-CVU noma ukuskena amakhodi e-QRKusukela manje kuqhubeke, ukuhlanganisa omakhalekhukhwini ababili abahambisanayo kuzokwanela ukuqedela ukuthengiselana kwe-akhawunti ngemizuzwana embalwa.
Lokhu kuthuthuka kobuchwepheshe kusekelwe ku- Ukuxhumana okuseduze kwe-NFC, yona leyo esivele isetshenziswa ekukhokheni amakhadi ngaphandle kokuthinta noma nge iselula Ezikhumulweni zezitolo ezithengisa izinto ezintsha. Okusha ukuthi le ndlela yokucabanga isetshenziswa ngqo ekudlulisweni kwemali ebhange kanye nasezimalini zedijithali, okuthembisa ukwenza lula izimpilo zansuku zonke zabasebenzisi asebevele beyishiyile imali.
Kuyini ukudluliselwa kwe-NFC ngaphandle kwe-alias kanye ne-QR ngaphandle?
Ukudluliselwa okusha kokulinganisa kusekelwe ku- Ubuchwepheshe be-NFC (Near Field Communication).Lokhu kuvumela ukushintshaniswa kwedatha phakathi kwamadivayisi aqhelelene ngamasentimitha ambalwa. Empeleni, ukudluliselwa kwemali kwenziwa "ngocingo kuya kocingo," kusetshenziswa ama-akhawunti asebhange afanayo (i-CBU) noma ama-akhawunti okukhokha (i-CVU) asevele esetshenziselwa ukudluliselwa kanye nezinkokhelo zekhodi ye-QR.
Okubalulekile wukuthi Asikho isidingo sokufaka noma yimiphi imininingwane yomamukeliAkukho gama eliyimfihlo, akukho nombolo ye-akhawunti, akukho ukuskenwa kwekhodi esikrinini noma okuphrintiwe. Umsebenzisi uvula uhlelo lwakhe lokusebenza lwasebhange noma lwesikhwama, akhethe inketho yokukhokha noma yokudlulisa ngaphandle kokuthinta, asondeze ifoni yakhe ephathekayo eduze kwedivayisi yomunye umuntu noma yomthengisi, futhi aqinisekise ukuthengiselana ngaphakathi kohlelo lokusebenza.
Lolu hlelo lusebenza phakathi kwabantu ngabanye kanye nasemabhizinisini angokoqobo. Ikhasimende lingakwazi khokha ngokusondeza ifoni yakho eduze kwetheminali yokukhokha noma kudivayisi yomthengisi, ngendlela efanayo naleyo esekela ngayo amakhadi angenakho ukuthinta namuhla, kodwa ithumela imali ngokudluliselwa okusheshayo esikhundleni sokuthengiselana ngekhadi.
Ngokusho kwabagqugquzeli balolu hlelo, uhlelo lucatshangwa njengo enye indlela ehambisanayo yamakhodi e-QR kanye nama-aliaseAkuyona into ezothatha indawo ephelele esikhathini esifushane. Umqondo uwukunikeza indlela eqondile nakakhulu kulabo asebejwayele ukukhokha ngeselula futhi abafuna ukunciphisa izinyathelo kanye namaphutha angaba khona.
Intuthuko esebenzisanayo engqalasizinda ekhona
Uhlelo olusha luqhutshwa yi- I-Coelsa, isikhungo sokuhlanza esicubungula ukudluliselwa okusheshayo, izinkokhelo ze-QR, kanye nezinye izinsimbi zikagesi ngaphakathi kohlelo lwezezimali. Indima yalo ibalulekile ngoba ikhambi alizalwa njengendawo evaliwe, kodwa lihlanganiswe nenethiwekhi yokukhokha esevele ixhumanisa amabhange, ama-wallet edijithali kanye nezinkampani ze-fintech.
Le nkampani igcizelela ukuthi Ubuchwepheshe be-NFC bufakwe ngaphezu kwezindinganiso ezifanayo zokusebenza nokuphepha ezisebenzisa ukudluliselwa kanye nezinkokhelo zekhodi ye-QR. Lokhu kusho ukuthi izikhungo zezimali zingangeza ukusebenza ngaphandle kokwakha kabusha ngokuphelele izinhlelo zazo, zigcine izinqubo zokubuyisana, zokuxazulula, kanye nokulandelela esezivele zikhiqizwa.
Empeleni, ukudluliselwa kokulinganisa kubonwa yi izimpawu ezithile ngaphakathi kwezinqubo zokuhlanza kanye nesinxephezeloLokhu kuvumela ukuthi zihlukaniswe kweminye imisebenzi, kodwa ngaphandle kokudala izithiyo zobuchwepheshe ezengeziwe kubahlanganyeli noma okudinga umsebenzisi ukuthi afunde i-logic entsha ngokuphelele.
Isiphakamiso sethulwa njenge- uhlelo oluvulekile nolusebenzisanayoLokhu kuvumela amabhange avamile, izikhungo zezimali ezingezona ezebhange, kanye nama-wallet edijithali ukuthi asebenze ngendlela efanayo. Kungakhathaliseki ukuthi ikhasimende lisebenzisa uhlelo lokusebenza lwebhange noma ipulatifomu ye-fintech, uma nje umhlinzeki walo esekela ukusebenza kwe-NFC, angathumela futhi athole imali nge-NFC nanoma yimuphi omunye umhlanganyeli ohlelweni.
Indlela ukudluliselwa kokulinganisa okusebenza ngayo
Inqubo yokusebenzisa ukudluliselwa ngaphandle kwezibizo noma amakhodi e-QR ilula kakhulu futhi incike ezinyathelweni ezifana kakhulu nalezo zokukhokha okuvamile ngaphandle kokuthinta. Womabili amadivayisi kumele abe ne-NFC evuliwe. kanye nohlelo lokusebenza oluhambisanayo olukuvumela ukuthi uqalise lolu hlobo lokusebenza.
Phakathi kwabantu ngabanye, ukugeleza okuyisisekelo kungokulandelayo: umsebenzisi okhokhayo uvula uhlelo lokusebenza, ukhetha inketho yokuthumela imali ngokuseduze, afake inani uma kudingeka, bese Sondeza ifoni eduze kwefoni kamakhalekhukhwini yomamukeli.Amadivayisi aqashelwa ngokuphephile, uhlelo lokusebenza lubonisa imininingwane yomamukeli kanye nenani esikrinini, futhi okhokhayo uqinisekisa ukudluliselwa ngendlela yakhe yokuqinisekisa elungiselelwe (i-PIN, i-biometrics, njll.).
Ezitolo, inqubo ifana kakhulu nokukhokha ngekhadi elingenakho ukuthinta: ibhizinisi line-POS noma i-terminal evuliwe, inani lilayishwa kudivayisi yesitolo futhi Ikhasimende kumele lisondeze ifoni yalo ephathekayo noma iwashi elihlakaniphile elisebenzisa i-NFC eduze kwesikrini. ukuqala ukuthengiselana. Futhi, akukho khodi ye-QR ehilelekile, futhi akukho lwazi olufakwe ngesandla.
Abaphathi bephrojekthi bagcizelela ukuthi Lesi sixazululo sincike ekudluliselweni okuqondile phakathi kwama-akhawunti e-CBU kanye ne-CVUNgamanye amazwi, imali isuka ku-akhawunti iye ku-akhawunti ngaphakathi kohlelo lwezezimali, ngaphandle kokudlula ezinhlakeni zangasese noma kumamodeli esikhwama esivaliwe, okuqinisa ukucaca kanye nokuqapha kwemithetho.
Ngaphezu kwalokho, ukucabanga okufanayo kuvumela lokho amadivayisi afana namawashi ahlakaniphile ane-NFCUma nje bene-app yasebhange noma yesikhwama esihlanganisiwe, bangasebenza ngaphansi kwalolu hlelo. Ngale ndlela, umsebenzisi angakhokha noma athumele imali ngisho nangaphandle kokukhipha ifoni yakhe ephaketheni lakhe, ngokumane aphendule isihlakala sakhe phambi kwedivayisi eyamukelayo.
Izinzuzo ngaphezu kwamakhodi e-QR kanye nama-alias kulwazi lomsebenzisi
Umehluko omkhulu uma uqhathaniswa nezindlela zamanje usejubaneni. Ngezinkokhelo ze-QR, umsebenzisi kumele Vula uhlelo lokusebenza, vula ikhamera, skena ikhodi, hlola inani, bese uqinisekisa.Uma kuwukudluliselwa okuvamile, kufanele futhi uthole igama eliyimfihlo noma iphasiwedi yomunye umuntu, uyibhale phansi, bese uhlola amaphutha.
Ngokudluliswa kwe-NFC okuseduze, Konke kuncike ekutheni isenzo esisheshayo: hlanganisa amadivayisi ndawonye bese uqinisekisa ukusebenza kwawoKususa noma yisiphi isidingo sokuthayipha idatha, okunciphisa kakhulu amaphutha avamile ekubhaleni amagama angaziwa, ama-CBU noma amanani, futhi kunciphisa isikhathi esithathayo ukuvala inkokhelo mathupha.
Lokhu kulula kubonakala kokubili ekuthengiselaneni kwabantu ngabanye—ngokwesibonelo, lapho behlukanisa ibhili endaweni yokudlela noma bekhokhela umngane—nasezinkokhelweni zansuku zonke ezitolo. Ukungqubuzana ngesikhathi sokukhokha kuncishisiweImigqa ihamba ngokushesha futhi umsebenzisi akudingeki afune amakhodi, amakhadi angokoqobo noma idatha ebhalwe phansi ocingweni lwakhe.
Kusukela emkhakheni wezezimali, abahlaziyi abaningi bakholelwa ukuthi, ngokwesipiliyoni, inketho yendlela iyona engcono kakhulu. Kuyaqondakala kakhulu kunamakhodi e-QR.Lokhu kungenxa yokuthi iphinda izenzo abantu abavele bazihlanganisa nokukhokha amakhadi ngaphandle kokuthinta. Lokhu kujwayelana kungasiza ekusetshenzisweni ngokushesha uma izinhlelo zokusebenza sezivule ukusebenza.
Kumabhizinisi, ushintsho lubalulekile futhi: ngaphezu kokwenza inqubo yokukhokha ibe lula, Ukuthengiselana kuxazululwa njengokudluliselwa okusheshayoLokhu kusiza ukwenza imali itholakale cishe ngokushesha, ngaphandle kokuncika esikhathini esivamile samakhadi avamile.
Imakethe ekhula ngokushesha yokudluliselwa okusheshayo
Ukuqaliswa kwale ndlela kuza lapho Izinkokhelo ngokudluliselwa kwemali ebhange seziyindlela eyinhloko yokukhokha. ye-ecosystem yedijithali. Imibiko yakamuva esemthethweni ikhombisa ukuthi ukudluliselwa okusheshayo kudlula amakhulu ezigidi zemisebenzi yanyanga zonke kanye nezibalo zokuthutha ngokulandelana kwama-trillions ama-pesos inyanga ngayinye.
Ngokusho kwedatha evela eBhange Elikhulu, i- Izinkokhelo ezisebenzisanayo ngokudluliselwa (i-PCT) nge-QR Zibala cishe zonke izinkokhelo eziqalwe ngalesi siteshi, ezimele cishe u-99% wenani eliphelele lemisebenzi. Ngenyanga eyodwa, cishe izinkokhelo eziyizigidi ezingu-88,9 ngama-peso zabhaliswa ngamakhodi e-QR angasebenzisana, okumelela ukukhula okuphawulekayo konyaka nonyaka kokubili enanini kanye nenani langempela.
Kuleyo ndawo yonke, Ingxenye engaphezu kwengxenye yezentengiselwano ivela kuma-akhawunti asebhange (i-CBU) kanye nokunye okuse-akhawuntini yokukhokha (i-CVU) yama-wallet edijithali. Ngasohlangothini lomthengisi, ingxenye enkulu yezimali igcina ifakwa ngqo kuma-akhawunti okukhokha, okubonisa ukubaluleka okukhulayo kwe-fintech enqubweni yokuqoqa yansuku zonke.
Uma sibheka zonke izinkokhelo ezenziwe ngokudluliselwa kwemali ebhange ngama-peso, inani eliphelele lemisebenzi licishe libe yizigidi ezingama-89,9 ngenyanga, kanye nokwenyuka konyaka nonyaka okungaphezu kwama-40% kanye nenani eliphelele elingaba yizigidigidi ezingama-2,1 zama-peso. Ngaphezu kwama-75% okuthengiselana okusheshayo sekuvele kudlula kuma-wallet edijithaliLokhu kubonisa ushintsho olukhulu emikhubeni yokusebenzisa imali uma kuqhathaniswa neminyaka embalwa edlule.
Kulesi simo sokwanda okunamandla, ukufakwa kokudluliselwa kwe-NFC kubhekwa njengesinyathelo esengeziwe sokuqinisa umnotho wedijithali nokususa imali, kusetshenziswa isisekelo sabasebenzisi esivele sithemba izinhlelo zokusebenza zokukhokha futhi esijwayele ukusebenza kusuka kuselula.
Indima yokukhokha ngaphandle kokuthinta kanye nezokuthutha zomphakathi
Ukuqaliswa kwalesi sici esisha akunakuqondwa ngaphandle kokukhuphuka kwangaphambilini kwe izinkokhelo ezingathintwa Ngokuvamile. Eminyakeni yamuva nje, amabhange kanye nabakhiphi bakhuthaze kakhulu ukusetshenziswa kwamakhadi angenakho ukuthinta kanye nezinkokhelo zeselula, ngokukhushulwa, izaphulelo, kanye nezivumelwano nabathengisi ukuze kukhuthazwe ukwamukelwa kwawo.
Ukwenyuka okwengeziwe kwavela ku- ezokuthutha zomphakathi, lapho kungenzeka khona kakade ukukhokhela uhambo ngamakhadi namadivayisi e-NFC ezinhlotsheni eziningi zesitimela sangaphansi komhlaba kanye namabhasi. Izigidi zohambo ngenyanga zikhokhelwa ngokumane nje ulethe ikhadi eduze komfundi, ngaphandle kwemali noma amathikithi angokoqobo phakathi.
Phakathi naleso sikhathi, i- Izinkokhelo zekhodi ye-QR kwezokuthutha zifinyelele ezibalweni ezicishe zibe yizigidi ezingu-16,5 zohambo ngenyangaLokhu kuqinise ukusetshenziswa kwezikhwama zemali zedijithali ngemali encane kanye nezindleko zansuku zonke eziphindaphindayo. Lokhu kuhlanganiswa kwezinketho kuye kwajwayela abasebenzisi ukuthi banganciki emalini yokuthutha noma yokusetshenziswa.
Ukufika kokudluliselwa kwe-NFC kuthatha le ndlela yokusebenza esivele ivuthiwe njengendawo yokuqala: Izakhamuzi zijwayelene nokuthinta ikhadi lazo noma ifoni yazo ephathekayo. ku-validator ukuze bakhokhe; manje bacelwa ukuba benze into efanayo yokuthumela imali komunye umuntu noma ukuthenga ngokudluliselwa ngokushesha.
Lokhu kushintsha kwemikhuba kungenye yezinto ezingasiza ubuchwepheshe obusha buthole ukuthandwa ngokushesha, uma nje abahlinzeki bezinsizakalo zezezimali bebusekela ngokuqaliswa okucacile kanye nokuxhumana okulula okuchaza ukuthi busetshenziswa kanjani nokuthi yiziphi izinzuzo obuzinikezayo ekusebenzeni.
Imodeli evulekile egwema izinhlelo ezivaliwe
Esinye sezici ezigcizelelwa kakhulu yilabo abaphethe lo mkhankaso ukuthi imodeli yokukhokha esekelwe ekusondeleni engaxhomekile kumanethiwekhi avaliweNgokungafani nezinye izinhlelo zobunikazi lapho izinhlangano noma izinhlelo zokusebenza ezithile kuphela ezingahlanganyela khona, ikhambi lincike engqalasizinda evamile yokudluliselwa kanye nezinkokhelo ezingasebenzisana.
UCoelsa uklame ukusebenza ukuze noma yiliphi ibhange, isikhwama semali sedijithali noma inkampani ye-fintech ingakuhlanganisauma nje ihlangabezana nezidingo zobuchwepheshe nezokuphepha ezichaziwe. Lokhu kuqinisa ukuncintisana ngokusekelwe kokuhlangenwe nakho komsebenzisi, isevisi, kanye nezindleko, kunokuba kubhekwe ukuthi ubani olawula inethiwekhi noma indinganiso yokusondelana.
Indlela evulekile nayo ifuna gwema ukuqhekeka kohlelo lokukhokhaLokhu kuyingozi evamile lapho kuvela izixazululo ezintsha ezisebenza ngesikhathi esisodwa futhi ezingaxhumani. Kulesi simo, ukudluliselwa kwe-NFC kumane kungenye indlela yokuqala ukuthengiselana okucutshungulwa ngeziteshi ezikhona, okuhambisana nazo zonke izinsimbi zamanje.
Kumabhizinisi nakubasebenzisi bokugcina, lokhu kuholela enzuzweni ecacile: Asikho isidingo sokushintsha amabhange noma ukuvula ama-akhawunti engeziwe. Ukuze kuzuze lesi sici esisha, uhlelo lokusebenza olujwayelekile ludinga nje ukuhlanganisa inketho, into izinhlangano eziningi eseziyicabangela kakade kumamephu azo ezindlela.
Lolu hlaka, oluhambisana nomkhuba womhlaba wonke wokusebenzisana ezindleleni zokukhokha, Lokhu kubeka izwe endaweni ethuthukile ngaphakathi kwesifunda.ngokuba nesixazululo sokudlulisela ukusondelana okungenzeka sibe nokufinyelela okukhulu futhi esilawulwa ngohlaka lwezezimali olusemthethweni.
Ukwamukelwa, izikhathi kanye nezinselele ezizayo
Nakuba ingqalasizinda eyisisekelo isithuthukisiwe futhi isilungele ukusebenza, ukusetshenziswa okuphumelelayo kokudluliselwa kokusondela Kuzoncika ohlelweni lwesikhungo ngasinye sezezimali. Amabhange, izikhwama zemali zedijithali, kanye nezinkampani ze-fintech zinesibopho sokushintsha izinhlelo zabo zokusebenza zeselula, ukuhlanganisa ama-API ahambisanayo, kanye nokusebenzisa inketho yokukhokha ye-NFC kumakhasimende azo.
Kuthathwa kalula emkhakheni ukuthi izinhlelo zokusebenza zasebhange eziyinhloko kanye nezinye izikhwama zemali ezihamba phambili Banezisusa ezicacile zokufaka ukusebenzaLokhu kungenxa yokuthi kungenzeka ukuthi kunikezwe ulwazi olubushelelezi kanye nesidingo sokuncintisana emakethe lapho izinkokhelo zedijithali sezivele ziyisiteshi esiyinhloko.
Ngaphandle kwezici zobuchwepheshe, enye yezinselele ezinkulu kuzoba ukuxhumana nabasebenzisiIningi labantu selivele lijwayele ukusebenzisa ama-alias namakhodi e-QR, futhi ukushintsha imikhuba akukaze kwenzeke ngokushesha. Kodwa-ke, isithembiso sokumane ubambe ifoni yakho esikrinini bese uyiqinisekisa singaba yisizathu esinamandla sokusheshisa lolo shintsho.
Ochwepheshe baphinde babonise ukubaluleka kokuthi amabhizinisi asebenzisa ngokushesha ama-terminals nezinhlelo zokusebenza ezihambisanayoikakhulukazi emikhakheni enenani elikhulu lokuthengiselana mathupha. Uma inketho entsha ibonakala kakhulu ezitolo, ezindaweni zokuphuza utshwala, ezokuthutha kanye nezinsizakalo zansuku zonke, kuzoba lula kakhulu emphakathini ukuyizama.
Njengoba iqaliswa, le ndlela izohambisana nezinye izindlela: ama-alias, i-CBU, amakhodi e-QR namakhadi kuzohlala kutholakalaFuthi kuzoba ngumsebenzisi onquma nganoma yisiphi isikhathi ukuthi iyiphi inketho elula kakhulu. Ukuncintisana phakathi kweziteshi kuzogcina kuchaze ukubaluleka kwento ngayinye ekusetshenzisweni kwansuku zonke.
Ukwengezwa kokudluliselwa okungenazimfihlo nokungena-QR nge-NFC kuphawula isinyathelo esibalulekile ekuthuthukisweni kokukhokha kwedijithali: ngokwakha phezu kwengqalasizinda esivele ivuthiwe yokudluliselwa okusheshayo, amakhodi e-QR asebenzisanayo, kanye nama-wallet abonakalayo, manje sekunezelwa indlela yokusondela evumela ukuthumela nokwamukela imali ngesenzo esilula, igcina amazinga okuphepha ohlelo lwezezimali, futhi iqinise ukusebenzisana phakathi kwamabhange nezinkampani ze-fintech endaweni lapho imali ilahlekelwa khona yizixazululo ze-elekthronikhi.
