Ungase ungajwayelene nencazelo yegama elithi "tokenization," noma uma ujwayelene nayo, ungase ungacaci ngokuphelele ngezinzuzo ezingakunikeza ibhizinisi lakho, noma ukuthi iyasebenza yini emkhakheni wakho. Yingakho kulesi sihloko sifuna ukuchaza izinzuzo zokusebenzisa ama-tokenization ezinkokhelweni kanye nezinhlelo zokusebenza zayo ezahlukahlukene , ekugcineni ezihumusha kube ulwazi olungcono lwamakhasimende kanye nokuthengisa okwandisiwe kwebhizinisi lakho, ngokusho kweziqondiso ezisungulwe yi-Sipay. Lobu buchwepheshe bungasetshenziswa kokubili kwezentengiselwano eziku-inthanethi nezingaxhunyiwe ku-inthanethi kanye nasemamodelini amaningi ebhizinisi.
Sizoqala ngokuchaza ukuthi ukusebenza kwamathokheni kusebenza kanjani. Lapho umuntu ekhokha esitolo, kungaba ngokwenyama noma nge-inthanethi ngekhadi lakhe, kunethuba lokugcina idatha yekhadi elishiwoyo ukuze kungadingeki bazifake ekuthengeni okulandelayo noma izinkokhelo. Ukwenza lokhu, kufanele kwenziwe ithokheni eyingqayizivele ehambisana nalelo khadi, ngoba imininingwane yangempela akufanele igcinwe ukugwema ukukhwabanisa noma ezinye izingozi. Amathokheni enziwe azogcinwa egumbini eliphephile futhi angasetshenziselwa ukuqoqwa okuzayo (njalo ngokugunyazwa kwangaphambili komsebenzisi).
Lena inketho entsha kakhulu futhi esezingeni eliphezulu yokuqoqa izinkokhelo zemikhiqizo, izinsizakalo, noma izinto ezithengiswa yilezi zinkampani ku-inthanethi. Kwezinye izimo, kungaba yisisombululo sezinkinga zabo , sinikeza izici ezahlukahlukene ezingaba wusizo kakhulu ezithakazelweni zabo zebhizinisi kusukela manje kuqhubeke, zidlula ezinye izindlela ezivamile noma zendabuko zalolu daba.
Incazelo yokwehliswa kwamathokheni
Lo mqondo osanda kudalwa, uma usetshenziswa ekuphepheni kwedatha, uhilela ukufaka esikhundleni sento yedatha ebucayi nge-equivalent engeyona ebucayi, ebizwa ngokuthi i-token, engenancazelo noma inani elingaphandle noma elingasebenziseka. Ngakolunye uhlangothi, esimweni sezindlela zokukhokha, i-tokenization ekuqaleni yaqhutshwa ukukhula kwamamodeli ebhizinisi amasha avela ngokukhuphuka komnotho wedijithali . Izinzuzo ezilethwe yilezi zinhlobo zebhizinisi ezintsha—isabelo esikhulu semakethe, okunikezwayo okwenziwe ngezifiso, kanye nokuhlangenwe nakho okulungiselelwe izidingo zamakhasimende—kwahunyushwa ngokushesha kwaba izinguquko ezidingekayo ukuvikela idatha yabathengi engadalulwa ngesikhathi sokuthenga.
Isebenza kanjani le ndlela yokukhokha
Kunoma ikuphi, kufanele kugcizelelwe ukuthi ukusebenza kwethokheni kulula futhi, uma sigcina amabanga, singakufingqa ngezigaba ezintathu:
- Ukuhlinzekela (iklayenti selivele linayo ithokheni exhunywe kwi-PAN yayo);
- Ukuqinisekiswa (ithokheni ithunyelwa kunethiwekhi yekhadi lesikweletu ukucubungula ukuthengiselana futhi le nethiwekhi isusa ithokheni, ithola i-PAN eyithumela ebhange lomnikazi wekhadi futhi ithola ukuqinisekiswa kusuka kuleso sikhungo sezezimali);
- Ukugunyazwa (Uma ukuqinisekiswa kokuthengiselana sekutholakele, inethiwekhi iphinda inike amandla i-PAN bese ithumela ukugunyazwa kumthengisi).
Izinzuzo ekusetshenzisweni kwayo
Ngenkathi ngakolunye uhlangothi, kunezinzuzo eziningi ezinganikeza labo ababhekele lo layini webhizinisi ledijithali. Phakathi kwalabo abavelele ezinye zalezo esizokudalula ngezansi. Phakathi kwezinzuzo ezihlinzekwa yileliqhinga kukhona okulandelayo esizonikela ngakho kusukela manje kuqhubeke:
- Susa ukukhishwa kolwazi lwedatha yamakhasimende endaweni ngayinye yokukhokha.
- Amathokheni awahlehliseki ngakho-ke kuba yimininingwane engenamsebenzi yokuthi umuntu wesithathu afinyelele kuwo.
- Ukuba lula nokushesha kokuthengiselana.
- Ngokugcina amathokheni hhayi imininingwane yekhadi elibucayi, abathengisi basesimweni esingcono sokukhuphula amazinga abo wokuvikela idatha.
- Ngokukhawulela inani lezinhlelo ezifinyelela kulwazi lwekhadi lokukhokha, yehlisa ububanzi bokuhambisana kwe-PCI DSS futhi yenze kube lula ukuthola isitifiketi ngezidingo ezimbalwa.
- Akudingekile ukusebenzisa izilawuli ezihambisana nedatha eyimfihlo, ngoba ithokheni ayithathwa njengedatha eyimfihlo.
- Kusiza ukutholakala kwamabhizinisi amaningi we-elekthronikhi anezindinganiso ezingcono zokuphepha, konke kusebenza namanye amapulatifomu wamathokheni akhona.
Izindlela zokukhipha imali
Lokhu ngokuqinisekile kuyinzuzo. Kodwa-ke, ngamapulatifomu alolu hlobo, lokhu kuthengiselana ngemali kungenziwa kokubili ngezimali ze-fiat kanye nezimali ze-crypto ezitholakalayo. Ngokuphathelene nezimali ze-fiat, zikhawulelwe ezimalini eziningana: i-euro kanye nedola laseMelika, phakathi kwezifanele kakhulu. Lokhu kuhlangabezana nokulindelwe abasebenzisi baseYurophu.
Lokhu kuhamba kungenziwa ngezindlela ezimbili zokukhokha. Ngakolunye uhlangothi, ngqo ngamakhadi wesikweletu nawasebhange cishe yonke imikhiqizo yezentengiso: i-VISA, i-MasterCard ... Futhi ngakolunye uhlangothi, ngokudluliswa kwebhange kuzimali zedijithali ezibalulwe ngenhla. Azisekho izindaba maqondana nalesi sigaba.
Yimaphi ama-cryptocurrensets lawa mapulatifomu edijithali?
Kuze kube manje, le nkundla yedijithali inikeza izinhlobo zemali zedijithali ezingaphezu kweshumi, okuhlanganisa nezinye ezivelele kakhulu. Ivumela abasebenzisi ukuthi bathengiselane nezitolo eziku-inthanethi namabhizinisi besebenzisa i-Bitcoin (BTC), i-ETH (Ethereum), kanye ne-Bitcoin Cash (BCH) , phakathi kwezinye.
Vele, kunezelwa imali entsha minyaka yonke. Yize ngaphandle kokuqina abanye opharetha balezi zici abanikezayo. Kungashiwo ukuthi kuyindlela enhle yokusebenza namabhizinisi kagesi anama-cryptocurrensets athandwa kakhulu okwamanje. Kepha kwezinye izimo hhayi ngezinto ezintsha kakhulu futhi lokhu kuyiqiniso okufanele ukubhekelwe.
Izinhlelo zokuphepha
Lezi zinkundla eziku-inthanethi zinikeza uhlelo lokuphepha olungachazwa njengolwamukelekayo noluthembekile. Ukuze kuvinjelwe izehlakalo ku- blockchain , zinamazinga ahlukene okuphepha ukuvikela ukuthengiselana, kugxilwe kakhulu ekugcineni imali ngokuphepha.
Ngakolunye uhlangothi, inikeza uhlelo lokubethela lwe-SSL ukunikeza ukuphepha okwengeziwe ekuxhumaneni. Lesi yisici esisiza ukwethemba ukusebenza noma ukuthengiselana okwenziwa abasebenzisi noma amakhasimende. Ukuthi kube nobufakazi obucace bha bokubaluleka kwalezi zindlela ukunika ukubaluleka kwezokuphepha. Ukuba enye yezinsizakalo ezifanele kakhulu ekunikezelweni kwayo kwamanje.
Isevisi yamakhasimende
Lokhu kungenye yamandla alolu hlelo olusha kubuchwepheshe balo bokwenza imali. Siyaqaphela ngokushesha ukubaluleka kwalo ebudlelwaneni namakhasimende. Umnikelo walo oyinhloko usekuxoxweni bukhoma okuhlanganiswe kwiwebhusayithi yalo . Lusingatha zonke izinhlobo zemibuzo, kungaba eyobuchwepheshe noma ehlobene nokufaka imali kanye nokuhoxiswa kwemali.
Ngokusebenzisa ithebhu ngokuzimela ivumela ukuxhumana kahle kakhulu. Akunasidingo sokubhalisa noma ezinye izidingo ezingeziwe. Kuwusizo olubaluleke kakhulu kunoma iyiphi inkinga esinayo. Ukuqaliswa kwayo endaweni yesikhulumi kuyabongwa.
Enye yezinye izindlela zayo imelwe ngokubonisana kwendabuko kwemibuzo ebuzwa njalo noma ama-FAQ. Yize ingeyona ewusizo kakhulu kuleli banga labasebenza nge-cryptocurrency.
Njengemibuzo elula efana nale elandelayo:
- Indlela yokwenza idiphozi yokuqala?
- Kwenzekani uma ungakwazi ukufinyelela kungxenyekazi?
- Yiziphi izindlela zokukhokha nokuhoxa?
Enye insiza esingayisebenzisa ikheli lakho le-imeyili. Kepha kuzofanele silinde isikhathi eside ukuthola impendulo esiyifunayo. Futhi ucingo lwayo lwamazwe omhlaba alukho. Akusebenzi kakhulu futhi akusizi ukucacisa ukungabaza okuvame kakhulu ngabasebenzisi.
Ubukhona ezinkundleni zokuxhumana
Maduze nje kutholakele ukuthi ingxenye enhle yamabhizinisi noma ulayini n umugqa unikeza inani elikhulu kumanethiwekhi omphakathi. Ngenani elilinganisiwe kakhulu labalandeli abakhuthele kakhulu kuzo. Ngakho-ke ikhona kumanethiwekhi amaningi omphakathi. Kokunye okuhambisana kakhulu, njenge-Twitter ne-Facebook.
Ukuba khona kwabo ku-YouTube kungenye intuthuko ephawulekayo. Lapho, bachaza indlela yokusebenzisa le nkundla yedijithali. Lezi ziteshi ziwusizo kakhulu kubasebenzisi abanolwazi oluncane ekuhwebeni nge-cryptocurrency. Ngakho-ke, akumangazi ukuthi lezi nkundla okwamanje zinomphakathi osebenzayo kakhulu, ikakhulukazi eYurophu, oqapha kakhulu ukusebenza kwazo.
Lezi ziteshi zokuxhumana zingenye yamandla alesi sigaba sezimali. Ngokukhula unyaka nonyaka enanini labalandeli. Kepha ngaphandle kokufinyelela ezingeni labasebenza phambili emkhakheni.
Kunoma yiziphi izimo, kubalulekile kakhulu ukugcizelela ukuthi le misebenzi esiyibuyekezile ihlukaniswe ngamabhulokhi noma ngamatimu ukwenza kube lula ukuxazulula inkinga esinayo. Kukhona futhi umhlahlandlela owenzelwe ukuchaza izingxenye ezibalulekile okufanele sizazi ngama-cryptocurrensets. Singafunda ngeBitcoin ne-Ethereum, kufaka phakathi lokho abayikho, ukuthi basebenza kanjani, nokuthi kungani kubaluleke kangaka emkhakheni we-cryptocurrency.