Kunesimo esibizwa ochwepheshe ukukhuliswa komnotho. Lesi simo siqukethe ukufakwa phakathi kwezinsizakalo kanye nezingxoxo ngama-smartphone ethu. Singenza okuningi ngamadivayisi ethu: kusukela ekubhaliseleni isevisi, ukusayina idokhumenti, noma ukuphatha ibhange lethu eliku-inthanethi, kuya ekukhokheni kunoma yisiphi isitolo esingokoqobo noma esiku-inthanethi ngaphandle kokukhipha isikhwama sethu semali. Izicelo ezifana nalezi: I-Apple Pay, i-PayPal noma i-Google Wallet Kancane kancane bebelokhu beshiya amakhadi edebithi kanye nawesikweletu njengendlela yabo eyinhloko.
Ukusebenziseka kalula okudalwe yilezi zinsizakalo kushiye amabhange amaningi ngemuva emjahweni wokusungula izinto ezintsha, ngenxa yabo ukuphepha okuthuthukisiwe, it ukusebenza kahle empilweni yansuku zonke kanye nabo amakhomishini aphansiKonke lokhu kuyandiswa uma kukhulunywa ngakho izinkokhelo zamazwe ngamazwelapho izinkokhelo zeselula kanye nama-wallet abonakalayo zigwema izinqubo eziyinkimbinkimbi kanye nezindleko ezengeziwe ezivamile ebhange lendabuko.
Cabanga ukuthi uthole umkhiqizo ophelele kuwe ngengozi ngenkathi uphequlula i-inthanethi kusuka kufoni yakho ephathekayoUma unqume ukuyithenga, uyaqaphela ukuthi isitolo samukela kuphela izinkokhelo zekhadi lesikweletu noma ledebithi, futhi awunayo okwamanje. Uma ungenayo izinsizakalo zokukhokha ngama-smartphone Esitolo sakho, amakhasimende akho angazithola ekulesi simo esifanayo bese eshiya inqola yawo ngemizuzwana embalwa.
Thina, njengoba osomabhizinisi abasebenza ngogesiKumelwe siqonde ukubaluleka kokufaka izindlela ezintsha zokukhokha esitolo sethu. izikhwama ezibonakalayo Zenza inqubo yokuthenga ibe lula kakhulu, zisiza abathengi nabathengisi ukuthi baxhumane futhi basebenzisane ngendlela yemvelo kakhulu nelula. Ngaphezu kwalokho, zivumela ukuhlanganiswa kwezinkokhelo zamakhadi, izikhwama zemali zamazwe ngamazwe, izixazululo zokukhokha ezisheshayo phakathi kontanga, ngisho nezinhlelo zokwethembeka, konke ngaphakathi kwedivayisi eyodwa.
Ngama-wallet edijithali, akudingeki silinde isikhathi eside ukuze inkokhelo yamukelwe noma yenqatshwe, futhi asibophekile ukubamba ngekhanda izinombolo ze-akhawunti ezinde kakhulu ezingadideka kalula. Konke kuxazululwa ngokusebenzisa... ukuthokheni kwekhadi kanye nokudluliswa okuphephile kolwazi lokukhokha ngemizuzwana embalwa.
Uma kukho konke lokhu sifaka izinzuzo ze-Smartphones, njengokuphepha ngokusebenzisa ukuqashelwa kweminwe noma ubusoNjengoba sibheka ukuphatheka kalula, ukuxhumana okuqhubekayo, kanye nekhono lokuba nama-wallet amaningi edijithali axhumene kudivayisi eyodwa, siyaqaphela ukuthi ukufaka lezi zindlela zokukhokha esitolo sethu esiku-inthanethi kuyinto elula. kubalulekile ekukhuleni nasekuthuthukisweni kwethu.
Ukuhlanganisa izinkokhelo nge-smartphone: ngale kwesikhwama sedijithali
Ukukhokha nge-smartphone akusagcini nje ngokuphatha amakhadi edijithali kuhlelo lokusebenza. Namuhla, ifoni ephathekayo iba yi- isikhungo sokusebenza kokukhokha nokuqoqa kokubili kubathengi namabhizinisi. Ngokombono womsebenzisi, ivumela ukukhokha ngekhadi, isikhwama semali sedijithali, i-Bizum, noma ezinye izindlela ngesenzo esisodwa; ohlangothini lwebhizinisi, ifoni ngokwayo ingasebenza njengesikhungo sokukhokha. isikhungo sokuthengisa sendawo yokuthengisaukuqeda isidingo sehadiwe eyengeziwe.
Lolu shintsho luncike kubuchwepheshe obufana I-NFC (Ukuxhumana Kwamasimu Eseduze) ngezinkokhelo zokusondelana, ukwenziwa kwamathokheni ukuvikela idatha yekhadi, ukudluliselwa kwe-akhawunti kuya ku-akhawunti (A2A), noma amamodeli okukhokha ahlehlisiwe njenge Thenga Manje Khokha Kamuva (BNPL)Ngokuhlanganisa uhlelo lokusebenza olulodwa noma uhlelo lwezinhlelo zokusebenza ezixhunyiwe, zonke lezi zixazululo zakha i- Ukwanda komnotho wezinkokhelo.
Isibonelo esicacile salokhu kuthuthuka yizixazululo ezaziwa ngokuthi Thepha ku-Ifoni, Thepha ukuze Ushayele noma Thepha ukuze Ukhokheokuguqula noma iyiphi i-smartphone esebenzisa i-NFC ibe yi-terminal yokukhokha engenakuthinta. Ngokombono wekhasimende, isipiliyoni sifana nokukhokha ngesifundi sekhadi sendabuko; noma kunjalo, emabhizinisini, simelela intuthuko enkulu eqhubekayo. ukuguquguquka, ukusebenza kahle kwezindleko, kanye nobulula bokusebenza.
Umphumela oqondile walokhu kuhlanganiswa ukuthi umsebenzisi ayihlukanisi phakathi kokukhokha esitolo esingokoqobo, ku- imakethe eku-inthanethiKungakhathaliseki ukuthi ungumuntu osebenza ngokulethwa kwezimpahla noma uchwepheshe ozimele, konke kuphathwa kusuka kufoni efanayo, nge-interface ejwayelekile kanye nezindlela zokuqinisekisa ezifanayo.
Indlela izinkokhelo zeselula kanye nezixazululo ze-Tap on Phone ezisebenza ngayo
Emkhakheni wokuthengisa ngokudayisa izinto ezincane, izinkokhelo zeselula zihlukaniswe kakhulu zibe izinkokhelo eziseduze kanye nezinkokhelo ezikudeWomabili amamodeli aya ngokuya ehlanganiswa kuma-smartphones ekhasimende kanye nomthengisi:
- Izinkokhelo ezingenakuthintaZisekelwe kubuchwepheshe be-NFC, obuvumela ukuxhumana okungenantambo okufushane phakathi kwedivayisi yekhasimende (iselula, ikhadi, noma okugqokwayo) kanye netheminali yomthengisi. Idatha yekhadi igcinwa ku- isikhwama sedijithali (i-Google Pay, i-Apple Pay, i-Samsung Pay, phakathi kwabanye), umsebenzisi ukhetha indlela yokukhokha bese esondeza idivayisi eduze kwetheminali ukuze aqedele ukuthengiselana.
- Izinkokhelo ezikudeLokhu kuthengiselana kwenziwa ku-inthanethi noma ngohlelo lokusebenza lweselula, ngesango lokukhokha lapho umsebenzisi efaka khona imininingwane yekhadi lakhe, esebenzisa isikhwama semali esifana ne-PayPal, noma edlulisela ngqo kusuka kuhlelo lokusebenza lwakhe lwasebhange. Kuvamile ku ukuhweba nge-inthanethi, izinhlelo zokusebenza zesevisi, okubhaliselwe kanye nokudluliselwa phakathi kwabantu ngabanye.
I-Tap on Phone isekelwe kulezi zimiso ezifanayo, kodwa ishintsha indima yesifundi sekhadi iye ku- inombolo yocingo yomthengisiInqubo evamile ivame ukuba lula kakhulu:
- Ukuhweba kulanda i- isicelo esiqinisekisiwe esekela i-Tap on Phone.
- Lungiselela eyakho i-akhawunti yokuhweba futhi wenze inkokhelo yokuhlola.
- Ngesikhathi sokuthengisa, vula uhlelo lokusebenza, faka ubani bese ulinda ikhasimende ukuthi lilethe ikhadi lalo, ifoni ephathekayo noma idivayisi egqokwayo eduze kwe-smartphone.
- Ngemizuzwana embalwa, ukuthengiselana kuyacutshungulwa futhi umthengisi angathumela irisidi yedijithali nge-SMS, i-imeyili noma ikhodi ye-QR.
Ngokombono womsebenzisi, ulwazi lufana nokukhokha ngekhadi lendabuko elingenakho ukuthinta: khetha indlela yakho yokukhokha, vala idivayisi, bese uqinisekisa ukuthengiselana uma kudingeka. Umehluko uwukuthi konke kuphathwa kusukela kutheminali. ukuhweba ngeselulangaphandle kokudinga i-terminal ye-POS eyengeziwe ebonakalayo.
Izinzuzo zokuguqula ifoni yakho ephathekayo ibe yisikhungo sokukhokha
Ukukhokha okuhlanganisiwe ngama-smartphone inikeza izinzuzo ezibalulekile kokubili amabhizinisi kanye nabathengi. Kumabhizinisi, ukusebenzisa izixazululo ezifana ne-Tap on Phone noma ama-wallet edijithali kusho:
- Ukwehliswa kwezindleko ezizinzileUcingo oluphathwayo luba yisikhungo sokukhokha, lugwema ukuqasha noma ukuthenga izifundi zamakhadi zendabuko, izintambo kanye namanye amadivayisi aphathekayo.
- Ukuhamba okwandisiweIkuvumela ukuthi uqoqe izinkokhelo noma kuphi lapho kunokuxhumeka kwe-inthanethi, okuyinto ebalulekile kubashayeli bokulethwa kwezimpahla. abantu abazisebenzayo abasebenza ekhayaamaloli okudla, izindawo zokudayisa zesikhashana noma imibukiso.
- Ukusebenza okuhlangeneIzinhlelo zokusebenza eziningi zikuvumela ukuthi uphathe izinkokhelo, ukubuyiselwa kwemali, amathikithi edijithali, ukwenziwa kwezimpawu zamakhadi, kanye nokuhlaziywa kokuthengisa kusuka kudeshibhodi eyodwa.
- I-scalability esheshayo: Ngezikhathi zethrafikhi ephezulu, njengezikhathi zokuthengisa noma amahora aphezulu, kungenzeka ukuvula ngokushesha amaphuzu okukhokha engeziwe ngamaselula engeziwe avela eqenjini uqobo.
Ngokombono wekhasimende, izinkokhelo zeselula ezihlanganisiwe zibhekwa njenge- isipiliyoni:
- Ngokushesha futhi kululaMane nje ulethe ifoni yakho ephathekayo noma iwashi eduze kwedivayisi yesitolo noma uskene ikhodi ye-QR, ngaphandle kokudinga imali noma ikhadi eliphathekayo.
- Izindlela zokukhokha eziguquguqukayoUmsebenzisi angakhetha phakathi kwamakhadi angenakho ukuthinta, ama-wallet afana ne-Apple Pay noma i-Google Pay, izixazululo zokukhokha ezisheshayo phakathi kontanga, noma ngisho ne-BNPL, kuye ngokuthi umthengisi unikeza ini.
- Idatha ivikelekile: izinhlelo ezithuthukisiwe ze ukubethela kanye namathokheni Zivimbela ikhadi langempela ukuthi lihambe ngenethiwekhi noma ligcinwe kudivayisi yomthengisi.
- Kugxilwe ekulawuleni ezezimaliAmarisidi edijithali, umlando wokuthengiselana, kanye namadeshibhodi okusebenzisa imali kuzinhlelo zokusebenza kukusiza ukuthi uphathe kangcono izimali zakho zomuntu siqu.
Lolu hlelo lokusebenza, oluhambisana nokwanda kwezinhlelo zokwethembeka ezihlanganisiwe kanye nalokho okubizwa ngokuthi super zokusebenza zezimaliLokhu kubangela abasebenzisi abaningi ngokwengeziwe ukuthi bajwayele ukuhlanganisa izinkokhelo zabo, izinsizakalo zezimali, kanye nemivuzo kuma-smartphone abo.
Ukuthuthuka kokukhula komnotho kanye nokuhlanganiswa kwezinkokhelo ngama-smartphone kukhomba esimweni lapho iselula izoba yisizinda esiphelele sokuqoqwa kwemali, izinkokhelo kanye nokuphathwa kwezezimali, ngakho ukuzivumelanisa nalezi zindlela namuhla kusho ukuthi qinisekisa ukufaneleka kanye nokuncintisana ekuhwebeni kwakusasa.
