amakhadi zeplastiki aye yinxalenye yobomi bethu elide. isixhobo Small, lula intlawulo, apho thabatha phantse naphi na ehlabathini. Lukwakhuselekile. Simele sikhumbule ikhowudi pin nokuqinisekisa ukuba ikhadi khange ilahlekile, okanye ibiwe CVV kunye, umzekelo, ukuhlawula izinto ezithengwa kuloo kwivenkile online. Kodwa ke kukho enye into isisombululo - PayPass. Yintoni na nendlela yokusebenzisa esi sixhobo, uya kufunda kweli nqaku.

definition

PayPass - obu bugcisa intlawulo licwecwe ngokusebenzisa amakhadi ebhanki MasterCard. Ukuze ahlawule ngokwaneleyo ukwenza ikhadi kunye isilawuli kwi-terminal. Le ubugcisa PayPass. Enyanisweni, ikhadi le chip ne-eriyali. E Taiwan, i-USA, Spain ne Turkey MasterCard PayPass isilawuli okulungiswe iiwotshi, Funny kunye nezinye izinto ukuba umntu uhamba naye yonke imihla.

Le nkqubo yentlawulo ekhuselekileyo yenza olulula, olukhawulezayo ekhuselekileyo ukwenza ukuthenga ezincinane. Ngoku, ngexesha intlawulo akukho mfuneko yokuba ubunzima ezicentile, bachitha ikhadi ngokusebenzisa terminal, ngena itshekhi. Umsebenzisi bachukumise nje terminal ekhethekileyo. technology PayPass uluncedo kakhulu kwinkalo zirhwebelane ngempahla kunye nexabiso eliphantsi kunye nezinga intengiselwano eliphezulu. Kodwa kuphuhliso yayo ebanzi kwixesha elizayo kuyimfuneko ukomeleza ukhuseleko imisebenzi.

History of uphuhliso

Ngowe-2003, iinyanga MasterCard 9 kokuvavanywa ukusetyenziswa kobugcisa licwecwe e Orlando, Florida. Kwindawo ezahlukeneyo 60 abasebenzisi ezihlawulwa 16 amawaka iimaphu. Ngokunxuseneyo inkampani esebenza ngayo ukuhambelana yalo Nokia, JPMorgan, AT & T ukulungiselela ukuqaliswa kwe PayPass zibe mobile phones. 50 ezizigidi unit yaveliswa ngowe-2008. Kweli nqanaba, 77% abasebenzisi kusetyenziswa ubuchwepheshe licwecwe njengendlela yokuqala intlawulo. Ngo-2010, PayPass yaphehlelelwa eBulgaria kunye Slovakia, ezandleni abasebenzisi yaba million 75 amakhadi, owazeka 230 amawaka ezinjengeetheminali. Ngokwe ngxelo zezimali zenkampani kunyaka-2012, umthamo imveliso landa nge-50% ngenxa yokukhula kwenani abasebenzisi kulo lonke elaseYurophu. amakhadi PayPass imiba namhlanje Russian Savings Bank kunye yabucala e Ukraine.

na undityhilele namandla PayPass

Kuthetha ukuthini? iintengiselwano licwecwe eziyingenelo bonke abathathi-nxaxheba kurhwebo: abathengi, amashishini zorhwebo kunye neebhanki. Amaziko Financial ukunika abathengi kunye nenani elikhulu iindlela yentlawulo, benkampani - ukwanda iinkqubo card abanini-akhawunti ukunyaniseka. Le iteknoloji angaba naliphi na ityala, debit, intsebenziswano ukubalula kunye nezinye iinkqubo.

imibutho yabasebenzi, leyo efakiweyo PayPass terminal inkonzo kubathengi bayo kwinqanaba eliphezulu. Ukunciphisa inani imisebenzi kunye neenkonzo nemali ibalekisa inkqubo nokuqinisekisa ukusebenza enkulu. Le nkampani enkulu yokuqala owaqala ukusebenzisa MasterCard PayPass, - i McDonald kaThixo. Kungekudala, umdla ubuchwepheshe obutsha bafika abadlali Galufa. Inkqubo licwecwe ngoku kusetyenziswa turnstiles, koomatshini, njl

PayPass: apho ithathwe kwaye yakhululwa eRashiya

Intlawulo yokuqala licwecwe kwi Russian Federation yabanjwa 09.09.08 le venkile eMoscow "Five Star". Ikhadi yokuqala wakhutshwa PayPass Industrial Bank ngo-2010. Imiselwe ukuba ndinikhululele inkupho ikhadi eyahlukileyo kubafundi nootitshala. Bangakwazi kusetyenziselwa kuphela injongo eyenzelwe yona, kodwa njengoko incwadi irekhodi kwaye studbilet.

Ukususela ngo-2011, ikhadi kunye umvumbo Imagnethi yomhlaba kunye chip iveza "Raiffeisenbank". free Its ukunika abathengi phantsi "iPremiyamu" iphakheji. Kodwa kufuneka ube ukulingana ubuncinane engange zigidi ezi-2. okanye 1 million, xa inyanga iya kuchitha ngaphezulu kwe-25 amawaka. bagcobe. Ngabathengi musa ukuthobela le miqathango iya kuba imali 3000 engange.

Analogue emhlabeni

ubugcisa licwecwe khona kwinkqubo Visa. PayWare - analogu PayPass. Kuthetha ukuthini? Visa and JCB Co. Ltd. asayina isivumelwano kuphuhliso MasterCard yokwamkela imithetho omnye, okt onke iteknoloji licwecwe ziya kuvavanywa yi-mali efanayo, ukuqinisekisa ukuhambisana zonke iintlobo.

Eyona engundoqo eziluncedo lwentlawulo licwecwe:

• iindlela zale mihla yokubala;
• ndlela lwentlawulo - ikhadi lebhanki zingasetyenziswa kuphela kwizixhobo ezitsha, kodwa-ATM eliqela ezinjengeetheminali POS;
• ubomi inkonzo ende;
• intlawulo speed eliphezulu;
• zokuzikhusela ubuqhophololo.

Kodwa ke kukho enye ethile enkulu - yokunqongophala kwezibonelelo, ixabiso apho mkhulu kangangokuba azazi iibhanki okanye bakwaKanan Musa ukungxama ukutyala kulo. Kule UK iminyaka emi-3 thina abafake iitheminali kwi% 10 kuphela koovimba.

PayPass: ukusebenzisa indlela

Ngenxa chip nezizodwa Iintlawulo ikhadi licwecwe zingenziwa ezincinane ngaphandle ungqinisiso holder. imisebenzi enjalo kufunwa eerandi-15 eUnited States, 50 PLN Poland, iikhilogram-10 kwi-UK ngo-1000 engange - Rosiii. Imisebenzi izixa ezikhulu kuya kufuneka ukuba aqinisekise utyikityo wokufumana, okanye ngokungenisa iPIN-khowudi. Kodwa asingabo bonke iibhanki uvumelekile. Umzekelo, eJamani, Austria kwimeko yokudlula kugcwala intlawulo kuya kufuneka ukuba enze indlela contact oluqhelekileyo.

MasterCard uqala debit kunye credit PayPass. Indlela yokusebenzisa i chip licwecwe?

Emva imali ukuthenga nganye ithathwa kwibhanki yakho okanye akhawunti. Ekubeni uxhulumaniso non-contact, endaweni khadi ingasetyenziswa uleyibhelishe fob RFID ezingundoqo, efowuni kunye NFC, njalo njalo. D. Iimpahla unako ukuhlawula kuphela amanqaku urhwebo logo PayWave Visa, PayPass. I-terminal iqinisekisa inkqubo ufunda umqondiso ephilileyo. Lo msebenzisi akanayo Kwathi ikhadi ezandleni ephosakeleyo, faka iPIN-khowudi, basayine itshekhi. Yanele ukuba kuziswe Isipaji yesiphelo ikhadi. Ngaphakathi, kufuneka kungabikho nezinye izinto ezithwala yeplastiki chip. E Germany ukuba zifakwa kunye namakhadi nesazisi.

ukuphepha

transaction licwecwe kakhulu ukunciphisa ixesha. Kodwa imiqathango yezokhuseleko unika abasebenzisi imibuzo emininzi. Nj RFID kunokuba inxalenye kude ekwenzeni ikhadi kumgama-2 cm. Oku kushukumisa umbuzo ukusetyenziswa non-contact ngokupheleleyo.

PayPass kuthintela ukufunda ngqo kunye RFID. Nj iqulethe inkcazelo malunga nenani kunye nexesha lwekhadi wihi, yaye oko akwanelanga ukuqhuba imicimbi online. Kuba transaction nganye eyenziwe ngexesha elinye-khowudi. Ukuba le wotshi kude ukusetyenziswa kwekhadi, ungenza clone yayo. Isicelo yokuqala ikhowudi nempinda ivunyiwe, ize iphindwe isiphumo original ukumiswa omabini abathwali. Ngenxa imida izivumelwano ephantsi, ikhadi yitherapeutic lutho.

Yenza elininzi ukusebenza ukuphela mobile ngeke isebenze. Kwiindawo esihlala data kwimisebenzi efana nifikelele iziko eligunyazisiweyo ukuba bangaphandle bengenako ukusebenzisa ikhadi ngaphandle kwesigunyaziso. Iinkqubo ezinjalo ukuhlaziya ikhowudi nganye esabangela uze ulivavanye ukuba nesinye. Kuba olupheleleyo ukhuseleko ulwazi umfanekiso imaphu, umzekelo, azisongele oko alumuniyam eliqinileyo.

ukusebenzisa Apho ubugcisa MasterCard Mobile PayPass

E Moscow, eSt Petersburg kunye nezinye izixeko Russian ezinkulu "licwecwe" iingongoma ezininzi njengoko iivenkile, cafes, iindawo zokutyela, kwiikhemesti, izitishi igesi, zokuzilungisa kunye nokumiswa efanayo. Ukongeza, eminye imibutho nezabelo kubasebenzisi technology PayPass. Umzekelo, kwikomkhulu kumantla de ekupheleni kukaFebruwari, ebhatala i-odolo at coffee lakho ivenkile usithandayo efowuni, unako ukuba ungafumana ikofu njengesipho.

iindaba zakutshanje

Petersburg Metro ukususela ngoJanuwari 2015 waqalisa ukuba bayazamkela iintlawulo licwecwe kuzo zonke turnstiles. Nekhadi yentlawulo a ithathwa isixa esilingana kumrhumo imali yokukhwela. Ukuqhuba intengiselwano nga iitafile kuphela washiya impahla Isango. Ukuze ahlawule ngokwaneleyo ukuzisa ikhadi ukuya isangqa etyheli. Kwakugqitywa kokusebenzisana Isango Ijika luhlaza.

Iindlela yokuhlawula nazo ukwenza iiwotshi Watch2Pay - imveliso ngaseludinini "Ak neeBhari". Kuphela e Kazan inani pre-odolo baba ngaphezu kwewaka. lentengo ye mveliso - 3000 engange. Russian Federation. clock ezitywiniweyo kwiinguqulelo ezininzi (white, black, obomvu, oluhlaza) kufuneka ubukhulu obukhulu. Ngaphandle clockwork Seiko Epson kubo kukho slot ukuba SIM-khadi. Ibandakanya Classic ikhadi licwecwe. Ukuze isebenze i iwotshi, kufuneka uthumele enye iSMS kunye nenombolo ikhadi.

Ngexesha lasehlotyeni ngo-2014, ungasebenzisa efowuni ne NFC, ukuhlawulela izithuthi zikawonke. Ukuze benze oku, iBhodi kufuneka ukuba ufumane i SIM khadi ezizodwa izicelo pre-ezothutho. Kuba intlawulo kufuneka ukuba ifowuni yakho ukuba semthethweni, nto leyo umqhubi. Xa metro ukuba sifakwe turnstiles. Ungasebenzisa le iwotshi e Kazan njenge yokupasa kwi-IT-ipaka. Ukuze wenze oku, ekungeneleleni kumaziko ezemidlalo aye imvelaphi inyuselwa Control Terminals - infomats. Tatarstan iiyunithi ezingaphezulu kwama-150.

isishwankathelo

Xa amakhadi zeplastiki wabonakala replacement ufanelwe - PayPass. Yintoni na? technology licwecwe, esebenzisa ifowuni xa kusenziwa iintlawulo kunye chip kunye eriyali. Ukuze uqinisekise ukuba intlawulo akuyomfuneko ukuba ufake iPIN okanye asayine itshekhi. bachukumise nje nekhadi terminal okhethekileyo. Liqingqiweyo imisebenzi anqongophele ngenxa yibhanki ekukhutshweni, kodwa hayi ngaphezulu kwe 1000 engange eRashiya. Sebenzisa ubugcisa akakwazi kuphela ikhadi. Hayi kudala kwabonakala Watch2Pay clock kunye chip efanayo 3000 engange. Ukongeza, phones smart kunye NFC, unako ukuhlawula yokuhamba kwizithuthi zikawonke. Kodwa ke kuya kufuneka ukuba uthenge ikhadi leSIM kunye nesicelo ekhethekileyo pre-olufakwe. Uphuhliso epheleleyo iteknoloji kuthityazwa yokunqongophala kwezibonelelo kwiidolophu ezincinane.