Sekuyisikhathi eside amakhadi Plastic kwaba bayingxenye yezimpilo zethu. Small, elula ithuluzi lokukhokha, okuyinto thatha cishe nomaphi emhlabeni. Futhi ephephile kakhulu. Kumelwe ngaso sonke isikhathi khumbula ikhodi pin futhi uqinisekise ukuthi ikhadi lulahlekile cha, noma intshontshiwe CVV futhi, isibonelo, ukhokhele ukuthengwa esitolo online. Kodwa kukhona esinye isixazululo - PayPass. Kuyini futhi kanjani ukusebenzisa leli thuluzi, izofunda lesi sihloko.

definition

PayPass - lokhu yokuxhumana yokukhokha ubuchwepheshe esebenzisa amakhadi asebhange MasterCard. Ukuze akhokhele ngokwanele ukuba wenze ikhadi microprocessor kule esigungwini. Lona ubuchwepheshe PayPass. Eqinisweni, ikhadi chip ne-antenna. ETaiwan, USA, eSpain Turkey MasterCard PayPass sekhompiyutha linamathele amawashi, omakhalekhukhwini kanye nezinye izinto umuntu oqhubeka naye nsuku zonke.

Lokhu ephephile lokukhokha uhlelo kwenza elula, esheshayo futhi ephephile ukuze afeze ukuthenga encane. Manje, ngesikhathi lokukhokha asikho isidingo ahlupheke kanye ukusikeka, ukuchitha ikhadi ngokusebenzisa ukugcina, ngena ngemvume amasheke. Umsebenzisi umane zithinta ukuphela ekhethekile. PayPass ubuchwepheshe iyasiza emkhakheni ahwebe ngezimpahla nge eziphansi kanye okusezingeni eliphezulu kuthengiselana izinga. Kodwa ukuthuthukiswa elikhulu esikhathini esizayo kubalulekile ukuqinisa ukuphepha nokusebenza.

Umlando yentuthuko

Ngo-2003, i-MasterCard 9 izinyanga ukuhlola ukusetshenziswa yokuxhumana ngobuchwepheshe e Orlando, Florida. Ngezinye amaphuzu ezahlukene 60 abasebenzisi ikhokhwe ayizinkulungwane 16 amabalazwe. Ngo okufanayo inkampani ezahamba ngayo kwedivayisi yayo Nokia, JPMorgan, AT & T ukwethulwa PayPass ku omakhalekhukhwini. 50 sesigidi iyunithi yadalwa 2008. Kuleli qophelo, 77% wabasebenzisi esetshenziswa yokuxhumana ngobuchwepheshe njengendlela eyinhloko yokukhokha. Ngu 2010, PayPass wethulwa Bulgaria neSlovakia, ezandleni abasebenzisi kwaba amakhadi eyizigidi ezingu-75, futhi lokho kwathatha ayizinkulungwane 230 ezikhumulweni. Ngokwalo mbiko zezimali wenkampani ngoba ngonyaka 2012, umthamo production kunyuke ngo-50% ngenxa Ukwanda kwenani abasebenzisi kulo lonke elaseYurophu. PayPass amakhadi nezindaba namuhla Russian Savings Bank kanye Privat e-Ukraine.

It akakasitsheli bezikhali PayPass

Kusho ukuthini? ukuthengiselana yokuxhumana okunenzuzo ukuba bonke abahlanganyeli emakethe: abathengi, ukulibona kwezentengiselwano namabhange. Izikhungo zemali ukunikeza amakhasimende abo ngenombolo enkulu izindlela zokukhokha, issuers - ukwanda izinhlelo ikhadi be-akhawunti ukwethembeka. Lokhu ubuchwepheshe kungaba umphelelisi noma iyiphi ikhredithi, debit, co-yokubeka uphawu nezinye izinhlelo.

izinhlangano Trade, okuyinto efakwe PayPass ukuphela ukwenza isevisi amakhasimende ayo ezingeni eliphezulu. Ukunciphisa inani imisebenzi kanye nezinsizakalo imali esheshisa inqubo kanye kuqinisekisa ngekhono elingcono. Inkampane yokuqala ezinkulu ukuqalisa usebenzisa MasterCard PayPass, - kuyinto McDonald. Ngokushesha, isithakazelo ubuchwepheshe obusha safika abadlali kanye abadlali. Uhlelo yokuxhumana manje elisetshenziswa turnstiles, emishinini yokuthenga, njll

PayPass: lapho kuthathwe futhi zakhululwa Russia

I yokuxhumana yokukhokha kuqala WaseRussia owawuse 09.09.08 e yokudlela eMoscow "Star Five". Ikhadi lokuqala wakhishwa PayPass Industrial Bank ngo-2010. It is ihlelelwe ukuba adedele edition ahlukene ikhadi abafundi nothisha. Zingasetshenziswa hhayi kuphela inhloso yazo, kodwa futhi njengoba incwadi irekhodi futhi studbilet.

Kusukela 2011, akushiwo nje umugqa magnetic kanye chip silwenza "Raiffeisenbank". Its khulula ukunikeza amakhasimende ngaphansi "Premium 'iphakethe. Kodwa kumelwe ube nebhalansi ubuncane ruble 2 million. noma 1 million, uma inyanga ukuba ngeke imali engaphezu kuka-25 eziyinkulungwane. deda. Amakhasimende musa ukuhambisana nalo mbandela kuyoba indlela yokukhokha nyangazonke 3000 ruble.

Analogue emhlabeni

ubuchwepheshe yokuxhumana futhi khona ohlelweni Visa. PayWare - Analogue PayPass. Kusho ukuthini? Visa kanye Jcb Co. Ltd. yasayina isivumelwano on ukuthuthukisa MasterCard ukwamukelwa njengoba olandelwayo olulodwa, okungukuthi bonke ubuchwepheshe yokuxhumana ziyovivinywa ngu isikimu efanayo, ukuqinisekisa ukuhambisana bonke brand.

Izinzuzo main yokukhokha yokuxhumana:

• yezindlela zesimanje ukubala;
• izindlela jikelele yokukhokha - ikhadi ebhange ingasetshenziswa hhayi kuphela kumadivayisi ezintsha, kodwa futhi ATM eziningi futhi POS ezikhumulweni;
• ukuphila isikhathi eside;
• inkokhelo high speed;
• Ukuvikelwa ebugebengwini.

Kodwa kukhona omunye ethile enkulu - ukuntuleka lengqalasizinda, izindleko zemali zazo mkhulu kangangokuba akekho amabhange noma abadayisi ekujaheni ukuba izimali zakhe kuko. E-UK iminyaka engu-3 thina efakwe terminals% 10 kuphela izitolo.

PayPass: indlela yokusebenzisa

Ngenxa a izinkokhelo chip ekhethekile yokuxhumana ikhadi zingenziwa ezincane ngaphandle ukuqinisekiswa umnikazi. imisebenzi enjalo anqunyelwe amadola 15 e-United States, 50 PLN Poland, 10 amakhilogremu e-UK e ruble 1000 - Rosiii. Operations ku esiningi kuyodingeka aqinisekise isiginesha irisidi, noma ufaka iPIN-ikhodi. Kodwa akubona bonke amabhange uvunyelwe. Ngokwesibonelo, eJalimane nase-Austria esimweni yokudlula umkhawulo yenkokhelo kuyodingeka lokufeza contact indlela ezivamile.

MasterCard oluqalisa debit nama-credit PayPass. Indlela yokusebenzisa i-chip yokuxhumana?

Ngemva okwenziwayo ngamunye Isamba ezidonswe ku yasebhange noma i-akhawunti yakho. Kusukela uxhumano non-contact, esikhundleni ikhadi ingasetshenziswa ilebuli RFID Fob ukhiye, smartphone ne-NFC, nokunye. D. Izimpahla ungakwazi kuphela ukukhokha ukuhweba amaphuzu nge logo PayWave Visa, PayPass. The ukuphela kuqinisekisa inqubo kokufunda isignali umsindo. Umsebenzisi akanayo kudlule ikhadi ezandleni ezingafanele, faka i-PIN-ikhodi, asayine isheke. Enough ukuletha Wallet esibulalayo ngekhadi. Ngaphakathi, kungabikho nezinye izinto ezithwala plastic nge chip. EJalimane efakiwe nomazisi.

ukuphepha

kuthengiselana yokuxhumana kakhulu ukunciphisa isikhathi. Kodwa mayelana nokuphepha Inikeza abasebenzisi eziningi imibuzo. Chip RFID kungaba ingxenye ukude clone ikhadi at ibanga 2 cm. Lokhu kusi- ku umbuzo ngokugcwele ukusetshenziswa non-contact.

PayPass kuvimbela Ukufundwa ngqo RFID. Chip liqukethe ulwazi mayelana inombolo kanye nesikhathi sokusebenza card, akwanele ukuba ukuqhuba nakuyi-Internet. Ukuze okwenziwayo ngamunye elakhiwe ikhodi yesikhathi esisodwa. Uma sicabanga ke kuze Ukusetshenziswa kwekhadi, ungakha Clone yayo. Isicelo wokuqala ikhodi impinda sivunyiwe, futhi ngokuphindaphindiwe umphumela yasekuqaleni ekumisweni kwe kokubili zenethiwekhi. Banikezwe ongaphakeme kuthengiselana imikhawulo, cloning ikhadi ezingenanzuzo.

Yenza okuningi imisebenzi ukugcina mobile ngeke zisebenze. Ezindaweni inabantu abaningi idatha ku imisebenzi enjalo kumelwe zifinyelele isikhungo ogunyaziwe bangaphandle abakwazi ukusebenzisa ikhadi ngaphandle kokugunyazwa. izinhlelo ezinjalo ahlaziye ngamunye ikhodi futhi usihlole ngoba sifana nesinye. Ukuze ephelele ukuvikelwa ulwazi screen ibalazwe, isibonelo, bopha in ucwecwe.

Lapho ukusebenzisa ubuchwepheshe MasterCard Ucingo PayPass

Ngo eMoscow, eSt Petersburg nakwamanye amadolobha Russian ezinkulu "imininingwane yokuxhumana" amaphuzu amaningi njengoba nezitolo ezinkulu, amathilomu, izindawo zokudla, Pharmacy, amagalaji, ubuhle nokucwala izikhungo efanayo. Ngaphezu kwalokho, ezinye izinhlangano ubambe ukwabelana kubasebenzisi PayPass ubuchwepheshe. Ngokwesibonelo, e-dolobha enyakatho kuze kube sekupheleni kuka-February, ukukhokhela oda intandokazi ikhofi shop yakho ku-smartphone, ungathola ikhofi njengesipho.

izindaba kwakamuva

Petersburg Metro kusukela ngoJanuwari 2015 waqala ukwamukela izinkokhelo yokuxhumana ngaso sonke turnstiles. Ngekhadi inkokhelo adonswe inani elilingana tariff yokugibela. Ukuze aqhube kuthengiselana kungaba amatafula kuphela kwesokunxele umthwalo Isango. Ukuze akhokhele alwanele ukuletha ikhadi kulo mbuthano ophuzi. On sokusongwa ngesikhathi Isango uphendulela blue.

Yokukhokha futhi ingenza amawashi Watch2Pay - umkhiqizo ibhange "Ak Libhala". Kuphela Kazan inani pre-oda babe ezingaphezu kwenkulungwane. intengo komkhiqizo - ruble 3000. Russian Federation. iwashi Plastic ezinguqulweni eziningana (abamhlophe, abansundu, obomvu, oluhlaza okwesibhakabhaka) abe ukushuba eside. Ngaphandle clockwork Seiko Epson kuzo kukhona slot for le-SIM. Kufaka zakudala yokuxhumana ikhadi. Ukucupha iwashi, udinga ukubathumela SMS inombolo yekhadi.

Ehlobo lika-2014, ungasebenzisa smartphone nge-NFC, ukukhokhela ezokuthutha zomphakathi. Ukuze wenze lokhu, opharetha kuzomele uthole ekhethekile le-SIM nge zokusebenza pre-ezokuthutha. Ukuze inkokhelo okudingayo ifoni yakho lokuqinisekisa, okuyinto umqhubi. Ezitimeleni efakiwe kule turnstiles. Ungasebenzisa sewashi Kazan njengoba kudlula ku IT-epaki. Ukuze wenze lokhu, ekungeneleleni zemidlalo abangu ukukhwezwa Control Terminals - infomats. Tatarstan amayunithi ezingaphezu kuka-150.

isifinyezo

Ngo amakhadi epulasitiki uvele uyakufanelekela esikhundleni - PayPass. Kuyini lokhu? Imininingwane yokuxhumana ngobuchwepheshe, esebenzisa kudivayisi uma ekwenzeni izinkokhelo nge chip kanye-antenna. Ukuqinisekisa inkokhelo ayidingi ukuba ufake i-PIN noma ngena amasheke. Ngithinte ikhadi esigungwini ekhethekile. Umkhawulo imisebenzi kukhawulwe yi nebhange elikhiphe, kodwa ruble akukho engaphezu kuka-1000 eRussia. Ukusebenzisa ubuchwepheshe bengayi kuphela ngokusebenzisa ikhadi. Akunjalo kudala lalibukeka Watch2Pay iwashi nge chip okufanayo ruble 3000. Ngaphezu kwalokho, amafoni smart nge-NFC, ungakwazi ukukhokhela travel on izithuthi zomphakathi. Kodwa-ke kuzodingeka ukuthenga ikhadi le-SIM nge isicelo esikhethekile zangaphambi olufakiwe. Ukuthuthukiswa egcwele ubuchwepheshe oyophazanyiswa yokuntuleka kwengqalasizinda abasemadolobheni amancane.