Ukuthola ama-terminals: uxhumano, ukuphathwa. Ukukhokha okukhokhelwayo

Ukuthuthukiswa kobudlelwane bezimali kuye kwaba yinto ebalulekile yokuvela kwamakhadi ebhange. Babehloselwe ukwenza lula inqubo yokwenza izimali. Ngokuthuthukiswa kwentuthuko yezobuchwepheshe, ukutholakala sekuvele. Le nkonzo yasebhange iphendule imephu ibe yithuluzi lokusetshenziswa kwansuku zonke.

Umbhalo wokuqala

"Ukuthola" (ekuhunyushweni okuvela kwisiNgisi "ukuthengwa") kuyisistimu yokwamukela amakhadi okukhokha izinsizakalo. Ukubaluleka kwalo kungafaniswa nokubukeka kwamafoni. Okokuqala, ukuzuza kwakunokuqala. Abadayisi basebenzise i- "imprinter", lapho ikhadi lifakwe "isikhunta" ngemininingwane. Le divayisi ayizange ikhulume nebhange, futhi i-cashier kwadingeka ibize isikhungo sezimali ukuze kuqinisekiswe ukutholakala kwezimali kwi-akhawunti yekhasimende. I-electronic terminal yamanje yavela kamuva kakhulu.

The Essence

Ukuze usebenzise ngokunenzuzo zonke izinzuzo zesevisi, udinga ukuphetha isivumelwano nebhange elitholayo bese uxhuma esibulalayo ekuphumeni. Ibhange lokuthola imali liyisikhungo sesikweletu esenza izindawo zokuhlala nezinkampani ezisebenzelana ngekhadi kanye / noma izinkinga zezinkinga kubanikazi bamakhadi abangesibo ebhange. Ngesikhathi esifanayo, inhlangano ingakwazi ukukhipha amakhadi ngesikhathi esisodwa, ikhiqize ukuthola ama-terminals.

Izinhlobo zokuthola:

1. Ukuhweba - okumelelwe ezitolo zokudlela, ezitolo, amahhotela, njll.
2. I-Intanethi - ukuthenga izimpahla kwiWebhu Yonke Yezwe.
3. Ama-ATM angama-terminals nama-ATM lapho ungakwazi ukuhoxisa imali kusuka ku-akhawunti yakho.

Isiphephelo sinikeza ukukhokhelwa kwe-akhawunti yebhizinisi nge-Inthanethi noma kumakhalekhukhwini. Awudingi ukuzithenga ngokwakho. Okokuqala, ibhange ngalinye linamabhange akhe, futhi okwesibili, akukho sikhungo sesikweletu esizokwenza ukuhlinzeka ngosizo lwezobuchwepheshe ngedivaysi "alien". Ukuze usebenze, akudingeki ukuthola kuphela izikhumbuzo kuphela, kodwa futhi nerejista yemali exhunywe ohlelweni lokukhokha.

Ukuhweba Ukuthola

Inqubo yokukhokha izimpahla ngamehlo omthengi ingachazwa kanje:

• Iklayenti idlulisela ipulasitiki ku-cashier;
• I-cashier iqhuba ukuthengiselana nge-terminal yokuthola ngokugunyazwa ngaphambilini futhi icela iklayenti ukungena iPIN;
• Ukuxhumeka kusungulwe, okungukuthi, imali edingekayo kusuka ku-akhawunti yomnikazi ibhalwe phansi ukuze ikhokhe isheke.

Kulesi simo, ibhizinisi elisebenzisa ukuphela kwenkokhelo kumele:

• Faka amadivaysi esakhiweni sendawo yawo;
• Yamukela amakhadi ukukhokha amasevisi;
• Khokha imali yokukhokha ebhange.

Ibhange, futhi, libophekile:

• Nikeza imishini;
• Qeqesha abasebenzi benkampani ukuthi basebenze nama-terminals;
• Hlola ibhalansi yezimali kwi-akhawunti ngesikhathi sokuthengiselana;
• Ukubuyisela inhlangano imali ekhokhwayo;
• Thumela amadokhumenti ezindleko;
• Ukunikeza ukusekelwa okugcwele kwezobuchwepheshe.

I-Intanethi Ithola

Lolu hlelo lufana nolunye odlule, kodwa akukho okuxhumana ngqo komdayisi nomthengi. Inqubo yonke yenziwa ngokusebenzisa web-interfaces. Ikhasimende likhetha umkhiqizo kwiwebhusayithi yomdayisi futhi ukuchofoza inkinobho ethi "Thenga". Okulandelayo, ifomu elikhethekile livuleka lapho udinga ukungena khona imininingwane yekhadi lokukhokha. Lona okuthiwa inkampani yokucubungula. Ukuze uqinisekise ukuthenga, amabhange amaningi acela amaphasiwedi owodwa afika ngesimo somlayezo we-SMS kumnikazi wekhadi. Ukuqinisekisa ukukhokha, iklayenti ithumela isicelo ebhange ukudlulisela inani elithile lemali ku-akhawunti yesitolo se-intanethi.

Ukuthola imfono

Akukatholakali kakhulu, ama-mPOS terminals avele emakethe, okutholakala kuyo ukutholakala kweselula. Bangumfundi wekhadi oxhunywe kwi-smartphone. Uhlelo lokusebenza lufakwe kudivayisi, ngosizo lwalokhu kuphethwe ukugcina ukugcina futhi izinhlelo zokukhokha ziyasebenza. Amadivayisi anjalo anenzuzo eziningana ngokuqhathaniswa namadivayisi wesintu:

• Ziselula;
• Hlanganisa ukufinyelela kwewashi ku-akhawunti;
• Imfono ukuthola ama-terminals ishibhile kunezindlela ezijwayelekile;
• Izindawo ezingekho emali ngezosizo zazo ziphephile, njll.

Ama-terminal terminals nawo avumelekile ngoba akuvumela ukuthi ukhokhele izinsizakalo zomshayeli wetekisi emotweni futhi uhambise i-pizza ekhaya.

Ukulandelana kwemisebenzi

Ukusebenza kokukhokha nge-terminals kubonakala kanje:

1. I-cashier idonsa ikhadi ngokusebenzisa i-terminal.
2. Ulwazi mayelana nomkhokheli ludluliselwa esikhungweni sokucubungula.
3. Uhlelo luhlola ibhalansi yezimali ku-akhawunti.
4. Uma kukhona imali eyanele, izimali zidluliselwa phakathi kwama-akhawunti.
5. Izimpikiswano zokuphela zikhishwa amakhophi amabili esheke. Omunye uhlala ne-cashier, kanti eyesibili idluliselwa kumthengi.
6. I-acquirer idlulisela umthengisi izimali zilahle ikhomishana.

Ukuthola eRussia

E-Russia, lesi simiso sisesezingeni lokuthuthukiswa. Inombolo ephelele yamakhadi akhishwe ezweni lidlule inani labantu. Nakuba isilinganiso sokuhlanganisa e-United States naseYurophu singaphezu kwezikhathi ezingu-2-4.

Ngokwemvelo yenkambiso yezimali ekhulayo phakathi kwabantu, ikhadi libhekwa njengendlela elula yokukhokha nokufinyelela ezinsizeni, kodwa ukuthola eRussia kuhamba kancane kunalokho okuhleliwe. Eminyakeni engu-15 eyedlule, isilinganiso sokukhokha kanye nokukhokha okungewona ukheshi kwakungu-97% no-3%. Namuhla, izibalo zibukeka zihlukile: 85% no-15%. Noma kunjalo, imisebenzi engu-70% ihlobene nokuhoxiswa kwezimali ezivela ku-akhawunti.

Ungathenga nokuxhuma ukugcina inkokhelo kunoma iyiphi ibhange ezweni. Udinga ukugxila kuphela kudumela nokuhlangenwe nakho kwenhlangano yezikweletu. Isibonelo, i-PJSC "BINBANK" inikeza amakhasimende ayo ngensizakalo ye- "BIN-Go". Ukukhetha enye ye-terminals ezine, iklayenti ithola insizakalo yokuthola amathuba okuthola amakhadi kusuka ohlelweni lwezinkokhelo ezine. Izimo eziphoqelekile - ukukhokhwa kwekhomishana ngo-1.8% nokukhishwa kwezimali kwi-akhawunti yekhasimende ezinsukwini ezimbili. Ungasebenzisa isevisi ezinsukwini eziyisikhombisa ngemuva kokufaka isicelo.

Ngamanye amagama, ukuphela kokuthola iSberbank kunikezwa. Ubukhulu bekhomishini buxhomeke kumthamo wenyanga wenyanga engenayo odlula amakhadi, futhi ungaba kusuka ku-0.5% kuya ku-2.2%. Ukuze ulondolozwe ukuthola ama-terminals, udinga ukukhokha ama-ruble ayizinkulungwane ezimbili ngenyanga.

Ukuxhumeka kwesiphetho sokuthola: 1С Retail "

Ngokwezibalo ku-1C, idokhumenti "Ukuthola ukuthengiselana" isetshenziswa. Ngaphambilini, udinga ukuvuselela lo msebenzi kuthebhu "Yokuphatha", "Ezezimali", ngokufaka uphawu "Amakhadi okukhokha". Ungakha "Ukuthola ukuthengiselana" kuthebhu "Yezezimali" noma ngesisekelo "Ukuqaphela Impahla", "I-oda Lomthengi".

Ewindwangu evulekayo, ingxenye yemininingwane itholwe kudokhumenti enkulu. Isibonelo, "Counterparty", "Inani" ne "Igama lezimpahla". Ngaphezu kwalokho, udinga ukucacisa "I-Terminal", "Buka", "Inombolo yekhadi". Lolu lwazi ludonselwa ku-"Ukuthola Isivumelwano" kuthebhu "Yezezimali". Uma le dokhumenti ilahlekile, kufanele ukuthi idalwe ngokucacisa efomu:

• Igama lomuntu otholayo (ngehlobo lenkontileka "Okunye ubudlelwane");
• Umthengi we-Counterparty;
• I-akhawunti;
• Inombolo yekhadi.

Ngaphezu kwalokho, kubalulekile ukudala ukutholakala kokugcina ngokwalo ohlelweni.

Emva kokugcwalisa idatha, udinga ukubuyela kudokhumenti yangempela bese uqhuba "Ukuthola ukuthengiselana".

Umbiko weBhange

Ngemva kokuthola isitatimende se-akhawunti kulolu hlelo, udinga ukwenza idokhumenti "Umbiko webhange wokuthola." Yadalwa ngegama elifanayo kuthebhu "Yezezimali". Isinyathelo sokuqala ukucacisa inkontileka ethile nebhange. Khona-ke, "Khetha" ukhuphule "Izinkokhelo ezingenayo." Ewindini lokukhokha evulekayo, khetha ukuthenga okuthile okuqondile futhi uchofoze inkinobho ethi "Ukudlulisela kudokhumenti". Lonke ulwazi luzoboniswa esigabeni setafula lombiko.

Ulwazi mayelana nezinsizakalo zebhange lugcwaliswe kuthebhu ethi "Ikhomishini Yokuthola": into ebiza, ama-akhawunti wokuhlaziya, inani. Isigaba sokugcina ukudala "Isitatimende nge-akhawunti yokukhokha" ngesisekelo se "Umbiko". Le dokhumenti ku-1C kwi-akhawunti yekheshi idalwe kwimali evela ekuthengisweni, inetha lekhomishini.

UT 11

Isiphetho sokuthola kule nguqulo yohlelo lwe-1C ixhunyiwe ngokuhlukile. Ikakhulukazi:

• Esikhathini esivumelwaneni nebhange, zonke izinhlelo zokukhokha lapho inkontileka isebenzayo zidweliswe;
• Ukuze wenze ukuthengiselana ngamakhasimende angabenzi, idokhumenti "Uhlola i-KMM" isetshenzisiwe;
• Ekupheleni kosuku, "Shift Closure" ibanjwe, futhi "I-Sales Report" ivele ngokuzenzakalelayo.

Ku-"Hlola" kuthebhu yokuqala ulwazi olumayelana nempahla luboniswa, okwesibili - ekhadini lokukhokha, okwesithathu - idatha yesheke kanye negama le-cashier.

Imemo yokusebenzisa idivayisi

Uma ukwenza izinkokhelo ngokusebenzisa i-terminal, izinkinga eziningana zingase ziphakame: ukwehluleka kwenethiwekhi, ukukhansela ukusebenza, imali enganele ngokwanele kwi-akhawunti. Ake sicabangele ngokuningiliziwe indlela yokusebenzisa kahle idivayisi nokukhansela ukusebenza.

Uma kwenzeka ukuphelelwa ukusebenza ngempumelelo, lesi sibulali sishintsha isheke lapho sibonisa khona: inombolo yekhadi, ikhodi yokugunyazwa kanye nokuthengiselana, inani lokukhokha nokukhwabanisa. Leli gama lombhalo onemigomo yesikhungo sokucubungula. Uma ulwazi lokuqinisekiswa kwenkokhelo lungatholakali, kufanele ukhansele ukuthengiswa ngokuzenzekelayo usebenzisa umyalo "Khansela ukuthengiswa".

Lapho ukuguqulwa kuvaliwe, i-terminal isebenza ukubuyisana. Ngesikhathi esifanayo, umbiko mayelana nokuthengiselana okwenzelwe ushintsho lwemali yabo.

"Ukukhishwa kokukhokha" kungenziwa ngesikhathi sokushintsha futhi ngaphambi kokuhoxiswa kwemiphumela. Kulesi simo, inamba yokuthengiselana (RRN) nenombolo yokuhlola iyadluliselwa esibulalayo. Emva kwalokho imali ekhokhwayo ibuyiselwe ku-akhawunti yomthengi. Uma umbiko usuvele uhoxisiwe, udinga ukukhipha umyalelo we "Return of payment", obonisa inani, inombolo yekhadi, ukuthengiselana nokuhlola. Esikhathini sokuqala, izimali zizohamba ngokushesha ku-akhawunti yomthengi, futhi okwesibili - emva kokuqinisekisa ukusebenza kwebhange.

Izinzuzo

Namuhla, izinhlangano eziningi zisebenzisa izithakazelo zokuthola izinkokhelo. Lolu buchwepheshe lungcono ukusebenzisa, luqeda ingozi yokuthola imali yokukhokha, londoloza imali yokuqoqa. Ukungasho ukuthi abahlanganyeli kulezi zinhlelo bathola imikhiqizo ekhethekile yasebhange ngendlela yezinhlelo ezikhethiwe, izaphulelo ezisevisi kanye nokuqeqeshwa kwabasebenzi mahhala. Kanti ikhasimende libalwe ukuthenga indlela elula kuye.

Ngokwesiko, amakhadi avunyelwe izigaba ezithandekayo zabantu. Ngokwezibalo, ukukhokha ngokusebenzisa i-terminal kuholela ekwandeni kokuthengisa ngo-20-30%. Abanikazi be "plastic wallet" ngokushesha bahlanganyela ngemali. Isilinganiso esijwayelekile sesheke esikhokhelwa kulesi sikhungo singaphezu kuka-30%. Ukuba khona kwendlela yokukhokha eyengeziwe kwenza inkampani emehlweni enkampani ethembeke futhi ekhangayo. Ukuthola futhi kwandisa inani labathengi abangaba khona.