Bamba isikhwama sakho kwaye usebenzise i-checkout yeselula
Ulungele ukushiya isikhwama sakho ekhaya uze usebenzise kuphela i-smartphone yakho ukwenza yonke intsebenzo yakho yemali yemihla ngemihla? Oku kunokwenzeka ngeentlawulo zemfono, enokuthi ngenye imini inokuthi ithathe iindidi ezininzi zokuhlawula ngokwenyama njengemali kunye namakhadi.
Iintlawulo zefowuni lixesha elide elinokuthetha yonke into ekuhlawuleleni kwiivenkile kunye nefowuni okanye ukutshiza ikhadi lakho kumbhebhethi yomhlobo wakho, ukudlulisela imali kwintsapho okanye abasebenzi basebenzisane ngaphandle kokufuna ukuzinikela ngokwasemzimbeni.
Qaphela: Qaphela ukuba ezinye iinkonzo zentlawulo zentlawulo zihlawulisa iintlawulo zeentengiso. Uninzi lwayo lukhululekile kodwa khumbula uphando kwiiwebhusayithi ezikhankanywe apha ngezantsi ukuze ziqaphele imigaqo-nkqubo yakutshanje malunga nemirhumo yokuthengiselana.
Ziziphi Iintlawulo Zemfono?
Kukho iintlobo zeendlela zokuhlawula iifowuni ezisebenza ngokungafaniyo. Abanye bangadinga ukuba ifowuni ibe kufuphi nenye idivayisi efumana inkokhelo, njengentlawulo ye-NFC enxibelelwano elisondeleyo, ngelixa abanye basebenzisa intanethi.
Uninzi lweenkqubo zokuhlawula iifowuni lunokuqatshelwa kwelinye lala manqaku:
- Imihla ngemihla: Intlobo enye yentlawulo yeselula eyenzekayo naphi na apho ukhona, njengasekhaya. Unokuvula i-fowuni yakho kwaye ukhokhe umntu naziphi na izizathu onqwenelayo: ukwahlula umrhumo-mali, thumela isipho semali, ubuyisele omnye umntu into abenzele yona, njalo njalo. Imali idla ngokulandelwa ngqo kwi-akhawunti yakho yasebhanki, kodwa ezinye iinkonzo zikuvumela ukuba ubambe imali "kwisikhwama semoto" ukuze uthunyelwe ngokukhawuleza.
- Intlawulo yokuthengisa (POS): Ezi zenzeke kwindawo othengayo kuyo okanye inzuzo. Uninzi lwezitolo zineenkqubo zePOS zokuhlawula iifayile ezenza kube lula kakhulu ukuthetheza ifowuni yakho kumfundi wekhadi okanye cinezela iqhosha kwifowuni ukukhawula ngokukhawuleza i-bill.
- Iintlawulo zamaselula ezivaliweyo: Ezi ntlobo zentlawulo zemoto zizodwa kwiinkampani. Ngokomzekelo, i-Starbucks ikuvumela ukuba uthenge nantoni kwimenyu yabo usebenzisa ifowuni yakho, kwaye unokweqa umgca kwisitoreji kwaye uye ngqo ngqo kumgca wecala lomyalelo wokuhamba umyalelo wakho.
- Iintlawulo zenkampani: Njengoko ifowuni nganye efanelekileyo yokukhokha isebenzisa umphathiswa wefowuni, ezinye iinkonzo zikhoyo ekuvumela ukuba uhlawule izinto kwifowuni yakho kodwa akumele uhlawule uze ufumane i-bill cell phone yakho. Ngamanye amaxesha kuboniswa ngeminikelo ongayenza ngaphezu kokubhaliweyo.
- Umfundi wekhadi lomnxeba: Ezinye iinkampani zinikeza isicatshulwa esincinci esichukumisa kwifowuni okanye ithebhulethi engasetyenziselwa ukwamukela iintlawulo kwi-debit okanye kwikhadi lekhredithi. Ezi zigqibeleleyo kumashishini amancinci okanye nakwabantu abamkela iintlawulo ekuhambeni.
Izintlu zeNkqubo zeNtlawulo
Izintlawulo zeefowuni zentlawulo zikhutshwe kwiiplatifti ezinkulu zokugcina ii-app. Indlela yokuhlawula iyanconywa kangangokuba ezinye iifowuni zinokuba nesici sokuhlawula iselula esakhiwe ngqo kwisixhobo.
Apple Pay. I-Apple Pay isebenza nge-iPhone, i-iPad kunye ne-Apple Watch. Ukuba inkqubo ye-POS isekela i-Apple Pay, xa ulungele ukukhangela, ungasebenzisa i-credit card yakho okanye ikhadi lokubambisa ukuhlawula ngokukhawuleza kwiphepha leminwe yakho okanye iqhosha lasekhompini ekubukeni kwakho. Iikhompyutha zeMac zingasebenzisa i-Apple Pay, kwakhona.
Ekubeni umfundi weeminwe uyasetyenziselwa ukuqinisekiswa, i-App Store kunye ezininzi zokusebenza ze-third party zivumela ukuba uhlawule izinto usebenzisa i-Apple yakho Pay ingcaciso kunye neminwe yakho egciniweyo . Akudingeki ukuba uqinisekise usuku lokuphela kwiphepha lakho, faka ikhowudi yokukhusela, okanye wenze nantoni na into yokuba yonke ingcaciso igcinwe kwisixhobo sakho.
I-Apple igcina uluhlu lwazo zonke indawo ezahlukileyo ezixhasa i-Apple Pay. Unokufumana inkxaso ye-Apple Pay kwiivenkile, iihotele, ezitolo zokutya kunye nezinye.
I-Samsung Pay ne-Android Pay. Ifana ne-Apple Pay yi-Samsung Pay, esebenza kunye neefowuni ze-Samsung Galaxy (uluhlu olupheleleyo lwezixhobo ezixhaswayo). Ukongeza ngaphezu kokugcina amakhadi asebhanki aqhelekileyo ayi-10, i-Samsung Pay inxulumene neetoni zabathengisi ukuze ukwazi ukugcina nokuhlawula ngenani elingenamkhawulo lamakhadi wesipho. I-Android Pay insiza efumaneka kuwo onke amadivayisi ase-Android angabikho, afumanekayo kwi-Google Play. Faka nje ifowuni yakho kufuphi ne-Samsung Pay okanye i-Android Pay yokugcina ukuba umfundi we-NFC adibanise iinkcukacha zakho zokuhlawula.
ZeBhanki zokusebenza. Iibhanki ezininzi zivumela ukuba udlulisele imali kwabanye abasebenzisi bebhanki elifanayo. Ngamanye amaxesha le nto ifumaneka kwi-app yeselula. I-Bank of America, i-Simple, i-Wells Fargo ne-Chase yimizekelo embalwa nje, kodwa abanye abaninzi basebenza ngendlela efanayo.
Ezi zizintlu zokusebenza zebhanki ezikuxhuma kwi-akhawunti yakho kunye nebhanki. Kufuneka uhlele i-akhawunti yokugcina okanye yokujonga ukuze usebenzise, emva koko ungasebenzisa ezo akhawunti ukuthumela imali okanye ukuqokelela imali kwabanye. Zonke iibhanki ezine ziyakwenza oku ngokusebenzisa iinkonzo zabo eziphathekayo.
Ukuba ibhanki yakho ayixhasi imali yokudlulisela imali kumntu osebenzisa ibhanki yakho enye, okanye abasebenzisi ibhanki elifanayo kodwa ufuna ukuthumela imali kubo, ungasebenzisa i-app ye-nonbank ukuze wenze ukuhanjiswa kweselula.
Iinkonzo ezingezizo. Lezi zixhobo ezingezona iibhanki zezobugcisa kodwa zivumela ukuba usebenzise imali kwi-bhanki yakho ngeentlawulo zemoto okanye ugcine imali kwi-app ukwenzela ukuba unokukhawuleza ukudlulisela imali kwabanye abasebenzisa inkqubo efanayo.
I-Square Cash yamahhala ikuvumela ukuba uthumele imali ngqo kwi-akhawunti yebhanki yomntu ngaphandle kwemali. Kulula njengoko ukhetha imali ukuthumela okanye ukucela, uze uyithumele nge-imeyile okanye umbhalo. Ungagcina imali kwi-app ukwenzela ukuba ikwazi ukuhamba ngokukhawuleza kwi-akhawunti yomntu, emva koko iyakwazi ukugcina imali apho kwaye isebenzise ezinye iinguqulelo, okanye ifake imali kwibhanki yabo.
I-PayPal yenye enye intlawulo yenkonzo yentlawulo ephathekayo esebenza ngokufana neCash Cash, apho ungathumela khona okanye ucele imali kwi-app kunye nokugcina imali kwi-akhawunti ukuze uthunyelwe ngokukhawuleza. Unako ukuhlawula ngeakhawunti yakho ye-PayPal kwezinye ivenkile.
Iintlawulo zeMfono zinikezwa yiGoogle, nayo, ngeGoogle Wallet. Yongeza imali kwi-akhawunti yakho yakwa-Google Wallet ngemizuzwana uze uyithumele kunoma ubani. Konke okufuneka bayenze kufakwe ulwazi lwabo lwebhanki ukuze lufumane. Khetha indlela yokuhlawula ngokuzenzekelayo kunye ne-Google izotshintshela ngokuzenzekelayo yonke imali engenayo kwibhanki. Ngokuyinene-app yokudlulisa ibhanki, kunye neGoogle ukulamla iinkcukacha.
I-American Express Serve injengezinye iinkonzo kunye nenzuzo eyongeziweyo yokusebenzisa iifom zokuhlawulwa ezihlawulwa kunye nokukwazi ukwakhiwa kweebhasali.
I-Snapchat kunye ne-Facebook Messenger kungenzeka ukuba ingacingi yakho yokuqala xa kuziwa kwiintlawulo zamaselula, kodwa zombini ezo zixhobo zivumele ukuba uthumele imali kwi-Snapchat okanye i-Facebook abangani bakho. Kulula nje ukubeka inani le dollar kumyalezo wesicatshulwa, kwaye ke uqinisekisa iinkcukacha zakho zokuhlawula.
Ezinye iifayili zentlawulo zentlawulo ziquka uVenmo, uPapmoney, kunye neBlockchain (othumela / owamukela iBitcoin).
Abafundi bekhadi leselula. I-Square, enye inkampani eqhuba iCash service ekhankanywe ngentla, ikuvumela ukuba wamukele iintlawulo ezivela kumakhadi ngokusebenzisa idilesi ye-Square Reader yamahhala edibanisa kwi-iphonephone. Imali icutshungulwa ngokusebenzisa inkqubo yabo ye-POS.
I-PayPal inomfundi wekharityhulam wamahhala obizwa ngokuba ngu-PayPal Lapha, njengoko i-PayAnywhere.
Ukuba ufuna ukuthengiselana ngokufanelekileyo kakuhle ne-akhawunti yakho ye-QuickBooks, unokukhetha i-QuickBooks GoPayment.
Kubalulekile: Zonke ezi ntlawulo zihlawulisa ngemali nganye okanye ngentlawulo yonyaka okanye yenyanga, ke qiniseka ukuba ukhangelelene nalawo maqhagamshelwano malunga neenkcukacha ezithe gqolo.
Ukukhokhwa kweeNkcitho zeNkonzo zeMali kunye neNcwadi eValiweyo yokuThengiswa kweeMali
Mhlawumbi unomdla omncinci kubo abaninzi abantu abahlawulwa ngokuthe ngqo kwiintlawulo zentlawulo. Ngamanye amaxesha xa uthengisa i-app okanye iringithoni yefowuni yakho, inkonzo iya kwongeza imali kwi-bill cell phone yakho. Oku kuyinto eqhelekileyo xa wenza iminikelo, njengoMnqamlezo obomvu.
Iintlawulo zemoto ezivaliweyo ezivaliweyo zenzeka xa iinkampani zenza uhlobo lwazo lwenkqubo yokuhlawula imoto, njengeWalmart, i-Starbucks, iTaco Bell, i-Subway ne-Sonic. Ngolunye lwalezi zixhobo mazivumele ukuhlawulela ibhilikhwe efonini yakho, nokuba ngaphambi kwexesha okanye xa uthayipha umyalelo wakho.