makadi pulasitiki akhala mbali ya moyo wathu. Small, yabwino malipiro chida, amene kutenga pafupifupi kulikonse pa dziko lapansi. Komanso otetezeka kwambiri. Nthawi zonse tiyenera kukumbukira pini malamulo ndi kuonetsetsa kuti khadi alibe atayika, kapena kubedwa CVV ndi Mwachitsanzo, kulipira zogula mu sitolo Intaneti. Koma pali njira ina - PayPass. Kodi ndi mmene tingagwiritsire ntchito chida ichi, adzaphunzilanso pa nkhani imeneyi.

tanthauzo

PayPass - ichi malipiro contactless luso pogwiritsa makadi banki MasterCard. Pofuna kupereka zokwanira kuti khadi ndi microprocessor kudwala lapansi. Ichi ndi luso PayPass. Ndipotu, khadi ndi Chip ndi mlongoti ndi. Mu Taiwan, USA, Spain ndi Turkey MasterCard PayPass microprocessor ophatikizidwa mu ulonda, mafoni ndi zinthu zina zimene munthu n'kupita naye tsiku lililonse.

Dongosolo malipiro otetezeka chimathandiza yosavuta, mwamsanga komanso otetezeka kuchita kugula yaing'ono. Tsopano, mu nthawi malipirowo palibe kuvutika ndi mabala, kuthera khadi kudzera osachiritsika, chizindikiro macheke. wosuta chabe kukhudza osachiritsika wapadera. PayPass luso ndi zothandiza m'munda wa malonda katundu ndi mtengo wotsika ndi ndalama yapamwamba ndikupeleka. Koma chitukuko yake imapita m'tsogolo m'pofunika kulimbikitsa chitetezo cha ntchito.

Mbiri ya chitukuko

Mu 2003, miyezi MasterCard 9 kudziyesa ntchito njira zamakono contactless ku Orlando, Florida. Pa mfundo 60 osiyana ogwiritsa analipira 16 zikwi mapu. Mu kufanana kampani ntchito kupyolera ngakhale ake ndi Nokia, JPMorgan, AT & T kwa oyamba PayPass mu mafoni. 50 miliyoni wagawo zinalengedwa 2008. Pa nthawi imeneyi, 77% ya ogwiritsa ntchito contactless luso monga njira yaikulu ya malipiro. Ndi 2010, PayPass unayambitsidwa mu Bulgaria ndi Slovakia, m'manja mwa owerenga anali 75 miliyoni makadi, amene adatenga 230 zikwi malo. Malinga ndi lipoti la zachuma pa kampani ya chaka 2012, kupanga buku chinawonjezeka ndi 50% chifukwa kukula kwa chiwerengero cha ogwiritsa ku Ulaya. makadi PayPass nkhani lero Russian ndalama Bank ndi Privat ku Ukraine.

Izo si anamasulira angathe PayPass

Kodi zikutanthauza chiyani? wotuluka Contactless zingatipindulitse onse msika: ogula, malonda ndi mabanki. mabungwe Financial kupereka makasitomala awo ndi ambiri njira malipiro, issuers - kuwonjezeka mapulogalamu zopalira nkhani kukhulupirika khadi. Njira imeneyi akhoza yothandizana iliyonse ngongole, madebiti, co-kutentha ndi mapulogalamu ena.

mabungwe malonda, amene anaika PayPass akayakaya akhoza kutumikira makasitomala ake pa mlingo wokwererapo. Kuchepetsa ntchito ndi ntchito ndalama Iyamba ndondomeko komanso amaonetsetsa dzuwa kwambiri. The kampani yoyamba kuti anayamba kugwiritsa ntchito MasterCard PayPass, - ndi McDonald a. Posakhalitsa, chidwi mu njira yatsopano anadza pa osewera ndi golfers. Kachitidwe contactless tsopano ntchito turnstiles, vending makina, etc.

PayPass: kumene anatengedwa ndi anamasulidwa mu Russia

Woyamba contactless malipiro latsopano la Russia unachitikira 09.09.08 mu Moscow odyera "zisanu Star". Khadi woyamba linaperekedwa PayPass Industrial Bank mu 2010. Iwo inyamuka kumasula osiyana khadi kope kwa ophunzira ndi aphunzitsi. Iwo akhoza kugwiritsidwa ntchito osati kwa cholinga chake, komanso buku mbiri ndi studbilet.

Popeza 2011, khadi ndi lamizeremizere maginito ndi Chip manufactures "Raiffeisenbank". Ake ufulu kupereka makasitomala pansi pa "umafunika" phukusi. Koma tiyenera kukhala bwino osachepera rubles 2 miliyoni. kapena miliyoni 1, ngati mu mwezi adzakhala ndalama zoposa 25 sauzande. pakani. Makasitomala amene alibe kutsatira chikhalidwe ichi adzakhala malipiro apamwezi 3000 rubles.

Analogues mu dziko

umisiri Contactless komanso kulibe mu dongosolo Visa. PayWare - analogue PayPass. Kodi zikutanthauza chiyani? Visa ndi JCB Co. Ltd. anasaina mgwirizano pa zomwe MasterCard kulandiridwa monga protocol limodzi, mwachitsanzo onse luso contactless kudzayesedwa ndi chiwembu chomwecho, kuonetsetsa ngakhale a zopangidwa zonse.

Ubwino waukulu wa kupereka contactless:

• njira yamakono ya mawerengedwe;
• njira chilengedwe malipiro - khadi banki angagwiritsidwe ntchito osati pa zipangizo zatsopano, komanso ATMs ambiri ndi malo POS;
• yaitali moyo utumiki;
• liwilo malipiro;
• chitetezo chinyengo.

Koma pali limodzi lalikulu drawback - chosowa zomangamanga, mtengo umene waukulu zedi moti mabanki ngakhalenso amalonda sali mofulumira kuti aganyali mu izo. Mu UK kwa zaka 3 ife anaika malo mu% 10 okha masitolo.

PayPass: momwe ntchito

Ndiyamika wapadera Chip malipiro contactless khadi akhoza kukhala zing'onozing'ono popanda chofukizira kutsimikizika. ntchito zoterezi okha madola 15 a ku United States, 50 PLN Poland, mapaundi 10 mu UK, 1000 rubles - Rosiii. Ntchito pa yambiri adzayenera umboni siginecha chiphaso kapena kulowa Pin-code. Koma si mabanki onse ali ololedwa. Mwachitsanzo, mu Germany ndi Austria mu nkhani ya chopitirira malire a malipirowo adzayenera kugwira ochiritsira kukhudzana njira.

MasterCard imalankhula madebiti ndi ngongole PayPass. Kodi kugwiritsa ntchito contactless Chip?

Pambuyo muyeso ndikupeleka ndi debited ku banki wanu kapena nkhani. Popeza kugwirizana sanali kukhudzana, m'malo khadi angagwiritsidwe ntchito chizindikiro RFID kiyi fob, foni ndi NFC, ndi zina zotero. D. Katundu zitha kulipira mfundo malonda ndi chizindikiro PayWave Visa, PayPass. The osachiritsika chinatsimikizira ndondomeko kuwerenga mbendera phokoso. wosuta alibe pochitika khadi m'manja cholakwika, kulowa Pin-code, lowani cheke. Zokwanira kubweretsa Wallet akayakaya ndi khadi. Mkati, pasakhale zina pulasitiki onyamula ndi Chip ndi. Mu Germany iwo amene anaika ndi makadi abwino.

chitetezo

Contactless ndikupeleka kuchepetsa nthawi. Koma mawu a chitetezo amapereka owerenga mafunso ambiri. The RFID Chip zingakhale pang'ono chosonyeza choyerekeza khadi pa mtunda wa masentimita 2. Zimenezi zimatikumbutsa mu funso mokwanira ntchito osakhala nawo.

PayPass chindiletsa kuwerenga mwachindunji ndi RFID lapansi. Chip kakunena za chiwerengero ndi nthawi ya khadi unali woyenerera, ndipo sikokwanira kuchita wotuluka Intaneti. Pakuti kumulipiritsa kwaiye kamodzi code. Ngati tingayerekezere kufikira ntchito khadi, inu mukhoza kulenga choyerekeza ake. Ntchito yoyamba ya kachidindo chibwereza wavomerezedwa, ndiponso mobwerezabwereza chifukwa choyambirira kuyimitsidwa wa onyamula onse. Popeza otsika ndikupeleka malire, khadi cloning opanda pake.

Pangani kwambiri ntchito ya osachiritsika a m'manja sizigwira ntchito. M'madera ambiri deta pa ntchito zoterezi kubwera kwa likulu la udindo akunja sangathe ntchito khadi popanda chilolezo. madongosolo otero kambiranani malamulo kwaiye ndi kuyesa kwa chibwereza a. Kuti wathunthu mudziwe chitetezo pounika mapu, mwachitsanzo, kukulunga mu zojambulazo.

Kodi kugwiritsa ntchito luso MasterCard Mobile PayPass

Mu Moscow, St. Petersburg ndi zina Russian m'mizinda ikuluikulu "contactless" mfundo zambiri monga amagulako, malo omwera, odyera, pharmacies, gasi, salons kukongola ndi establishments ofanana. Komanso, mabungwe ena kugwira magawo owerenga PayPass luso. Mwachitsanzo, ku likulu kumpoto mpaka mapeto a February, kulipira kuti pa ankakonda khofi shopu anu pa foni, inu mukhoza kutenga khofi monga mphatso.

yaposachedwapa

Petersburg Metro kuyambira January 2015 inayamba kulandira malipiro contactless pa turnstiles onse. Khadi malipiro ndi debited ndalama wofanana ndi tariff likanatha. Kuchita ndikupeleka akhoza matebulo chokha chimene chatsalira katundu turnstile. Kuti alipire okwanira kuti khadi kuti bwalo chikasu. Pa akamaliza ndikupeleka pa turnstile limafulatira buluu.

Njira malipiro amathanso ulonda Watch2Pay - mankhwala a banki "dera limeneli limatchedwa Mabala". Only mu Kazan chiwerengero cha chisanadze malamulo anali oposa chikwi. mtengo CIMODZI CIMODZI wa mankhwala - 3000 rubles. Russian Federation. Pulasitiki wotchi Mabaibulo angapo (woyera, wakuda, chofiira, chabuluu) ndi makulidwe ndithu. Kuwonjezera clockwork Seiko Epson mwa iwo palinso kagawo kwa SIM-khadi. Zikuphatikizapo tingachipeze powerenga contactless khadi. Kuti yambitsa koloko, muyenera kutumiza iwo SMS ndi chiwerengero khadi.

M'chaka cha 2014, mungagwiritse ntchito foni ndi NFC, kulipira mabasi ndi magalimoto. Kuchita izi, woyendetsa muyenera kupeza wapadera SIM-khadi ndi ntchito chisanadze zoyendera. Pakuti malipiro muyenera kubweretsa foni yanu kwa validator amene ali kondakitala. Pamalo okwerera sitima iwo amene anaika mu turnstiles lapansi. Mukhoza kugwiritsa ntchito wotchi ya Kazan monga chikudutsa mu IT-paki. Kuchita izi, pa khomo la kumalo masewera anali wokwera Control malo - infomats. Tatarstan mayunitsi zoposa 150.

chidule

Mu makadi pulasitiki anaonekera woyenera m'malo - PayPass. Ndi chiyani icho? Contactless luso, lomwe lili chipangizo pamene mukupanga malipiro ndi Chip ndi mlongoti ndi. Kutsimikiza malipirowo sayenera kulowa Pin kapena lowani macheke. Kwene khadi kuti osachiritsika wapadera. Malire ntchito okha m'mphepete amvekere, koma rubles palibe zoposa 1000 mu Russia. Ntchito njira zamakono simungathe kokha kupyolera khadi. Si kale zinaoneka Watch2Pay wotchi ndi Chip chimodzimodzi rubles 3000. Komanso, mafoni anzeru ndi NFC, mukhoza kulipira maulendo pa mabasi ndi magalimoto. Koma adzakhala ndi kugula SIM khadi ndi wapadera ntchito chisanadze anaika. Kukula wodzala ndi luso kovuta chifukwa chosowa zomangamanga m'midzi.