01 ngo-04
Swayipha kahle u-Swiping, Hello Biometrics
Uma ukhokhela konke ngepulasitiki noma uhlelo lokusebenza lweselula uma uhlala eholidini, lungela imishayezo emisha elandelayo. Ukuze sibheke esikhathini esizayo sokuthenga ngokuhamba kwesikhathi, saphendukela kuCarolyn Balfany, Senior VP kanye neQembu Leqembu le-US Product Delivery ye-MasterCard Worldwide.
Ukuvakasha komndeni nge-About.com: Kuthiwe ukuthi izindlela zokukhokha zizoshintsha ngaphezulu eminyakeni emihlanu ezayo kunasekuqaleni kwekhulu leminyaka. Yiziphi izinhlobonhlobo ezinkulu nokuthakazelisayo ezizayo kanye nokuthi umdwebo wesikhathi sizobukeka kanjani?
UCarolyn Balfany: Ikusasa lokukhokha akukona ngokukhetha ikhadi noma i-smartphone. Ikusasa lokukhokha liwukuthi zonke izinketho zitholakale futhi abathengi banquma ukuthi yiziphi abathanda kakhulu-futhi bashintsha izingqondo zabo njalo lapho bekhokha okuthile.
Kuzoba nemininingwana eningi ezayo eminyakeni emihlanu ezayo-ukukhokha kwefoni ephathekayo kukhona lapha futhi kufinyelela phambili, imikhiqizo yekhredithi yedijithali idumile e-intanethi futhi iyahamba ezitolo, futhi i-biometrics manje isezinhlelo zokushayela e-US.
Abanikazi bezinhlobo ezintsha ze-iPhone manje bangakhokha izimpahla kubadayisi abakhulu, ngokuphepha nangokuphepha nge-Apple Pay. Umgomo we-Apple Pay uwukuphepha nokuphepha. Uma ungeza ikhadi lesikweletu noma le-debit ku-Apple Pay, izinombolo zakho zekhadi azigcinwe kwi-iPhone noma kumaseva we-Apple. Esikhundleni salokho, inombolo ye-akhawunti yedivayisi eyingqayizivele inikezwa, ibhalwe ngokufihliwe futhi ivikelekile ku-Secure Element kudivayisi yakho. Ukuthengwa ngalunye kugunyaziwe ngekhodi eyodwa yokuphepha eyodwa eyodwa.
Ngaphezu kwe-Apple Pay, i-Samsung ikhiphe ukukhokhelwa kwayo okuhambayo, i-Samsung Pay, iqhubeka nokukhula. Njenge-Apple Pay, ukuthengiselana ngakunye okwenziwe kumamodeli amasha we-Galaxy S ne-S Edge kugunyaziwe ngekhodi eyodwa yokuphepha ehlukile yesikhathi esisodwa. Lezi zindawo ezimbili zokuncoma zomkhiqizo we-MasterCard we-digital wallet umkhiqizo, MasterPass, okwenza abathengi bakhokhe nganoma yiliphi ikhadi elibhalisile lokukhokha, noma ikuphi ku-intanethi noma kuhlelo lokusebenza, besebenzisa noma iyiphi idivayisi futhi kuqede isidingo esidla isikhathi sokufaka ulwazi lokukhokha okuningiliziwe nokuthumela konke okuthengwayo.
Nakuba izinkokhelo zamaselula ziyizinto ezinkulu, enye yezinqubo ezintsha ezithakazelisayo ezizayo ukusetshenziswa kwe-biometrics. I-biometrics ingasiza ukulwa nokukhwabanisa kwamakhadi okukhohlisa nokulahleka / okubiwe njengoba ukuhlanganiswa kwezwi kanye / noma ukuqashelwa kobuso ngamafingerthi kubonisa ukuthi ungubani umnikazi wekhadi. Ukuletha ukuqinisekiswa kwe-biometric ku-mainstream, i-MasterCard ibambe iqhaza ezinhlelweni eziningi zokujikeleza emhlabeni jikelele.
02 ka 04
Kungani Ukukhokhela NgePulasitiki Kuzoshesha Kuphephe
Ukuvakasha komndeni nge-About.com: I-US izogcina igxile kwizinga le-chip-card kamuva kulo nyaka, okuthiwa yisinyathelo esikhulu kakhulu esikhathini esizayo sokungakhohlisi nokukhwabanisa. Ingabe abathengi bazobona noma yikuphi ukuguqulwa noma ingabe lokhu kuzoba isiphetho esiphezulu se-scenes?
UCarolyn Balfany: Ukuthuthela emakhadini ase-US eqinisweni kuyisinyathelo esibaluleke kakhulu. Amakhadi we-chip ayikhadi lesikweletu noma le-debit elinamakhodi wekhompiyutha afakwe ebusweni bekhadi, ngakho abathengi bangabonakala bebahlanganyeli abakhuthele kule shift. Amakhadi we-chip akwazi ukuphepha ngokuphepha, okuhlakaniphile nokuthengwa okuphephile kungakhathaliseki ukuthi abathengi bakhokha ngekhadi, izingosi zokuxhumana ezingekho, ezithintekayo noma ezikude. Esikhundleni sokusula imivimbo yamagnetic, amakhadi e-chip afakwe ekugcineni kwezokukhokha. Ama-terminals afundisa abathengi ukuthi bafake izinamba ze-PIN ezinamadijithi amane ( chip-and-PIN ) noma babhale amagama abo (chip-and-signature). I-inthanethi, inqubo yokukhokha ihlala iyafana-faka ngesandla izinombolo zekhadi ukuze usebenzise ukuthenga.
03 ka 04
Yikuphi okuphephile: Amakhadi esikweletu noma amakhadi weDebit?
Ukuvakasha komndeni nge-About.com: Abantu abaningi basebenzisa amakhadi we-debit, amakhadi esikweletu noma ukuhlanganiswa kwalaba ababili ukukhokhela amaholide abo. Ngombono wokuphepha, yiliphi lamakhadi elihlinzeka ukuthula kwengqondo kakhulu futhi kungani?
UCarolyn Balfany: Ukuhlukanisa okuyinhloko ne-MasterCard okumele kuqaphele ukuthi i-MasterCard ivikela ukuthengiswa kwemali kanye nokuthenga ngesikweletu ngokulinganayo, inikeze izinzuzo zokuphepha ezibalulekile, njengeZero Liability Protection, ukusiza ukugcina abanikazi bamakhadi bephephile. Kubanikazi bamakhadi be-MasterCard, inkokhelo ye-zero isebenza ekuthengeni kwabo okwenziwe esitolo, ngocingo, ku-intanethi noma nge-device ephathekayo. Abanikazi bamakhadi akakaze babe nesibopho sokuthengiselana okungagunyaziwe uma kunakekelwa okunengqondo kusetshenziswe ekuvikeleni ikhadi ekulahlekelweni noma ukweba; futhi ikhadi elilahlekile / elibiwe labikwa ngokushesha.
04 ka 04
Ingabe i-Wifi yomphakathi ivikelekile ukwenza ukuthenga?
Ukuvakasha komndeni nge-About.com: Uma sihamba, sivame ukuzitholela ukungena kumahhala e-wifi mahhala ezindaweni zomphakathi njengezindiza, amahhotela namathilomu. Kuphephile kangakanani ukuthenga ngekhadi lakho lesikweletu kulawo masethingi futhi kukhona izinyathelo zokuqapha okufanele zizisebenzise?
UCarolyn Balfany: Abahambi kufanele basebenzise isinqumo sabo esingcono kakhulu emgwaqweni. Uma kudingeka ngokuphelele ukuthenga noma ukubhuka ihhotela, yenza kanjalo ukwazi ukuthi iZero Liability izokuvikela ekuthengeni okungagunyaziwe uma i-akhawunti yakho isonakele. Vimba ekwenzeni ukuthenga uma indawo ibonakala ingaphephile noma uma omunye umuntu endaweni ejwayelekile ebonakala engathandi kakhulu kulokho okwenzayo.