Bamba isikhwama sakho bese usebenzisa isheke leselula
Ulungele ukushiya isikhwama sakho esikhwameni bese usebenzisa kuphela i-smartphone yakho ukwenza yonke imisebenzi yakho yansuku zonke yezimali? Lokhu kungenzeka ngezinkokhelo zamaselula, okungenzeka empeleni ngelinye ilanga zishintsha izinhlobo eziningi zokukhokha ngokomzimba njengekheshi namakhadi.
Izinkokhelo zamaselula yisikhathi esikhulu esingasho konke ekukhokheni ezitolo zokudlela ngefoni yakho noma ukusula ikhadi lakho kuthebhulethi yomngani wakho, ukudlulisela imali emndenini noma kubambisene nabo ngaphandle kokudinga ukuzinikela ngokomzimba imali.
Qaphela: Qaphela ukuthi ezinye izinsizakalo zokukhokha zamaselula zikhokhisa izimali zokuthengiselana. Iningi likhululekile ngempela kodwa khumbula ukucwaninga amawebusayithi achazwe ngezansi ukuze uqaphele izinqubomgomo zabo zakamuva mayelana nemali yokuthengiselana.
Yiziphi Izinkokhelo Zamaselula?
Kunezinhlobo ezihlukahlukene zezinhlelo zokukhokha zeselula ezisebenza kancane kancane. Abanye bangase bafune ifoni yakho ibe yilapho enye idivayisi ithola inkokhelo, njengenkokhelo yokuxhumana eduze (field) (NFC), kanti abanye basebenzisa i-intanethi kuphela.
Izinhlelo eziningi zokukhokha zamaselula zingabonakala kwenye yalezi zigaba:
- Ukuthengwa kwansuku zonke: Uhlobo olulodwa lokukhokha mobile lwenzeka noma yikuphi lapho ukhona, njengasekhaya. Ungakwazi ukuvula uhlelo lokusebenza efonini yakho bese ukhokha noma ubani nganoma yisiphi isizathu oyifisa: uhlukanise umthethosivivinywa, uthumele isipho semali, ubuyisisele othile okuthile abakwenzele kona, njalonjalo. Imali ivame ukuthathwa ngqo kusuka e-akhawuntini yakho yasebhange, kodwa ezinye izinsizakalo zikuvumela ukuthi ubambe imali "esikhwameni seselula" sokudluliselwa okusheshayo.
- Izinkokhelo zokuthengisa (POS): Lokhu kwenzeka endaweni othenga ngayo inkonzo noma okuhle. Izitolo eziningi zinezinhlelo zokukhokha ze-POS ezisezingeni eliphezulu ezenza kube lula kakhulu ukuthepha nje ifoni yakho kumfundi wekhadi noma cindezela inkinobho efonini yakho ukuze ukhokhe ngokushesha.
- Izinkokhelo zamaselula ezivaliwe: Lezi zinhlobo zezinkokhelo zeselula zicaciswe inkampani. Isibonelo, i-Starbucks ikuvumela ukuba uthenge noma yikuphi kusuka kwimenyu yabo usebenzisa ifoni yakho, futhi ungakwazi ngisho nokweqa umugqa esitolo bese uya ngqo kumzila othize we-mobile ukuze ulandele ngokushesha i-oda lakho.
- Izinkokhelo zezinkampani: Njengoba yonke ifoni yokukhokha ephathekayo isebenzisa umthumeli weselula, ezinye izinsizakalo zikhona ezikuvumela ukuba ukhokhe izinto ezivela efonini yakho kodwa empeleni kufanele ukhokhe uze uthole umthamo wakho wefoni yeselula. Lezi zikhathi ezithile zibonwa ngeminikelo ongayenza ngaphezu kombhalo.
- Umfundi wekhadi leselula: Ezinye izinkampani zinikeza idivayisi encane exhuma efonini noma kuthebulethi yakho engasetshenziselwa ukwamukela izinkokhelo ezivela kwi-debit noma ikhadi lesikweletu. Lokhu kuphelele kumabhizinisi amancane noma ngisho nabantu abamukela izinkokhelo ekuhambeni.
Izinhlelo Zokukhokha Zamaselula
Izinhlelo zokusebenza zezinkokhelo zamaselula zikhishwa kuma-platforms amakhulu esitolo sezinhlelo zokusebenza sonke isikhathi. Indlela yokukhokha iba ethandwa kakhulu kangangokuthi amanye amafoni abuye abe nesici sokukhokha mobile esakhiwe ngqo kudivayisi.
Apple Pay. I-Apple Pay isebenza nge-iPhone, iPad, ne-Apple Watch. Uma uhlelo lwe-POS lusekela i-Apple Pay, uma usulungele ukuhlola, ungasebenzisa ikhadi lakho lesikweletu noma le-debit elikhokhelwe ukukhokha nje ngokucindezela okusheshayo kweminwe yakho noma inkinobho ohlangothini ekubukeni kwakho. Amakhompiyutha e-Mac angasebenzisa i-Apple Pay, futhi.
Njengoba umfundi wezinhlamvu zeminwe asetshenziselwa ukuqinisekiswa, uhlelo lokusebenza lwe-App kanye nezinhlelo zokusebenza zezinkampani zangaphandle zikuvumela ukuthi ukhokhe izinto usebenzisa ulwazi lwakho lwe-Apple Pay kanye neminwe yakho yeminwe egcinwe . Awudingi ukuqinisekisa usuku lokuphelelwa isikhathi ekhadini lakho, faka ikhodi yokuphepha, noma wenze noma yini enye kusukela lonke ulwazi olugcinwe kudivayisi yakho.
I-Apple igcina uhlu lwazo zonke izindawo ezisekela i-Apple Pay. Ungathola ukwesekwa kwe-Apple Pay kokudla, amahhotela, izitolo zokudla, nokuningi.
I-Samsung Pay ne-Android Pay. Ngokufanayo ne-Apple Pay yi-Samsung Pay, esebenza ngamadivayisi we-Samsung Galaxy (uhlu olugcwele lwamadivayisi asekelwe). Ngaphezu kokugcina amakhadi asebhange angama-10 avamile, i-Samsung Pay ihlanganiswa namathani abathengisi ukuze ukwazi ukugcina nokukhokha ngenani elingenamkhawulo lamakhadi wesipho. I-Android Pay insiza etholakalayo kuwo wonke amadivaysi e-Android angatholakali, atholakala ku-Google Play. Vele ufake ifoni yakho eduze ne-Samsung Pay noma i-Android Pay ukugcina ukuze umfundi we-NFC axhumane nemininingwane yakho yokukhokha.
Izinhlelo zeBhange. Amabhange amaningi akuvumela ukuthi udlulisele imali kwabanye abasebenzisi bebhange elifanayo. Ngezinye izikhathi lesi sici sitholakala ngaphakathi kohlelo lokusebenza lweselula. I-Bank of America, i-Simple, i-Wells Fargo ne-Chase yizibonelo ezimbalwa nje kuphela, kodwa abanye abaningi basebenza ngendlela efanayo.
Lezi yizinhlelo zokusebenza zangempela zebhange ezikuxhumanisa ne-akhawunti yakho nebhange. Kufanele uhlele i-akhawunti yokulondoloza noma yokuhlola ukuze uwasebenzise, emva kwalokho ungasebenzisa lawo ma-akhawunti ukuthumela imali noma ukuqoqa imali kwabanye. Wonke amabhange amane angenza lokhu ngokusebenzisa izinhlelo zokusebenza zabo zeselula.
Uma ibhange lakho lingasisekeli ukudlulisela imali kumuntu osebenzisa ibhange lakho elifanayo, noma abasebenzisi ibhange elifanayo kodwa namanje ufuna ukuthumela imali kubo, ungasebenzisa uhlelo lokusebenza lwe-nonbank ukwenza ukudluliswa kweselula.
Izinhlelo zokusebenza ze-Nonbank. Lezi yizinhlelo zokusebenza ezingekho amabhange ngokweqile kodwa zikuvumela ukuthi udonsa imali ebhange lakho ngezinkokhelo zeselula noma ugcine imali kuhlelo lokusebenza ukuze ukwazi ukudlulisela imali ngokushesha kwabanye abasebenzisa uhlelo lokusebenza olufanayo.
I-Square Cash yamahhala ikuvumela ukuba uthumele imali ngqo kwi-akhawunti yomuntu yasebhange ngaphandle kwemali. Kulula njengokukhetha inani lokuthumela noma ukulicela, bese ulithumela phezu kwe-imeyili noma umbhalo. Ungakwazi ukugcina imali kuhlelo lokusebenza ukuze ikwazi ukungena ku-akhawunti yomunye umuntu ngaso leso sikhathi, emva kwalokho ingayigcina imali lapho iphinde isebenzise ezinye ukudluliselwa, noma ithuthe imali ebhange layo.
I-PayPal enye insizakalo yokukhokha yeselula ethandwa kakhulu njenge-Cash Square, lapho ungathumela khona noma ucele imali kusuka kuhlelo lokusebenza futhi ugcine imali ku-akhawunti ngokudluliselwa okusheshayo. Ungakwazi ngisho ukhokhe nge-akhawunti yakho ye-PayPal kwezinye izitolo.
Izinkokhelo zamaselula zinikelwa yi-Google futhi, nge-Google Wallet. Engeza imali ku-akhawunti yakho yakwa-Google Wallet ngemizuzwana bese uyithumela kunoma ubani. Konke okumele bakwenze ukufaka imininingwane yabo yasebhange ukuyithola. Khetha indlela yokukhokha okuzenzakalelayo ne-Google izodlulisela ngokuzenzekelayo yonke imali engenayo ebhange. Kuyisisekelo uhlelo lokusebenza lokudlulisela ebhange, ne-Google ukuxhumanisa imininingwane.
I-American Express Serve ifana nalezi ezinye izinsizakalo ngenzuzo eyengeziwe yokusebenzisa amafomu okukhokha okukhokhwa ngaphambilini kanye nokwazi ukwakha ama-akhawunti.
I-Snapchat ne-Facebook Messenger kungenzeka ukuthi ingabi umcabango wakho wokuqala uma kuziwa ngezinkokhelo zamaselula, kodwa kokubili lezo zinhlelo zokusebenza zikuvumela ukuthi uthumele imali kubangani bakho be-Snapchat noma i-Facebook. Kulula njengokubeka inani le dollar emlayezo wombhalo, bese uqinisekisa imininingwane yakho yokukhokha.
Ezinye izinhlelo zokusebenza zokukhokha ezihamba phambili zifaka i-Venmo, i-Popmoney, ne-Blockchain (okuthumela / ukuthola i-Bitcoin).
Abafundi bekhadi leselula. Isikwele, inkampani efanayo egijima isevisi ye-Cash okukhulunywe ngenhla, iphinde ikuvumele ukuthi wamukele izinkokhelo ezivela kumakhadi ngokusebenzisa idivayisi yabo yamahhala ye-Square Reader ehlangene nengxenyeni yekhanda lekhanda. Imali iqhutshwa ngokusebenzisa uhlelo lwe-POS.
I-PayPal inomfundi wayo wekhadi wamahhala obizwa ngokuthi i-PayPal Lapha, njengoba kunjalo naku-PayAnywhere.
Uma ufuna ukuthengiselana kahle kuhlelwe nge-akhawunti yakho ye-QuickBooks, ungase ukhethe i-QuickBooks GoPayment.
Okubalulekile: Zonke lezi zinsizakalo zikhokhisa izimali ngokuthengiselana noma ngezinkokhelo zonyaka noma zenyanga, ngakho qiniseka ukuthi ubheka kuzo zonke izixhumanisi ngemininingwane ephezulu kakhulu.
Ukukhokhwa kwe-Carrier Bill and Payed Loop Mobile Payments
Mhlawumbe inzalo encane kubantu abaningi yizinkokhelo zokukhokhela izinkampani ezikhokha ngqo. Ngezinye izikhathi uma uthenga uhlelo lokusebenza noma iringithoni yefoni yakho, isevisi izokwengeza inani lemali ekhokhwayo yefoni yakho. Lokhu kuwumkhuba ovamile uma wenza iminikelo, kufana ne-Red Cross.
Izinkokhelo zamaselula ezivaliwe zenzeka uma izinkampani zidala uhlobo lwazo lokukhokha, ezifana ne-Walmart, i-Starbucks, iTaco Bell, i-Subway ne-Sonic. Ngayinye yalezi zinhlelo zokusebenza ukukhokha imali ekhokhwayo kusuka efonini yakho, noma ngaphambi kwesikhathi noma uma uthola i-oda lakho.