Yiziphi Izinkokhelo Zontanga Nontanga (P2P)?

Izinkokhelo zontanga zentanga njenge-Google Wallet ziye zahamba ngokujwayelekile

Le nkulumo, izinkokhelo zontanga (noma izinkokhelo ze-P2P), ibhekisela endleleni yokudlulisela imali kusuka komuntu oyedwa kuya kwesinye ngaphandle kokubandakanyeka ngqo komuntu wesithathu.

Izinhlelo zokusebenza eziningi zebhange ze-smartphone zisekela ukusebenza kwe-P2P ngendlela yokudluliselwa kwe-akhawunti yasebhange. I-movers enkulu emkhakheni we-P2P nakuba yizinkampani eziningi ezifana ne- PayPal , i- Venmo ne-Square Cash eziye zaqala futhi zigxila ngokuphelele ekuwenzeni kube lula, ngokushesha futhi ezishibhile kubasebenzisi bazo ukuba bathumele imali komunye nomunye kunomdabu amabhange.

Izinhlelo zokusebenza eziningi zokuxhumana nabantu kanye nokuthumela imiyalezo seziqalile ukunikeza amasevisi wokukhokha we-P2P.

Ngesikhathi Abantu Basebenzisa Izinhlelo ze-P2P?

Izinhlelo zokusebenza zokukhokha zontanga zingasetshenziswa ukuthumela izimali kwabanye abantu nganoma yisiphi isizathu nganoma yisiphi isikhathi. Ezinye zezizathu ezithandwa kakhulu zokuzisebenzisa ziwukuba uhlukanise umthethosivivinywa endaweni yokudlela noma ukunika imali ilungu lomndeni noma umngane.

Amabhizinisi amaningi avumela ukukhokha kusuka kwezinye izinhlelo zokusebenza zokukhokha ze-P2P ukuze nazo zisetshenziselwe ukukhokha inkonzo noma umkhiqizo. Qaphela ukuthi akuyona yonke izinhlelo zokusebenza zokukhokha ezisezintweni ezisekela ukuthunyelwa kwemali kontanga. I-Microsoft ye-Microsoft Wallet iyisibonelo esisodwa sensiza yeselula engasetshenziswa ukuthenga ngaphakathi kwesitolo kodwa ayikwazi ukudlulisela imali komunye umuntu.

Ingabe i-Venmo kanye nezinye izinkokhelo zontanga ziphephile?

Awekho ubuchwepheshe obuphephile ngokuphelele ekuphuleni kokuphepha ngakho kubalulekile njalo ukufunda izibuyekezo zohlelo lokusebenza nocwaningo ngaphambi kokulanda. Ngokuvamile, inkulu inkampani ngemuva kohlelo lokusebenza, izinsizakalo eziningi kanye nesikhathi ababeka kuzo ekuthuthukiseni ukuphepha nokusebenza. Kuyaqondakala ngokuphelele ukusola izinhlelo zokusebenza zokukhokha zontanga ngokuzihlola ezimbalwa futhi akukho ukufakwa kwezindaba.

Njalo cwaninga uhlelo lokusebenza thouroughly ngaphambi kokusebenzisa it. Ikakhulukazi uma uhlela ukuyisebenzisa ukuphatha imali yakho.

Indlela Yokuvikela Izinhlelo zakho ze-P2P

Inengozi enkulu yokuphepha kwe-P2P yokulondoloza uhlelo lokusebenza ngokuvamile akuyona ikhodi yohlelo lokusebenza noma inkampani ngemuva kwayo kodwa umsebenzisi angathathi izinyathelo ezifanele ukuvikela ulwazi nolwazi. Nansi indlela yokwenza izinhlelo zakho ze-P2P ziphephe ngangokunokwenzeka.

1. Sebenzisa Iphasiwedi Eyingqayizivele: Njengezo zonke izinsizakalo ze-intanethi, kubalulekile ukuvikela i-akhawunti yakho yokukhokhelwa kontanga ngephasiwedi eqinile engenawo amagama futhi isebenzise inhlanganisela yamanani aphezulu naphansi, izinhlamvu nezimpawu. Kumele futhi ugweme ukusebenzisa iphasiwedi efanayo kumasevisi angaphezu kweyodwa ngoba uma omunye wabo ehlaselwa, wonke ama-akhawunti akho ahlehliswa.
2. Sebenzisa ikhodi ye-PIN eyingqayizivele: Ikhodi ye-PIN yenombolo ingase ibe yindlela ozikhethela yona kodwa inconywa kakhulu ukuba uyinike amandla futhi, njengephasiwedi yakho, yenza kube yinto ehlukile kuhlelo lokusebenza ngalunye noma isevisi.
3. Vumela i-2FA: 2FA, noma ukuqinisekiswa kwe-2-factor , ingqimba eyengeziwe yokuphepha edinga okokufaka kolwazi lokungena olwengeziwe ngaphambi kokufinyelela kuhlelo lokusebenza. Izibonelo ze-2FA yizinhlelo zokusebenza ze-Google noma ze-Microsoft zokuqinisekisa noma zinekhodi entsha ehlukile ye-PIN eyenziwe ngomyalezo we-SMS. Akuzona zonke izinhlelo zokusebenza ezisekela i-2FA kodwa kufanele zinikezwe amandla uma zitholakala, ikakhulukazi uma usebenzisa uhlelo lokusebenza olukwazi ukuthola imali yakho.
4. Nika amandla izaziso ze-imeyli: Izinhlelo eziningi ze-P2P zinokukhethwa kukho kuzilungiselelo lapho, uma kunikwe amandla, kuzokuthumela i-imeyili njalo imali esithunyelwa kusuka ku-akhawunti yakho. Lena indlela elula futhi elula yokuhlala usesikhathini emsebenzini we-akhawunti yakho.

1. Hlola umlando wakho wokuThengana: Enye indlela yokuqinisekisa ukuthi uhlelo lwakho lokubuka oontanga noma i-akhawunti ehlobene livikelekile ukuhlola umlando wakho wokuthengiselana njalo njalo. Irekhodi yazo zonke izinkokhelo zakho ezithunyelwe futhi ezitholiwe kufanele zibukwe ngaphakathi kohlelo lakho lokusebenza.
2. Hlola kabili ikheli le-Payee: Akukho lutho olubi kunokuba ulinde ukuthengiselana ukuze uthole ukuthi imali yakho ithunyelwe kumuntu ongalungile. Kungakhathaliseki ukuthi usebenzisa igama lomuntu, ikheli le-imeyli, noma ukungena kwencwadi yeselula ukuthumela i-P2P, hlola njalo ukuthi ulwazi lulungile.

Yiziphi izinhlelo zokusebenza zokukhokha ezitholakalayo?

I-PayPal, i-Cash Square, ne-Venmo igxile ekuthumeleni kuphela imali phakathi kwabasebenzisi futhi iyathandwa kakhulu kokubili kokuthengelana nokuhweba kwebhizinisi.

I-Google ne-Apple zenze izinhlelo zabo zokukhokha zokuqala, i- Google Pay ne- Apple Pay Cash . Bobabili basebenzisana nama-Smartphones kanye namaphilisi enkampanini futhi angasetshenziswa ukwenza izinkokhelo kumuntu noma athumele imali kubathintana nomsebenzisi. Isevisi yokuthumela imilayezo ye- Apple isekela i-Apple Pay Cash futhi ivumela abasebenzisi bayo ukuba bathumele izimali ngokuqondile ngaphakathi kwengxoxo yombhalo.

I-Facebook isiqalile nokuhlola izinkokhelo ze-P2P ne-app yayo yokuxoxa, i-Facebook Messenger , kubonakala sengathi idonsela ugqozi kusuka ku- WeChat no- Line abaye babusa izimakethe zabo zokukhokha ezisekhaya zasekhaya zaseChina naseJapane nge-WeChat Pay and Line Pay. Uma uzwa ngokuthandwa okungajwayelekile kokuthengwa kwe-mobile e-Asia, i-WeChat ne-Line cishe iyingxenye yengxoxo.