Ukuvela kobuchwepheshe bokukhokha okungenamsebenzi
Ubuchwepheshe bokukhokha oxhumana nabo buguqule indawo yokuthengisa, ukuhlinzeka ngokulula kanye nesivinini sabo bobabili abathengi namabhizinisi. Njengoba ukufunwa kokuthengiselana okusheshayo nokusebenza kahle kuyaqhubeka ukukhuphuka, okuthe xaxa, abakhiqizi, kanye namafekthri bamukele ngokwengeziwe izinhlelo ezingenakuxhumana. Ukusuka ekuqaleni kwayo kusetshenziswa ubuchwepheshe beRadio Frequency (RFID) kubuchwepheshe bamanje be-Field Communication (NFC), izinhlelo ezingenamsebenzi zibe zibalulekile ekunciphiseni ukuthintana ngokomzimba, ikakhulukazi ngezikhathi zokukhathazeka ngempilo.
Ukuphakama kwezinkokhelo ezingenamsebenzi
Imininingwane evela eminyakeni yamuva ikhombisa ukwanda okukhulu kokutholwa kokukhokha okungenamsoco. Ngo-2021, ngaphezulu kwama-53% okuthengiselana okungama-53 kwenziwa ngezindlela zokuxhumana, gxuma okukhulu kusuka kuma-37% ngonyaka ka-2019. Lokhu kuguqulwa kuqhutshwe ngokuyinhloko ngokuthandwa kwabathengi ngokuthengiselana okusheshayo, okusekelwa ukwesekwa okuphelele kanye nokwesekwa komenzi.
Izithuthukisi zezobuchwepheshe ngokuhamba kwesikhathi
Intuthuko yezobuchwepheshe efana nokuqinisekiswa kwedatha enamandla (DDA) kanye noTokenization baye bavikelekile izinkokhelo ezingenamxhumana. Lezi ezintsha ziye zaba nesandla ekuqiniseni abathengi namabhizinisi ngokufanayo ngokwethembeka kohlelo.
Izici zokuphepha zeI-TOPLELELELET POS ukuphelas
Ama-terminals angenakuxhumana ahlome ngesimo - kwe - The - Izinyathelo zezobuciko zokuvikela idatha yomsebenzisi futhi zivikele inkohliso. Lezi zinhlelo zenzelwe ukubhekana nezinkinga ezandayo ezihambisana nokuphulwa kwedatha nokufinyelela okungagunyaziwe.
Ukubethela kanye no-tokenization
Ukuthenga ngakunye okungenamqondo kwakha ithokheni ebethelwe oyingqayizivele, eqinisekisa ukuvikelwa kwemininingwane ebucayi. Le datha ebethelwe ayisebenzi kubaduni, bengeza ungqimba oluqinile lokuphepha. Amafektri nabakhiqizi bamukele lobu buchwepheshe ukuthuthukisa ukuphepha kokukhokha kumanethiwekhi abo.
Ukuqinisekiswa kwedatha enamandla (DDA)
I-DDA idala ikhodi yokuthenga eyingqayizivele yokukhokha ngakunye, ukuvikela ukusetshenziswa okungagunyaziwe noma ngabe ukusungulwa kwedatha kwenzeka. Lobu buchwepheshe buyingxenye ebucayi ngohlaka lokuphepha kwezinkokhelo ezingathintwayo.
Ubungozi kanye nobungozi ezinkokhelo ezingenakuxhumana
Naphezu kwezinzuzo zabo, amasistimu wokukhokha angenayo awavikelekile ebungozini. Izifundo zakamuva zikhombisile ukuthi izikhalazo zokukhwabanisa kwamakhadi ezingathintwayo zikhuphuke kakhulu phakathi kuka-2018 no-2021, ziqhutshwa ukusetshenziswa kabi kwamakhadi ngaphandle kwamaphrothokholi wokuphepha.
Amandla okusebenzisa kabi
Ukukhululeka kwemali ekhokhwa ngokuxhumana, okuvame ukungadingi ukuqinisekiswa kwe-PIN ngokuthengiselana ngaphansi kwemingcele ethile, kuye kwaxhashazwa yizigebengu zisebenzisa amakhadi alahlekile noma antshontshiwe. Kwezinye izimo, abanikazi bamakhadi abazi ukuthi basebenzise kabi baze babuyekeze izitatimende zabo ze-akhawunti.
Ukuhlukaniswa kwe-skimming kanye nedatha
Ukukhwabanisa kungasebenzisa amadivaysi angemthetho ezindaweni ezinabantu abaningi ukuze skim idatha kusuka kubantu abangafanele. Yize imininingwane etholakele ivame ukukhawulelwa, isengasetshenziselwa eminye imisebenzi enonya, igqamisa isidingo sokuthuthuka okuqhubekayo kwezokuphepha.
Qhathanisa ukuxhumana nabantu ngamakhadi we-EMV chip
Kokubili amakhadi we-chip axhumana naye angaxhumana nawo anganikezwa ukuphepha okuqinisile kuqhathaniswe namakhadi we-magnetic magnetic strip. Kodwa-ke, kunomehluko ohlukile ezindleleni zabo zokuphepha kanye nesipiliyoni somsebenzisi jikelele.
Ukuphepha Kwezokuphepha - Kuvaliwe
Amakhadi we-EMV chip adinga ukuthintana ngokomzimba ne-terminal futhi avame ukudinga ukungena kwe-PIN, abenze bavikeleke kancane ngokuya ngokuqinisekiswa komsebenzisi. Ngokuphambene
Izintandokazi zabathengi kanye nemiphumela yebhizinisi
Ucwaningo lukhombisa ukuthandwa okukhulayo kwabathengi ngezinkokhelo ezingenamsebenzi ngenxa yejubane labo kanye nokusebenziseka kalula. Ngenxa yalokho, amabhizinisi, kufaka phakathi abathengisi kanye nabakhiqizi, bavumelanisa nezinhlelo zabo ukuze bakwazi ukubheka lokhu okuthandayo ngenkathi begcina amazinga okuphepha aqinile.
Ukubhekana nemibono eyiphutha ngokuphepha okungenamqondo
Imibono eyiphutha mayelana nezinkokhelo ezingathintwayo zivame ukunqanda abasebenzisi abangahle batholele lolobu buchwepheshe. Kubalulekile ukubhekana nalezi zinto ezikhathazayo ukukhuthaza ukwamukela nokusetshenziswa kwayo okusabalele.
Izinganekwane zokuhola nge-elekthronikhi
Abaningi besaba ukuthi izigebengu zikwazi ukufinyelela kalula imininingwane yokukhokha engenamsebenzi, kepha ubungozi bunganakwa uma kuqhathaniswa nokweba amakhadi omzimba. Imithethonqubo eqinile nezindlela zokubethela eziyinkimbinkimbi ziqinisekisa ubungozi obuncane obuvela ku-pickpocketing elektroniki.
Isikweletu sokuthengiselana ngenkohliso
Izikhungo zezezimali zinezinqubomgomo zokubuyisa abanikazi bamakhadi ngokuthengiselana okungagunyaziwe, baphinde banciphise ubungozi obuhambisana nezinkokhelo ezingenamsebenzi. Ukuthengiselana okuningi ngenhla kwenani elithile kudinga ukungena kwe-PIN, engeza elinye ungqimba lokuvikelwa.
Indima Yezikhungo Zezimali Ekuqinisekiseni ukuphepha
Izikhungo zezezimali zibamba iqhaza elibalulekile ekugcineni ukuphepha kwezinhlelo zokukhokha ezingenamsebenzi. Batshala imali enkulu kubuchwepheshe obuthuthukile kanye nezinqubo zokuvimbela inkohliso ukuvikela idatha yomsebenzisi.
Ukuqapha okuqhubekayo nokuvuselelwa
Imizimba yezezimali iqhubeka nokuqapha amaphethini okuthenga ukuthola ama-Anomalies futhi uvikele inkohliso. Ukuvuselelwa okujwayelekile kwimigomo yezokuphepha kuqinisekisa ukuthi ubungozi bubhekwa ngokushesha, ukugcina i-ecosystem yokukhokha iphephile.
Imfundo yabathengi nokusekelwa
Amabhange nezikhungo zezezimali ziyizinto ezibalulekile ekufundiseni abathengi mayelana nemikhuba emihle yokusebenzisa izinkokhelo ezingenamsebenzi. Lokhu kufaka ukuholwa ngomsebenzi wokuqapha i-akhawunti nokubika ngokushesha noma yikuphi ukuthengiselana okusolisayo.
Ama-Wallet Mobile njengenye indlela ephephile
Ama-wallets eselula aqhamuke njengenye indlela evikelekile yezinkokhelo ezingenakuxhumana, esebenzisa izindlela zokuphepha ezithuthukile ezifana nama-biometric kanye noPoometization.
Izici Zokuphepha Ezithuthukisiwe
Izici ezinjengokuqashelwa kweminwe nobuso bobuso zinikezela ngesendlalelo esengeziwe sokuphepha, okwenza ama-wallets eselula akhethelwe abasebenzisi abaningi. Lawa ma-wallet nawo asebenzisa i-tokenization, lapho imininingwane yekhadi ithathelwa indawo ngesikhombi esiyingqayizivele.
Ukulinganiselwa nokucatshangelwa
Ngenkathi ama-wallets eselula anikela ngokwanele ukuphepha, ancike ekusebenzeni kwensiza yeselula nokwamukelwa ngabathengisi, agqamisa ukubaluleka kokuba namakhadi e-backup njenge-backup.
Imikhuba emihle yabathengi yokusetshenziswa okuphephile
Abathengi bangathatha izinyathelo eziningana ukuthuthukisa ukuphepha kokuthengiselana kwabo okungenamsoco. Lezi zinyathelo zisiza ekunciphiseni ubungozi futhi kuqinisekiswe ukusetshenziswa okuphephile kwezinkokhelo ezingenamsebenzi.
Ukuqapha i-Akhawunti ejwayelekile
Ukuhlola izitatimende ze-akhawunti njalo nezibonisi zokuthenga kungasiza ukuthola imisebenzi engagunyaziwe kusenesikhathi, ivumela ukubikwa okusheshayo nokuncishiswa kokulahleka okungaba khona.
Ukuphathwa kwamakhadi athembekile
Ukuvikela amakhadi omzimba futhi kunciphise ukuvezwa kwabo ezikhaleni zomphakathi kunganciphisa kakhulu ingozi yokwebiwa. Sisebenzisa amakhadi amakhadi noma i-RFID - Ukuvinjwa kwama-wallets kunezela isendlalelo esengeziwe sokuphepha.
Intuthuko yesikhathi esizayo ekuvikelekeni kokukhokha okungenamsebenzi
Ikusasa lezinkokhelo ezingathintwayo lithembisa ukuphepha okukhulu njengoba ubuchwepheshe buyaqhubeka nokuvela. Abaphenyi kanye nabathuthukisi bahlola izindlela ezintsha zokuthuthukisa izici zokuphepha zabathengi namabhizinisi.
Ubuchwepheshe obuqhamukayo
Intuthuko enjengokuqinisekiswa kwe-biometric, ama-algorithms athuthukisiwe wokubhala, kanye namasu okufunda ngomshini athuthukisiwe azodlala indima enkulu esizukulwaneni esilandelayo sezinkokhelo ezingathintwa.
Ukuthuthukiswa Okulawulayo
Izidumbu zokulawula zomhlaba wonke zikhula njalo futhi zivuselela amazinga okuqinisekisa ukuphepha nokuvikeleka kwezinhlelo zokukhokha ezingenamsebenzi, ukuhlinzeka ngohlaka lwezithuthukisi eziqhubekayo.
Ukulinganisa lula nokuphepha ezinhlelweni ezingenakuxhumana
Ngenkathi amasistimu wokukhokha axhumana nawo anikela lula okungenakuqhathaniswa, kubalulekile ukuze ulondoloze ibhalansi ngezinyathelo zokuphepha. Okugcwele, abakhiqizi, kanye namafekthri kufanele bahlole futhi bathuthukise izinhlelo zabo zokukhokha ukuze baqinisekise ukusebenza kahle nokuphepha.
Ukwethembana kwabathengi nokwamukelwa
Ukwakha Ukuthenjwa Kwabathengi kubalulekile ekwandisweni okusabalele kokukhokha okungenamsoco. Ngokusebenzisa imigomo yokuphepha eqinile, amabhizinisi anganikeza abasebenzisi ngokuzethemba ukwamukela lobu buchwepheshe ngokugcwele.
Ukuqamba okuqhubekayo nokuthuthuka
Njengoba amasistimu wokukhokha angenakuxhumana avela, ukuqhubeka kokuqamba kanye nokwenza ngcono kwezindlela zokuphepha kubalulekile ekubhekaneni nezinsongo ezivelayo kanye nokuqinisekisa ukuphepha kokuthengiselana komhlaba wonke.
GolongHlinzeka ngezixazululo
I-GoLong inikeza izixazululo ezibanzi zokuthuthukisa ukuphepha kanye nokusebenza kahle kwezinhlelo zokukhokha ezingenakuxhumana. Isimo Sethu - Kwe - The Technology Technology iqinisekisa ukuthengiselana okuphephile kwamabhizinisi wonke osayizi, kusuka kubakhiqizi abasebenza nabo abakhiqizi kanye namafektri. Ukubethelwa okuthuthukile kukaGolong, i-tokenization, kanye nezici ze-biometric zinikeza izinga lokuphepha elingenakuqhathaniswa, ekhuluma nezinselelo zesimanje zokuphepha ngempumelelo. Uzakwethu nge-golong ukuthuthukisa ukuphepha kohlelo lwakho lokukhokha kanye nokwethembana, uqinisekise ukuthengiselana okungenamthungo kanye nokuphepha kwebhizinisi lakho kanye namakhasimende.
