Roba cards sun dade bangare na rayuwar mu. Kananan, m biyan bashin kayan aiki, wanda daukar kusan ko ina a duniya. Har ila yau sosai lafiya. Dole ne mu tuna da wani fil code kuma tabbatar da cewa katin bai aka rasa, ko da aka sace CVV ɗin kuma, misali, biya domin sayayya a cikin online store. Amma akwai wani madadin bayani - PayPass. Mẽne ne da kuma yadda za a yi amfani da wannan kayan aiki, za ka koya daga wannan labarin.

definition

PayPass - wannan contactless biyan bashin fasahar ta wajen na banki katunan MasterCard. Domin biya isa ya yi katin tare da wani microprocessor a cikin m. Wannan ne PayPass fasaha. A gaskiya, da katin ne mai guntu tare da eriya. A Taiwan, da Amurka, Spain da kuma Turkey MasterCard PayPass microprocessor saka a Watches, wayoyin hannu da kuma sauran abubuwa da cewa wani mutum daukawa da shi a kowace rana.

Wannan kafaffen biya tsarin sa mai sauki, sauri da kuma hadari a gudanar da kananan sayayya. Yanzu, a lokacin biyan bashin babu bukatar su sha wahala tare da cuts, jawabin da katin ta hanyar da m, hannu cak. Mai amfani kawai taba musamman m. PayPass fasaha ne da amfani sosai a fannin cinikayya a kaya tare da low cost da kuma high ma'amala kudi. Amma domin ta m ci gaba a nan gaba shi wajibi ne a karfafa aminci da ayyukan.

Tarihi na ci gaba

A shekarar 2003, MasterCard 9 months na gwada yin amfani da contactless fasaha a Orlando, Florida. A 60 daban-daban da maki masu amfani biya 16 dubu maps. A layi daya kamfanin yi aiki ta hanyar da karfinsu da Nokia, JPMorgan, AT & T domin gabatarwar PayPass cikin wayoyin hannu. 50 milyan naúrar da aka samar a 2008. A wannan gaba, 77% na masu amfani amfani contactless fasahar matsayin farko wajen biya. By 2010, PayPass aka kaddamar a Bulgaria da kuma Slovakia, a cikin hannãyenku daga cikin masu amfani da aka miliyan 75 cards, wanda ya dauki 230 dubu tashoshi. Bisa ga rahoton kudi na kamfanin for shekara ta 2012, samar girma ya karu da 50% saboda girma a yawan masu amfani da dukan Turai. PayPass katunan yau al'amurran da suka shafi da Rasha Savings Bank da kuma Privat a Ukraine.

Yana bai bayyana da m na PayPass

Abin da ake nufi? Contactless ma'amaloli ne da amfani ga duk kasuwa mahalarta: masu amfani, kasuwanci da kamfanonin da bankunan. Cibiyoyin kudi na samar da abokan ciniki tare da mafi yawan biya hanyoyin, issuers - wani karuwa a asusun da kambun biyayya katin shirye-shirye. Wannan fasahar za su iya ci gaba da wani bashi, zare kudi, co-saka alama da sauran shirye-shirye.

Ciniki da kungiyoyi, wanda shigar PayPass m iya sabis ɗin ta abokan ciniki a wani sabon matsayi. Rage yawan ayyukan da tsabar kudi da sabis accelerates da tsari da kuma tabbatar da wadata. A farko da manyan kamfanin cewa fara amfani da MasterCard PayPass, - shi ne McDonald ta. Ba da da ewa, ban sha'awa a cikin sabon fasahar zo a cikin 'yan wasa da kuma golfers. A contactless tsarin yanzu amfani da turnstiles, makõmarku inji, da dai sauransu

PayPass: inda dauka da kuma saki a Rasha

A farko contactless biyan bashin a cikin Rasha Federation da aka gudanar 09.09.08 a Moscow gidan cin abinci "Biyar Star". A farko da katin da aka bayar PayPass Industrial Bank a 2010. Yana da aka shirya don saki mai raba katin edition ga dalibai da kuma malaman. Su za a iya amfani ba kawai ga manufar da aka nufa, amma kuma kamar yadda mai rikodin littafin da studbilet.

Tun shekarar 2011, a katin tare da wani Magnetic stripe da guntu ƙera "Raiffeisenbank". Its free ba abokan ciniki a karkashin "Premium" kunshin. Amma ga dole ne a mafi ƙarancin ma'auni na 2 da miliyan rubles. ko miliyan 1, idan a cikin wata daya za a jawabin da fiye da 25 da dubu. goga. Customers wanda ba bi da wannan yanayin zai zama wata-wata biya 3000 rubles.

Analogues a duniya

Contactless fasahar kuma zama a cikin Visa tsarin. PayWare - analogue PayPass. Abin da ake nufi? Visa da jcb Co. Ltd. rattaba hannu kan wata yarjejeniya a kan ci gaban MasterCard yarda a matsayin wani guda yarjejeniya, watau duk contactless fasahar za a gwada wa wannan makirci, tabbatar da karfinsu na duk brands.

Babban abũbuwan amfãni daga contactless biyan bashin:

• hanyoyin zamani na lissafi.
• duniya wajen biya - banki katin za a iya amfani ba kawai a kan sabon na'urorin, amma kuma a cikin da yawa ATMs da POS tashoshi.
• dogon sabis rayuwa;
• high gudun biyan bashin.
• kariya da zamba.

Amma akwai wani babban drawback - da rashin kayayyakin more rayuwa, da kudin na wanda shi ne don haka babban abin da ba bankunan kuma yan kasuwa ne a wani sauri da su zuba jari a cikinsa. A Birtaniya domin shekaru 3 da muka shigar tashoshi a kawai 10% na Stores.

PayPass: yadda za a yi amfani da

Godiya ga wani musamman guntu contactless katin biya za a iya sanya karami ba tare da Tantance mariƙin. Irin yadda ake gudanar iyakance zuwa 15 daloli a Amurka, 50 PLN Poland, 10 fam a Birtaniya a 1000 rubles - Rosiii. Ayyuka a kan mai yawa za ta yi shaida da sa hannu na samu, ko shigar da PIN-code. Amma ba dukan bankunan da aka yarda. Alal misali, a cikin Jamus da Austriya a cikin hali na mai ta'addi ba na biya zai yi a gudanar da wani al'ada lamba Hanyar.

MasterCard gabatar da zare kudi da kuma bashi PayPass. Yadda za a yi amfani da contactless guntu?

Bayan kowace ma'amala adadin kuɗin da aka biya daga banki ko lissafi. Tun da ba-lamba dangane, maimakon da katin za a iya amfani da su Label da RFID key fob, a smartphone da NFC, da sauransu. D. Kaya iya kawai biya a cinikin da maki tare da logo PayWave Visa, PayPass. The m ya tabbatar da hanya na karanta wani sauti sigina. Mai amfani ba shi da auku da katin a ba daidai ba hannun, shigar da PIN-code, hannu rajistan. Isa ya kawo ga m Wallet tare da katin. Ciki, a can ya zama babu sauran roba dako tare da wani guntu. A kasar Jamus, suna suna shigar da katin shaidar.

aminci

Contactless ma'amala significantly rage lokaci. Amma cikin sharuddan tsaro ba masu amfani da yawa tambayoyi. The RFID guntu iya zama partially mugun clone da katin a nesa na 2 cm. Wannan al'amari ya kira a cikin tambaya da cikakken maras lamba amfani.

PayPass ya hana kai tsaye karatu tare da RFID. A guntu ƙunshi bayani game da adadin da tsawon katin tushe, kuma shi ne bai isa su gudanar online ma'amaloli. Ga kowane ma'amala generated a daya-lokaci code. Idan muka ɗauka shi har da yin amfani da katin, za ka iya ƙirƙiri ta clone. A farko aikace-aikace na Kwafin code da aka amince, kuma maimaita asali sakamakon a dakatar da biyu dako. Ganin low ma'amala iyaka, katin cloning marasa amfani baki ɗaya.

Make mai yawa yadda ake gudanar da hannu m zai yi aiki ba. A yankunan da] imbin bayanan a kan irin wadannan ayyuka dole zo da wani izini cibiyar to bare ba su iya amfani da katin ba tare da izini ba. Irin wannan tsarin bincika kowane generated code da kuma gwada shi ga wani Kwafin. Ga cikakken bayani kariya ga duduba taswira, misali, kunsa da shi a tsare.

Inda ya yi amfani da MasterCard Mobile PayPass fasahar

A Moscow, St. Petersburg da kuma sauran manyan birane Rasha "contactless" da yawa da maki kamar yadda manyan kantunan, cafes, gidajen cin abinci, Pharmacy, gas tashoshin, shagon na gyaran gashi da kuma kama kamfanoni. Bugu da kari, wasu kungiyoyin rike hannun jari domin PayPass fasahar masu amfani. Ga misali, a arewacin babban birnin kasar har zuwa karshen Fabrairu, biya domin domin a ka fi so kofi shop a kan wani smartphone, za ka iya samun wani kofi a matsayin kyauta.

Recent labarai

Petersburg Metro tun Janairu 2015 ya fara yarda da contactless biya a duk turnstiles. Tare da biyan katin kuɗin da aka biya wani adadin daidaita da kudin tafiya jadawalin kuɗin fito. Don gudanar da wani fatauci iya kawai alluna bar kaya turnstile. Domin biya isa ya kawo da katin zuwa rawaya da'irar. A ƙarshe da fatauci a turnstile jũya blue.

Wajen biya iya yin watches Watch2Pay - da samfurin na banki "Ak Bars". Kawai a Kazan da yawan pre-umarni kasance fiye da dubu. Retail farashin da samfurin - 3000 rubles. Rasha Federation. Roba Agogon da dama versions (fari, baki, ja, blue) da babba kauri. Bayan clockwork Seiko Epson a su akwai kuma wani Ramin ga wani SIM-katin. Ya hada da classic contactless katin. Don kunna Agogon, kana bukatar ka aika musu da wata SMS tare da lambar katin.

A lokacin rani na 2014, za ka iya amfani da wani smartphone da NFC, domin ya biya hakkin jama'a kai. Don yin wannan, da sadarwarka bukatar samu musamman SIM-katin da pre-kai aikace-aikace. Domin biyan bashin kana bukatar ka kawo wayarka zuwa wani validator, wanda shi ne shugaba. A Metro aka shigar a cikin turnstiles. Za ka iya amfani da agogo a Kazan a matsayin izinin a cikin IT-shakatawa. Don yin wannan, a cikin entrances zuwa wasanni wuraren da aka saka Control tashoshi - infomats. Tatarstan na fiye da 150 raka'a.

summary

A roba katunan bayyana cancantar maye - PayPass. Mene ne wannan? Contactless fasaha, wanda yayi amfani da na'urar lokacin da yin biya tare da wani guntu da eriya. Don tabbatar da biyan bashin ba ya bukatar ka shigar da PIN ko hannu da cak. Just taba katin zuwa wani musamman m. Iyaka ga ayyukan da aka iyakance ta bayarwa banki, amma ba fiye da 1000 rubles a Rasha. Amfani da fasahar iya ba kawai ta hanyar da katin. Ba haka ba da dadewa ya bayyana Watch2Pay Agogon da wannan guntu 3000 rubles. Bugu da kari, smart phones da NFC, za ka iya biya domin tafiya a kan jama'a kai. Amma shi zai sayan katin SIM da musamman pre-shigar aikace-aikace. Cikakken ci gaba na fasaha hampered da rashin kayayyakin more rayuwa a cikin kananan garuruwa.