Kutheni ufuna ukuhlawula ngefowuni yakho? Ngaphandle kokupholisa, kukho izizathu ezinobulumko. Ukhuseleko ngowomnye wabo: amathuluzi okuhlawula asemaselula anganikela ukhuseleko olungaphezulu kuneemveli zamagqabini zamagqabini, ezinokuthi zithintele ukuphulwa kunye nokuphulwa kwedatha (nangona le nzuzo iya kuncipha njengoko amakhadi e-chip-kunye ne-PIN ayithatha).
Kananjalo ungakufumana kulula ukuhlawula ngefowuni; ukuba unjengabantu abaninzi, uya kuhlala unayo ifowuni yakho - ukuze ukwazi ukwenza ezininzi ngaphandle kokuphatha imali okanye amakhadi amaninzi.
Uhlawula njani ngefowuni? Ukucinga ukuba ufuna ifowuni yakho ithathe indawo yakho yangoku yokuchitha ngemali kunye nekhadi lesikweletu (kunye nakwimali) ngeendawo zezitena kunye nezidaka, eli phepha liya kukuxelela indlela yokwenza ngayo. Kodwa kukho ezinye iindlela zokwenza iintlawulo zekhompyutha ngefowuni yakho. Ngokomzekelo, unokuba ufuna ukuthumela imali kubangani okanye ukuhlawula isontraka-kwaye abo bantu abanakho iimali zokubhalwa kwemali yamakhadi okanye i-tap-to pay. Ezi ntlobo zezixhobo zokuhlawula eziphathekayo zidweliswe apha: Indlela yokuthumela imali .
Yintoni oya kuyidinga
Ifowuni ye-NFC: Ukwenza iintlawulo uzakufuna ifowuni kunye noLwazi lweNdawo yoLwazi oluPhezulu (NFC). I-NFC ivumela ifowuni yakho iqhagamshelane ne-intanethi yentlawulo yomthengisi ngamaza omsakazo. Izixhobo ezidumile kunye neNFC ziquka:
- I-iPhone 6 okanye entsha (kuquka i-Apple Watch)
- Iifowuni ze-Android ezenziwe kwiminyaka yamuva
- Izixhobo ezintsha zeWindows nee-Blackberry
Ukuba awuqinisekanga ukuba ifowuni yakho isebenza ne-NFC, khangela i-manual okanye uphendule kwiZixhobo zeefowuni.
Ikhredithi yefowuni: ukuchitha kunye nefowuni yakho, kufuneka ugcine ulwazi lokukhokha kwi-wallet yakho yeselula.
Oku kuthetha ukulayisha i-credit card okanye i-debit card ulwazi kwi-wallet (ngokuqhelekileyo ngokuyifaka okanye ukuthatha isithombe sekhadi) okanye ukudibanisa isikhwama kwenye i-akhawunti yentlawulo. Iifowuni ezihamba phambili ezihamba phambili ziquka
- I-Apple Pay , ebonisa inkqubo yokuhlawula igcina abathengisi ekuboneni iinkcukacha zakho zemali kunye nemali
- I-Google Wallet , efumaneka kwiixhobo ezininzi ezinokuthengwa
- I-Softcard , ekhoyo njengetyenziso, isebenza kunye neenkqubo zokunyaniseka kweentengiso kwaye iyakwazi ukujika amanye amadivayisi angenayo i-NFC kwiifowuni ze-NFC kunye netyala elikhethekileyo.
- I-Wallet kwi-Windows Phone , kubasebenzisi be-Windows Phone
Isiphelo seNFC: konke oku kusebenza kuphela xa umrhweba engamkela iintlawulo kwifowuni yakho yeselula. Ezinye iindawo azinazo izithuba ezifanelekileyo ezifakiweyo kubashibi (ubuncinane abangekho), kwaye basenokungazi ukuba bayamkela iintlawulo zeselula nokuba ngaba banezixhobo.
Indlela yokuhlawula ngefowuni yakho
Kucinga ukuba unakho konke okubhaliweyo ngasentla, ulungele ukusebenzisa ifowuni ukuhlawula. Ngoko yintoni inqubo?
Kwiimeko ezininzi, uya ku-cashier njengesiqhelo. Xa kufika ixesha lokuhlawula, chukumisa idilesi yokuhlawula kakuhle ngefowuni yakho. Ngokuxhomekeka kwisixhobo sakho kunye nekhredithi yakho yeselula, unakho okanye ungadingi ukuba "uvuke" ifowuni okanye uvule isikhwama sakho ngaphambi kokuba wenze oku - uza kulubala emva kokuzama okumbalwa.
Ngesinye isikhathi ngexesha lokuthengiselana, kuya kufuneka uqinisekise ubungqina bakho (kunye nePIN, iminwe yeminwe, okanye enye indlela), kwaye ke intlawulo iya kwenzeka.
Kwakhona, umthengisi akanakho ukulungele ngokupheleleyo iintlawulo zeemoto, ngoko unokufuna ukucela i-cashashi ukunika iintlawulo ze-NFC.
Khu seleko
Ngaba ukhuselekile ukuthenga ngefowuni yakho yeselula? Kukhuselekile njengokuba usebenzisa ikhadi lekhredithi, kwaye ngezinye iindlela, lukhuselekile. Ukuze uzikhusele, gcina oku kulandelayo engqondweni:
- I-Jailbroken okanye izixhobo ezigxininiswe zibeka ingozi enkulu - ukuba ifowuni yakho ifumaneke nge-malware, ingcaciso yakho yentlawulo ingahlawuliswa
- Sebenzisa indlela eqinisekileyo yokuqinisekisa ubungqina: i-PIN ende, iphasiwedi eqinile, okanye uphawu lwe-biometric
- Sebenzisa iimpawu zokhuseleko ezikunceda ufumane idivaysi engafanelekanga okanye "isula" idilesi elahlekileyo okanye eyebiweyo
Inkokhelo yeNtlawulo yeMnxeba
Iintlawulo zeefowuni zenza ubomi bakho bube nzima kakhulu.
Kodwa ungeke ufune ukushiya indlu ngaphandle kwezinye iintlobo zokuhlawula okwamanje. Abathengisi abafudumala ngokupheleleyo kwiingcamango, ngoko kuya kufuneka uhlawule indlela endala ngayo ngexesha elide. Emva koko kukho ingxaki yebhetri efile - xa sithembele ngakumbi kwi-teknoloji, sinokuxhomekeka ngakumbi kuyo (imali yakho, ukuhlola kunye namakhadi asebenzayo okanye ingaba ifowuni yakho ingenzi okanye cha).
Ekugqibeleni, ukuhlawula ngefowuni yakho kungabakho ukhetho olongezelelweyo oluluncedo xa lufumaneka. Emva kweminyaka embalwa, ihlabathi liza kufumana umnqweno wokuhlawula ngale ndlela (inxenye ngenxa yemithetho efuna iimali zokugqibela zentlawulo ezamkela i-chip-and-PIN okanye i-EMV amakhadi). Kuze kube ngoko, mhlawumbi ukushushela ikhadi akuko konke okubi.