Ondrej Holzman Namuhla, amadivaysi eselula asengashintsha noma yini. "Ukushintsha" kwabo ekhadini lokukhokha kuwusizo kakhulu, uma uvele ubambe ifoni yakho uyibeke kutheminali bese ukhokhelwa. INEzweni le-Apple, le sevisi ibizwa nge-Apple Pay futhi u-2015 kwaba ukuhlolwa kwakhe kokuqala.
"Siyaqiniseka ukuthi u-2015 kuzoba unyaka we-Apple Pay," kubika u-Tim Cook, ecabangela isithakazelo sokuqala kanye nokuphendula kwabathengisi ekuqaleni konyaka odlule. Ezinyangeni ezimbalwa ngaphambi kwenhloko ye-Apple insiza ngokwayo emelelwe futhi ngasekupheleni kuka-Okthoba 2014, i-Apple Pay yayisemthethweni yethuliwe.
Ngemva kwezinyanga ezingaba eziyishumi nanhlanu zokusebenza, manje sesingakwazi ukuhlola ukuthi ingabe amazwi ka-Cook mayelana "nonyaka we-Apple Pay" ayewukucabanga nje, noma ukuthi inkundla yama-apula yayiwuphethe ngempela yini umkhakha wezinkokhelo zamaselula. Impendulo ikabili: yebo nocha. Kungaba lula kakhulu ukubiza u-2015 unyaka we-Apple. Kunezizathu eziningana.
Akufanele neze ukukala impumelelo ye-Apple Pay ngezinombolo ezithile okwamanje. Isibonelo, inaliphi isabelo kukho konke okwenziwayo okungekona okwemali, ngoba e-United States kuseyinombolo encane. Manje kubaluleke kakhulu ukuqapha ukuthuthukiswa kwenkonzo kanjalo, ukuthuthukiswa kwayo yonke imakethe yokukhokha ephathwayo futhi, endabeni ye-Apple Pay, futhi ukudonsela ukunaka kwezinye izinto eziletha umehluko obalulekile phakathi kwemakethe yaseMelika , isibonelo, imakethe yaseYurophu noma yaseShayina.
Ukuncintisana (un) ukulwa
Uma bekufanele sihlole i-2015 mayelana nokuthi ubani obekukhulunywa ngaye kakhulu, khona-ke emkhakheni wezinkokhelo cishe bekuyi-Apple Pay. Hhayi ukuthi akukho ukuncintisana, kodwa amandla endabuko omkhiqizo wenkampani ye-Cupertino namandla ayo okwandisa isevisi entsha ngokushesha kusasebenza.
Impi yamanje iphakathi kwezinhlelo ezine, futhi ezimbili zazo azibizwanga ngokufana naleyo evela kwa-Apple - Pay. Ngemva kokwehluleka nge-Wallet, i-Google yanquma ukuphuma ngebheyili ngesixazululo esisha se-Android Pay, abakwaSamsung bagxumela embonweni ofanayo futhi baqala ukuthumela i-Samsung Pay kumafoni ayo. Futhi ekugcineni, kukhona umdlali obalulekile emakethe yase-US, i-CurrentC.
Kodwa-ke, i-Apple inesandla esiphezulu kuzo zonke izimbangi kumaphuzu amaningi, noma okungenani akekho ongcono. Nakuba ukusetshenziswa kalula, ukuvikelwa kwedatha yangasese yomsebenzisi kanye nokuvikeleka kokudluliselwa kunganikezwa ngendlela efanayo ngeminye imikhiqizo encintisanayo, i-Apple ikwazile ukuqasha inani elikhulu kakhulu lamabhange abambisana. Lokhu, ngaphezu kwenani labathengisi lapho kungenziwa khona izinkokhelo zeselula, kuyisihluthulelo mayelana nokuthi bangaki abasebenzisi abangaba khona inkampani engabafinyelela.
Iqiniso lokuthi inkundla evaliwe ku-apula ecosystem ingabonakala njengokubi okungaba khona kwe-Apple Pay kukho konke okushiwo. Kodwa ngisho nange-Android Pay, awukwazi ukukhokha kwenye indawo ngaphandle kwama-Android akamuva, futhi abakwaSamsung baphinde bavale i-Pay yabo kumafoni abo kuphela. Ngakho-ke, wonke umuntu usebenza esihlabathini sakhe futhi kufanele azisebenzele ngokuyinhloko ukuze afinyelele amakhasimende. (Icala lihluke kancane nge-CurrentC, esebenza kuzo zombili i-Android ne-iOS, kodwa ikude nokushintshwa okuqondile kwekhadi lokukhokha; ngaphezu kwalokho, kuyinto "yaseMelika" kuphela.)
Njengoba izinsiza ezahlukene zokukhokha ngeselula aziqhudelani ngokuqondile, ngokuphambene nalokho, zonke izinkampani zingajabula ngokuthi zingene kancane kancane emakethe. Phela, noma iyiphi insizakalo enjalo, kungakhathaliseki ukuthi i-Apple, i-Android noma i-Samsung Pay, izosiza ukusabalalisa ukuqwashisa kanye nethuba lokukhokha ngefoni ephathekayo, ngesikhathi esifanayo kuzophoqa abathengisi ukuthi bavumelane nomkhuba omusha kanye namabhange ukusabalalisa okuhambisanayo. amatheminali.
Imihlaba emibili
Mhlawumbe imigqa yangaphambilini awenzi umqondo ongako kuwe. Siyini isidingo semfundo mayelana nezinkokhelo eziphathwayo noma ngaphandle kokuthinta, uyabuza? Futhi lapha sibhekene nenkinga eyodwa enkulu, ukungqubuzana kwemihlaba emibili ehlukene. I-United States ngokumelene nomhlaba wonke. Nakuba i-Europe, kanye ne-Czech Republic ikakhulukazi, ingumholi emkhakheni wokukhokha ngaphandle kokuthinta, i-United States isilele ubuthongo futhi abantu bakhona bayaqhubeka nokukhokha ngamakhadi omugqa kazibuthe futhi baswayipha kubafundi.
Imakethe yaseYurophu, kodwa futhi neShayina, ngakolunye uhlangothi, ilungiselelwe ngokuphelele. Sinakho konke lapha: amakhasimende ayejwayele ukuthenga ngokuthinta ikhadi (futhi namuhla ngisho namadivaysi eselula) kuya kutheminali, abathengisi abajwayele ukwamukela izinkokhelo ezinjalo, futhi amabhange asekela konke.
Ngakolunye uhlangothi, abantu baseMelika bavame ukungazi ukuthi kungenzeka yini ukukhokha ngefoni ephathekayo, ngoba izikhathi eziningi abanalo ulwazi lokuthi kungenzeka ukukhokha ngaphandle kokuxhumana. I-Apple, hhayi i-Apple kuphela, ayikwenzi kahle lokho. Uma umsebenzisi engazi ukuthi izinketho ezinjalo zikhona, kunzima ukuqala ngokuzumayo ukusebenzisa i-Apple Pay, i-Android Pay noma i-Samsung Pay. Ngaphezu kwalokho, uma efuna, ngokuvamile uhlangabezana nokungalungi komthengisi, ongeke abe nesiphetho esihambisanayo.
AbakwaSamsung bazamile ukuxazulula le nkinga yemakethe yaseMelika ngokwenza ukuthi i-Pay yayo isebenze hhayi kuphela nge-terminal engathinteki, kodwa futhi ne-magnetic strip reader, kodwa inamakhulu amabhange angabambisani akhipha amakhadi okukhokha kune-Apple, futhi ngaleyo ndlela ukutholwa kuyavinjelwa kwenye indawo.
E-United States, kunento eyodwa futhi ebambe yonke into emuva - i-CurrentC eshiwo kakade. Lesi sixazululo asilula njengokuthi ubambe ifoni yakho uyibeke kutheminali, ufake ikhodi noma izigxivizo zeminwe bese ukhokhelwa, kodwa kufanele uvule uhlelo lokusebenza, ungene ngemvume bese uskena ibhakhodi. Kodwa inkinga iwukuthi amaketanga amakhulu ezitolo aseMelika afana ne-Walmart, Best Buy noma i-CVS abhejela ku-CurrentC, ngakho amakhasimende avamile lapha awafundanga ukusebenzisa izinsiza zesimanje.
Ngenhlanhla, i-Best Buy isivele isukile ebuhlotsheni bayo obukhethekile ne-CurrentC, futhi singathemba kuphela ukuthi nabanye bazolandela okufanayo. Isixazululo se-Apple, Google kanye ne-Samsung kokubili silula futhi, ngaphezu kwakho konke, siphephe ngokuyisisekelo.
Ukwandiswa kuyadingeka
I-Apple Pay ayizange ihloselwe ukuba yinto yaseMelika kuphela. I-Apple isinesikhathi eside idlala emhlabeni wonke, kodwa izwe lasekhaya kwaba ngelokuqala lapho likwazile ukuhlela konke ubudlelwano obudingekayo. Bona baseCupertino cishe babelindele ukuthi bazoluthola uhlelo lwabo lokukhokha kwamanye amazwe kusenesikhathi, kodwa ngoJanuwari 2016 isimo siwukuthi, ngaphezu kwe-United States, i-Apple Pay itholakala kuphela eGreat Britain, Canada, Australia, Hong Kong. , Singapore naseSpain.
Ngesikhathi esifanayo, kwakukhona inkulumo ekuqaleni ukuthi i-Apple Pay ingafika eYurophu ekuqaleni kuka-2015. Ekugcineni, kwakuyingxenye kuphela, futhi kuphela e-Great Britain. Ukwandiswa okulandelayo kulawa mazwe ashiwo ngenhla kwafika ngoNovemba odlule (eCanada, e-Australia) noma manje ngoJanuwari, futhi konke lokhu kunomkhawulo owodwa omkhulu - i-Apple Pay isekela kuphela i-American Express lapha, okucasulayo ikakhulukazi eYurophu, lapho i-Visa ne-Mastercard lawula inkinga.
Ngokusobala i-Apple ayicishe iphumelele ekuxoxisaneni ngezinkontileka kanye nokuheha amabhange, abathengisi nabakhiphi bamakhadi esixazululweni sayo njengoba kwenzeka e-United States. Ngesikhathi esifanayo, ukwanda okukhulu kubaluleke kakhulu ekuthuthukisweni okuqhubekayo kwenkonzo.
Ukube i-Apple Pay ayizange iqale eMelika kodwa eYurophu, cishe ngabe inesiqalo esingcono kakhulu futhi izinombolo bezizoba ngcono ngokuphawulekayo. Njengoba sekushiwo, ngenkathi yonke inkokhelo yeselula iseyinganekwane yesayensi yemakethe yaseMelika, iningi labantu baseYurophu selilinde ngokubekezela ukuthi i-Apple (noma enye) Inkokhelo ifike ekugcineni. Okwamanje, kufanele sinamathisele izitikha ezikhethekile kumakhalekhukhwini wethu noma sibeke izembozo ezingabukeki kuzo, ukuze okungenani sizame umbono wekusasa lezinkokhelo ngaphandle kokuthintwa.
E-UK, isibonelo, abantu sebengakwazi ukukhokha nge-Apple Pay kwezokuthutha zomphakathi, okuyisibonelo esihle sokusebenzisa isevisi enjalo. Uma kukhona izinketho ezinjalo, kuzoba lula ukukhombisa abantu ukuthi inkokhelo yeselula ilungele ini nokuthi akuyona nje imfashini ethile yezobuchwepheshe, kodwa empeleni into ewusizo nesebenzayo. Namuhla, cishe wonke umuntu ungena esitimeleni noma esitimeleni ephethe umakhalekhukhwini, kungani uzihlupha ngokufinyelela ushintshi noma ikhadi. Nakulokhu: umlayezo ocace kakhulu futhi osobala eYurophu, imfundo ehluke kancane neyisisekelo iyadingeka eMelika.
I-Europe ilindile
Kodwa ekugcineni, akukhona kangako nge-United States. I-Apple ingazama konke okusemandleni ayo, kodwa ukulungisa inkampani (hhayi amakhasimende kuphela, kodwa futhi namabhange, abathengisi nabanye) ezinkokhelweni ezingenakuxhumana kanye nobuchwepheshe obusha kuthatha isikhathi. Ngisho naseYurophu, ukusetshenziswa kwe-tape magnetic akuzange kume ubusuku bonke, kuphela manje sinokuhola kwesikhathi eside phezu kweMelika - kancane ngokumelene namasiko avamile.
Ukhiye uwukuthola i-Apple Pay iye eYurophu ngokushesha okukhulu. Futhi futhi eChina. Imakethe yakhona ngokusobala izilungiselele kangcono ukukhokha ngeselula kuneyaseYurophu. Inani lezinkokhelo zeselula ezenziwa ngenyanga ngamakhulu ezigidi, futhi iphesenti elikhulu labantu lapha banama-iPhone akamuva adingekayo ku-Apple Pay. Ngemuva kwakho konke, lokhu kuyizindaba ezinhle zika-2016: inani lama-iPhones akamuva lizokhula emhlabeni wonke, futhi nalo kungenzeka ukusebenzisa ifoni ukukhokha.
Futhi njengoba i-Apple ngokusobala izoya eChina ngePay yayo ezinyangeni ezizayo, imakethe yaseShayina cishe izoba imakethe ebaluleke kakhulu yesiqhwaga saseCalifornia kuneyaseMelika ngenxa yezindlela zayo kanye nomthamo wokuthengiselana kwamaselula.
Ezinyangeni ezizayo, iYurophu cishe ngeke ibe nalutho ngaphandle kokubheka ngokudabukisayo. Nakuba, ngokwesibonelo, abameleli be-Visa sebevele bememezele ngemuva nje kokwethulwa kwenkonzo ngo-2014 ukuthi banentshisekelo enkulu ekusizeni i-Apple ezingxoxweni namabhange asekhaya futhi bakwazi ukunweba ngokuhlanganyela i-Apple Pay kulo lonke elaseYurophu, kubandakanya neCzech Republic, ngokushesha nje kungenzeka, namanje akukho okwenzekayo.
ISpain, esanda kufakwa enkampanini ekhethiwe, ibonakala sengathi ikhala ebumnyameni, ikakhulukazi lapho isivumelwano sise-American Express kuphela, futhi kulokhu kufanele sicabangele i-Great Britain kancane ye-solitaire, engabonisi ngokugcwele lokho kwenzeka kulo lonke izwekazi.
Kunalokho "iminyaka" ye-Apple Pay
Singabiza i-2015 unyaka we-Apple Pay, isibonelo, ngoba uma igama lizwakala kakhulu kwabezindaba, kwakuyisixazululo se-Apple. Kunzima ukuphikisa ukuthi i-Apple inamandla amakhulu kunawo wonke okucindezela izinkokhelo zeselula ngokushesha nangempumelelo, ngokubheka nje ukuthi mangaki ama-iPhones amasha ewathengisa ngekota ngayinye adingekayo ku-Pay. Ngesikhathi esifanayo, izixazululo ezincintisanayo nazo ziyakhula kanye nayo, futhi yonke ingxenye yezinkokhelo zeselula ikhula jikelele.
Kepha kufanele sikhulume "ngonyaka we-Apple Pay" wangempela uma le nkundla yokufisa igcina iba ne-boom yangempela. Lapho izodabula ngokuphelele e-United States, okungeyona indaba yonyaka, futhi ngaphezu kwakho konke lapho izofinyelela umhlaba wonke ngokugcwele, ngoba uma izobamba noma yikuphi manje, kuyoba yiChina neYurophu. Njengamanje singena esikhathini eside lapho i-Apple Pay ijikeleza kancane amasondo ayo, okungagcina kube i-colossus enkulu.
Ngaleso sikhathi sizobe sesikwazi ukukhuluma ngalokho kuya leso sikhathi se-Apple Pay. Okwamanje, nokho, lezi kuseyizinyathelo zezingane, ezivinjwa izithiyo ezinkulu noma ezincane ezishiwo ngenhla. Kodwa into eyodwa eqinisekile: IYurophu neChina sezimi ngomumo, ngqongqoza nje. Ngethemba ukuthi kuzoba ngo-2016.
Ngokwami, ngicabanga ukuthi akukho lutho oluzokwenzeka ngo-2016. Uma ngixoxa, isibonelo, abameleli be-mBank, bangigqolozele njengokungathi ngiwa eweni futhi bathi, "Ubani phakathi kwethu one-iPhone noma i-Apple Watch?" Leli yiphesenti elincane kangangokuthi alinancazelo kithi futhi abantu abafuni, ngakho-ke akukho mqondo ukuthi sibhekane nalo.
Njengoba ngazi ukuthi kungahle kwehluke kwamanye amabhange, kodwa umyalezo nje ukuthi awaboni ibhizinisi kuwo, pho kungani kufanele bakuxazulule?
"Ubani phakathi kwethu one-iPhone ... Ngakolunye uhlangothi, ngingasho ukuthi abantu abaningi beselula banama-iPhones, futhi angiqondi ukuthi iyiphi enye insiza yokukhokha okufanele babhekane nayo okwamanje kune-Apple Pay?" ... Kodwa ngicabanga ukuthi yebo, uma besho lokho, angazi noma ubani one-mBank...
Siphinde sayidlala ngenothi lokuthi angifuni ngempela ukuheha abantu abaningi abahambahambayo ngama-iPhone... Futhi ngicela ukubuza, usebenzisa liphi ibhange?
Ngiyithanda kakhulu i-mBank, ngaphandle kokuthi yonke into imahhala (kodwa wonke amabhange analokho manje, ngakho-ke akukho ukusatshalaliswa), ngakho-ke ngithanda kakhulu ibhange labo le-inthanethi, ngikwazi ukubhala kabusha izinto ezisesitatimendeni ngamanothi ami futhi imibhalo, ukuhlukaniswa kwezindleko okuzenzakalelayo, ukulebula kokuthengiselana ngamathegi (okudingekile esabelomalini seholide esisheshayo), ukuthumela imali nge-SMS ngaphandle kokwazi inombolo yesikweletu yomamukeli, ukuhlukanisa ukuthengiswa esitatimendeni kube yizinto ezimbalwa, ukubona isabelomali sesikhathi esilandelayo ekhaya. ikhasi, zingaki izimali zamahhala enginazo , yiziphi izindleko engizihlelile nokuthi yimalini engingakwazi ukuyilahla esikhathini esiqashwe kusukela emalini ekhokhwayo kuya ekukhokheni, cinga ukuthengiselana ngombhalo ogcwele nomsizi kanye nokuboniswa bukhoma kokuthengiselana iminyaka engu-4 edlule... Ngizijabulela kakhulu lezi zinto kwa-mBank futhi angikaze ngizibone kwelinye ibhange, futhi zinenani elikhulu elingeziwe kimi uma kuqhathaniswa nomncintiswano... Yingakho ngisebenzisa i-mBank.
Kodwa-ke akulona lonke igolide ukuhlupheka, isibonelo, banamazinga okushintshanisa amabi kakhulu lapho bekhokha ngekhadi phesheya futhi ngichaza lokhu ngokuthi abantu abazi futhi abanandaba nokuthi kukhulu kakhulu. sebenzelana nabo.. Akukho lutho olumahhala.. :)
kodwa ibhange alihlanganise lutho nakho. Iyisabalalisi yobuchwepheshe bokukhokha. Okungukuthi kithi i-MasterCard ne-Visa. Ibhange ngeke lazi nhlobo ukuthi ukhokhe nge-Apple Pay. Kuzobikwa ebhange njengomsebenzi wekhadi lokukhokha...
Nokho, lokho akulona iqiniso ngokuphelele. Okungenani ibhange linento yokwenza nalokhu, ukuthi linikeza amatheminali kubathengisi (izitolo). Futhi ngaphezu kwakho konke, lezi zikhungo kuzodingeka zifunde ukusebenza ne-Apple Pay. Khona manjalo, kuzomele idayiswe ngobuhlakani kubantu, ukuze ibhange liphinde libanga umsindo ngayo, ngenxa yalo. Yiqiniso, ukubuyisela kungabonakala esikhathini eside, kodwa ngeke kube ngokushesha.
Iningi lamatheminali sekuyisikhathi eside lisebenzisana nathi. Yilokho okumayelana - imakethe yethu isilungile. Kufanele nje wenze izivumelwano, okuyinkinga enkulu.
Impela. inkokhelo yekhadi ngaphandle kokuthinta empeleni yi-nfc
Ngempela kuwo wonke umuntu ngaphandle kokufaka iphinikhodi? Hhayi-ke, kukhona engikufundile ngakho, kodwa uma kuzanywe ngempela futhi kusebenza, angiqondi ngempela ukuthi yini inkinga?
Hhayi-ke, angiqiniseki kangako ngaleli phuzu, ngicabanga ukuthi kufanele kube khona okusethiwe lapho, ngoba ngicabanga ukuthi uma ngikhokha nge-Apple Pay, ngeke kudingeke ukuthi ngifake i-PIN kutheminali ngisho nangaphezulu kuka-500 CZK. futhi ngizogunyazwa kuphela ukusebenzisa i-TouchID kumakhalekhukhwini uma kuyiwashi, ngisho nhlobo, noma ne-PIN engiyifaka lapho ngiyibeka esandleni sami. Futhi ngicabanga ukuthi kufanele isethwe ngandlela thize. .. Futhi uma bekungenzeka kakade, bekungenzeka ukuthi ukhokhe kuzo zonke izindawo e-CR ngekhadi lesiNgisi ku-Apple Pay, kodwa ngicabanga ukuthi akunjalo.
Phela yikho kanye okwenzekayo. Uma unekhadi laseMelika ku-iPhone yakho, i-Apple Pay nayo isebenza kumatheminali aseCzech.
Futhi angivumelani ngokuphelele nalokhu, ngandlela-thile ibhange, njengomphathi walawa makhadi okukhokha, kufanele futhi lihlanganyele kulolu hlelo.
Kuyihlazo nje ukuthi i-mBank ayifuni nhlobo futhi ayinandaba nayo. Uma beyifuna, ngingaba nesithakazelo kuyo, ngibhalele i-mastercard / i-visa apula futhi ngithole ukuthi yini engenzeka, kodwa nakanjani abazange basebenze kimi kanjalo? Futhi benza sengathi yizindleko ezingadingekile zebhange noma kunjalo futhi azibafanele.. :( Okubukeka njengendlela edabukisayo kimi. ungaqagele.
Lapho ibhange lethula i-Apple Pay, wonke umndeni wethu uyashintsha. Kodwa ngeshwa, angicabangi ukuthi kukhona ozoyethula maduze nje. Ngakolunye uhlangothi, ngokufanayo, angizange ngicabange ukuthi i-Spotify, i-Netflix izofika ... Sibamba kancane kancane umhlaba, ngakho ngethemba ukuthi sizokubona futhi.