Yintoni iteknoloji ye-tokenization

Ukubonakaliswa yenye yeziphumo ezihlala ziphazamisa iteknoloji ye block Chain. Le nkqubo imise izithembiso zokwenza utshintsho kuluntu ukuba lunike umbono okhulayo wokuthanda izinto eziphathekayo kunye norhwebo apho abantu babeza kuba nethuba lokuxabisa kunye nokutshintshiselana nayiphi na i-crypto ngokwemfuno yayo kunye nomnikelo wakhe.

Ngaphandle kwamathandabuzo, itekhnoloji yeTokenization ivula iingcango kwindalo yonke yezinto ezinokwenzeka ebezikade zinzima okanye zintsonkothile okanye zingenakukwazi ukusonjululwa.

Olu lutsha luza kuqalisa ekuqaleni kwinkalo yezoqoqosho. Iye yanda nakwezinye iindawo ezininzi. Ubunakho betekhnoloji yeBlockchain kunye neTokenization inkulu.

Ngaba ungathanda ukuqalisa kwihlabathi leMifanekiso? Unokwazi ngakumbi kweli nqaku. Masihambe!!

Yintoni iTokenization?

La Imiqondiso isicwangciso esivumela ukuguqulwa okanye ukutshintshwa kwe-asethi, into okanye idatha ebucayi kunye nedatha ekhuselekileyo kunye nengenamva kwi-Blockchain.

Ukufezekisa oku, iTokenization ibhekisa kwinkqubo yotshintsho ethatha ngokwentlawulo inombolo yesazisi sekhadi, umhla wokuphelelwa kwekhadi kwakunye neCVV2.

Le nkqubo yenguqu ibandakanya ukufakwa kwidijithali okanye ukubethelela ulwazi oluxeliweyo. Zibeke ngokudibanisa amanani kwaye ugcine lonke ulwazi lwayo kwibhloko yeBlockchain.

Emva kokuba zigcinwe, zinokuba igcinwe okanye yatshintshiswa. Ngethuba le nkqubo, olu lwazi lufumana ithokheni evumela ukuba basebenzise ulwazi olunjalo njengenxalenye ebalulekileyo yeBlockchain echaphazelekayo.

I-Tokenization kwi-Blockchain ingasetyenziswa kuzo zonke iintlobo zedatha. Le teknoloji inokuguqula ngokunzulu iinkqubo, ezifana nekhonkco lokubonelela okanye ukuthengisa.

Ukuba sisebenzisa itekhnoloji yeTokenization kwikhonkco lokubonelela, oku kunokwenza inkqubo isebenze kakhulu ngokwemiqathango yokhuseleko, ukungafihli, ukulandeleka okungcono.

Isebenza njani iTokenization?

Xa usenza intengiselwano, yenza iTKulungile ngexesha lokwenyani, ngelixa udibanisa ikhadi lomthengi wakho kwibhanki ekhupha ukudluliselwa, ukukhupha iToken ecacileyo kwintengiselwano.

Oku kukunika i-Pan, kwaye le Pan igcinwe ngaphandle kwamehlo, eyenza i-Tokenization yeyona ndlela ithembekileyo yokuqinisa ukhuseleko lwentlawulo yakho.

Ukuba ngumboneleli wenkonzo yentlawulo, u-Adyen unokusebenza njengomkhuphi. Inkonzo ye-Tokenization igcina idatha yabathengi ngokukhuselekileyo kwaye ivelise ngokuthe ngqo uMqondiso onokuthi usetyenziswe, umzekelo, ukukhupha i-invoyisi yokuthenga okuhlukeneyo abaya kukwenza kwixesha elizayo ngeenkampani.

Kanye njengoko unokubona kumzobo ongezantsi.

Isebenza njani ithokheni yekhadi?

Le teknoloji ithatha indawo yolwazi olunovakalelo lomnini wekhadi kwidebhithi okanye kwikhadi letyala kunye neziphumo zomqondiso, ogcina idatha yekhadi lomthengi ngelixa unikezela ngokhuseleko oluthobelayo.

Xa sifuna ukuyifaka kukhuseleko lwedatha eninzi, iTokenization ithatha indawo yento yedatha enovakalelo kunye nexabiso elilinganayo elinovakalelo elingenantsingiselo okanye ixabiso langaphandle elichazwayo.

Ukukunceda ukuba uqonde inkqubo ngokulula kakhulu, sinikezela kuwe:

Enyanisweni, inkqubo ihlala ifumana idatha eyimfihlo. Kule meko, ulwazi lomntu oludityaniswe nomnini wekhadi (ifani, igama lokuqala, inombolo ye-akhawunti, i-IBAN, njl. njl.) igcinwa kwindawo enye. Umzekelo: kuvimba weenkcukacha.

Inkqubo yeTokenization ke ngoko idala uMqondiso kwaye uyiphindaphinde ngedatha esele igcinwe. UMqondiso owongeziweyo awuyomfihlo, kodwa liqabane okanye isiteketiso soMqondiso.

Emva koko, uMqondiso ufakwe kwindlela yokusebenza kwaye ithatha indawo yolwazi oluyimfihlo olumelwe kuyo yonke imisebenzi. Ngokwandayo, amashishini edijithali aseka iimodeli zawo kwimirhumo yemihla ngemihla, ngeveki, ngenyanga nangonyaka. Nangona kunjalo, kukho a umahluko phakathi kweNgqekembe kunye noMqondiso.

Umahluko phakathi kweTokenization kunye ne-Debit kunye ne-Credit Card Encryption

Indlela yeTokenization kunye noguqulelo oluntsonkothileyo lwe ikhadi letyala kunye ne-debit ineendawo zabo ezibalulekileyo kubuchwepheshe beentlawulo. Kodwa sinethuba lokufumana umahluko okhoyo phakathi kobu buchwepheshe bumbini.

Ngelixa iTokenization ithatha indawo yedatha ebuthathaka yomnini wekhadi, uguqulelo oluntsonkothileyo okanye ufihlo lwemimandla yedatha yona iguqulela ngokuntsonkothileyo idatha yekhadi lomthombo kwaye iwacime xa ifika kwindawo yayo yokugqibela. Singathatha nomzekelo weeNethiwekhi zaBucala eziBalulekileyo (VPN).

Ngelixa bobabini banendawo yabo kunye neenzuzo zabo kwitekhnoloji yokuhlawula, iTokenization ivela njengesona sisombululo sikhuselekileyo sokukhusela ulwazi lwekhadi lomthengi.

Amathokheni awabuyiseleki umva ukuba ufuna ukusebenzisa isitshixo sokufihla, okuyiyo imeko ngoguqulelo oluntsonkothileyo. Ukongeza, inciphisa kakhulu umda we-PCI DSS (uMgangatho woKhuseleko lweKhadi leNtlawulo yeKhadi loShishino).

Kuyimfuneko kwaye kunyanzelekile kuzo zonke iinkampani ezithatha isigqibo sokwamkela okanye ukuseta data kumakhadi azo okuthenga ngetyala okanye ebhanki.

Ukhuseleko olunxulumene nedatha eyimfihlo luba ngumba obaluleke kakhulu kwi-E-Commerce. Kwaye ngcono, okoko uMgaqo weeNkonzo zeNtlawulo omtsha, owaziwa ngcono njengePSD2, wamkelwe.

Eyona njongo yayo kuphuhliso lwe iimarike zentlawulo ye-intanethi ngaphakathi kweManyano yaseYurophu (EU). Injongo yalo kukomeleza ukhuseleko kunye nokubonelela ngengqiqo ngobuqhetseba.

Loluphi utshintsho olwenziwe kwi-E-Commerce ukususela ekusekweni kwePSD2?

I-Tokenization ibe yitekhnoloji eyimfuneko. Iinkampani ziya zidinga iinkqubo zokuhlawula eziphambili ezivumela ukuba zigcine iinkcukacha zifumaneka ngokukhuselekileyo kwaye zenze iintlawulo kwixesha elizayo.

Kulo mongo, kukho ababoneleli bentlawulo abakhuseleke kakhulu ababanika ithuba lokuthatha inyathelo kwaye balinganise ishishini labo ngale teknoloji ngexesha elifutshane.

UMqondiso sisazisi esingenaxabiso kubageli. Cinga ukuba kukho ukuvuza kwekhadi letyala okanye ledebhithi ngaxa lithile. Zeziphi iziphumo ezinokubandakanya oku.

Kwelinye icala, ummiselo uze nenyani entsha kwi-E-Commerce, ngenxa yezizathu ezininzi.

Ukuza kuthi ga ngoku, nanini na umthengi ethenga kwi-intanethi, umniki-khadi kwakufuneka acele ulwazi oluthile ukuze akwazi ukuqinisekisa intlawulo. Ngokusebenzisa ikhowudi yokuqinisekisa (OTP) okanye nangeSMS.

Ngeteknoloji entsha, le ndlela ayisathenjwa, kodwa ukuqinisekiswa kabini kuyafuneka ukuthobela ukuqinisekiswa. Nangona kunjalo, i-E-Commerce ayichaphazeli ngokuthe ngqo le mfuneko, kuba abakhupheli abakhoyo kwiinkqubo zokuhlawula mhlawumbi iibhanki okanye ababoneleli.

Iinkampani ze-E-Commerce ziya kufuneka ziqinisekise ukuba zonke iindlela zokuhlawula ezinikezelayo zihambelana nemigangatho edibene ne-PSD2 SCA. Ukuba akunjalo, basengozini yokuphulukana nokuthenjwa ngabasebenzisi.

Olu tshintsho lungaphezulu kohlengahlengiso olulula. Babonisa indlela eya phambili ye-E-Commerce ukubonelela ngeenkqubo zokuhlawula kwi-intanethi ezikhuselekileyo kwaye ziluncedo kumntu wonke. Ukongeza, ziyimpembelelo yokunciphisa ii-angles eziphambili zentlungu yeshishini lakho.

Yintoni iDeTokenization?

Njengoko igama layo libonisa, I-DeTokenization yinkqubo echasene neTokenization. Ibandakanya ukubuyisela yonke idatha echanekileyo edityaniswe nekhadi elalifakwe kuqala. Ngokubanzi, oku kunokwenziwa kuphela ngenkqubo yokuqala, leyo isetyenziselwa uPhawu.

Kodwa kuyenzeka ukwenza oku usebenzisa izicelo ezithile ezigunyazisiweyo ukwenza i-DeTokenization ngeenjongo zorhwebo.

isiphelo

Nantsi into ekufuneka uyazi malunga neTokenization. Siyathemba ukuba sizise uphuculo kulwazi lwakho ngalo mba. Ukuba eli nqaku linomdla kuwe, ungalibazisi ukusinika ubhontsi kwaye wabelane ukuze uvumele abantu abaninzi kangangoko ukuba baxhamle kulo.