Zithini iintlawulo zePeer to Peer?

Ngaba ukhe waya esidlweni kunye nabahlobo kwaye xa i-bill ifika uyaqonda ukuba usishiye ngempazamo isipaji sakho ekhaya? Okanye ngaba umisa kwi-cafe eyamkela imali kuphela kwaye awunayo kuwe? Besikhona sonke ! Ngethamsanqa, kukho iinkqubo zentlawulo okanye ii-apps zokudlulisa imali ezifana Venmo, PayPal, CashApp, njl ezikuvumela ukuba uhlukanise amatyala okanye wenze iintlawulo lula kwaye zingenabuhlungu. Iintlawulo zoontanga ziintengiselwano ezinokusetyenziswa kuyo yonke into, ukusuka ekwahluleni ityala lesidlo sangokuhlwa nabahlobo ukuya ekuhlawuleni irenti yomnini-mhlaba.

Ezi ntlawulo zivumela ukudluliselwa kweemali phakathi kwamaqela amabini usebenzisa zabo Iiakhawunti zebhanki abantu okanye amakhadi abo okuthenga ngetyala nge-intanethi okanye i-mobile application. Ziya zithandwa ngakumbi phakathi kwabantu bayo yonke iminyaka njengoko ngakumbi nangakumbi kwezi ntlobo zamaqonga ziqhubeka nokuvela.

Kweli nqaku, ndibonisa izinto ezifunekayo zokuqonda iintlawulo ze-P2P. Funda kude kube sekupheleni.

Zisebenza njani iintlawulo zePeer to Peer?

Ii-akhawunti zentlawulo ze-P2P zilula ukuseta. Nokuba leliphi iqonga olikhethayo, uya kwenza iakhawunti kwaye emva koko uqhagamshele iakhawunti yakho yebhanki okanye ikhadi letyala okanye ledebhithi kuyo.

Ezinye ii-apps zinokufuna ulwazi olongezelelweyo lokuqinisekisa kunye namagama ayimfihlo ukuqinisa ukhuseleko. Nje ukuba iakhawunti yakho imiselwe, unokukhangela abanye abasebenzisi ngegama labo lomsebenzisi, idilesi ye-imeyile, okanye abafowunelwa befowuni.

Ukuthumela nokwamkela imali kudla ngokuba kukucofa nje okumbalwa. Ukhetha ukuba uthumele kubani imali, imali yentengiselwano, yongeza isizathu sentlawulo ukuba uyafuna, uze ungenise intlawulo. Ngokuxhomekeke kwinkonzo yentlawulo ye-P2P oyisebenzisayo, ixesha elithathayo ukudlulisa imali lingahluka ukusuka kwimizuzwana embalwa ukuya kwiintsuku ezintathu zoshishino.

Ii-apps ezininzi zigcina imali egcinwe kwi-app de uyikhulule ngesandla imali kwiakhawunti yakho yebhanki.

Isebenza njani i-app yentlawulo ye-P2P?

Ii-apps zentlawulo ze-P2P zisetyenziselwa yonke into ukusuka ekwahluleni ityala lesidlo sangokuhlwa nabahlobo ukuya ekuhlawuleni irenti yomnini-mhlaba. Ezi ntlawulo ziququzelela ukudluliselwa kwemali phakathi kwamaqela amabini.

Iza kusebenzisa iiakhawunti zabo zebhanki okanye indlela yokuhlawula njengekhadi letyala, ibhanki ye-intanethi okanye i-app yeselula kule njongo. Nantsi inkqubo eneenkcukacha yokwenziwa komsebenzi yoNtanga ukuya kwiNtanga yokudlulisela imali:

Yiya ngobhaliso kunye nokungena

Ukwenza iakhawunti yeentlawulo ze-P2P kulula kakhulu! Nokuba yeyiphi iqonga olikhethayo, kufuneka uqale ubhalise kwisicelo ngokufaka iinkcukacha zakho zobuqu njengegama, igama lebhanki, inombolo yomnxeba, idilesi, isixeko, njl. Emva koko kufuneka ufake igama lokugqitha okanye ikhowudi I-PIN eyomeleleyo.

Yongeza umxhamli

Eli lelinye lawona manyathelo abalulekileyo kwinkqubo yokuhlawula koontanga. Emva kokugqiba inkqubo yakho yokubhalisa, kufuneka ugqibezele inkqubo ye-KYC. Okulandelayo, kufuneka wongeze iinkcukacha zomntu ofuna ukumhlawula. Kule nkqubo, umsebenzisi kufuneka afune igama lomntu afuna ukwenza kuye intlawulo.

???? Seta isixa

Umsebenzisi kufuneka emva koko achaze imali anqwenela ukuyidlulisela. Kunye nale nto, umsebenzisi unokuphinda abhale isizathu sentlawulo. Nangona kunjalo, le nto inokuzikhethela.

Faka igama lokugqithisa ukuze uqinisekise intengiselwano

Umsebenzisi makafake i-password abeyibekile ngexesha lobhaliso okanye unokuqinisekisa kwakhona ukudluliselwa kwentlawulo nge-OTP. Ukongeza, umsebenzisi unokuseta umbuzo wokhuseleko ukuba uyalibala igama eliyimfihlo.

Yamkelwe

Emva koko, irisithi yentlawulo yenziwa ngokuzenzekelayo onokuthi uyikhuphele okanye uyiprinte. Ngale ndlela unokuba nerekhodi lentengiselwano yakho yemali.

Zikhawuleza kangakanani iintlawulo zoontanga ukuya koontanga? Zixabisa malini ?

Umlinganisi wesicelo sentlawulo yoontanga ikuvumela ukuba utshintshe imali ngokukhawuleza ngaphandle kwezithintelo zejografi. Ntanga kuNtanga izisombululo zeapp yokudlulisa imali zijolise ekwenzeni udluliselo lwemali olukuvumela ukuba uthumele imali. Gcina ezi zinto zilandelayo engqondweni xa usebenzisa iintlawulo ze-peer-to-peer. Kusebenza okufanayo xa ukhetha iqonga lakho lokwenza iakhawunti yakho yeentlawulo zeP2P.

Isantya somsebenzi: Nangona izaziso zentengiselwano zithunyelwa ngokukhawuleza, imali ngokwayo inokuthatha usuku ukuya kweentsuku ezintathu zoshishino ukufika kwi-akhawunti yakho edibeneyo ukuba ukhetha ukuyidlulisela ngaphandle kwe-app. Abanye ababoneleli bayakhawuleza kwaye abanye banikezela ngodluliselo olukhawulezileyo ngomrhumo.

Iintlawulo zentengiselwano.  Ngokubanzi, unokwenza iintlawulo ze-P2P kwiakhawunti yebhanki eqhagamshelweyo okanye ngokuthe ngqo ukusuka kwintanga ukuya kwiakhawunti yoontanga simahla. Kodwa abanye ababoneleli bahlawula umrhumo - i-2% okanye i-3% ukuqhuba iintlawulo ezithathwe kwikhadi letyala okanye lebhanki, umzekelo - ngezinye iindlela zokuhlawula.

Faka idatha ngononophelo. Ukuba uchwetheza kakubi idilesi yemeyile yomamkeli, inombolo yomnxeba, okanye igama, imali inokuya kumntu ongalunganga. Qinisekisa iinkcukacha zakho zomamkeli phambi kokuba uthumele intlawulo.

Izibonelelo zeentlawulo ze-P2P

Iintlawulo ze-P2P zonke zimalunga nokulula kokusetyenziswa, ukulungeleka kunye nesantya. Nangona abanye besenokungayithandi into yokuba abasakwazi ukusebenzisa isizathu “Ndilibale sisipaji sam", Ukukhawuleza onokuthi uhlawule ngako abahlobo kunye nosapho lwakho luncedo olukhulu.

Ubukhulu becala, iintlawulo ze-P2P zisebenza njengokukhupha imali kwi-ATM ngaphandle kokufumana enye yokubuyisela ummkeli. Ezinye iinkonzo zentlawulo ye-P2P zihlawulisa iifizi eziphantsi okanye iintlawulo zepesenti ephantsi. Nangona kunjalo, ezinye iiP2Ps ziyakuvumela intlawulo yasimahla. Ababoneleli bophando ukubona ukuba kukho naziphi na iifizi ezinxulumene neentengiselwano.

Iintlawulo zeP2P ziya zixhaphaka kangangokuba ungeva abantu besithi “Ndiza kukwenza iVenmo"Okanye"Ndiza kukwenzela iPayPal", endaweni yokuba uthi "Ndiza kukuhlawula". Yenza iakhawunti yakho yeVenmo ukusukela namhlanje

Imingcipheko yokhuseleko enokwenzeka yeentlawulo ze-P2P

Ngelixa ubukhulu becala, iinkonzo zeP2P zikhuselekile, kuhlala kukho imingcipheko ebandakanyekayo xa uthumela imali kwi-Intanethi. Nokuba uthumela imali ngempazamo kumsebenzisi ongalunganga okanye ubeka umngcipheko wokophulwa kwedatha, iingxaki zinokuvela.

Eyona ngxaki inkulu iza nentengiselwano yobuqhophololo okanye eyimpazamo kukuba kunokuba nzima ukufumana imbuyekezo, ngakumbi ukuba usebenzisa imali evela kwi-app hayi ibhanki yakho. Uninzi lwababoneleli bentlawulo ye-P2P basebenzisa izilumkiso zokunciphisa le mingcipheko yokhuseleko, ukusuka kwiiphasiwedi kunye neePIN ukuya kwizaziso zentengiselwano eziqinisekisa ukuba ngaba abasebenzisi bathumele imali ngokwenene.

Ukunciphisa umngcipheko wokuba lixhoba lobuqhetseba, sebenzisana kuphela nabantu obaziyo. Fumanisa ukuba loluphi uhlobo lobuqhophololo olusetyenziswa ngugxa wakho kwindlela yokuhlawula kunye nokuphanda umgangatho wothungelwano lwenkxaso yomthengi wenkampani.

Imingcipheko yokusebenzisa i-app ye-peer-to-peer yokuhlawula kufuneka iqwalaselwe, kodwa akufanele ikuthintele ekusebenziseni le ndlela yentlawulo ilula nekhula ngokukhawuleza.

Ezinye zezona nkqubo ziqhelekileyo zokuhlawula iP2P

PayPal® - inkqubo yentlawulo ye-intanethi exhasa ukuhanjiswa kwemali kwi-intanethi kwaye isebenza njengenye indlela yombane kwiindlela zephepha zemveli ezifana neetshekhi kunye nemiyalelo yemali.

Venmo -inkonzo yentlawulo yeselula eyeyePayPal. Abanini beakhawunti yeVenmo banokudlulisela imali kwabanye ngefowuni ephathwayo; bobabini umthumeli kunye nomamkeli kufuneka bahlale eUnited States

Ukubhatala kuFacebook Inkqubo ilula, nokuba uthumela imali kumhlobo wakho kwii -apps osele uzisebenzisa, kubandakanya uFacebook, Messenger, Instagram, okanye Portal.

Square, Inc. -inkonzo yezemali kunye nenkampani yeentlawulo zedijithali evumela abasebenzisi ukuba badlulisele imali komnye nomnye usebenzisa i-Cash app yeefowuni eziphathwayo.

iseli-indlela ekhawulezayo, ekhuselekileyo nelula yokuthumela, ukucela nokufumana nabahlobo, usapho kunye nabanye obathembileyo. ILakeland ibonelela ngeZelle kunye neDijithali Wallet ngokwenza ukuthenga ngaphandle kokuqhagamshelana nge-smartphone yakho okanye i-smartwatch.

Apple Pay ® - intlawulo yeselula kunye nenkonzo yesipaji yedijithali evela ku-Apple Inc. evumela abasebenzisi ukuba benze iintlawulo ngokobuqu, kwii-apps ze-iOS nakwiwebhu besebenzisa iSafari. I-Apple Pay isebenza ngeemveliso ezikhethiweyo ze-iPhone®, i-iPad® kunye ne-Apple Watch®.

Google Pay ® et Samsung Pay ® zikwafumaneka kwiifowuni ze-Android, iitafile okanye iiwotshi kunye nezixhobo eziveliswe yiSamsung.