Zithini iintlawulo zePeer to Peer?

Ngaba ukhe waphuma ukuya 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 phakathi kwabahlobo 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, ndinikezela kuwe izinto ezifunekayo ukuze uqonde 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.

Sisebenza njani isicelo sentlawulo 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. Baza kusebenzisa iiakhawunti zabo zebhanki okanye indlela yokuhlawula njengekhadi letyala, ibhanki ye-intanethi okanye i-app yeselula ngale njongo. Nantsi inkqubo eneenkcukacha yokwenziwa komsebenzi yoNtanga ukuya kwiNtanga yokudlulisela imali:

Yiya ngobhaliso kunye nokungena

Ukwenza iakhawunti yeentlawulo ze-P2P kulula kakhulu! Nokuba leliphi iqonga olikhethayo, kufuneka uqale ubhalise kwi-app ngokufaka ulwazi lwakho lomntu siqu njengegama, igama lebhanki, inombolo yefowuni, idilesi, isixeko, njl. Emva koko kufuneka ufake igama lokugqitha okanye ikhowudi I-PIN eyomeleleyo.

Yongeza umxhamli

Eli lelinye lawona manyathelo abalulekileyo kwinkqubo yentlawulo yabalingane. 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 sokuhlawula. Nangona kunjalo, le nto inokuba yinto yokuzikhethela.

Faka igama lokugqithisa ukuze uqinisekise intengiselwano

Umsebenzisi kufuneka afake i-password awayeyibekile 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 ?

Isicelo sentlawulo yoontanga esilungelelanisiweyo sivumela ukudluliselwa kwemali ngokukhawuleza ngaphandle kwezithintelo zejografi. Ntanga kuNtanga izisombululo zeapp yokudlulisa imali zijolise ekwenzeni udluliselo lwemali olukuvumela ukuba uthumele imali. Gcina oku kulandelayo engqondweni xa usebenzisa i-peer-to-peer payments. Kusebenza okufanayo xa ukhetha iqonga lakho lokwenza iakhawunti yakho yentlawulo yeP2P.

Isantya somsebenzi: Ngelixa izaziso zentengiselwano zithunyelwa ngokukhawuleza, imali ngokwayo inokuthatha usuku ukuya kwezintathu zoshishino ukufika kwi-akhawunti yakho eqhagamshelweyo 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% yokuqhuba iintlawulo ezithathwe kwikhredithi okanye kwikhadi lebhanki, umzekelo - kwezinye iindlela zokuhlawula.

Faka idatha ngononophelo. Ukuba uchwetheza kakubi idilesi ye-imeyile yomamkeli, inombolo yefowuni okanye igama, imali inokuya kumntu ongalunganga. Qinisekisa iinkcukacha zomamkeli wakho phambi kokuba uthumele intlawulo.

Izibonelelo zeentlawulo ze-P2P

Iintlawulo ze-P2P zifana nokusebenziseka lula, ukukhululeka kunye nesantya. Nangona abanye besenokungayithandi into yokuba abasakwazi ukusebenzisa isizathu "Ndilibale sisipaji sam", ukukhawuleza onokuthi uhlawule ngalo abahlobo bakho kunye nosapho luncedo olukhulu.

Ubukhulu becala, iintlawulo ze-P2P zisebenza njengokutsala imali kwi-ATM ngaphandle kokufumana umntu oza kuhlawula ummkeli. Ezinye iinkonzo zentlawulo ye-P2P zihlawula umrhumo osicaba okanye umrhumo ophantsi wepesenti. Ezinye iiP2Ps, nangona kunjalo, zivumela i intlawulo yasimahla. Ababoneleli bophando ukubona ukuba kukho naziphi na iifizi ezinxulumene neentengiselwano.

Iintlawulo ze-P2P ziya zixhaphake kangangokuba unokuva 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 uninzi lweenkonzo ze-P2P zikhuselekile, kuhlala kukho imingcipheko ebandakanyekayo xa uthumela imali kwi-Intanethi. Nokuba uthumela imali ngempazamo kumsebenzisi ongalunganga okanye umngcipheko wokuba lixhoba lokophulwa kwedatha, iingxaki zinokuvela.

Ingxaki enkulu ezayo ngobuqhetseba okanye intengiselwano ephosakeleyo kukuba kunokuba nzima ukufumana imbuyekezo, ngakumbi ukuba usebenzisa imali evela kwi-app kwaye kungekhona kwibhanki 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 yinkqubo yakho yentlawulo yoontanga-kunye kwaye uphando ngomgangatho wothungelwano lwenkxaso yabathengi benkampani. Imingcipheko yokusebenzisa i-app yentlawulo yoontanga-ku-peer kufuneka iqwalaselwe, kodwa akufuneki ikuthintele ekusebenziseni le ndlela yokuhlawula ilula nekhula ngokukhawuleza.

Ezinye zezona nkqubo ziqhelekileyo zokuhlawula iP2P

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

Venmo -inkonzo yentlawulo yeselula ephethwe yiPayPal. 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 omnye komnye usebenzisa iCash app yeefowuni eziphathwayo.

iseli-indlela ekhawulezayo, ekhuselekileyo nelula yokuthumela, ukucela nokufumana nabahlobo, usapho kunye nabanye obathembileyo. ILakeland ibonelela ngeZelle kunye neDigital Wallet yokuthenga ngaphandle kokuqhagamshelana nge-smartphone yakho okanye iwotshi ehlakaniphile.

Apple Pay ® - intlawulo yeselula kunye nenkonzo yesipaji yedijithali evela kwi-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.