Iyini ubuchwepheshe be-tokenization

Ukwenza amathokheni ingenye yemiphumela ehlala iphazamisa ubuchwepheshe be Blockchain. Le nqubo yamisa izithembiso zokwenza izinguquko emphakathini ukuze unikeze umbono okhulayo wokuthanda izinto ezibonakalayo nokuhweba lapho inani labantu lizoba nethuba lokwazisa nokushintshanisa noma iyiphi i-crypto ngokwesidingo sayo kanye nesipho sakhe.

Ngokungangabazeki, ubuchwepheshe be-Tokenization buvula iminyango endaweni yonke yamathuba okungenzeka ngaphambili kwakunzima noma okuyinkimbinkimbi noma okungenakwenzeka ukuxazulula.

Lokhu kusungulwa kuzoqala ekuqaleni emkhakheni wezomnotho. Iye yanda kwezinye izindawo eziningana. Amandla obuchwepheshe beBlockchain kanye neTokenization inkulu kakhulu.

Ungathanda ukuqalisa emhlabeni we-Tokenization? Ungazi okwengeziwe kulesi sihloko. Asambe!!

Iyini i-Tokenization?

La Ithokheni isu elivumela ukuguqulwa noma ukushintshwa kwempahla, into noma idatha ebucayi enedatha evikelekile nengazweli ku-Blockchain.

Ukuze kuzuzwe lokhu, i-Tokenization ibhekisela enqubweni yoshintsho ethatha mayelana nokukhokha inombolo kamazisi yekhadi, usuku lokuphelelwa yisikhathi kwekhadi kanye ne-CVV2.

Le nqubo yenguquko iqukethe ukwenza idijithali noma ukubethela ulwazi olushiwo. Zibeke ngenhlanganisela yezinombolo futhi ugcine lonke ulwazi lwayo ebhulokhini leBlockchain.

Uma sebesindisiwe, bangaba agcinwe noma ashintshiwe. Phakathi nale nqubo, lolu lwazi luthola ithokheni elibavumela ukuba basebenzise ulwazi olunjalo njengengxenye ebalulekile ye-Blockchain okukhulunywa ngayo.

I-Tokenization ku-Blockchain ingasetshenziswa kuzo zonke izinhlobo zedatha. Lobu buchwepheshe bungaguqula ngokujulile izinqubo, ezifana ne-supply chain noma ukumaketha.

Uma sisebenzisa ubuchwepheshe be-Tokenization ku-supply chain, lokhu kungenza inqubo isebenze kahle kakhulu mayelana nokuphepha, obala, ukulandeleka okungcono.

Isebenza kanjani i-Tokenization?

Uma wenza umsebenzi, kwakha i-Token ngesikhathi sangempela, ngenkathi uxhuma ikhadi lekhasimende lakho ebhange elikhipha imali, ukuze likhiphe Ithokheni eqondene nomsebenzi.

Lokhu kukunikeza i-Pan, futhi le Pan igcinwa endaweni engabonakali, okwenza i-Tokenization indlela ethembeke kakhulu yokuqinisa ukuphepha kwenkokhelo yakho.

Njengomhlinzeki wesevisi yokukhokha, u-Adyen angasebenza njengomkhiphi. Isevisi ye-Tokenization igcina idatha yekhasimende ngokuphephile futhi ikhiqiza ngokuqondile i-Token engasetshenziswa, isibonelo, uku-invoyisi ukuthenga okuhlukahlukene abazokwenza esikhathini esizayo ngezinkampani.

Njengoba ubona kumdwebo ongezansi.

Isebenza kanjani ithokheni yekhadi?

Lobu buchwepheshe bungena esikhundleni salokho okubhekwa njengolwazi olubucayi lomnikazi wekhadi ekhadini lasebhange noma lesikweletu futhi likhipha ithokheni, eligcina idatha yekhadi lekhasimende kuyilapho linikeza ukuvikeleka okuthobelayo.

Uma sifuna ukukusebenzisa ekuvikelekeni kwedatha eminingi, i-Tokenization ithatha indawo yento yedatha ezwelayo ngokulingana okuzwelayo okungenayo incazelo noma ivelu yangaphandle echazekayo.

Ukuze sikusize uqonde inqubo kalula kakhulu, siyethula kuwe:

Eqinisweni, isistimu ihlala ithola idatha eyimfihlo. Kulokhu, ulwazi lomuntu siqu oluxhunywe kumnikazi wekhadi (isibongo, igama lokuqala, inombolo ye-akhawunti, i-IBAN, njll.) lugcinwa endaweni eyodwa. Isibonelo: kusizindalwazi.

Ngakho-ke uhlelo lwe-Tokenization ludala i-Token futhi luyiphindaphinde nedatha esivele igciniwe. UPhawu olungeziwe aluyimfihlo, kodwa luwumngane noma isiteketiso soPhawu.

Bese, uPhawu lufakwa ekuhambeni kokusebenza futhi luthatha indawo yolwazi oluyimfihlo olumelwe kukho konke ukusebenza. Ngokukhula, amabhizinisi edijithali asekela amamodeli awo ekubhaliseni kwansuku zonke, kwamasonto onke, kwanyanga zonke ngisho nangonyaka. Nokho, kukhona a umehluko phakathi kweCoin and Token.

Umehluko phakathi Kwethokheni kanye Nemali Edonswayo kanye Nokubethela Ngekhadi Lesikweletu

Indlela ye-Tokenization kanye nokubethela kwe- ikhadi lesikweletu kanye nedebithi inezindawo zayo ezibalulekile kubuchwepheshe bokukhokha. Kodwa sinethuba lokuthola umehluko okhona phakathi kobuchwepheshe obubili.

Ngenkathi i-Tokenization ithatha indawo yedatha ebucayi yomnikazi wekhadi, ukubethela noma ukubethela kwezinkundla zedatha bese ibethela idatha yekhadi lomthombo futhi iwasuse ekubhaleni kwawo lapho ifika endaweni yayo yokugcina. Singathatha ngisho nesibonelo se-Virtual Private Networks (VPN).

Nakuba bobabili banendawo yabo nezinzuzo kubuchwepheshe bokukhokha, i-Tokenization ivela njengesixazululo esiyinhloko esivikeleke kakhulu sokuvikela ulwazi lwekhadi lomthengi.

Amathokheni awabuyiseleki emuva uma ufuna ukusebenzisa ukhiye wokukhipha ukubethela, okuyisimo esifanayo ngokubethela. Ngaphezu kwalokho, kunciphisa kakhulu ububanzi be-PCI DSS (Ikhadi Lokukhokhelwa Kwemboni Yezimboni).

Kubalulekile futhi kuyisibopho kuzo zonke izinkampani ezinquma ukwamukela noma ukucubungula idatha evela kumakhadi azo esikweletu noma edebhithi.

Ukuvikelwa okuhlobene nedatha eyimfihlo kuba udaba olubaluleke kakhulu ku-E-Commerce. Futhi okungcono nakakhulu, njengoba i-Payment Services Directive, eyaziwa kangcono ngokuthi i-PSD2, yamukelwe.

Inhloso yayo enkulu ukuthuthukisa izimakethe zokukhokha eziku-inthanethi ngaphakathi kwe-European Union (EU). Inhloso yawo ukuqinisa ezokuphepha kanye nokunikeza ukuqonda ngokukhwabanisa.

Yiziphi izinguquko ezenziwe ku-E-Commerce kusukela kwasungulwa i-PSD2?

I-Tokenization isiphenduke ubuchwepheshe obubalulekile. Izinkampani ziya ngokuya zidinga amasistimu okukhokha athuthukile azivumela ukuthi zigcine idatha itholakala ngokuphephile futhi zenze izinkokhelo esikhathini esizayo.

Kulo mongo, kukhona abahlinzeki benkokhelo abambalwa abavikeleke kakhulu ababanikeza ithuba lokuziphonsa phansi futhi balinganise ibhizinisi labo ngalobu buchwepheshe ngesikhathi esifushane.

Uphawu yisihlonzi esingenalo inani labaduni. Cabangela uma kukhona ukuvuza kwekhadi lesikweletu noma lasebhange ngesikhathi esithile. Imiphi imiphumela engase ihileleke kulokhu.

Ngakolunye uhlangothi, umthetho ulethe iqiniso elisha ku-E-Commerce, ngenxa yezizathu ezimbalwa.

Kuze kube manje, noma nini lapho ikhasimende lithenga ku-inthanethi, okhipha ikhadi kwakudingeka acele ulwazi oluthile ukuze akwazi ukuqinisekisa inkokhelo. Ngokusebenzisa ikhodi yokuqinisekisa (i-OTP) noma nge-SMS.

Ngobuchwepheshe obusha, le ndlela ayisathembeki, kodwa ukuqinisekiswa okuphindwe kabili kuyadingeka ukuze kuhambisane nokuqinisekisa. Nokho, i-E-Commerce ayithintwa ngokuqondile yile mfuneko, ngoba abakhiphi abakhona ezinhlelweni zokukhokha kungaba amabhange noma abahlinzeki.

Izinkampani ze-E-Commerce kuzodingeka ziqinisekise ukuthi zonke izindlela zokukhokha ezinikezayo zithobelana namazinga axhunywe ku-PSD2 SCA. Uma kungenjalo, basengozini yokulahlekelwa ukuthenjwa komsebenzisi.

Lezi zinguquko zingaphezu kokulungiswa okulula. Baveza indlela eya phambili yokuthi i-E-Commerce ihlinzeke ngezinhlelo zokukhokha eziku-inthanethi eziphephile futhi ezizuzisa kakhulu wonke umuntu. Ngaphezu kwalokho, bangumfutho wokunciphisa ama-engeli obuhlungu ebhizinisi lakho.

Iyini i-DeTokenization?

Njengoba igama layo liphakamisa, I-DeTokenization iyinqubo ephambene ye-Tokenization. Kubandakanya ukubuyisa yonke idatha enembile exhunywe ekhadini elalifakwe ekuqaleni. Ngokuvamile, lokhu kungenziwa kuphela ngohlelo lwangempela, lolu olusetshenziselwa i-Tokenization.

Kodwa futhi kungenzeka ukwenza lokhu usebenzisa izinhlelo zokusebenza ezithile ezigunyazwe ukwenza i-DeTokenization ngezinjongo zokuthengisa.

Isiphetho

Nakhu okudingeka ukwazi mayelana ne-Tokenization. Sithemba ukuthi silethe ukuthuthukiswa kolwazi lwakho ngale ndaba. Uma ngabe lesi sihloko sinentshisekelo kuwe, ungangabazi ukusinikeza isithupha futhi wabelane ukuze uvumele abantu abaningi ngangokunokwenzeka ukuzuza kuso.