Ondrej Holzman Patha milungu ingapo kuchokera pomwe Apple idayambitsa zatsopano. Pambuyo pa Apple Watch, yomwe idakambidwa makamaka chifukwa chakuti pafupifupi palibe chomwe chimadziwika bwino za izo, chidwi chachikulu tsopano chikuyang'ana pa "kupindika" kwa iPhone 6. zachilendo mu Okutobala: Apple Pay.
Ntchito yatsopano yolipira, yomwe Apple ikulowa m'madzi osadziwika mpaka pano, ikhala ndi chiwonetsero chambiri mu Okutobala. Pakalipano, idzakhala ku United States kokha, koma ikhoza kukhala yofunikira kwambiri m'mbiri ya kampani yaku California, komanso pankhani yazachuma nthawi zonse.
[do action = "citation"] Apple Pay yatsatira m'mapazi a iTunes.[/do]
Awa ndi maulosi chabe pakadali pano, ndipo Apple Pay imatha kukhala ngati malo ochezera a Ping omwe tsopano aiwalika. Koma mpaka pano zonse zikuwonetsa kuti Apple Pay ikutsatira m'mapazi a iTunes. Sikuti Apple okha ndi anzawo adzakhala ndi liwu losankha pa kupambana kapena kulephera, koma koposa makasitomala onse. Kodi tikufuna kulipira ma iPhones?
Bwerani pa nthawi yoyenera
Apple wakhala akunena nthawi zonse: sikofunikira kuti tichite izo poyamba, koma kuti tichite bwino. Izi zinali zowona pazinthu zina kuposa zina, koma titha kugwiritsanso ntchito "lamulo" ili ku Apple Pay. Pakhala pali malingaliro akuti Apple ilowa gawo lolipira mafoni. Ngakhale ponena za mpikisano, pamene Google idayambitsa njira yake ya Wallet yolipira ndi mafoni a m'manja mu 2011, zinkawoneka kuti Apple iyeneranso kubwera ndi chinachake.
Ku Cupertino, komabe, sakonda kuthamangira zinthu, ndipo zikafika popanga mautumiki monga choncho, amakhala osamala kawiri pambuyo powotcha kangapo. Ingotchulani Ping kapena MobileMe ndipo tsitsi la ogwiritsa ntchito ena limayima kumapeto. Ndi malipiro a mafoni, akuluakulu a Apple ankadziwa kuti sangachite cholakwika chilichonse. M'derali, sikulinso za ogwiritsa ntchito okha, koma koposa zonse, m'njira yofunikira, zachitetezo.
Apple pamapeto pake idalipira Apple Pay mu Seputembara 2014 pomwe idadziwa kuti yakonzeka. Zokambirana, motsogozedwa kwambiri ndi Eddy Cuo, wachiwiri kwa prezidenti wamkulu wa Internet Software and Services, zidatha kuposa chaka. Apple inayamba kuchita ndi mabungwe akuluakulu kumayambiriro kwa 2013, ndipo zochitika zonse zokhudzana ndi ntchito yomwe ikubwerayi zinatchedwa "chinsinsi chachikulu." Apple inayesetsa kusunga zonse mobisa osati kuti zisatulutse zambiri kwa atolankhani, komanso chifukwa cha mpikisano ndi maudindo opindulitsa pazokambirana. Ogwira ntchito m'mabanki ndi makampani ena nthawi zambiri sankadziwa zomwe akugwira. Chidziwitso chofunikira chokha ndi chomwe adadziwitsidwa, ndipo ambiri adatha kupeza chithunzi chonse pomwe Apple Pay idadziwitsidwa kwa anthu wamba.
[chitapo kanthu=”quote”]Zogulitsa zomwe sizinachitikepo zikunena zambiri za kuthekera kwa ntchitoyi kuposa china chilichonse.[/do]
Kupambana komwe sikunachitikepo
Pomanga ntchito yatsopano, Apple adakumana ndi malingaliro osadziwika bwino. Analowa m'dera lomwe analibe chidziwitso nkomwe, analibe udindo m'munda uno, ndipo ntchito yake inali yosatsutsika - kupeza ogwirizana ndi abwenzi. Gulu la Eddy Cue, patatha miyezi yokambirana, potsiriza linatha kumaliza mapangano omwe anali asanakhalepo kale mu gawo lazachuma, lomwe palokha limatha kunena zambiri za kuthekera kwautumiki kuposa china chilichonse.
Apple m'mbiri yakhala yamphamvu pazokambirana. Watha kuthana ndi oyendetsa mafoni, adamanga imodzi mwazopangapanga zotsogola kwambiri padziko lonse lapansi, adatsimikizira ojambula ndi osindikiza kuti atha kusintha makampani oimba, ndipo tsopano akupita kumakampani ena, ngakhale atakhala nthawi yayitali. Apple Pay nthawi zambiri imafanizidwa ndi iTunes, i.e. makampani oimba. Apple idakwanitsa kusonkhanitsa zonse zomwe ikufunika kuti ntchito yolipira ikhale yopambana. Anakwanitsanso kuchita ndi osewera akuluakulu.
Kugwirizana ndi opereka makhadi olipira ndikofunikira. Kuphatikiza pa MasterCard, Visa ndi American Express, makampani ena asanu ndi atatu asayina mapangano ndi Apple, ndipo chifukwa chake, Apple ili ndi 80 peresenti ya msika waku America. Mapangano ndi mabanki akulu aku America ndiwofunikanso. Asanu asayina kale, ena asanu alowa nawo Apple Pay posachedwa. Apanso, izi zikutanthauza kuwombera kwakukulu. Ndipo pamapeto pake, maunyolo ogulitsa nawonso adabwera, nawonso chinthu chofunikira poyambitsa ntchito yatsopano yolipira. Apple Pay iyenera kuthandizira masitolo opitilira 200 kuyambira tsiku loyamba.
Koma si zokhazo. Mapanganowa ndi omwe sanachitikepo chifukwa Apple mwiniwake wapezapo kanthu kuchokera kwa iwo. Ndizosadabwitsa kuti kulikonse komwe kampani ya apulo imagwira ntchito, ikufuna kupanga phindu, ndipo izi zidzakhalanso ndi Apple Pay. Apple idachita mgwirizano kuti ipeze masenti 100 pamtengo uliwonse wa $ 15 (kapena 0,15% yamalonda aliwonse). Nthawi yomweyo, adakwanitsa kukambirana pafupifupi 10 peresenti yotsika mtengo pazogulitsa zomwe zidzachitike kudzera pa Apple Pay.
Chikhulupiriro mu utumiki watsopano
Zochita zomwe tatchulazi ndizomwe Google idalephera kuchita komanso chifukwa chake e-wallet, Wallet, idalephera. Zinthu zina zidaseweredwanso motsutsana ndi Google, monga mawu a ogwiritsa ntchito mafoni komanso kusatheka kuwongolera zida zonse, koma chifukwa chomwe oyang'anira mabanki akulu kwambiri padziko lonse lapansi ndi opereka makhadi olipira adagwirizana ndi lingaliro la Apple sikuti Apple ili ndi zabwino zotere. ndi okambirana mosanyengerera.
Ngati tikanati titchule zamakampani omwe adakalipobe m'zaka zapitazi, ndizochita zolipira. Makhadi a ngongole akhalapo kwa zaka zambiri ndipo akhala akugwiritsidwa ntchito popanda kusintha kwakukulu kapena zatsopano. Kuphatikiza apo, zinthu ku United States ndizoyipa kwambiri kuposa ku Europe, koma zambiri pambuyo pake. Kupita patsogolo kulikonse kapena kusintha pang'ono komwe kungapangitse zinthu kupita patsogolo kwalephera nthawi zonse chifukwa pali maphwando ambiri omwe akugwira nawo ntchito. Komabe, pamene Apple inabwera, aliyense ankawoneka kuti ali ndi mwayi wogonjetsa chopingacho.
[chitapo kanthu = "citation"]Mabanki amakhulupirira kuti Apple siwopseza kwa iwo.[/do]
Sizikudziwonetsera okha kuti mabanki ndi mabungwe ena adzakhala ndi mwayi wopeza phindu lawo lomangidwa mosamala komanso lotetezedwa ndipo adzagawana nawo ndi Apple, yomwe imalowa m'gulu lawo ngati rookie. Kwa mabanki, ndalama zomwe zimachokera kuzinthuzo zimayimira ndalama zambiri, koma mwadzidzidzi alibe vuto kuchepetsa malipiro kapena kupereka chakhumi ku Apple. Chifukwa chimodzi ndi chakuti mabanki amakhulupirira kuti Apple siwopseza kwa iwo. Kampani yaku California sidzasokoneza bizinesi yawo, koma ingokhala mkhalapakati. Izi zitha kusintha mtsogolo, koma pakadali pano ndizowona 100%. Apple siyimayimira kutha kwa malipiro a ngongole monga choncho, ikufuna kuwononga makhadi apulasitiki momwe angathere.
Mabungwe azachuma akuyembekezanso kukula kwakukulu kwa ntchitoyi kuchokera ku Apple Pay. Ngati wina ali ndi zomwe zimafunika kuti asiye ntchito yamtunduwu, ndi Apple. Ili ndi zida zonse ndi mapulogalamu omwe amawongolera, zomwe ndizofunikira kwambiri. Google inalibe mwayi wotero. Apple ikudziwa kuti kasitomala akatenga foni yake ndikupeza malo oyenera, sadzakhala ndi vuto kulipira. Google idachepetsedwa ndi ogwiritsa ntchito komanso kusowa kwaukadaulo wofunikira m'mafoni ena.
Ngati Apple ikwanitsa kukulitsa ntchito yatsopanoyi, zidzatanthauzanso phindu lalikulu kumabanki. Kugulitsa kochulukira kumatanthauza ndalama zambiri. Nthawi yomweyo, Apple Pay yokhala ndi Touch ID imatha kuchepetsa chinyengo, zomwe zimapangitsa mabanki kuwononga ndalama zambiri. Chitetezo ndi chinthu chomwe osati mabungwe azachuma okha omwe angamve, komanso omwe angasangalatse makasitomala. Ndi zinthu zochepa zomwe zimatchinjiriza ngati ndalama, ndipo kudalira Apple ndi chidziwitso cha kirediti kadi yanu sikungakhale funso lokhala ndi yankho lomveka kwa aliyense. Koma Apple idawonetsetsa kuti ikuwonekera bwino ndipo palibe amene angakayikire mbali iyi yazinthu.
Chitetezo choyamba
Njira yabwino yomvetsetsa zachitetezo ndi magwiridwe antchito onse a Apple Pay ndi kudzera mu chitsanzo chothandiza. Kale poyambitsa ntchitoyo, Eddy Cue adatsindika kufunikira kwa chitetezo kwa Apple ndikuti sichisonkhanitsa zambiri za ogwiritsa ntchito, makadi awo, maakaunti kapena zochitika zawo.
Mukagula iPhone 6 kapena iPhone 6 Plus, mpaka pano mitundu iwiri yokha yomwe imathandizira kulipira kwa mafoni chifukwa cha chipangizo cha NFC, muyenera kuyikamo kirediti kadi. Apa mutha kujambula chithunzi, iPhone imayendetsa detayo ndipo mumangokhala ndi zowona za khadi lotsimikiziridwa ndi dzina lanu ku banki yanu, kapena mutha kukweza khadi yomwe ilipo kuchokera ku iTunes. Ili ndi sitepe lomwe palibe ntchito zina zomwe zingapereke pano, ndipo Apple mwina adagwirizana nazo ndi opereka makhadi olipira.
Komabe, kuchokera pachitetezo, ndikofunikira kuti iPhone ikayang'ana khadi yolipira, palibe deta yomwe imasungidwa kwanuko kapena pa seva za Apple. Apple idzalumikizana ndi wopereka khadi yolipira kapena banki yomwe idapereka khadiyo, ndipo adzapereka Nambala ya Akaunti ya Chipangizo (chizindikiro). Ndi zomwe zimatchedwa chizindikiro, kutanthauza kuti deta tcheru (manambala za khadi malipiro) m'malo ndi deta mwachisawawa nthawi zambiri ndi dongosolo lomwelo ndi masanjidwe. Tokenization nthawi zambiri imayendetsedwa ndi wopereka khadi, yemwe, mukamagwiritsa ntchito khadi, amalemba nambala yake, amapanga chizindikiro chake, ndikuchipereka kwa wamalonda. Ndiye pamene dongosolo lake labedwa, wowukirayo samapeza zenizeni zenizeni. Wogulitsa amatha kugwira ntchito ndi chizindikirocho, mwachitsanzo pobwezera ndalama, koma sadzapeza mwayi wopeza deta yeniyeni.
Ku Apple Pay, khadi lililonse ndi iPhone iliyonse imapeza chizindikiro chake chapadera. Izi zikutanthauza kuti munthu yekhayo amene angakhale ndi khadi lanu la data ndi banki yokha kapena kampani yomwe ikupereka. Apple sidzapeza mwayi kwa izo. Izi ndizosiyana kwambiri poyerekeza ndi Google, yomwe imasunga deta ya Wallet pamaseva ake. Koma chitetezo sichimathera pamenepo. Mwamsanga pamene iPhone amalandira anati chizindikiro, izo basi kusungidwa mu otchedwa chinthu chotetezedwa, yomwe ndi gawo lodziyimira pawokha pa chipangizo cha NFC palokha ndipo imafunikira ndi opereka makhadi pamalipiro aliwonse opanda zingwe.
Mpaka pano, mautumiki osiyanasiyana adagwiritsa ntchito mawu achinsinsi kuti "atsegule" gawo lotetezeka ili, Apple amalowamo ndi Touch ID. Izi zikutanthauza chitetezo chokulirapo komanso kulipira mwachangu, mukangogwira foni yanu pamalo olumikizirana, ikani chala chanu ndipo chizindikirocho chikuyimira kulipira.
Mphamvu ya Apple
Ziyenera kunenedwa kuti iyi si njira yosinthira yopangidwa ndi Apple. Sitikuwona kusintha kokhudza kulipira kwa mafoni. Apple mochenjera anangosonkhanitsa zidutswa zonse za chithunzithunzi ndikubwera ndi yankho lomwe linayankhula ndi onse okhudzidwa kumbali imodzi (mabanki, opereka makhadi, amalonda) ndipo tsopano poyambitsa adzayang'ana mbali inayo, makasitomala.
Apple Pay sidzagwiritsa ntchito ma terminals apadera omwe azitha kulumikizana ndi ma iPhones. M'malo mwake, Apple yakhazikitsa ukadaulo wa NFC pazida zake, zomwe ma terminals opanda kulumikizana sakhalanso ndi vuto. Momwemonso, njira yowonetsera sizinthu zomwe akatswiri a Cupertino adabwera nazo.
[chitani = "citation"]Msika waku Europe ndiwokonzekera bwino Apple Pay.[/do]
Komabe, palibe amene wakwanitsa kusonkhanitsa zidutswa za zithunzizi m’njira yoti agwirizanitse chithunzi chonsecho. Izi tsopano zakwaniritsidwa ndi Apple, koma pakali pano gawo lokha la ntchitoyo lachitika. Tsopano akuyenera kutsimikizira aliyense kuti khadi yolipira pafoni ndi yabwino kuposa khadi yolipira mu chikwama. Pali funso la chitetezo, pali funso la liwiro. Koma kulipira kwa foni yam'manja sikwatsopano, ndipo Apple iyenera kupeza mawu oyenera kuti Apple Pay ikhale yotchuka.
Chofunikira kwambiri pakumvetsetsa zomwe Apple Pay ingatanthauze ndikumvetsetsa kusiyana pakati pa misika yaku US ndi Europe. Ngakhale kwa aku Europe Apple Pay ingangotanthawuza kusinthika koyenera pazachuma, ku United States Apple ikhoza kuyambitsa chivomerezi chachikulu ndi ntchito yake.
Europe yokonzeka iyenera kudikirira
Ndizodabwitsa, koma msika waku Europe ndiwokonzekera bwino Apple Pay. M'mayiko ambiri, kuphatikizapo Czech Republic, nthawi zambiri timapeza malo omwe amavomereza ndalama za NFC m'masitolo, kaya anthu amalipira ndi makadi opanda mauthenga kapena pafoni. Makamaka, makhadi opanda kulumikizana akukhala muyezo, ndipo lero pafupifupi aliyense ali ndi khadi yolipirira yokhala ndi chipangizo chake cha NFC. Zachidziwikire, kukulitsa kumasiyanasiyana kumayiko ena, koma ku Czech Republic, makhadi nthawi zambiri amangomangiriridwa ku ma terminals (ndipo ngati ndalama zocheperako, PIN siyiyikidwanso) m'malo moyika ndikuwerenga khadi. kwa nthawi yayitali.
Monga ma terminals opanda kulumikizana amagwira ntchito pamaziko a NFC, sadzakhala ndi vuto ndi Apple Pay mwina. Pachifukwa ichi, palibe chomwe chingalepheretse Apple kuyambitsanso ntchito zake ku kontinenti yakale, koma pali chopinga china - kufunikira kwa mapangano omaliza ndi mabanki am'deralo ndi mabungwe ena azachuma. Ngakhale opereka makhadi omwewo, makamaka MasterCard ndi Visa, amagwiranso ntchito pamlingo waukulu ku Europe, Apple nthawi zonse imayenera kugwirizana ndi mabanki ena m'dziko lililonse. Komabe, poyamba adaponya mphamvu zake zonse pamsika wapakhomo, kotero amangokhala patebulo lokambirana ndi mabanki a ku Ulaya.
Koma kubwerera kumsika waku US. Izi, monga makampani onse okhala ndi zolipira, zidatsalira kwambiri. Chifukwa chake, ndizofala kuti makhadi amakhala ndi mizere ya maginito yokha, yomwe imafuna kuti khadi "isunthidwe" kudzera pa terminal pamalonda. Pambuyo pake, chilichonse chimatsimikiziridwa ndi siginecha, yomwe idatigwirira ntchito zaka zambiri zapitazo. Chifukwa chake poyerekeza ndi miyezo yakumaloko, nthawi zambiri pamakhala chitetezo chofooka kwambiri kutsidya lanyanja. Kumbali imodzi, pali kusowa kwa mawu achinsinsi, ndipo kumbali ina, kuti muyenera kupereka khadi lanu. Pankhani ya Apple Pay, chilichonse chimatetezedwa ndi chala chanu ndipo nthawi zonse mumakhala ndi foni yanu.
Pamsika wa ossified wa ku America, malipiro osagwirizana nawo anali osowa, omwe samveka kuchokera ku Ulaya, koma nthawi yomweyo akufotokozera chifukwa chake pali phokoso lozungulira Apple Pay. Zomwe United States, mosiyana ndi mayiko ambiri a ku Ulaya, sanakwanitse kuchita, Apple tsopano akhoza kukonzekera ndi zomwe adayambitsa - kusintha kwa malonda amakono komanso opanda zingwe. Mabizinesi omwe tawatchulawa ndi ofunikira kwa Apple chifukwa sizachilendo ku America kuti sitolo iliyonse ikhale ndi terminal yomwe imathandizira kulipira opanda zingwe. Iwo omwe Apple adagwirizana nawo kale, awonetsetsa kuti ntchito yake idzagwira ntchito kuyambira tsiku loyamba munthambi zosachepera mazana angapo.
Ndizovuta kulingalira lero komwe Apple ingakhale ndi nthawi yosavuta kupeza. Kaya pa msika wa ku America, kumene luso lamakono silili lokonzeka kwathunthu, koma lidzakhala sitepe yaikulu kuchokera ku yankho lamakono, kapena pa nthaka ya ku Ulaya, kumene, m'malo mwake, zonse zakonzeka, koma makasitomala akugwiritsidwa ntchito kale kulipira. mawonekedwe ofanana. Apple momveka idayamba ndi msika wapakhomo, ndipo ku Europe titha kuyembekeza kuti ithetsa mapangano ndi mabungwe akomweko posachedwa. Apple Pay sikuti imangoyenera kugwiritsidwa ntchito pazinthu wamba m'masitolo a njerwa ndi matope, komanso pa intaneti. Kulipira ndi iPhone pa intaneti mosavuta komanso ndi chitetezo chokwanira kwambiri ndi chinthu chomwe chingakhale chokongola kwambiri ku Ulaya, koma osati ku Ulaya kokha.
Nkhani yabwino, zikomo
Chipewa ku nkhani yabwino ngati imeneyi! Zikomo kwambiri, supr!
Nkhani yabwino kwambiri, pitilizani.
Nkhani yabwino kwambiri!
Ndikuyembekezera mwachidwi KOMA ndikuganiza kuti zitenga zaka kuti zifike kwa ife ndikufalikira ...
Chabwino, malinga ndi Visi, ziyenera kukhala ku Slovakia pafupi ndi February 2015. Zomwe ndinawerenga m'nkhaniyi zinali kuti ndife dziko lachiwiri ku Ulaya lomwe limagwiritsa ntchito malipiro osagwirizana kwambiri. Ndipo sindikuganiza kuti padzakhala vuto ndi Czech Republic ikakhala ku Slovak Republic.
Kodi iPhone 6 ndi 6 PLUS idzakhala ingati ku Slovakia mu theka la chaka? Ndikukayika kwambiri kuposa 10 zikwi. Palibe chifukwa chothamangira ku Slovakia.
Zikomo chifukwa chankhani yabwino. :)
Ngati mabanki akufuna kuti Pay ifalikire ku "Old Continent" (monga momwe amachitira), adzayesa kuthetsa mapanganowo mwamsanga.
Chifukwa chake ndikuganiza kuti chaka chamawa titha kuwona njira zoyambira za Apple Pay kupita ku Europe ndipo mkati mwa zaka 2-3 zitha kukhala muyezo.
Ndiko kulingalira kwanga. :)
Zonse zofunikira zomwe ndimafuna kudziwa za ntchitoyi zafotokozedwa mwachidule m'nkhani imodzi, zikomo! :)
Sindikumvetsa chifukwa chake aliyense amakhala woyipa nthawi zonse za MobileMe. Ndinkagwiritsa ntchito nthawi zonse, kuphatikiza magalasi awo okhudzana ndi iWeb, zomwe adagawana kuchokera ku iDisk, ndi zina zambiri. Kodi PhotoStream ap. zimandivutitsa
Kodi ndimalipira bwanji betri yanga ikatha?
Ndi khadi? Ndalama?
Kodi ubwino waukulu uli kuti ngati ndiyenera kunyamula khadi kapena ndalama?
Kodi foni yanu imatha kangati? Ngati nthawi zambiri, ndiye kuti Apple Pay si yanu.
Foni yakufa ili ngati galimoto yopanda mafuta. Thanki yopanda kanthu imatanthauza kuyimitsa.
Chabwino, akulondola (Macropus) wapampando :-)
Komanso, ngati foni yanu sikutha ngakhale tsiku limodzi osatchaja lero.
Izi zidzachitika nthawi zambiri, ndinganene.
Mwamwayi, takhala kuno kwa zaka x kutsatira anyani, kotero muyenera kukhala ndi ndalama ndi inu nthawi zonse.
Yankho, ndithudi, ndikukhala ndi chojambulira mu cafe ina iliyonse (malo odyera) (ndi cholumikizira choyenera, ndithudi :-) ).
Monga ngati zili kwinakwake, sizochuluka (m'malo mochuluka kwambiri). Ngati zili paliponse, zabwino - ndiye ndithokoze.
Muli bwino. Ngati ndilipira ndi khadi, ndiyenera kutulutsa chikwama changa chandalama ndi khadi m'thumba langa ndikulowetsa PIN yanga. Ndikadakhala ndi mwayi wolipira ndi iPhone, ndikadatulutsa iPhone m'thumba langa, ndikuyiyika ku terminal ndikutsimikizira ndi chala. Kwa ine, zingakhale bwino kulipira ndi iPhone, koma amene akufuna akhoza kusankha khadi.
Ndipo iPhone 6 ndi 6 kuphatikiza ali ndi moyo wautali wa batri kuposa akale.
Kodi tikudziwa momwe NFC imagwirira ntchito? Iyenera kugwira ntchito kuti mutsimikizire ndi PIN pa foni yotulutsidwa.
Ngati ndi choncho, zili bwino.
Ndilo funso lofanana ndi kufunsa kuti: "Ndipo ndingayimbe bwanji foni ndi foni yam'manja pamene batire yatha?" Yankho: "Kuchokera pa foni" Ndipo kodi foni yam'manja imagwiritsa ntchito bwanji ngati nditha kupanga foni. kuyimba pa foni?
Ndi momwe zilili ndi Apple PAY. Ndikuganiza kuti mulibe foni yam'manja ndipo mumangodalira foni yam'manja.
Wina amasiyanitsa kufunika pakati pa kulipira ndi kuyitana. Nanga bwanji kuyesa kuyankha momveka bwino monga, mwachitsanzo, a Horák.
Chofunikira kwa ine ndichakuti ndikapita patsogolo imakhetsa foni poyitcha usiku uliwonse. Ngati ndivomereza kuti foni ikhozabe kutha ndipo siyiyimbanso, ndikuvomeranso chimodzimodzi kuti ndilipire.
Ndikadaganiza chimodzimodzi monga inu, mpaka pano ndikugula matikiti a subway mu makina, bwanji ngati foni yanga ifa ndipo sindingathe kuwonetsa tikiti, mpaka pano ndimanyamula mamapu ndi kamera pamayendedwe anga, mpaka pano ndimalemba ntchito zanga mu notebook, zochitika ku kalendala yamapepala .... bwanji ngati foni yanga yafa ndipo sindimadziwa choti ndichite?
Ndikuzindikira kuti nkhaniyi ikunena kufunika kotsimikizira kulipira ndi chala, kotero kulipira ndi foni yozimitsa sikungagwire ntchito.
Ndikumvetsa. Ngati sikunali kotheka kulipira ndi foni yam'manja yakufa, ndikadanyamulabe khadilo, koma ndiye sindisamala kuti nditenga thumba lanji la foni yanga yam'manja kapena chikwama changa chandalama. Kupanda kutero, sindingayerekeze kudalira 100% pafoni yanga, kupatula kulipira matikiti ndi kalendala, ndichifukwa chake ndimanyamula mamapu ndi kamera pamaulendo anga (kuyenda sikukwanira ngakhale ulendo wa tsiku limodzi) ndi Nthawi zonse ndimakhala ndi zolemba zofunika m'mawonekedwe osindikizidwa.
Ndinachitanso kumeneko nthawi ina chakumapeto kwa zaka makumi asanu ndi anayi. Ndinkanyamula mamapu, kamera ndi GPS yoyendayenda, koma lero ndikutenga foni ndi batire lakunja poyenda.
M’nkhaniyo, wolembayo anaiwala chinthu chimodzi chofunika kwambiri. Apple idzaperekanso API ya malo ogulitsira pa intaneti kuti mutha kusankha njira yolipirira kudzera pa Apple Pay ndipo palibe chifukwa choyika nambala yamakhadi mu terminal ya POS kapena kulipira ndi banki kapena lowetsani mawu achinsinsi ku paypal kapena kulipira ndalama. pa kutumiza. Chitonthozo chowonjezereka ndi chitetezo chapamwamba.
Ine chabe kusankha mankhwala, kusankha Apple kulipira ndi iPhone amandionetsa uthenga kufunsa ngati ndikufuna kutsimikizira malipiro kwa sitolo ndi kuchuluka. Ndinayika zala zanga ndipo zatsimikiziridwa. Ngati ndilumikizanso ndi adilesi yomwe idalowetsedwa mu iTunes, sindidzafunikanso kulemba adilesi.
Nkhani yabwino kwambiri yofotokoza zenizeni. Vuto loyambitsa ntchitoyi pamsika wathu ndikuti Apple Pay iyenera kukhazikitsidwa mumisika "yaikulu" yomwe yalengezedwa kale ndipo pakadali pano palibe kuthekera kophatikiza zambiri mudongosolo. Kusiyana kwina chifukwa chake, mwachitsanzo, Apple Pay sigwira ntchito ku Czech Republic komanso ndi mabanki omwe ali ku USA ndi Czech Republic (mwachitsanzo, Citibank) ndikuti wopereka makhadi ku Europe ndi America ndi wosiyana. Ndikhulupilira kukuwonani chaka chamawa...
Kuchokera kwa onse opereka chithandizo, mutha kupeza mawu patsamba lathu omwe amawona zamtsogolo mu Apple Pay ndikuti akukonzekera. Sindikuganiza kuti opereka makhadi angakhale chopinga kwa ife. funso ndiloti zikutanthawuza chiyani kumbali ya banki. thandizo lililonse la SW? Zoyang'anira? Kusintha kwa ndondomeko? .. zovuta kunena. Komabe, ndikukhulupirira kuti banki yoyamba ikangokhala nayo, idzatengerapo mwayi pazamalonda.
Ndizosangalatsa kuwerenganso zinthu ngati izi pambuyo pa mabulosi onse..
nkhani yabwino, pamapeto pake palibe zachabechabe zomwe zalembedwa za malo olipira a Apple, ndi zina.
Kodi mwawona momwe apulo amapangidwira mu cinema? :-) Sakani pa YouTube pa "Foxconn: An Exclusive Inside Look" Ndizowona kuti malo ogwira ntchito ndi ena abwino kwambiri ngakhale akugwira ntchito masiku 6 pa sabata maola 10-12 patsiku ...
Chifukwa cha chidwi, fakitale iyi yomwe ili pamalo amodzi mdera la Shenzhen akuti ili ndi anthu opitilira 500.
Tikadakhala ndi pulogalamu yapamwamba kwambiri, zikanakhala zotheka kupanga chithunzithunzi chabwino cha ndalama zomwe zimagwiritsidwa ntchito ndikuwongolera zowonongeka ... Ndikuyembekezera ...
Sindikumvetsa chifukwa chake mabanki angafune kuthandizira mwamphamvu dongosolo lotsekedwa lomwe lizikhala ndi 15% ya ogwiritsa ntchito mafoni a m'manja. Ndipo zaka 2-3 zoyambirira ngakhale zochepa kwambiri, chifukwa iPhone 6 ndi apamwamba.
Ndikumvetsetsa kuti Apple ikhoza kukakamiza mwamphamvu, koma ndikuganiza kuti idzatha ngati "dongosolo lodziwika bwino la malonda" la Apple, pambuyo pake dziko lapansi linagwa ndipo aliyense adawonetsa kuti akuchirikiza kuyambira pachiyambi ndikuwona tsogolo lake.
Kupatula apo, njira yotsatsira yotchuka imagwira ntchito. Mumatsitsa pulogalamu yomwe imathandizira zotsatsa, ndipo mukaigwiritsa ntchito, mumawona zotsatsa. Ndipo wopanga amalandira gawo lazotsatsa pakuwona kulikonse.
Komabe, sitinganene kuti linali bomba lomwe limayenera kusintha dziko lonse la malonda (malinga ndi Jobs).
Ndimaletsa kutsatsa pa intaneti, koma sindikudziwa momwe ndingachitire pa iOS. Ndipo ndikatsitsa pulogalamu yokhala ndi zotsatsa kwaulere, mwina wopanga amalandira ndalama. Kapena nditha kugula pulogalamu yomweyo popanda zotsatsa zandalama zochepa.
Chifukwa chake ndimamaliza kuwona zotsatsazo pa iOS.
youtube, facebook, zive, sme, ... Nditha kusunga malonda kwanga. Osachepera sizikundivutitsa.
Ndinangoganiza za izo tsopano ndipo ndikuyembekeza kuti sindinaphonye penapake m'nkhaniyo. Kodi foni iyenera kulumikizidwa ndi intaneti kuti mulipire? Zingakhale zomveka kwa ine chifukwa cha zizindikiro, koma sindikumvetsa kwambiri.
Moni,
zikomo chifukwa cha nkhani yanu, koma chonde ndiloleni ndemanga zingapo pamutuwu.
Osachepera ndizosemphana ndi momwe APPL idachotsera komanso ndani, chifukwa cha zolipira za apulosi. Kapena chifukwa ali ndi mayankho ake pa "chitetezo ndi kutsimikizira", adachotsa "dongosolo logulitsira" lomwe lilipobe gawo la PAYMENT PROCESSOR, omwe ndi makampani omwe ali ndi udindo wokhazikitsa (chitetezo, kusamutsa, kutsimikizira) zolipira. ndi khadi amatenga mfundo 35 kuchokera pazochitika zilizonse. APPL itenga gawo lochepera la ndalamazi, koma kasitomala womaliza adzalipira zochepa kwambiri kuposa pano = DISCOUNT.
Komabe, ndalama zambiri zogulira zimatengedwa ndi mabanki, ndipo APPL "yakambirana" nawo china chake. Apanso, sizikudziwika kuti ndi chiyani komanso motani. Komabe, ndizomveka kuti mabanki adzakhala makasitomala atsopano, malonda atsopano, omwe angawabweretsere chuma chambiri (mtengo wamalonda amodzi ndi wotsika mtengo).
Ponena za Kukhudza ID, ndithudi ndikusintha, koma chinthu chofananacho chikukonzedwanso kwa Visa ndi Mastercard = HCE, kutanthauza kutsimikizira kasitomala kunja kwa dongosolo popanda "kutumiza" chizindikiritso chake pakati pa amalonda ndi mabanki, ndipo ndi njira yothetsera mapulogalamu.
Ponena za malipiro. makadi ku USA, komwe kulibe makhadi a EMV (malinga ndi Goldman Sachs, pali 1% yokha ya makhadi a chip ku USA !!), kotero kulipira kwa mafoni ndi mwayi ndipo "msika = oyerekeza" :-) ndikhulupirireni, kusinthira ku makhadi a EMV kuchokera ku USA ndikudumpha molunjika. Koma chifukwa cha makadi osakhala a chip ku US ndi amenenso amalipira "kuzunza" tsopano ndi amene adzakhala pamene aliyense asinthira ku chip (wamalonda vs. mabanki). Tsopano onse ali ndi inshuwaransi, ndipo mtengo wokweza POS (terminal/reader) ndiwokwera kwambiri kuposa inshuwaransi yomwe ilipidwa panopo motsutsana ndi nkhanza. Ichi ndichifukwa chake APPL idayenera kupereka API kuti ipangitse kukweza kwa POS (POS idzakhala IPONE/IPAD) yotsika mtengo momwe ndingathere, ndipo ndimawona kuti ndizofunikira kwambiri.
Ndikuwona njira ya Apple yolipira ngati yabwino kwambiri, koma kuti zonse "zichoke" padzakhala kufunikira kolumikizana ndi mabungwe ena ambiri mudongosolo (mabanki, okonza malipiro, opereka makadi, amalonda).
Payekha, ndikuganiza kuti ngakhale MSFT kapena FB ndi osewera ena ambiri pamsika sadzaphonya chinthu chachikulu chotere, kotero tili ndi zambiri zoti tiyembekezere.
Malipiro a Apple ndiabwino, koma sindikuganiza kuti kusinthaku kudzachitika mwangozi. Koma chofunikira ndichakuti "zayamba kale"... :-)
Mwa njira, yang'anani zitsanzo zochokera ku Africa, kumene nthawi yomweyo "adalumpha" kuchokera ku ndalama kupita ku malipiro a mafoni (Kenya, Nigeria). Anayamba kumeneko kalekale :-)
Ndikuyembekeza kuti zidzachitikanso kwa ife ... :-)
Zabwino zonse, Ales Vavra