Daniel Hruska Kulipira kwamakhadi ku United States kuli pamlingo wosiyana kwambiri ndi kuno ku Czech Republic, komwe mutha kulipira popanda kulumikizana pafupifupi "kulikonse". Mashopu ambiri komwe mungathe kulipira ndi khadi ali kale ndi malo olumikizirana. Komabe, makhadi akale okhala ndi zingwe zamaginito akulamulirabe ku US, ndipo Apple ikuyesera kusintha izi ndi machitidwe ake. Perekani.
Chilichonse chimamveka ngati nthano, Apple yafika pa mgwirizano ndi mabanki akuluakulu kumeneko, kotero pasakhale vuto. Koma mwina akubwera. Ndipo mwina uku ndi kulira kwakanthawi kwa nthambi yakhungu. Ogulitsa ena akugwira ntchito ndi Wal-Mart kuti asinthe kapena kuletsa zolipirira zopanda kulumikizana kuti makasitomala asathe kulipira ndi Apple Pay.
Wal-Mart, sitolo yayikulu kwambiri padziko lonse lapansi yochotsera, pamodzi ndi makampani ena, akhala akukonzekera njira yake yolipira ya CurrentC kuyambira 2012, yomwe iyenera kukhazikitsidwa chaka chamawa. The Merchant Customer Exchange (MCX), monga momwe bungweli limatchulidwira, ndilowopseza kwambiri Apple. Apple ndi Malipiro ake akungokwawa CurrentC, zomwe ndithudi okhudzidwa sakonda ndipo akuchita chinthu chophweka chomwe angathe - kudula Apple Pay.
Zinadziwika mwezi wapitawo kuti Wal-Mart ndi Best Buy sangagwirizane ndi Apple Pay. Sabata yatha, Rite Aid, malo ogulitsa mankhwala omwe ali ndi malo opitilira 4 ku US, adayambanso kusintha ma terminals ake a NFC kuti aletse kulipira kudzera pa Apple Pay ndi Google Wallet. Rite Aid imathandizira CurrentC. Mndandanda wina wa malo ogulitsa mankhwala, CVS Stores, unasungidwa mofananamo.
Kulimbana kwaukulu pakati pa zolipira zam'manja kumayambitsa kusamvana pakati pa mabanki ndi ogulitsa. Mabanki alandira Apple Pay mwachidwi chifukwa akuwona kuthekera kowonjezera kuchuluka kwa zogula (ndipo chifukwa chake phindu) lopangidwa ndi kirediti kadi ndi kirediti kadi. Chifukwa chake Apple idachita bwino ndi mabanki, koma osati kwambiri ndi ogulitsa. Mwa abwenzi apano a 34 omwe atchulidwa patsamba la Apple, asanu ndi atatu aiwo omwe ali ndi mayina osiyanasiyana amagwera pansi pa Foot Locker ndipo m'modzi ndi Apple yemwe.
Mosiyana ndi zimenezi, palibe banki imodzi yomwe inasonyeza kuti ikuthandizira CurrentC. Izi ndichifukwa choti dongosolo lonselo lapangidwa kuti lisadalire ulalo wapakati, ndiye kuti, pamabanki ndi ndalama zawo zolipira makhadi. Choncho, CurrentC sidzakhala m'malo kwa khadi malipiro pulasitiki monga choncho, koma m'malo mwapadera kwa makasitomala ndi kukhulupirika kapena prepaid makadi a sitolo funso.
Pulogalamu ya iOS ndi Android ikatuluka chaka chamawa, mudzalipira pogwiritsa ntchito nambala ya QR yowonetsedwa pa chipangizo chanu ndipo ndalama zomwe mwagula zidzachotsedwa nthawi yomweyo muakaunti yanu. Ngati mungasankhe kugwiritsa ntchito imodzi mwamakhadi operekedwa ndi abwenzi a CurrentC ngati njira yolipirira, mudzalandira kuchotsera kapena makuponi kuchokera kwa wamalonda.
Izi, ndithudi, zimakondweretsa amalonda omwe angakhale ndi machitidwe awoawo ndipo panthawi imodzimodziyo asamalandire malipiro a khadi. Chifukwa chake sizodabwitsa kuti, kupatula Wal-Mart, mamembala a MCX akuphatikizapo (maketani osadziwika pano) Gap, Kmart, Best Buy, Old Navy, 7-Eleven, Kohls, Lowes, Dunkin' Donuts, Sam's Club, Sears, Kmart, Bed. , Bath & Beyond, Banana Republic, Stop & Shop, Wendy's ndi malo ambiri opangira mafuta.
Tidikire mpaka chaka chamawa kuti tiwone momwe zinthu zidzakhalire. Mpaka nthawi imeneyo, zitha kuyembekezeka kuti masitolo ena atsekereza malo awo a NFC kuti aletse kulipira kwa omwe akupikisana nawo. Komabe, titha kuyembekeza kuti kuphweka kwa Touch ID mu Apple Pay kudzapambana pakupanga ma code a QR opanda pake ndikumangirira ndi makhadi okhulupilika ku CurrentC. Osati kuti zomwe zikuchitika ku US zimatikhudza mwachindunji, koma kupambana kwa Apple Pay kudzakhudza kupezeka kwake ku Europe.
Komabe, ngati tiyang'ana zomwe zikuchitika kumbali ina, Apple Pay imagwira ntchito. Zikapanda kugwira ntchito, ogulitsa sakanatsekereza ma terminals awo a NFC kuopa kutaya phindu lawo kuchokera ku CurrentC. Ndipo ma iPhones 6 atsopano akhala akugulitsidwa kwa mwezi umodzi wokha. Kodi chidzachitike ndi chiyani m'zaka ziwiri pomwe ma iPhones ambiri omwe amagwiritsidwa ntchito azithandizira Apple Pay?
Ogulitsa amathanso kuletsa Apple Pay chifukwa kasitomala samawapatsa zidziwitso zaumwini konse kudzera munjira iyi. Ngakhale dzina kapena surname - palibe. Apple Pay ndiyotetezeka kwambiri kuposa makhadi olipira wamba ku US. Mwa njira, kodi mumamva otetezeka kuti deta yonse (kupatula PIN) yalembedwa pa pulasitiki yomwe mungathe kutaya nthawi iliyonse?
Zomwe MCX ikuyesera kuchita ndikusintha china chake chotetezedwa ndikuyika china chosatetezeka kwambiri (mapulogalamu a chipani chachitatu sangathe kusunga deta mu Secure Element, mwachitsanzo, gawo la Chip cha NFC), chinthu chosavuta kuchitapo kanthu (Touch ID vs. QR). code) ndi china chake chosadziwika. Kukhala ku US, ConnectC sichingakhale ntchito yosangalatsa kwa ine konse. Nanga inuyo, mungakonde njira iti?
Kodi sikuchedwa pang'ono kuyesa chitetezo? Dongosolo limodzi silinatuluke pomwe lina lili poyambira. Ndipo zomwe tidzatanthauzira, pali anthu osiyanasiyana nthawi zonse, onani kutayikira kwa zithunzi kuchokera ku iCloud. Ndi makhadi olipira akale, adawonekanso osagwiritsidwa ntchito kuyambira pachiyambi, ndipo ndani akuganiza choncho tsopano?
Ndikayang'ana kumbali ina, mwachitsanzo, zimandivutitsa kwambiri momwe mabanki amayesera kuonjezera malire awo nthawi zonse. Sindikudabwa konse kuti amalonda akuyesera kuchotsa mabanki ku ndondomeko yolipira. Ngati ndikanawasiya pamene ndikusunga kuphweka kwa kulipira ndi khadi, ndikanakhala wokondwa kwambiri. Inde, sindikufuna kubwereranso ku nthawi yomwe ndimayenera kutulutsa envelopu ya ndalama pa kugula kulikonse.
Chabwino, vuto ndi CurrentC makamaka kuti imadutsa makadi akale polumikizana mwachindunji ndi akaunti yakubanki, yomwe ili kale min. izi ndizokhumudwitsa. Kuphatikiza apo, pali zinthu zina monga kutsatira kwa ogwiritsa ntchito ndi kugawana ma database pakati pa mamembala a consortium, komanso ndi anthu ena. Chosamvetsetseka kwambiri ndi mwayi wopezeka wofanana ndi khadi lathu laumoyo.
Chabwino, malire a mabanki polandira makhadi akucheperachepera. Kungokupatsani lingaliro la kuchepetsedwa kwa phindu la wopereka makhadi pambuyo powongolera chindapusa cha EU, atsika ndi mabiliyoni. Timawerenga paliponse kuti ma komiti ali pakati pa 1-5% - mtengo wapamwamba umakhala makamaka m'magulu owopsa ... Koma banki imapereka 1% ya komiti ku bungwe, ndipo ndi phindu, ngati mutachotsa ndalama zowonongeka. Kodi banki idzagulitsa chiyani pazatsopano?
Btw, mwina kampani iliyonse ikufuna kukulitsa phindu, mukuganiza bwanji?
Zomwe zingatheke: monga kuyankha kwa kutsekereza, Apple ndi Google zidzasintha malonda awo ndipo sizingalole kuti mapulogalamu a CurrentC awonjezeredwe ku AppStores zawo.
Ndizo chimodzimodzi zomwe wina ayenera kuyikapo. Appstore si sitolo yaying'ono ndipo uku ndikuzunza anthu okha (ofanana ndi Walmart). Sindimakonda kampani ina yomwe imayendetsa moyo wanga ndi bizinesi yawo monga kuletsa bitcoin ndi zina zotero.
Chifukwa chake mbiri ikuwonetsa kuti Apple (Ntchito) ikafuna, imapeza. Chitsanzo chofanana ndi, mwachitsanzo, kulepheretsa phy. Adobe kuti mutenge Flash mu AppStore. Pamene Adobe idatumizidwanso ku AppStore mkati mwa CS5, Apple inangosintha momwe zinthu zomwe zimapangidwa kudzera pa Xcode zitha kukhala mu AppStore.
Inde, izo zikutsimikizira mawu anga.
Ndidzakumba :) Unyolo wa hypermarket umatchedwa Walmart (Wal-Mart ndi dzina la woyendetsa). Kmart ndi Dunkin' Donuts anali pamsika waku Czech, Gap, Old Navy ndi Banana Republic akadali pano. Kotero izi si "zingwe zosadziwika".
Ndipo ndikukumba ndikundiuza kuti Old Navy ku CR ili kuti? :-) Ndimakhala ku Canada, ndili ndi Old Navy midadada iwiri kuchokera kumalo osungirako anthu, kotero sindikudziwa kuti ndinawonapo ku CR ...
Kodi CR Gap ili kuti? Ndingakhaledi ndi chidwi ndi zimenezo.
Eya, mukulondola… cholakwikacho chinakwawira. Zikomo. Sikunali ku Czech Republic, malo ogulitsira onse amawoneka ofanana :)
Zikungowoneka ngati kukuwa ... mkati mwa zaka ziwiri zitheka kulipira ndi Apple Pay ku Walmart nawonso - komanso ndi kutchuka kwakukulu.
Ndikuganiza choncho, Apple ili ndi mphamvu zambiri kuposa Walmart ina, ndikhoza kuganiza kuti eni ake a IP6 adzapita ku sitolo ina kuti athe kulipira malipiro a Apple, ku US ndizo za mtundu ndi omwe amakonda kwambiri Apple, monga Tim akuti, adzapita kukalipira komwe kuli malipiro a apulo ndipo posakhalitsa aliyense amagonja :) ndi momwe ndikuwonera :).
Ku sitolo ina? Ine sindikuganiza choncho. Mwinanso anthu ochepa, koma izi ndizosiyana (omwe amayenera kuyang'ana ndi foni yatsopano). Walmart ku US ili ngati TV Nova zaka 10 zapitazo - pali njira zina, koma siziyenera kusintha. Kuphatikiza apo, Walmart ili ndi malo ogulitsa kuwirikiza kawiri kuposa onse omwe akupikisana nawo (Kmart, Publix, Target, ShopKo, Meijer + BJ's ndi Costco for Sam's Club).
vuto ndiloti NFC yakhalapo kwa zaka 10 ku Japan
Inde, ndipo chifukwa chake zatha kale ndipo zidzathera pamenepo mu mawonekedwe ake amakono.
Chabwino, ndikuganiza kuti kasitomala adzasankha pamapeto pake. Pali mamiliyoni a eni ake a iPhone m'maboma, ndipo ichi sichinalinso chocheperako. Ndipo zambiri zidzabwera ndi wotchiyo. Pamapeto pake, Walmart ndi ena adzapambana akawerengera kuchuluka kwa mphamvu zogulira zomwe akutaya mopanda chifukwa. Iwo akunjenjemera tsopano, koma nawonso asintha, ayenera kutero mwazokonda zawo. Dongosolo lawo ndi losangalatsa kwa makasitomala okhulupilika ndipo dongosololi litha posachedwa.
Sikuti Apple ndi Google zokha zingayankhe poletsa pulogalamu yomwe ikubwera ya CurrentC, mabanki amathanso kulipiritsa ndalama zotuluka (malipiro) opangidwa kudzera pa CurrentC.
.. kuti maunyolo sakanatha kuwerengera?
Chabwino, sindikudziwa, zonse ndizotheka ku USA;)
Chonde fotokozaninso, CurrentC safuna banki konse, ikhoza kuchita popanda iyo.
Chifukwa chake Apple kapena Google sangathe kuletsa CurrentC.
Pulogalamu ya iOS ndi Android ikangotuluka chaka chamawa, mudzalipira ndi QR code ..."
Apple ndi Google ndi zofunika kwa CurrentC.
"Pulogalamu ya iOS ndi Android ikangotuluka chaka chamawa, mudzalipira ndi QR code yomwe ikuwonetsedwa pa chipangizo chanu ndipo ndalama zomwe mwagula zidzachotsedwa nthawi yomweyo ku akaunti yanu."
Chabwino, ngati izi sizinapangidwe kuti zikhale akaunti yakubanki, koma akaunti ya bonasi yolipiriratu, ndiye kuti muyenera kupeza ndalama ku akauntiyi mwanjira ina ..., mwina kudzera kubanki (ikhoza kulipidwa), wogwiritsa ntchito kapena kubetcha. terminal :-), yomwe poyerekeza ndi kugwiritsa ntchito foni yam'manja ndi zolemba zala ndizosautsa komanso zazitali kwa makasitomala.
Ndipo chifukwa chiyani Apple kapena Google sayenera kuletsa kapena kusapereka pulogalamu ya CurrentC m'masitolo awo yomwe ikuyenera kuyang'ana nambala ya QR?
Kotero motere ... "Kumbali inayi, palibe banki imodzi yomwe yasonyeza kuti ikuthandizira CurrentC. Izi ndichifukwa choti dongosolo lonselo lidapangidwa kuti lisadalire ulalo wapakati, ndiye kuti, mabanki ndi chindapusa chawo cholipira makadi. "
Zidzakhala zovuta kuti banki ifotokoze ndalama zosiyana ndi akaunti ina iliyonse. Kotero sindikanadandaula za izi konse.
Ndipo poganizira kuti ntchito ya PayPal imagwira ntchito, sindingakhale ndi nkhawa kuti itsekedwa mu AppStore.
Zikuwoneka kwa ine kuti tsopano Apple ikufunika ogulitsa ambiri kuposa ogulitsa a Apple.
Ndipo sizowona konse kuti sindigwirizana ndi Apple motsutsana ndi mabanki, mosiyana. Koma si zinthu zonse m’dzikoli zimene zili zosavuta.
Kupanda thandizo kungakhale chifukwa chakuti mabanki samamaliza mapangano apadera ndi maunyolo ogulitsa pautumikiwu. Iwo akhoza ziphatikizidwe mu kuphweka ndondomeko kutsegula, mwachitsanzo, sikokwanira kusaina kaundula pa phwando mu hypercam wanu ndipo chirichonse chidzayamba kugwira ntchito, koma kasitomala ayenera kuyambitsa ngongole mwachindunji kapena kutumiza ndalama mwa dongosolo CurrnetC nkhani. . Ndipo monga tikudziwira kale, ntchito iliyonse yomwe imakhala yovuta kwambiri kwa kasitomala ilibe mwayi wochita bwino (onani Mobito yathu).
Kotero, ndikufuna kuwona momwe ndingatumizire malipiro anga ku sitolo zambiri kapena ndiwonetsetse kuti ndili ndi ndalama zokwanira kumeneko, ndipo ndidzatha kugula m'masitolo okhawo. Ndipo aziwunikanso zomwe ndikugula ndi komwe, ndikunditumizira kutsatsa molingana. Ndipo kuti ndilipire, ndiyenera kukhazikitsa pulogalamu yawo pa smartphone yanga ndikusanthula nambala ya QR. Sizikanakhala zovuta kwambiri. Ndalama zabwino.
Kuchokera pazomwe ndidawerenga pazokambirana pamasamba akunja, zikuwoneka ngati kunyalanyada kwa masitolo ambiri.
Nkhaniyi ndi yosokoneza pang'ono. Apple ndi Google ali ndi malipenga m'manja mwawo, amatha kusintha malipiro a apulo ku makadi amakono aC ndipo sizovuta kwambiri, apo ayi Current C ikugwiritsidwa ntchito. Ndipo ndi maunyolo akuluakulu a 5, ambiri mwazinthu zomwe zatchulidwazi ndi gawo la unyolo umodzi waukulu, ndipo Wal-Mart ndi malo ogulitsa tsiku ndi tsiku monga Kaufland kapena Lidl. Apple ikhoza kunena kuti tidzasintha makhadi anu kuti agwirizane ndi malipiro a apulo kapena tidzakuchepetsani mu iTunes chifukwa mapulogalamu omwe mumalipira popanda chindapusa amachotsedwa. Apple ili ndi mwayi kuti dongosolo lake limagwira ntchito ndipo limatha kukankhira amalonda kuti asokonezeke
Apple basi salola CurrentC ntchito mu iTunes ndipo mulibe kuchita china chilichonse. Makasitomala amasankha okha momwe angagulitsire
Sizikhala zophweka choncho. Sindikudziwa mawu ndi mikhalidwe ya iTunes, koma kungonena kuti "sitikukonda ndipo ndichifukwa chake sitiyika pulogalamu yanu pa iTunes" mwina sizingagwire ntchito.
Chabwino, mikhalidwe ndi yakuti chirichonse chingapikisane ndi chinachake kuchokera ku Apple, kotero icho chikhoza kuchotsedwa ndipo ngakhale akaunti ya wopangayo ikhoza kuthetsedwa. Ngati Apple sakufuna izo, ndiye kuletsa popanda vuto lililonse.