Ondrej Holzman Masiku ano, zida zam'manja zimatha kusintha chilichonse. "Kusintha" kwawo kukhala khadi yolipira kumakhala kothandiza, mukangoyika foni yanu pamalo otsegulira ndikulipidwa. MUm'dziko la Apple, ntchitoyi imatchedwa Apple Pay ndipo 2015 anali mayeso ake oyamba.
"Tili ndi chidaliro kuti 2015 idzakhala chaka cha Apple Pay," adatero Tim Cook, poganizira chidwi choyambirira ndi kuyankha kwa amalonda koyambirira kwa chaka chatha. Miyezi yochepa chabe mutu wa Apple usanachitike ntchitoyo kuyimiridwa ndipo kumapeto kwa Okutobala 2014, Apple Pay inali yovomerezeka anayambitsa.
Patatha pafupifupi miyezi khumi ndi isanu yogwira ntchito, tsopano titha kuwona ngati mawu a Cook onena za "chaka cha Apple Pay" anali kungolakalaka chabe, kapena ngati nsanja ya apulo idalamuliradi gawo lazolipira zam'manja. Yankho liri pawiri: inde ndi ayi. Zingakhale zophweka kutchula 2015 chaka cha Apple. Pali zifukwa zingapo.
Sikoyenera kuyeza kupambana kwa Apple Pay ndi manambala ena panobe. Mwachitsanzo, ili ndi gawo lotani pazochita zonse zomwe si zandalama, chifukwa ku United States akadali ochepa. Tsopano ndikofunikira kwambiri kuyang'anira momwe ntchito ikukulirakulira, kukula kwa msika wonse wolipira mafoni komanso, pankhani ya Apple Pay, ndikuwunikiranso zina zomwe zimabweretsa kusiyana kwakukulu pakati pa msika waku America ndi msika. , mwachitsanzo, msika waku Europe kapena waku China.
Kupambana (un) nkhondo
Ngati tidayenera kuyesa 2015 ponena za yemwe adakambidwa kwambiri, ndiye kuti pamalipiro anali pafupifupi Apple Pay. Osati kuti kulibe mpikisano, koma mphamvu yachikhalidwe ya mtundu wa Cupertino komanso kuthekera kwake kukulitsa ntchito yatsopano mwachangu ikugwirabe ntchito.
Nkhondo yamakono ili pafupifupi pakati pa machitidwe anayi, ndipo awiri a iwo sanatchulidwe mwangozi dzina lakale la Apple - Pay. Pambuyo polephera ndi Wallet, Google idaganiza zosiya njira yatsopano ya Android Pay, Samsung idalumphiranso pagulu lomwelo ndikuyamba kutumiza Samsung Pay pama foni awo. Ndipo pomaliza, pali wosewera wamkulu pamsika waku US, CurrentC.
Komabe, Apple ili ndi mphamvu yolimbana ndi onse omwe amapikisana nawo pamagawo ambiri, kapena palibe amene ali bwinoko. Ngakhale kuti kugwiritsa ntchito mosavuta, chitetezo chachinsinsi cha wogwiritsa ntchito komanso chitetezo chotumizira chikhoza kuperekedwa mofananamo ndi zinthu zina zomwe zimapikisana, Apple inatha kupeza mabanki ochuluka kwambiri. Izi, kuwonjezera pa chiwerengero cha amalonda kumene malipiro a mafoni angaperekedwe, ndizofunikira ponena za kuchuluka kwa ogwiritsa ntchito omwe kampaniyo ingafikire.
Mfundo yoti ndi nsanja yotsekedwa ku chilengedwe cha apulo imatha kuwoneka ngati vuto la Apple Pay motsutsana ndi onse omwe atchulidwa. Koma ngakhale ndi Android Pay, simungathe kulipira kwina kulikonse kupatula ma Android aposachedwa, ndipo Samsung imatsekanso Malipiro ake pama foni ake okha. Chifukwa chake, aliyense amagwira ntchito mumchenga wake ndipo amayenera kudzipereka yekha kuti afikire makasitomala. (Mlanduwu ndi wosiyana pang'ono ndi CurrentC, yomwe imagwira ntchito pa Android ndi iOS, koma ili kutali ndikusintha mwachindunji kwa kirediti kadi; Komanso, ndi chinthu cha "America".)
Popeza ntchito zosiyanasiyana zolipirira mafoni sizipikisana mwachindunji, m'malo mwake, makampani onse angasangalale kuti pang'onopang'ono adalowa msika. Chifukwa chakuti ntchito iliyonse yotereyi, kaya ndi Apple, Android kapena Samsung Pay, idzathandiza kufalitsa chidziwitso ndi mwayi wolipira ndi foni yam'manja, panthawi imodzimodziyo idzakakamiza amalonda kuti agwirizane ndi machitidwe atsopano ndi mabanki kuti azigawira ma terminals ogwirizana.
Mitundu iwiri
Mwina mizere yapitayi sipanga zomveka kwa inu. Kufunika kwa maphunziro okhudzana ndi zolipirira zam'manja kapena ngakhale osalumikizana ndi chiyani, mukufunsa? Ndipo apa tikukumana ndi vuto limodzi lalikulu, kulimbana kwa mayiko awiri osiyana. United States motsutsana ndi dziko lonse lapansi. Ngakhale kuti Europe, ndi Czech Republic makamaka, ndi mtsogoleri pa nkhani ya malipiro osalumikizana, United States yagona tulo ndipo anthu kumeneko akupitiriza kulipira ndi maginito makhadi ndi kusuntha iwo kudzera mwa owerenga.
Msika waku Europe, komanso waku China, kumbali ina, wakonzekera bwino. Tili nazo zonse pano: makasitomala omwe ankakonda kugula pogwira khadi (ndipo masiku ano ngakhale mafoni a m'manja) kumalo osungiramo zinthu, amalonda ankakonda kuvomereza malipiro oterowo, ndipo mabanki amathandizira zonsezi.
Komano, Achimerika nthawi zambiri sadziwa za kuthekera kulipira ndi foni konse, chifukwa nthawi zambiri sadziwa kuti n'zotheka kale kulipira contactless. Apple, osati Apple yokha, ikuchita bwino. Ngati wogwiritsa ntchito sakudziwa kuti zosankha zotere zilipo, zimakhala zovuta kuti muyambe kugwiritsa ntchito Apple Pay, Android Pay kapena Samsung Pay. Kuphatikiza apo, ngati akufuna, nthawi zambiri amakumana ndi kusakonzekera kwa wamalonda, yemwe sangakhale ndi terminal yogwirizana.
Samsung idayesa kuthetsa vutoli la msika waku America popanga Pay yake kuti igwire ntchito osati ndi cholumikizira chosalumikizana, komanso ndi owerenga maginito, koma ili ndi mabanki mazana ochepera omwe akupereka makadi olipira kuposa Apple, motero kukhazikitsidwa kumalepheretsa kwina.
Ku United States, pali chinthu chinanso chomwe chikulepheretsa chilichonse - CurrentC yotchulidwa kale. Yankho ili silophweka ngati kuyika foni yanu ku terminal, kuyika nambala kapena chala ndikulipidwa, koma muyenera kutsegula pulogalamuyi, lowetsani ndikusanthula barcode. Koma vuto ndiloti maunyolo akuluakulu aku America ogulitsa monga Walmart, Best Buy kapena CVS kubetcha pa CurrentC, kotero makasitomala wamba pano sanaphunzire kugwiritsa ntchito ntchito zamakono.
Mwamwayi, Best Buy yachoka kale paubwenzi wake ndi CurrentC, ndipo titha kungokhulupirira kuti ena atsatira zomwezo. Yankho la Apple, Google ndi Samsung ndi losavuta komanso, koposa zonse, ndilotetezeka kwenikweni.
Kukula ndikofunikira
Apple Pay sinapangidwe kuti ikhale chinthu chaku America. Apple yakhala ikusewera padziko lonse lapansi kwa nthawi yayitali, koma dziko lakwawo linali loyamba pomwe lidakwanitsa kukonza mayanjano onse ofunikira. Iwo eniwo ku Cupertino mwina amayembekeza kuti abweretse njira yawo yolipirira kumayiko ena kale kwambiri, koma mu Januware 2016 zinthu zili choncho, kuwonjezera pa United States, Apple Pay imapezeka ku Great Britain, Canada, Australia, Hong Kong, Singapore ndi Spain.
Panthawi imodzimodziyo, poyamba panali zokambirana kuti Apple Pay ikhoza kufika ku Ulaya kumayambiriro kwa 2015. Pamapeto pake, inali pakati pawo, ndipo ku Great Britain kokha. Kukula kotsatira kumayiko omwe tatchulawa kunabwera Novembala watha (Canada, Australia) kapena tsopano mu Januwale, ndipo zonsezi ndi malire amodzi - Apple Pay imangothandizira American Express pano, zomwe zimakwiyitsa kwambiri ku Europe, komwe Visa ndi Mastercard. lamulira vuto.
Apple mwachiwonekere siinachite bwino pokambirana mapangano ndi kukopa mabanki, amalonda ndi opereka makhadi kuti athetse yankho lake monga momwe zinalili ku United States. Nthawi yomweyo, kukulitsa kwakukulu ndikofunikira kwambiri pakupititsa patsogolo ntchito.
Apple Pay ikadapanda kuyamba ku America koma ku Europe, zikadakhala ndi chiyambi chabwinoko ndipo manambala akadakhala abwinoko. Monga tanenera kale, ngakhale ndalama zonse zolipirira mafoni akadali nthano zopeka pamsika waku America, anthu ambiri aku Europe akudikirira kale Apple (kapena ina) Pay kuti ifike. Pakadali pano, tikuyenera kumamatira zomata zapadera pama foni athu am'manja kapena kuyika zotchingira zosawoneka bwino, kuti titha kuyesa lingaliro la tsogolo la zolipira popanda kulumikizana.
Ku UK, mwachitsanzo, anthu amatha kulipira kale ndi Apple Pay pamayendedwe apagulu, chomwe ndi chitsanzo chabwino chogwiritsa ntchito ntchitoyi. Zosankha zotere zikamakhalapo, zimakhala zosavuta kuwonetsa anthu zomwe kulipira kwa mafoni ndikwabwino komanso kuti sikungotengera luso laukadaulo, koma chinthu chothandiza komanso chothandiza. Masiku ano, pafupifupi aliyense amakwera sitima yapamtunda kapena yapansi panthaka ali ndi foni yam'manja, ndiye bwanji mukuvutikira kupeza chosintha kapena khadi. Apanso: uthenga womveka bwino komanso wodziwikiratu ku Europe, maphunziro osiyana pang'ono komanso oyambira amafunika ku America.
Europe ikuyembekezera
Koma pamapeto pake siziri zambiri za United States. Apple ikhoza kuyesetsa kwambiri, koma kusinthira kampaniyo (osati makasitomala okha, komanso mabanki, ogulitsa ndi ena) kuti azilipira popanda kulumikizana ndi matekinoloje atsopano kumatenga nthawi. Ngakhale ku Ulaya, kugwiritsa ntchito tepi ya maginito sikunayime usiku wonse, koma tsopano tili ndi kutsogolera kwa nthawi yaitali ku America - mosiyana ndi miyambo wamba.
Chinsinsi ndichotengera Apple Pay ku Europe posachedwa. Komanso ku China. Msika kumeneko mwachiwonekere ndi wokonzeka kulipira mafoni kuposa waku Europe. Chiwerengero cha zolipira zam'manja zomwe zimaperekedwa pamwezi ndi mazana a mamiliyoni, ndipo anthu ambiri kuno alinso ndi ma iPhones aposachedwa ofunikira ku Apple Pay. Kupatula apo, iyi ndi nkhani yabwino ya 2016: kuchuluka kwa ma iPhones aposachedwa kudzawonjezeka padziko lonse lapansi, komanso mwayi wogwiritsa ntchito foni kulipira.
Ndipo popeza Apple ikuwoneka kuti ikupita ku China ndi Malipiro ake m'miyezi ikubwerayi, msika waku China ukhala msika wofunikira kwambiri kwa chimphona cha California kuposa waku America chifukwa cha zomwe amachita komanso kuchuluka kwa mafoni.
M'miyezi ikubwerayi, Europe mwina sadzakhala ndi chochita koma kuyang'ana mwachisoni. Ngakhale, mwachitsanzo, oimira Visa adalengeza kale atangoyambitsa ntchitoyo mu 2014 kuti anali ndi chidwi chothandizira Apple pazokambirana ndi mabanki apakhomo ndipo adatha kukulitsa Apple Pay ku Ulaya konse, kuphatikizapo Czech Republic, mwamsanga. zotheka, palibe chomwe chikuchitika.
Spain, yomwe yangowonjezeredwa kumene ku kampani yosankhidwa, ikuwoneka ngati kulira mumdima, makamaka pamene mgwirizano uli ndi American Express, ndipo pambali iyi tiyenera kuganizira za Great Britain pang'ono za Solitaire, zomwe sizimawonetsa bwino zomwe zikuchitika mu kontinenti ina yonse.
M'malo mwake "zaka" za Apple Pay
Titha kutcha 2015 chaka cha Apple Pay, mwachitsanzo, chifukwa ngati dzina limamveka nthawi zambiri ndi media, linali yankho la Apple. Ndizovuta kunena kuti Apple ili ndi mphamvu zochulukirapo kuposa zonse zokankhira zolipira zam'manja mwachangu komanso bwino kwambiri, pongoganizira ma iPhones angati omwe amagulitsa kotala lililonse lomwe ndi lofunikira pa Pay. Nthawi yomweyo, mayankho opikisana nawo akukula nawo, ndipo gawo lonse lamalipiro am'manja likukulirakulira.
Koma tiyenera kulankhula za "chaka chenicheni cha Apple Pay" ngati nsanja yokhumba iyi idzakhala ndi chiwopsezo chenicheni. Ikadzadutsa ku United States, yomwe si funso la chaka, ndipo koposa zonse ikafika padziko lonse lapansi, chifukwa ngati ikuyenera kugwira kulikonse tsopano, idzakhala China ndi Ulaya. Tikuyenda mu nthawi yayitali pomwe Apple Pay ikuzungulira pang'onopang'ono mawilo ake, omwe pamapeto pake amatha kukhala colossus wamkulu.
Panthawi imeneyo tidzatha kukambirana za izo ku ndi nthawi ya Apple Pay. Pakadali pano, awa akadali masitepe a ana, omwe amalepheretsedwa ndi zopinga zazikulu kapena zazing'ono zomwe tafotokozazi. Koma chinthu chimodzi ndi chotsimikizika: Europe ndi China zakonzeka, ingogogoda. Tikukhulupirira zikhala mu 2016.
Payekha, ndikuganiza kuti palibe chomwe chidzachitike mu 2016 ... Ndikakambirana, mwachitsanzo, oimira mBank, amandiyang'ana ngati kuti ndagwa kuchokera pamtunda ndipo amati, "Ndani pakati pathu ali ndi iPhone kapena Apple Watch? " Izi ndizochepa kwambiri kotero kuti zilibe tanthauzo kwa ife ndipo anthu sakuzifuna, choncho sizikupanga nzeru kuti tithane nazo.
Monga ndikudziwa kuti zitha kukhala zosiyana m'mabanki ena, koma uthengawo ndi woti sakuwona bizinesi momwemo, ndiye chifukwa chiyani akuyenera kuthetsa?
"Ndani pakati pathu amene ali ndi iPhone ... Komano, ndinganene kuti anthu ambiri oyenda m'manja amakhala ndi ma iPhones, ndipo sindikumvetsa kuti ndi ntchito ina yanji yolipira yomwe akuyenera kuchita nayo pakadali pano kuposa Apple Pay?" …
Tidaseweranso polemba kuti sindikufuna kukopa anthu am'manja kwambiri ndi ma iPhones... Ndipo ndikufunseni, mumagwiritsa ntchito banki iti?
Chifukwa chake ndimakonda mBank kwambiri, kupatula kuti zonse ndi zaulere (koma mabanki onse ali nazo tsopano, kotero palibe kugawa), kotero ndimakonda kwambiri mabanki awo a intaneti, ndikutha kulembanso zinthu zomwe zili m'mawu ndi anga. zolemba ndi zolemba, kugawa ndalama zokha, kuyika ndalama zogulira ndi ma tag (zofunikira pakukonzekera bajeti mwachangu), kutumiza ndalama kudzera pa SMS osadziwa nambala yangongole ya wolandirayo, kugawa zomwe zachitika m'mawuwo muzinthu zingapo, kuwona bajeti yanthawi yotsatira. tsamba loyambira, ndi ndalama zingati zaulere zomwe ndili nazo, ndalama zomwe ndakonza komanso ndalama zingati zomwe ndingathe kutaya panthawi yoyang'aniridwa kuchokera kumalipiro mpaka malipiro, fufuzani zochitika m'malemba athunthu ndi wothandizira komanso ndikuwonetseratu zochitika. Zaka 4 zapitazo... Ndimasangalala kwambiri ndi zinthu izi ku mBank ndipo sindinaziwone ku banki ina iliyonse, ndipo zandiwonjezera phindu lalikulu poyerekeza ndi mpikisano ... Ndicho chifukwa chake ndimagwiritsa ntchito mBank.
Koma ndithudi si golide onse kuvutika, mwachitsanzo iwo ali ndi mtheradi woyipitsitsa mitengo kuwombola pamene kulipira ndi khadi kunja ndipo ine kufotokoza izi ndi mfundo yakuti anthu sadziwa ndipo sasamala ndi kuti ndi nkhani yaikulu ndithu. kwa iwo.. Palibe chaulere.. :)
koma banki ilibe chochita nazo. Ndiwogawa ukadaulo wolipira. Zomwe kwa ife ndi MasterCard ndi Visa. Banki sidziwa konse zomwe mudalipira kudzera pa Apple Pay. Zidziwitso ku banki ngati ntchito ya kirediti kadi ...
Chabwino, izo si zoona kwathunthu. Osachepera banki ili ndi chochita ndi izi, kuti imapereka ma terminals kwa ogulitsa (masitolo). Ndipo koposa zonse, ma terminals ayenera kuphunzira kugwira ntchito ndi Apple Pay. Panthawi imodzimodziyo, idzafunika kugulitsidwa mochenjera kwa anthu, kotero kuti banki ipange phokoso la izo kachiwiri, chifukwa cha izo. Zoonadi, kubwerera kungawonekere kwa nthawi yayitali, koma sikudzakhala nthawi yomweyo.
Ambiri mwa ma terminal akhala akugwirizana ndi ife. Ndi zomwe zili - msika wathu wakonzeka. Mukungoyenera kupanga mapangano, lomwe ndi vuto lalikulu.
Ndendende. Kulipira kwamakhadi osalumikizana ndi nfc
Zoona kwathunthu pa aliyense ngakhale osalowa pini? Chabwino, ndawerengapo kanthu za izo, koma ngati izo zayesedwadi ndipo zimagwira ntchito, sindikumvetsa kuti vuto ndi chiyani?
Chabwino, sindiri wotsimikiza za mfundoyi, ndikuganiza kuti payenera kukhala zoikamo pamenepo, chifukwa ndikuganiza kuti ndikalipira ndi Apple Pay, sindidzafunika kuyika PIN pa terminal ngakhale kupitilira 500 CZK. ndipo ndidzaloledwa kugwiritsa ntchito TouchID pa foni yam'manja ngati wotchi, ngakhale zili choncho, kapena ndi PIN yomwe ndimalowa ndikayiyika pa dzanja langa.. Ndipo ndikuganiza kuti iyenera kukhazikitsidwa mwanjira ina. .. Ndipo ngati zinali zotheka kale, ndiye kuti zikanakhala zotheka kulipira m'malo onse ku CR ndi khadi la Chingerezi ku Apple Pay, koma ndikuganiza kuti sizili choncho.
Kupatula apo, izi ndi zomwe zimachitika. Ngati muli ndi khadi yaku America mu iPhone yanu, Apple Pay imagwiranso ntchito ku Czech terminals.
Inenso sindimagwirizana kwathunthu ndi izi, mwanjira ina banki, monga woyang'anira makhadi olipira awa, ayeneranso kutenga nawo gawo mu dongosololi.
Ndizochititsa manyazi kwambiri kuti mBank sakuzifuna konse ndipo alibe nazo chidwi. Ngati akanafuna, ndikadakhala ndi chidwi ndi izi, lembani ku mastercard / visa apulo ndikupeza zomwe zingatheke, koma iwo sanachitepo kanthu pa ine monga choncho? Ndipo ankanamizira kuti ndi ndalama zosafunika ku banki basi ndipo siziyenera kwa iwo. :( Zomwe zimawoneka ngati njira yomvetsa chisoni kwambiri kwa ine. musaganize.
Pomwe banki ikuyambitsa Apple Pay, banja lathu lonse limasintha. Koma mwatsoka, sindikuganiza kuti aliyense adzayiyambitsa posachedwa. Kumbali ina, mofananamo, sindinkaganiza kuti Spotify, Netflix idzabwera ... Tikufika pang'onopang'ono ndi dziko lapansi, kotero ndikuyembekeza kuti tidzawonanso.