Plastic kaadị dịwo anya akụkụ nke ndụ anyị. Obere, adaba ugwo ngwá ọrụ, nke-fọrọ nke nta n'ebe ọ bụla n'ụwa. Ọzọkwa nnọọ nchebe. Anyị ga-echeta mgbe niile a pin koodu na-hụ na kaadị bụghị e efu, ma ọ bụ na-zuru CVV na, n'ihi na ihe atụ, na-akwụ maka ịzụrụ na online store. Ma e nwere ihe ọzọ na ngwọta - PayPass. Gịnị ka ọ bụ na otú iji ngwá ọrụ a, ị ga-amụta site na nke a n'isiokwu a.

definition

PayPass - a contactless ugwo technology site nke ụlọ akụ kaadị MasterCard. Iji kwuo iji mee ka a kaadị na a microprocessor na ọnụ. Nke a bụ PayPass technology. N'ezie, kaadị bụ a mgbawa na poolu. Na Taiwan, na USA, Spain na Turkey MasterCard PayPass microprocessor agbakwunyere na-ese, mobile phones na ihe ndị ọzọ na onye na-eburu ya na ya ụbọchị ọ bụla.

Nke a ala ugwo usoro na-enyere dị mfe, ngwa ngwa na-adịghị ize ndụ na-ebu obere ịzụrụ. Ugbu a, n'oge na ugwo ọ dịghị mkpa na-ata ahụhụ na he, okodu kaadị site na ọnụ, banye akwụkwọ ndenye ego. The ọrụ nanị aka pụrụ iche ọnụ. PayPass technology bụ nnọọ uru na ubi nke ahia ibu na ala na-eri ma na elu azụmahịa ọnụego. Ma n'ihi na ya ọtụtụ development n'ọdịnihu, ọ dị mkpa ike nchekwa nke arụmọrụ.

History of development

Na 2003, MasterCard 9 ọnwa nke-anwale ojiji nke contactless technology na Orlando, Florida. Na 60 dị iche iche ihe na ọrụ na-akwụ ụgwọ 16 puku map. Ke ukem ụlọ ọrụ na-arụ ọrụ site na ya ndakọrịta na Nokia, JPMorgan, AT & T maka iwebata PayPass n'ime mobile phones. 50 nde unit e mepụtara na 2008. N'oge a, 77% nke ọrụ na-eji contactless technology dị ka isi n'ọnụ ugwo. Site 2010, PayPass na oru na Bulgaria na Slovakia, na-aka nke ndị ọrụ bụ 75 nde kaadị, nke were 230 puku ọnụ. Dị ka ego akụkọ nke ụlọ ọrụ maka afọ 2012, mmepụta olu mụbara site 50% ruru ọnụ ọgụgụ nke ndị ọrụ ofụri Europe. PayPass kaadị taa mbipụta na Russian ego Bank na Privat na Ukraine.

Ọ mara nwere nke PayPass

Gịnị ka ọ pụtara? Contactless azụmahịa bara uru niile ahịa sonyere: eji ọkụ, ụlọ ọrụ achụmnta na anoghi n'ulo oba. Financial oru enye ndị ahịa ha na a ukwuu ọnụ ọgụgụ nke ịkwụ ụgwọ ụzọ, issuers - na-abawanye na akaụntụ ịgụ iguzosi ike n'ihe kaadị mmemme. Nke a technology nwere ike zuo ezu ọ bụla n'aka, debit, ngalaba-mbọn na ndị ọzọ omume.

Trade òtù, nke arụnyere PayPass ọnụ nwere ike ịrụzi ya ahịa na a elu larịị. Mbenata ọnụ ọgụgụ nke arụmọrụ na ego ọrụ accelerates usoro na ana achi achi ukwuu arụmọrụ. The mbụ isi ụlọ ọrụ na malitere iji MasterCard PayPass, - bụ McDonald si. N'oge na-adịghị, ndị nwere mmasị na nkà na ụzụ ọhụrụ bịara na Player na golfers. The contactless usoro ugbu a na-eji na turnstiles, vending igwe, wdg

PayPass: ebe e na wepụtara na Russia

The mbụ contactless ugwo na Russian Federation ẹkenịmde 09.09.08 na Moscow restaurant "Ise Star". The mbụ kaadị e nyere PayPass Industrial Bank na 2010. Ọ a na ndokwa hapụ a iche iche kaadị mbipụta maka ụmụ akwụkwọ na ndị nkụzi. Ha ga-eji ọ bụghị nanị maka ya bipụta ya, nzube, ma na-dị ka a ndekọ akwụkwọ na studbilet.

Ebe ọ bụ na 2011, a kaadị na a magnetik straipu na mgbawa manufactures "Raiffeisenbank". Ya free enye ahịa n'okpuru "Premium" ngwugwu. Ma n'ihi ga nwere a kacha nta itule nke 2 nde rubles. ma ọ bụ 1 nde, ma ọ bụrụ na na a ọnwa ga-eji ihe karịrị 25 puku. ete. Ahịa ndị na-adịghị soro ọnọdụ a ga-a kwa ọnwa ụgwọ 3000 rubles.

Analogues na ụwa

Contactless teknụzụ nwekwara adị Visa usoro. PayWare - analogue PayPass. Gịnị ka ọ pụtara? Visa na jcb Co. Ltd. bịanyere aka nkwekọrịta na mmepe nke MasterCard nabata ka a otu protocol, ie niile contactless technology ga-anwale site n'otu atụmatụ, huu ndakọrịta nke niile ụdị.

Isi uru nke contactless ugwo:

• oge a na ụzọ nke ngụkọta oge;
• eluigwe na ala n'aka ugwo - a akụ kaadị ike ga-eji ọ bụghị nanị na na ọhụrụ na ngwaọrụ, kamakwa ọtụtụ ATMs na naa ọnụ;
• ogologo ọrụ ndụ;
• elu na-agba kwụọ ụgwọ;
• nchedo wayo.

Ma, e nwere otu nnukwu drawback - enweghị akụrụngwa, ndị na-eri nke bụ otú nnukwu na ma mmiri ma ọ bụ ndị ahịa na ọ dịghị eme ọsọ ọsọ itinye ego na ya. Na UK maka 3 afọ na anyị arụnyere na ọnụ na naanị 10% nke na-echekwa.

PayPass: otú iji

N'ihi a pụrụ iche mgbawa contactless kaadị ịkwụ ụgwọ nwere ike nta na-enweghị Nyocha njide. Ndị dị otú ahụ arụmọrụ na-ejedebeghị na 15 dollars na United States, 50 PLN Poland, 10 pound na UK ke 1000 rubles - Rosiii. Operations na nnukwu ichekwa ga-ede na mbinye aka nke nnata, ma ọ bụ na-abanye PIN-koodu. Ma, ọ bụghị niile mmiri na-ekwe. Ihe atụ, na Germany na Austria na ikpe nke-uku na ịgba nke ugwo ga-ebu ot kọntaktị usoro.

MasterCard malite debit na kaadị PayPass. Olee otú iji a contactless mgbawa?

Mgbe ọ bụla azụmahịa ego na-debited si gị akụ ma ọ bụ na akaụntụ. Ebe ọ bụ na ndị na-abụghị na kọntaktị njikọ, kama nke kaadị nwere ike iji na ịkpọ ndị RFID isi fob, a ama na NFC, na na. D. ngwongwo nwere ike na-akwụ ụgwọ na ahia ihe na logo PayWave Visa, PayPass. The ọnụ egosi usoro nke ịgụ a ụda mgbaàmà. The ọrụ adịghị-agafe na kaadị na ihe ọjọọ aka, tinye PIN-koodu, banye nlele. Iji mee ka na ọnụ obere akpa na kaadị. Inside, e kwesịrị ọ bụla ọzọ plastic ebu na a mgbawa. Na Germany ha na-arụnyere na njirimara kaadị.

nchekwa

Contactless azụmahịa budata belata oge. Ma na okwu nke nche enye ọrụ a ọtụtụ ajụjụ. The RFID mgbawa nwere ike ịbụ ikpe remotely mmepụta oyiri na kaadị na a anya nke 2 cm. Nke a bu eziokwu na-akpọ n'ime ajụjụ zuru na-abụghị na kọntaktị iji.

PayPass egbochi kpọmkwem ọgụgụ na RFID. The mgbawa e dere ozi banyere ọnụ ọgụgụ na oge nke kaadị ndaba, na ọ bụ ezughị kụziere online azụmahịa. N'ihi na ọ bụla azụmahịa eme a otu oge koodu. Ọ bụrụ na anyị iche na ya ruo mgbe ojiji nke kaadị, ị nwere ike ịmepụta ya mmepụta oyiri. The mbụ ngwa nke a oyiri koodu mma, na ugboro ugboro na mbụ n'ihi na nkwusioru nke ma na-ebu. Nyere ala azụmahịa ókè, kaadị cloning abaghị uru.

Mee a ọtụtụ arụmọrụ nke mobile ọnụ ga-arụ ọrụ. Na ebe a nnukwu bi data dị otú ahụ arụmọrụ ga-abịa na e nyere ikike center n'èzí na-enweghị ike iji kaadị na-enweghị ikike. Ndị dị otú ahụ na usoro nyochaa onye ọ bụla site na koodu ma nwalee ya maka a oyiri. N'ihi na zuru ezu ozi nchebe enyocha a map, n'ihi na ihe atụ, kechie ya na foil.

Ebe iji MasterCard Mobile PayPass technology

Na Moscow, St. Petersburg na ndị ọzọ isi Russian obodo "contactless" ọtụtụ ihe dị ka Ahịa, cafes, ụlọ oriri na ọṅụṅụ, pharmacies, gas ụgbọ, mma salons na yiri iche. Ke adianade do, ụfọdụ òtù jide mbak maka PayPass technology ọrụ. Ka ihe atụ, ke edere edere isi obodo ruo mgbe ọgwụgwụ nke February, akwụ ụgwọ maka iji na ọkacha mmasị gị ụlọ ahịa kọfị na a ama, ị nwere ike nweta a kọfị dị ka onyinye.

adịbeghị anya ozi ọma

Petersburg Metro kemgbe January 2015 malitere ịnabata contactless ịkwụ ụgwọ na niile turnstiles. Na a ugwo kaadị debited ego hà ụgbọ tarifu. Kụziere a azụmahịa nwere ike na-tebụl ekpe akpa turnstile. Iji kwuo ezughị iji weta kaadị na-acha odo odo gburugburu. On ẹkụre azụmahịa na turnstile amama acha anụnụ anụnụ.

N'aka ugwo nwekwara ike mee nche Watch2Pay - ngwaahịa nke ụlọ akụ "AK Ogwe". Naanị na Kazan ọnụ ọgụgụ nke ndị tupu iwu ihe karịrị otu puku. Retail price nke ngwaahịa - 3000 rubles. Russian Federation. Plastic elekere na ọtụtụ nsụgharị (ọcha, nwa, red, acha anụnụ anụnụ) nwere bukwanu ọkpụrụkpụ. E wezụga clockwork Seiko Epson na ha e nwekwara a oghere maka a SIM-kaadị. Agụnye classic contactless kaadị. Iji rụọ ọrụ elekere, mkpa ka izipu ha a SMS na nọmba kaadị.

N'oge okpomọkụ nke 2014, i nwere ike iji a ama na NFC, iji kwụọ ụgwọ maka ọha iga. Iji mee nke a, ndị ọrụ mkpa iji nweta a pụrụ iche SIM-kaadị na tupu iga ngwa. N'ihi na ugwo gị mkpa iji mee ka ekwentị gị ka a validator, nke bụ onye na-eduzi. Na Metro ha na-arụnyere na turnstiles. Ị nwere ike iji elekere na Kazan ka a ngafe na IT-ogige. Iji mee nke a, na ụzọ mbata egwuregwu na-n'ịnyịnya Control ọnụ - infomats. Tatarstan nke karịrị 150 nkeji.

nchịkọta

Na plastic kaadị pụtara kwesịrị nnọchi - PayPass. Gịnị ka ọ bụ? Contactless technology, nke na-eji ngwaọrụ mgbe na-eme ego na a mgbawa na poolu. Iji gosi na ugwo na-adịghị mkpa iji tinye a PIN ma ọ bụ banye akwụkwọ ndenye ego. -Emetụ kaadị a pụrụ iche ọnụ. Anọru arụmọrụ a na-ejedebeghị na-esite akụ, ma ọ dịghị ihe karịrị 1000 rubles na Russia. Jiri nke technology nwere ike ọ bụghị naanị site na kaadị. Ọ bụghị otú ahụ ogologo oge gara aga na ọ pụtara Watch2Pay elekere na otu mgbawa maka 3000 rubles. Ke adianade do, smart igwe na NFC, ị nwere ike ịkwụ ụgwọ maka njem na ọha iga. Ma ọ ga-azụ a SIM kaadị na a pụrụ iche tupu wụnye ngwa. The zuru mmepe nke technology ịghọta site enweghị akụrụngwa na obere obodo.