Momwe Malipiro a Bluetooth Akutsegulira Zatsopano Zatsopano

Malipiro a Bleu Bluetooth

Pafupifupi aliyense amawopa kutsitsa pulogalamu ina akakhala pansi kuti adye ku lesitilanti. 

Pamene Covid-19 idatsogolera kufunikira koyitanitsa popanda kulumikizana ndi kulipira, kutopa kwa pulogalamu kudakhala chizindikiro chachiwiri. Ukadaulo wa Bluetooth wakhazikitsidwa kuti uthandizire kugulitsa ndalama izi polola kulipira mosakhudza nthawi yayitali, kutengera mapulogalamu omwe alipo kuti atero. Kafukufuku waposachedwa adafotokoza momwe mliriwu udapititsira patsogolo kukhazikitsidwa kwa matekinoloje olipira digito.

Ogula 4 mwa 10 aku US asintha kugwiritsa ntchito makhadi osalumikizana kapena zikwama zam'manja ngati njira yawo yolipira kuyambira pomwe Covid-19 idagunda.

PaymentsSource ndi American Banker

Koma ukadaulo wa Bluetooth umayenderana bwanji ndi kupita patsogolo kwa matekinoloje ena olipira opanda kulumikizana monga ma QR ma code kapena kulumikizana kwapafupi?NFC)? 

Ndi zophweka: Kupatsa mphamvu kwa ogula. Jenda, ndalama, ndi dera zonse zimakhudza momwe wogula ali wofunitsitsa kugwiritsa ntchito ukadaulo wolipira m'manja. Koma popeza aliyense ali ndi mwayi wogwiritsa ntchito Bluetooth, imapereka mwayi wolonjezedwa wanjira zosiyanasiyana zolipira ndipo imatha kufikira anthu osiyanasiyana. Umu ndi momwe Bluetooth imatsegulira malire atsopano ophatikizira azachuma. 

Democratizing Contactless Malipiro 

Covid-19 idasintha kwambiri malingaliro a ogula pankhani yolipira osalumikizana nawo ngati kukhudzana kochepa pa Points of Sale (POS) chinakhala chofunikira. Ndipo palibe kubwerera - ndi inapita patsogolo kulera matekinoloje amalipiro a digito ali pano kuti akhalebe. 

Tiyeni tione mmene zinthu zilili kusowa kwa ma microchips zomwe zakhudza kwambiri kupezeka. Zikutanthauza kuti makadi adzatha pamaso ndalama, ndipo zimenezi zingapangitse kuti anthu asamapezeke m’maakaunti aku banki. Chifukwa chake, pakufunika kuwongolera njira zolipirira izi zisanachitike.

Ndiye, ngakhale ndi cryptocurrency, pali dichotomy yachilendo. Tili ndi ndalama zosungidwa ndi digito, komabe masinthidwe onsewa a crypto ndi ma wallet amatumizabe ndikutulutsa makadi. Chatekinoloje kumbuyo kwa ndalamayi ndi digito, kotero zikuwoneka zosamvetsetseka kuti palibe njira yopangira malipiro a digito. Ndi ndalama zake? Zovuta? Kapena mpaka kusakhulupirirana? 

Ngakhale bungwe lazachuma nthawi zonse limayang'ana njira zotumizira ntchito zamalonda, sizikuwoneka kuti zikugwira ntchito pama terminal. Apa ndipamene pamafunika njira zina zoperekera zokumana nazo zabwino patsogolo. 

Ndiukadaulo wa Bluetooth womwe umapatsa amalonda ndi makasitomala mwayi, kusinthasintha, ndi kudziyimira pawokha m'njira yomwe amasankha kusinthanitsa mtengo wina ndi mnzake. Zochita zilizonse zodyera kapena zogulitsira zitha kusinthidwa chifukwa palibe chifukwa chotsitsa mapulogalamu osiyanasiyana kapena kusanthula nambala ya QR. Pochepetsa kukangana, zochitika izi zimakhala zosavuta, zophatikiza, komanso zofikiridwa ndi onse. 

Ubiquity Pakati pa Mitundu Yosiyanasiyana Yamafoni

Tikamayang'ana misika yomwe ikubwera komanso madera otsika azachuma, zikuwonekeratu kuti akhala akuchotsedwa m'mabungwe azachuma akale. Izi ndichifukwa ukadaulo wa NFC, monga Apple Pay, suthandizidwa pazida zonse ndipo si aliyense amene angakwanitse kugula iPhone. Izi zimachepetsa kupita patsogolo ndikusunga zinthu zina ndi mautumiki kwa anthu osankhika omwe ali ndi mwayi wopeza zamagetsi. 

Ngakhale ma QR omwe akuwoneka kuti ali paliponse amafuna kamera yapamwamba kwambiri ndipo sizinthu zonse zam'manja zomwe zili ndi ntchitoyi. Ma code a QR samangopereka yankho lowopsa: Makasitomala amayenera kukhala pafupi ndi ma code kuti ntchito ichitike. Izi zitha kukhala pepala kapena zida zomwe zimakhala ngati mkhalapakati pakati pa cashier, wamalonda, ndi wogula. 

Kumbali, kwazaka makumi awiri zapitazi, Bluetooth yakhala ikugwiritsidwa ntchito pamanja aliwonse, kuphatikiza zida zotsika. Ndipo izi zimabwera ndi mwayi wopanga ndalama ndi Bluetooth, kulola ogwiritsa ntchito kugwiritsa ntchito ukadaulo womwe sunali wofikirika kale. Izi zikufanana ndi kupatsa mphamvu kwa ogula popeza hardware imachotsedwa palimodzi ndipo kugulitsa kumangokhudza POS ya wamalonda ndi kasitomala. 

Bluetooth Imabweretsa Mipata Yochulukirapo Kwa Akazi

Amuna amasonyeza chidwi kwambiri kuposa akazi kugwiritsa ntchito chikwama cham'manja pa intaneti ndi kugula m'sitolo koma pafupifupi 60% ya zisankho zolipira zimapangidwa ndi amayi. Apa pali kusagwirizana ndi mwayi waukulu kwa amayi kuti amvetse mphamvu ya matekinoloje atsopano, omwe akubwera. 

Kapangidwe ka matekinoloje olipira ndi UX nthawi zambiri amapangidwa ndi amuna ndipo, poyang'ana pakupanga chuma kapena cryptocurrency, zikuwonekeratu kuti akazi adasiyidwa. Kulipira kwa Bluetooth kumapereka kuphatikizidwa kwa amayi omwe ali ndi mwayi wolipira, wosavuta, komanso wosavuta. 

Monga Woyambitsa nsanja yaukadaulo yazachuma yomwe imathandizira zokumana nazo zolipirira zopanda ntchito, zinali zofunika kuti azimayi aziganizira zisankho za UX, makamaka m'misika yomwe ikubwera. Tidawonanso kuti ndikofunikira kwambiri kulembera antchito achikazi polumikizana ndi ma netiweki mumakampani olipira monga European Women Payment Network*.

M'zaka khumi zapitazi, kuchuluka kwa mabizinesi ang'onoang'ono omwe adapita kwa oyambitsa azimayi pafupifupi kawiri. Ndipo ena mwa mapulogalamu abwino kwambiri omwe alipo adapangidwa ndi amayi kapena ali ndi akazi omwe ali ndi maudindo oyang'anira malipiro. Ganizirani za Bumble, Eventbrite, ndi PepTalkHer. Poganizira izi, amayi ayeneranso kukhala patsogolo pa kusintha kwa Bluetooth. 

Kupititsa patsogolo kwaposachedwa ndi Bluetooth kumatha kulumikizana kuchokera ku chipangizo cha POS cha wamalonda, chotengera cha hardware, kapena mapulogalamu kupita ku pulogalamu mwachindunji. Lingaliro loti pulogalamu yamabanki yomwe ilipo ingathe kugwiritsidwa ntchito kudzera pa Bluetooth, yophatikizidwa ndi mawonekedwe a Bluetooth omwe amapezeka paliponse, imapatsa mwayi kwa anthu osiyanasiyana azachuma, amuna kapena akazi, ndi malonda.

Pitani ku Bleu

*Kuwululidwa: Purezidenti wa EWPN amakhala pa board ku Bleu.