Vhara shambadzo

Pave nemavhiki mashoma Apple yaunza zvigadzirwa zvitsva. Mushure meApple Watch, iyo yakakurukurwa zvakanyanya nekuda kwekuti hapana chinhu chainyatsozivikanwa pamusoro payo, kunyanya kutarisisa ikozvino kwakanangana ne "kukotama" iPhone 6. Zvisinei, panogonawo kuva nechetatu - uye kwete zvishoma zvakakosha - novelty muna Gumiguru: Apple Pay.

Iyo nyowani yekubhadhara sevhisi, iyo Apple iri kupinda mumvura isati yazivikanwa, ndeyekusangana yakapinza yekutanga muna Gumiguru. Parizvino, ichange iri muUnited States chete, asi inogona kuramba ichiratidzira chiitiko chakakosha munhoroondo yekambani yeCalifornian, pamwe nemundima yekutengeserana kwemari mune zvese.

[ita chiito = "citation"] Apple Pay yakatevera mumakwara e iTunes.[/do]

Aya angori fungidziro yezvino, uye Apple Pay inogona kupedzisira yaita seyazvino-inoda kukanganwa social network Ping. Asi kusvika zvino zvese zvinoratidza kuti Apple Pay iri kutevera mumakwara e iTunes. Kwete Apple chete nevabatsiri vayo vachange vaine izwi rekusarudza pakubudirira kana kukundikana, asi pamusoro pevatengi vese. Tichada kubhadhara maPhones?

Uya panguva chaiyo

Apple yagara ichiti: hazvina kukosha kuti isu titange kuzviita, asi kuti tizviite nemazvo. Izvi zvaive zvechokwadi kune zvimwe zvigadzirwa kupfuura zvimwe, asi isu tinogona kushandisa zvakachengeteka uyu "mutemo" kuApple Pay zvakare. Pave nenguva paine fungidziro yekuti Apple ichapinda muchikamu chekubhadhara nhare. Kunyangwe maererano nemakwikwi, Google payakaunza yayo Wallet mhinduro yekubhadhara nenharembozha muna 2011, zvaifungidzirwa kuti Apple inofanirawo kuuya nechimwe chinhu.

MuCupertino, zvisinei, havafarire kumhanyisa zvinhu, uye kana zvasvika pakugadzira masevhisi akadaro, vangangove vakangwarira zvakapetwa kaviri mushure mekutsva kwakati. Ingotaura nezvePing kana MobileMe uye bvudzi revamwe vashandisi rinomira kumagumo. Nekubhadhara kwenharembozha, vatariri veApple vaiziva zvechokwadi kuti hapana chavangaite. Munzvimbo ino, haisisiri yeruzivo rwemushandisi pachayo, asi pamusoro pezvose, nenzira yakakosha, nezvekuchengetedza.

Apple yakazobhadhara paApple Pay munaGunyana 2014 payaiziva kuti yakanga yagadzirira. Nhaurirano idzi, dzakatungamirwa zvakanyanya naEddy Cuo, mutevedzeri wemutungamiri weInternet Software uye Services, dzakatora nguva inopfuura gore. Apple yakatanga kubata nemasangano akakosha mukutanga kwe2013, uye zvese zvaiitwa zvine chekuita nesevhisi iri kuuya zvakanzi "chakavanzika chepamusoro." Apple yakaedza kuchengeta zvese zviri pasi pekuputira kwete chete kuitira kuti isaburitse ruzivo kune vezvenhau, asiwo nekuda kwekukwikwidza uye zvimwe zvinobatsira zvinzvimbo munhaurirano. Vashandi vemabhanga nemamwe makambani kazhinji vaisatomboziva zvavari kushanda nazvo. Ruzivo rwakakosha chete rwakataurirwa kwavari, uye vazhinji vaingokwanisa kuwana mufananidzo wakazara apo Apple Pay yakaunzwa kune veruzhinji.

[ita chiito = "quote"] Zvibvumirano zvisati zvamboitika zvinotaura zvakawanda pamusoro pekugona kwesevhisi kupfuura chero chinhu chipi zvacho.[/do]

Kubudirira kusati kwamboitika

Pakuvaka sevhisi nyowani, Apple yakasangana nemanzwiro asingazivikanwe. Akanga achipinda munzvimbo yaakanga asina ruzivo zvachose, akanga asina chimiro munharaunda iyi, uye basa rake rakanga risina kujeka - kutsvaga shamwari uye shamwari. Chikwata chaEddy Cue, mushure memwedzi yekukurukurirana, pakupedzisira vakakwanisa kupedzisa zvibvumirano zvisati zvamboitika muchikamu chemari, iyo pachayo inogona kutaura zvakawanda pamusoro pekugona kwebasa pane chimwe chinhu.

Apple yakagara yakasimba munhaurirano. Akakwanisa kubata nevanoshandisa mbozhanhare, akavaka imwe yemhando yepamusoro yekugadzira uye yekugovera cheni pasi rose, akatendesa maartist nevaparidzi kuti anogona kushandura indasitiri yemimhanzi, uye zvino ave kuenda kune inotevera indasitiri, kunyangwe yatora nguva refu. Apple Pay inowanzofananidzwa ne iTunes, i.e. indasitiri yemimhanzi. Apple yakakwanisa kuunza pamwe chete zvese zvainoda kuti basa rekubhadhara ribudirire. Akakwanisawo kuzviita nevatambi vakuru.

Kudyidzana nevatambi vemakadhi ekubhadhara kwakakosha. Pamusoro peMasterCard, Visa neAmerican Express, mamwe makambani masere akasaina zvibvumirano neApple, uye nekudaro, Apple ine pamusoro pe80 muzana yemusika weAmerica wakavharwa. Zvibvumirano nemabhanga makuru eAmerica hazvina kukosha zvishoma. Vashanu vakatosaina, vamwe vashanu vachabatana neApple Pay munguva pfupi. Zvakare, izvi zvinoreva kupfura kukuru. Uye pakupedzisira, cheni dzekutengesa dzakauyawo pabhodhi, zvakare chinhu chakakosha chekutanga sevhisi nyowani yekubhadhara. Apple Pay inofanirwa kutsigira pamusoro pezvitoro zve200 kubva pazuva rekutanga.

Asi handizvo zvoga. Izvi zvibvumirano zvakare zvisati zvamboitika mukuti Apple pachayo yakawana chimwe chinhu kubva kwavari. Hazvishamisi kubva pakuona kuti kwese uko kambani yeapuro inoshanda, inoda kuita purofiti, uye izvi zvichavewo zvakadaro neApple Pay. Apple yakaita chibvumirano chekuwana masendi gumi nemashanu kubva kune yega $100 transaction (kana 15% yega yega yekutengesa). Panguva imwecheteyo, akakwanisa kutaurirana zvingangoita gumi muzana mubhadharo wakaderera wekutengesa kuchaitika kuburikidza neApple Pay.

Kutenda mushumiro itsva

Zvibvumirano zvambotaurwa ndizvo chaizvo izvo Google yakatadza kuita uye nei e-wallet yayo, Wallet, yakundikana. Zvimwe zvinhu zvakare zvakatamba zvichipesana neGoogle, senge izwi revafambisi venhare uye kusakwanisa kudzora mahardware ese, asi chikonzero nei mamaneja emabhanga makuru epasirese uye vanopa makadhi ekubhadhara vakabvumirana nepfungwa yeApple haisi kungoti Apple ine zvakanaka zvakadaro. nevanotaurirana vasingachinji.

Kana isu taizonongedza kune indasitiri yakaramba iripo muzana ramakore rapfuura, kutengeserana kwekubhadhara. Iyo kadhi rechikwereti system yave iripo kwemakumi emakore uye yakashandiswa pasina shanduko huru kana hutsva. Mukuwedzera, mamiriro ezvinhu muUnited States akanyanya kuipa kupfuura muEurope, asi zvakanyanya pane izvozvo gare gare. Chero kufambira mberi kunogoneka kana shanduko shoma yaizoendesa zvese kumberi kwagara kukundikana nekuda kwekuti kune mapato akawanda akabatanidzwa muindasitiri iyi. Zvisinei, apo Apple yakauya, munhu wose aiita seaiona mukana wokukunda chipingamupinyi ichi.

[ita chiito=”citation”]Mabhangi anotenda kuti Apple haisi kutyisidzira kwavari.[/do]

Hazvisi pachena kuti mabhanga nemamwe masangano achawana purofiti yavo yakanyatsovakwa uye yakachengetedzwa uye vachagovanawo neApple, iyo inopinda muchikamu chavo senge rookie. Kumabhangi, mari kubva mukutengeserana inomiririra mari hombe, asi kamwe kamwe havana dambudziko rekudzikisa muripo kana kubhadhara chegumi kuApple. Chimwe chikonzero ndechekuti mabhanga anotenda kuti Apple haisi kutyisidzira kwavari. Iyo Kambani yeCalifornia haizopindire mubhizinesi ravo, asi inongove murevereri. Izvi zvinogona kuchinja mune ramangwana, asi panguva ino ichokwadi 100%. Apple haimirire kupera kwekubhadhara chikwereti sekudaro, inoda kuparadza makadhi epurasitiki zvakanyanya sezvinobvira.

Masangano emari anotarisirawo kuwedzera kukuru kwesevhisi iyi kubva kuApple Pay. Kana paine chero munhu ane izvo zvinotora kubvisa sevhisi yechiyero ichi, iApple. Iyo ine zvese zviri zviviri Hardware uye software iri pasi pekutonga, iyo inonyanya kukosha. Google yakanga isina mukana wakadaro. Apple inoziva kuti kana mutengi atora foni yake owana yakakodzera terminal, havazombove nedambudziko rekubhadhara. Google yakaganhurirwa nevashandisi uye kusavapo kweiyo tekinoroji inodiwa mune mamwe mafoni.

Kana Apple ikakwanisa kuwedzera zvakanyanya sevhisi nyowani, zvinoreva zvakare purofiti yepamusoro kumabhangi. Kutengeserana kwakawanda kwakaitwa kunoreva mari yakawanda. Panguva imwecheteyo, Apple Pay neTouch ID ine mukana wekudzikisa zvakanyanya hutsotsi, izvo zvinoita kuti mabhanga ashandise mari yakawanda. Chengetedzo zvakare chimwe chinhu chisingangonzwi masangano emari chete, asi chinogonawo kufarira vatengi. Zvishoma zvinhu zvinodzivirira semari, uye kuvimba neApple neruzivo rwekadhi rechikwereti kungasava mubvunzo une mhinduro yakajeka kune wese munhu. Asi Apple yakaita chokwadi chekuve pachena uye hapana aigona kubvunza rutivi urwu rwezvinhu.

Safety kutanga

Nzira yakanakisa yekunzwisisa chengetedzo uye kushanda kwese kweApple Pay kuri kuburikidza nemuenzaniso unoshanda. Nechekare panguva yekuunzwa kwesevhisi, Eddy Cue akasimbisa kukosha kwekuchengetedza kuApple uye kuti haisi kuzotora chero data nezvevashandisi, makadhi avo, maakaundi kana mabatirwo acho.

Paunotenga iPhone 6 kana iPhone 6 Plus, kusvika pari zvino mamodheru maviri chete anotsigira kubhadhara nhare nekuda kweNFC chip, unofanirwa kurodha kadhi rekubhadhara mazviri. Pano iwe unogona kutora mufananidzo, iyo iPhone inogadzirisa data uye iwe unongove nehuchokwadi hwekadhi rakasimbiswa nekuzivikanwa kwako kubhangi rako, kana unogona kurodha kadhi riripo kubva iTunes. Iri idanho risati rapihwa rimwe sevhisi, uye Apple ingangobvumirana pane izvi nevapeji vemakadhi ekubhadhara.

Nekudaro, kubva pakuona kwekuchengetedza, zvakakosha kuti kana iyo iPhone ikatarisa kadhi rekubhadhara, hapana data inochengetwa ingave munharaunda kana pamaseva eApple. Apple ichayananisa hukama neanobhadhara kadhi rekubhadhara kana bhangi rakapa kadhi, uye ivo vanoendesa Device Account Number (chiratidzo). Ndiyo inonzi tokenization, zvinoreva kuti data inonzwisisika (nhamba dzekadhi rekubhadhara) dzinotsiviwa nedata isina kurongeka kazhinji ine chimiro chakafanana uye fomati. Tokenization inowanzobatwa neanopa kadhi, uyo, paunoshandisa kadhi, anonyora nhamba yayo, anogadzira chiratidzo chayo, uye anochipfuudza kune mutengesi. Zvino kana system yake yabiwa, anorwisa haawane chero data chaiyo. Mutengesi anogona kuzoshanda nechiratidzo, semuenzaniso pakudzoka mari, asi haazombofi akawana ruzivo rwe data chaiyo.

MuApple Pay, kadhi yega yega uye yega yega iPhone inowana yayo yakasarudzika tokeni. Izvi zvinoreva kuti munhu ega achave nekadhi rako data ibhengi chete kana kambani inoburitsa. Apple haifi yakawana mukana kwairi. Uyu mutsauko mukuru uchienzaniswa neGoogle, iyo inochengeta Wallet data pamaseva ayo. Asi kuchengetedzwa hakugumiri ipapo. Pakarepo iyo iPhone inogamuchira yakataurwa chiratidzo, inochengetwa otomatiki mune inonzi kuchengetedza chinhu, inova chikamu chakazvimiririra chakazara paNFC chip pachayo uye inodiwa nevanoburitsa makadhi kune chero mubhadharo usina waya.

Kusvika parizvino, masevhisi akasiyana akashandisa imwe password "kuvhura" ichi chikamu chakachengeteka, Apple inopinda mairi neTouch ID. Izvi zvinoreva zvese zvakakura dhigirii rekuchengetedza uye nekukurumidza kubhadhara kuita, kana iwe ukangobata foni yako kune terminal, isa chigunwe chako uye chiratidzo chinoyananisa kubhadhara.

Simba reApple

Zvinofanira kutaurwa kuti iyi haisi mhinduro yekuchinja yakagadzirwa neApple. Hatisi kupupurira shanduko mumunda wekubhadhara mafoni. Apple yakangoisa pamwe chete zvimedu zvese zvepuzzle uye yakauya nemhinduro yakataura kune vese vane chekuita kune rimwe divi (mabhangi, vanoburitsa makadhi, vatengesi) uye ikozvino pakuvhurwa ichananga kune rimwe divi, vatengi.

Apple Pay haizoshandise chero yakakosha materminal ayo achakwanisa kutaura nePhones. Pane kudaro, Apple yakashandisa tekinoroji yeNFC mumidziyo yayo, iyo isina materminal terminals isisina dambudziko. Saizvozvo, iyo tokenization maitiro hachisi chinhu icho mainjiniya eCupertino akauya nacho.

[ita chiito=”citation”]Musika weEurope wakagadzirirwa zvirinani Apple Pay.[/do]

Nekudaro, hapana anga akwanisa kuunganidza izvi zvidimbu zvemosaic nenzira yekuisa mufananidzo wese pamwechete. Izvi zvave kuwanikwa neApple, asi panguva ino chikamu chebasa chete chaitwa. Iye zvino vanofanirwa kugutsikana nemunhu wese kuti kadhi rekubhadhara mufoni riri nani pane kadhi rekubhadhara muchikwama. Pane mubvunzo wekuchengeteka, pane mubvunzo wekukurumidza. Asi kubhadhara kwenharembozha hakusi kutsva futi, uye Apple inoda kutsvaga rhetoric chaiyo kuita kuti Apple Pay izivikanwe.

Chakanyanya kiyi yekunzwisisa izvo Apple Pay inogona kureva kunzwisisa mutsauko uripo pakati peUS neEuropean misika. Nepo kune vekuEurope Apple Pay inogona kungoreva shanduko ine musoro mukutengeserana kwemari, muUnited States Apple inogona kukonzera kudengenyeka kwenyika kwakakura nebasa rayo.

IEurope yakagadzirira inofanira kumirira

Izvo zvinokatyamadza, asi musika weEurope wakagadzirirwa zvirinani Apple Pay. Munyika zhinji, kusanganisira Czech Republic, tinowanzosangana nematerminals achitambira mari yeNFC muzvitoro, vangave vanhu vachibhadhara nemakadhi asingabatike kana kunyange nerunhare. Kunyanya, makadhi asingabatike ari kuita chiyero, uye nhasi anenge munhu wese ane kadhi rekubhadhara neayo NFC chip. Ehe, kuwedzera kwacho kunosiyana nenyika nenyika, asi zvirinani muCzech Republic, makadhi anowanzo kusungirirwa kumaterminals (uye kana iri yakaderera, PIN haina kana kuiswa) pachinzvimbo chekuisa nekuverenga kadhi. kwenguva refu.

Sezvo zviteshi zvisingabatsiri zvinoshanda pahwaro hweNFC, ivo havazove nedambudziko neApple Pay. Panyaya iyi, hapana chaizotadzisa Apple kutanga sevhisi yayo mukondinendi yekare zvakare, asi pane chimwe chipingamupinyi - kukosha kwezvibvumirano zvakapedzwa nemabhangi emuno nemamwe masangano emari. Nepo iwo mamwe makadhi ekupa, kunyanya MasterCard neVisa, anoshandawo pamwero mukuru muEurope, Apple inogara ichida kubvumirana nemabhangi chaiwo munyika imwe neimwe. Nekudaro, akatanga kukanda masimba ake ese mumusika wepamba, saka anongogara pasi patafura yekutaurirana nemabhanga eEurope.

Asi kudzokera kumusika weUS. Izvi, senge indasitiri yese ine kutengeserana kwekubhadhara, yakaramba iri kumashure zvakanyanya. Naizvozvo, itsika yakajairika kuti makadhi ane mutsara wemagineti chete, izvo zvinoda kuti kadhi "riswedere" kuburikidza nechiteshi pane mutengesi. Zvadaro, zvinhu zvose zvinosimbiswa nesignature, iyo yakashanda kwatiri makore akawanda apfuura. Saka zvichienzaniswa nezviyero zvemuno, kazhinji kune chengetedzo isina kusimba mhiri kwemakungwa. Kune rumwe rutivi, pane kusavapo kwepassword, uye kune rumwe rutivi, chokwadi chekuti iwe unofanirwa kupa kadhi rako. Panyaya yeApple Pay, zvese zvinodzivirirwa nemunwe wako uye unogara uine foni yako.

Mumusika weAmerican ossified, kubhadhara kusingabatike kwanga kuchiri kushoma, izvo zvisinganzwisisike kubva mumaonero eEurope, asi panguva imwechete inotsanangura kuti nei kune ruzha rwakadai rwakatenderedza Apple Pay. Izvo izvo United States, kusiyana nenyika zhinji dzeEurope, isina kukwanisa kuita, Apple ikozvino inogona kuronga nekutanga kwayo - shanduko kune mamwe emazuva ano uye asina waya ekubhadhara mari. Mabhizinesi ambotaurwa akakosha kuApple nekuti hazvina kujairika muAmerica kuti chitoro chese chive neterminal inotsigira kubhadhara pasina waya. Avo Apple vakatobvumirana navo, zvakadaro, vanova nechokwadi chekuti sevhisi yavo ichashanda kubva pazuva rekutanga mune angangoita mazana ezviuru mazana emapazi.

Zvakaoma kufungidzira nhasi apo Apple ingave nenguva iri nyore yekuwana traction. Zvingave pamusika weAmerica, uko teknolojia isati yagadzirira zvachose, asi ichava danho guru mberi kubva kune mhinduro yemazuva ano, kana pavhu reEurope, apo, pane zvinopesana, zvinhu zvose zvakagadzirira, asi vatengi vakatoshandiswa kubhadhara mukati. fomu rakafanana. Apple zvine musoro yakatanga nemusika wepamba, uye muEurope isu tinogona chete kutarisira kuti ichagumisa zvibvumirano nemasangano emuno nekukurumidza sezvinobvira. Apple Pay haingofanire kungoshandiswa kuita zvakajairika muzvitoro zvezvidhinha-nedhaka, asiwo pawebhu. Kubhadhara ne iPhone online zviri nyore uye nepamusoro-soro chengetedzo chinhu chinogona kukwezva kuEurope, asi kwete Europe chete.

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