Daniel Hruska Kubhadhara kadhi muUnited States kuri padanho rakasiyana zvachose nepano muCzech Republic, kwaunogona kubhadhara usingabatike "chero kupi". Nhamba huru yezvitoro kwaunogona kubhadhara nekadhi yatove ine contactless terminals. Nekudaro, makadhi echinyakare ane magineti mitsetse achiri kutonga muUS, uye Apple iri kuyedza kuzvishandura nehurongwa hwayo. Pay.
Zvese zvinonzwika senge ngano, Apple yasvika chibvumirano nemabhangi makuru ipapo, saka hapafanirwe kuve nedambudziko. Asi pamwe ari kuuya. Uye pamwe uku kungochema kwenguva pfupi kwebazi rebofu. Vamwe vatengesi vari kushanda neWal-Mart kugadzirisa kana kudzima zvachose materminal ekubhadhara asingabatike kuitira kuti vatengi vasabhadhara neApple Pay.
Wal-Mart, zvitoro zvakakura kwazvo pasi rose, pamwe nemamwe makambani, yanga ichigadzirira CurrentC kubhadhara kwayo kubva 2012, iyo inofanirwa kutangwa gore rinouya. The Merchant Customer Exchange (MCX), sekudaidzwa kunoitwa sangano iri, injodzi chaiyo kuApple. Apple nePay yayo vari kungokambaira CurrentC, izvo zveshuwa vanobatanidzwa havadi uye vari kuita zviri nyore chinhu chavanogona - kucheka Apple Pay.
Zvaizivikanwa mwedzi wapfuura kuti Wal-Mart uye Best Buy yaisazotsigira Apple Pay. Svondo rapfuura, Rite Aid, ketani yemishonga ine nzvimbo dzinopfuura mazana mana nemazana matanhatu muUS, yakatangawo kugadzirisa zviteshi zvayo zveNFC kuti zvivhare kubhadhara kuburikidza neApple Pay neGoogle Wallet. Rite Aid ichatsigira CurrentC. Imwe ketani yemishonga, CVS Stores, yakachengetedzwa zvakafanana.
Hondo yehukuru pakati pekubhadhara mbozhanhare iri kukonzera kusawirirana pakati pemabhanga nevatengesi. Mabhangi akambundira Apple Pay nechido nekuti anoona mukana wekuwedzera huwandu hwekutenga (uye nekudaro purofiti) inoitwa nekadhi rechikwereti nemakadhi. Saka Apple yakabudirira nemabhangi, asi kwete zvakanyanya nevatengesi. Pavezvino makumi matatu nemana vakabatika vataurwa pawebhusaiti yeApple, vasere vavo vane mazita akasiyana vanowira pasi peFoot Locker uye imwe iApple pachayo.
Sezvineiwo, hapana kana bhanga rimwe chete rakaratidza kutsigira CurrentC. Izvi zvinokonzerwa nekuti iyo yose system yakagadzirirwa kuitira kuti irege kutsamira pane yepakati link, ndiko kuti, pamabhangi uye mari yavo yekubhadhara kadhi. Naizvozvo, CurrentC haizombofa yakatsiva kadhi rekubhadhara repurasitiki sekudaro, asi pane imwe nzira yakakosha kune vatengi vane kuvimbika kana makadhi anobhadharwa echitoro chiri mubvunzo.
Kana iyo iOS neAroid app yabuda gore rinouya, iwe uchabhadhara uchishandisa QR kodhi inoratidzwa pamudziyo wako uye huwandu hwekutenga huchabviswa kubva kuaccount yako. Kana ukasarudza kushandisa rimwe remakadhi anopihwa neCurrentC vadyidzani senzira yekubhadhara, unogashira zvideredzwa kana makuponi kubva kumutengesi.
Izvi, zvechokwadi, zvinokumbira kune vatengesi vaizova nehurongwa hwavo uye panguva imwechete vasingabhadharwi nemari yekubhadhara kadhi. Saka hazvishamisi kuti, kunze kweWal-Mart, nhengo dzeMCX dzinosanganisira (cheni dzisingazivikanwe 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 uye akawanda gasi zviteshi.
Tichatofanira kumirira kusvika gore rinouya kuti tione kuti mamiriro ezvinhu ese anoitika sei. Kusvika panguva iyoyo, zvinogona kutarisirwa kuti zvimwe zvitoro zvichavharira zviteshi zvavo zveNFC kudzivirira kubhadhara kweanokwikwidza. Nekudaro, isu tinogona kutarisira kuti kureruka kwekubata Apple Pay's Kubata ID kuchakunda pamusoro peiyo isina musoro QR kodhi chizvarwa uye kuvimbika kadhi kubatwa kweCurrentC. Kwete kuti mamiriro ari muUS anotibata zvakananga, asi kubudirira kweApple Pay kuchakanganisa kuvepo kwayo muEurope.
Nekudaro, kana tikatarisa mamiriro azvino kubva kune rimwe divi, Apple Pay inoshanda. Dai zvikasashanda, chokwadi vatengesi vaisazovharisa zviteshi zvavo zveNFC nekutya kurasikirwa nepurofiti yavo kubva kuCurrentC. Uye iyo itsva iPhones 6 yangove kutengeswa kwemwedzi. Chii chichaitika mumakore maviri apo yakawanda yePhones iri kushandiswa ichatsigira Apple Pay?
Vatengesi vanogonawo kuvhara Apple Pay nekuti mutengi haavapi chero ruzivo rwemunhu zvachose kuburikidza nenzira iyi. Kana zita kana surname - hapana. Apple Pay yakachengeteka zvakanyanya kupfuura makadhi ekubhadhara akajairwa muUS. Nenzira, unonzwa wakachengeteka here kuti data rese (kunze kwePIN) rakanyorwa pane chidimbu chepurasitiki chaunogona kurasikirwa chero nguva?
Izvo MCX iri kuedza kuita kutsiva chimwe chinhu chakachengeteka nechinhu chisina kuchengetedzeka (yechitatu-bato maapplication haakwanise kuchengeta data muSecure Element, i.e. chikamu chiri muNFC chip), chimwe chinhu chakanakira chimwe chinhu chisiri nyore (Bata ID vs. QR. code) uye chimwe chinhu chisingazivikanwe. Kugara muUS, ConnectC haingave sevhisi inonakidza kwandiri zvachose. Ko iwe, ndeipi nzira yaungade?
Haisi nguva isati yakwana here kuongorora kuchengeteka? Imwe system haisati yabuda uye imwe iri pakutanga. Uye izvo zvatichadudzira, panogara paine vanhu vakasiyana, ona kuburitswa kwemafoto kubva kuCloud. Nemakadhi ekubhadhara echinyakare, yaitaridzikawo isingashandiswe kubva pakutanga, uye ndiani anofunga kudaro izvozvi?
Pandinotarisa kubva kune rumwe rutivi, semuenzaniso, zvinondishungurudza chaizvo kuti mabhangi anoedza sei kuramba achiwedzera miganhu yavo. Handisi kushamisika kuti vatengesi vari kuedza kusabvisa mabhanga kubva mubhadharo. Dai ndaigona kuvasiya kunze uku ndichichengeta kureruka kwekubhadhara nekadhi, ndaizofara zvakanyanya. Chokwadi, handidi kudzokera kunguva yandinofanira kuburitsa hamvuropu yemari pakutenga kwese.
Zvakanaka, dambudziko neCurrentC nderekuti inodarika makadhi ekare nekubatanidza zvakananga kubhengi account, yatova min. izvi zvinoodza moyo. Uye zvakare, kune zvimwe zvinhu zvakaita sekuteedzera mushandisi uye kugovana dhatabhesi pakati penhengo dzemubatanidzwa, asiwo nevechitatu mapato. Chinonyanya kunzwisiswa ndechekuwana kwehutano kune yakaenzana nekadhi redu rehutano.
Zvakanaka, miganho yemabhangi mukugamuchira makadhi iri kuderera zvishoma nezvishoma. Kungokupa pfungwa yekudzikiswa kwemubhadharo weanopa kadhi mushure memutemo wemubhadharo weEU, vanodonha nemabhiriyoni. Tinoverenga kwose kwose kuti makomisheni ari pakati pe1-5% - kukosha kwepamusoro kunonyanya muzvikamu zvine ngozi ... Asi bhangi rinopa pamusoro pe1% yekomisheni kusangano, uye iyo purofiti, kana iwe ukabvisa mari yekugadzirisa. Kubva pane chii icho bhangi richaisa mari mune innovation?
Btw, pamwe kambani yese inoda kuwedzera purofiti, unofungei?
Chiitiko chinogoneka: semhinduro kune kuvharika, Apple neGoogle vachachinja mazwi avo ebhizinesi uye havazobvumire CurrentC-mhando maapplication kuti awedzere kuAppStores avo.
Ndizvo chaizvo zvinofanira kutariswa nemunhu. Iyo Appstore haisi chitoro chidiki uye uku kushungurudzwa kwehumwe (zvakafanana neWalmart). Ini handifarire imwe kambani inodzora hupenyu hwangu nezvido zvebhizinesi ravo sekurambidza bitcoin nezvimwe.
Saka nhoroondo inoratidza kuti kana Apple (Mabasa) ichiida, inoiwana. Muenzaniso wakafanana ndewe, semuenzaniso, kuremadza phy. Adobe kuwana Flash muAppStore. Adobe payakatumirwawo kuAppStore mukati meCS5, Apple yakangochinja mamiriro ekuti zvinhu chete zvinogadzirwa kuburikidza neXcode zvinogona kunge zviri muAppStore.
Hongu, zvinosimbisa mashoko angu.
Ini ndichachera mukati :) The hypermarket chain inonzi Walmart (Wal-Mart ndiro zita remushandisi). Kmart naDunkin' Donuts vaive pamusika weCzech, Gap, Old Navy neBanana Republic vachiri pano. Saka aya haasi "tambo dzisingazivikanwe".
Uye ini ndichachera mauri wondiudza kuti Old Navy muCR iripi? :-) Ndinogara kuCanada, ndine Old Navy mabhuroko maviri kubva kumabharaki, saka handina chokwadi chekuti ndakambozviona muCR...
CR Gap iripi? Ndingafarire chaizvo izvozvo.
Ah hongu, uri right… bug yakapinda. Ndatenda. Yakanga isiri muCzech Republic, zvitoro zvese zvinotaridzika zvakafanana :)
mukati memakore maviri zvinokwanisika kubhadhara neApple Pay kuWalmart zvakare-uye zvechokwadi nemukurumbira mukuru.
Ini ndinofunga kudaro zvakare, Apple ine simba rakawanda kupfuura mamwe Walmart, ndinogona kufungidzira kuti varidzi veIP6 vachaenda kune chimwe chitoro kuti vakwanise kubhadhara Apple pay, muUSA ndezvemhando uye avo vanonyatsoda Apple, sekutaura kunoita Tim. ndichaenda kunobhadhara kune kubhadhara kweapuro uye nokukurumidza kana kuti gare gare munhu wose anokundwa :) ndizvo zvandinozviona :).
Kune chimwe chitoro? Handifungi kudaro. Pamwe vanhu vashoma, asi izvo zvichave zvisizvo (avo vanofanirwa kupeta nefoni nyowani). Walmart muUS yakafanana neTV Nova makore gumi apfuura - kune dzimwe nzira, asi isingakodzeri shanduko. Pamusoro pezvo, Walmart ine zvitoro zvakapetwa zvakapetwa kaviri sevanokwikwidza vese vakasanganiswa (Kmart, Publix, Target, ShopKo, Meijer + BJ's uye Costco yeSam's Club).
dambudziko nderekuti NFC yavepo kwemakore gumi muJapan
Hongu, uye naizvozvo yatove isingachashandi uye ichaguma ipapo muchimiro chayo chazvino.
Zvakanaka, ndinofunga kuti mutengi achasarudza pakupedzisira. Kune makumi emamiriyoni evaridzi ve iPhone mumatunhu, uye iyi haisisiri nhamba isingakoshi. Uye zvimwe zvichauya newachi. Mukupedzisira, Walmart nevamwe vanozohwina pavanenge vachiverenga kuti ingani simba rekutenga ravari kurasikirwa zvisina basa. Ivo vari kuzununguka izvozvi, asi ivowo vanozochinja, ivo vanozofanira kuzvifarira zvavo. Sisitimu yavo inongonakidza kune vatengi vekuvimbika uye iyi sisitimu inopera nekukurumidza kana gare gare.
Zvakanaka, kwete chete Apple neGoogle vanogona kupindura nekuvharira iri kuuya CurrentC application, mabhangi anogona zvakare kubhadharisa zviri nyore mari inobuda (kubhadhara) yakaitwa kuburikidza neCurrentC.
.. kuti cheni dzaizotadza kuzviverenga here?
Zvakanaka, handizive, zvese zvinogoneka muUSA;)
Ndokumbira ujekese zvakare, CurrentC haidi bhangi zvachose, inogona kuita pasina iyo.
Saka hapana Apple kana Google inogona kuvhara CurrentC.
"Kana iyo iOS uye Android app yabuda gore rinouya, iwe unobhadhara neQR kodhi ..."
Zvose Apple neGoogle zvakakosha kune CurrentC.
"Kana iyo iOS neAroid app yabuda gore rinouya, uchabhadhara neQR kodhi inoratidzwa pamudziyo wako uye mari yekutenga inobva yabviswa kubva kuaccount yako."
OK, kana izvi zvisiri kuitirwa kubhengi account, asi prepaid bhonasi account account, saka unofanirwa kuwana mari kuaccount iyi neimwe nzira..., kungave kuburikidza nebhangi (inogona kubhadhariswa), mushandisi kana zvimwe bheji. terminal :-), iyo inofananidzwa nekushandisa nharembozha uye zvigunwe zvinonetsa uye zvinoreba kune vatengi.
Uye nei Apple kana Google isingavhare kana kusapa application yeCurrentC muzvitoro zvavo iyo inofanirwa kuongorora iyo QR kodhi?
Saka nenzira iyi… “Kune rimwe divi, hapana kana bhanga rimwe chete rakaratidza rutsigiro rweCurrentC. Izvi zvinokonzerwa nekuti hurongwa hwese hwakagadzirwa kuitira kuti dzisatsamira pane yepakati link, ndiko kuti, kumabhangi nemari yavo yekubhadhara makadhi. "
Zvichava zvakaoma kubhangi kutsanangura mubhadharo wakasiyana pane chero imwe account. Saka handingazvinetse pamusoro peizvi zvachose.
Uye tichifunga kuti iyo PayPal application inoshanda, ini handinganyanye kunetseka nezvekuvharirwa muAppStore.
Zvinoratidzika kwandiri kuti ikozvino Apple inoda vatengesi vakawanda kupfuura Apple saleswomen.
Uye hazvisi zvachose kuti ini handitsigire Apple ichipokana nemabhangi, zvakapesana. Asi hazvisi zvose zviri munyika zviri nyore.
Kushaikwa kwerutsigiro kungarara mukuti mabhanga haapedzi zvibvumirano zvakakosha nemaketani ezvitoro zvebasa iri. Ivo vanogona neimwe nzira zvinosanganisira kurerutsa iyo activation maitiro, semuenzaniso, hazvina kukwana kusaina rejista pareception mune yako hypercam uye zvese zvinotanga kushanda, asi mutengi anofanira kutanga kudhibhiti yakananga kana kutumira mari nekuraira kuCurrnetC account. . Uye sezvatinotoziva nhasi, chero sevhisi yakaomesesa kune mutengi haina mukana wekubudirira (ona yedu Mobito).
Saka, ndinoda kuona kuti ndingaita sei kuti mubhadharo wangu utumirwe kuzvitoro zvakawanda kana kuti ndichava nechokwadi chokuti ndine mari yakakwana ikoko, uye ndichakwanisa kutenga chete munhevedzano iyoyo yezvitoro. Uye ivo vanozoongororawo zvandinotenga uye kupi, uye kunditumira kushambadza zvinoenderana. Uye kuti ndibhadhare, ndichafanirwa kuvhura application yavo pane yangu smartphone uye nditarise iyo QR kodhi. Zvaisagona kuve zvakaoma. Mari iri nani.
Kubva pane zvandakaverenga zvenhaurirano pamawebhusaiti ekunze, zvinoita sekuramwa kwezvitoro.
Chinyorwa chacho chinokanganisa zvishoma. Apple neGoogle vane hwamanda mumaoko avo, vanogona kuchinjisa mubhadharo weapuro kumakadhi azvino eC uye haina kunyanyo kuoma, zvikasadaro Iyo Yazvino C inoitwa. Uye nemacheni makuru mashanu, akawanda emhando dzakataurwa chikamu chetani huru, uye Wal-Mart ichitoro chemazuva ese chakaderera seKaufland kana Lidl. Apple inogona kuti isu tichagadzirisa makadhi ako kuti abhadhare apuro kana kumisa iwe mumaitunes nekuti maapplication aunobhadhara pasina muripo weapuro anobviswa. Apple ine mukana wekuti hurongwa hwayo hunoshanda uye inokwanisa kusundira vatengesi kukanganisa
Apple haingotenderi CurrentC application kupinda iTunes uye haufanirwe kuita chero chimwe chinhu. Vatengi vanozvisarudzira vega kuti votenga sei
Hazvizove nyore zvakadaro. Ini handizive mazwi nemamiriro e iTunes, asi kungoti "hatikudi uye ndosaka tisingaise app yako pa iTunes" pamwe hazvishande.
Zvakanaka, mamiriro ezvinhu akadaro zvekuti chero chinhu chinogona kukwikwidza nechimwe chinhu kubva kuApple, saka chinogona kubviswa uye kunyange iyo account yemugadziri inogona kudzimwa. Kana Apple isingazvide, wobva wadzima pasina matambudziko.