Ondrej Holzman Nhasi, nharembozha dzinogona kutotsiva chero chinhu. "Shanduro" yavo kuita kadhi rekubhadhara inobatsira kwazvo, kana ukangobata foni yako kune terminal wobhadharwa. INe nyika yeApple, sevhisi iyi inonzi Apple Pay uye 2015 yaive bvunzo yake yekutanga.
"Tine chivimbo chekuti 2015 richava gore reApple Pay," Tim Cook akadaro, achifunga nezvekutanga kufarira uye mhinduro kubva kune vatengesi pakutanga kwegore rapfuura. Mwedzi mishoma pamberi pemusoro weApple iyo sevhisi pachayo kumiririrwa uye mukupera kwaGumiguru 2014, Apple Pay yaive yepamutemo yakatanga.
Mushure memwedzi ingangoita gumi neshanu yekushanda, isu tinokwanisa kuongorora kana mazwi aCook nezve "gore reApple Pay" aingova kufunga kwekushuvira, kana kuti chikuva cheapuro chainyatsotonga ndima yekubhadhara nhare. Mhinduro iri paviri: hongu uye kwete. Zvingave zviri nyore kudaidza 2015 gore reApple. Pane zvikonzero zvakawanda.
Izvo hazvina kukodzera kuyera kubudirira kweApple Pay nedzimwe nhamba zvakadaro. Semuenzaniso, mugove wei waunayo mune zvese zvisiri zvekutengesa mari, nekuti muUnited States ichiri nhamba diki. Izvozvi zvakatonyanya kukosha kutarisa kusimudzira kwesevhisi sekudaro, kuvandudzwa kwemusika wese wekubhadhara nhare uye, kana iri Apple Pay, zvakare kukwevera pfungwa kune zvimwe zvinhu zvinounza musiyano wakakosha pakati pemusika weAmerica uye. , semuenzaniso, musika weEurope kana weChinese.
Makwikwi (un) fight
Kana isu taifanira kuongorora 2015 maererano nekuti ndiani ainyanya kutaurwa nezvake, saka mumunda wekubhadhara yaitove Apple Pay. Kwete kuti hapana makwikwi, asi simba rechinyakare rekambani yeCupertino mhando uye kugona kwayo kuwedzera sevhisi nyowani nekukurumidza kuchiri kushanda.
Hondo yazvino iri pakati pemasystem mana, uye maviri acho haana kungoerekana anzi akafanana neanobva kuApple - Pay. Mushure mekutadza neWallet, Google yakafunga kurega neiyo Android Pay mhinduro, Samsung yakasvetukira pane imwechete bandwagon ndokutanga kutumira Samsung Pay pamafoni avo. Uye pakupedzisira, kune mutambi akakosha mumusika weUS, CurrentC.
Nekudaro, Apple ine ruoko rwepamusoro kurwisa vese vanokwikwidza mumapoinzi mazhinji, kana kuti hapana ari nani. Kunyange zviri nyore kushandisa, kuchengetedzwa kwedata rakavanzika remushandisi uye kuchengetedzeka kwekutapurirana kunogona kupihwa nenzira yakafanana nezvimwe zvigadzirwa zvinokwikwidza, Apple yakakwanisa kutora nhamba yakakura kwazvo yemabhangi anoshandira pamwe. Izvi, kuwedzera kune nhamba yevatengesi uko kubhadharwa kwemafoni kunogona kuitwa, chinhu chinokosha maererano nevangani vangave vashandisi vanogona kusvika kambani.
Icho chokwadi chekuti ipuratifomu yakavharwa kuapuro ecosystem inogona kutaridzika seyakaipira kukanganisa kweApple Pay pane zvese zvataurwa. Asi kunyangwe neApple Pay, haugone kubhadhara chero kupi kunze kweazvino Androids, uye Samsung inovharawo Pay yayo chete kumafoni ayo. Naizvozvo, munhu wese anoshanda mujecha rake uye anofanirwa kuzvishandira kuti asvike vatengi. (Nyaya yacho yakati siyanei neCurrentC, inoshanda pane ese Android neIOS, asi iri kure nekutsiviwa kwakananga kwekadhi rekubhadhara; uyezve, ingori "American" chinhu.)
Sezvo masevhisi akasiyana ekubhadhara mafoni asingakwikwidze zvakanangana, pane zvinopesana, makambani ese anogona kufara kuti zvishoma nezvishoma akapinda mumusika. Nekuti yese sevhisi yakadai, ingave Apple, Android kana Samsung Pay, ichabatsira kuparadzira ruzivo uye mikana yekubhadhara nefoni mbozha, panguva imwechete inomanikidza vatengesi kuti vajairane nemaitiro matsva uye mabhangi kugovera materminal anoenderana.
Nyika mbiri
Pamwe mitsara yakapfuura hainzwisisi zvakanyanya kwauri. Chii chinodiwa nedzidzo nezve mobile kana kunyange contactless kubhadhara, iwe unobvunza? Uye pano tiri kusangana nedambudziko rimwe rakakura, kukonana kwenyika mbiri dzakasiyana. United States inopesana nedzimwe nyika. Ipo Europe, uye Czech Republic kunyanya, ari mutungamiri mundima yekubhadhara asingabatike, United States yakarara uye vanhu varipo vanoramba vachibhadhara nemakadhi egineti mitsetse uye nekutsvaira kuburikidza nevaverengi.
Musika weEurope, asiwo weChinese, kune rumwe rutivi, wakagadzirirwa zvakakwana. Tine zvese pano: vatengi vaiwanzotenga nekubata kadhi (uye mazuva ano kunyange nharembozha) kune terminal, vatengesi vaigashira kubvuma kubhadhara kwakadaro, uye mabhangi anotsigira zvese.
Kune rimwe divi, maAmerican kazhinji havazivi nezve mukana wekubhadhara neserura zvachose, nekuti nguva zhinji havana ruzivo rwekuti zvinotokwanisika kubhadhara usingabatike. Apple, uye kwete Apple chete, iri kuita zvisina kunaka. Kana mushandisi asingazivi kuti sarudzo dzakadaro dziripo, zvakaoma kungoerekana watanga kushandisa Apple Pay, Android Pay kana Samsung Pay. Mukuwedzera, kana achida, anowanzosangana nekusagadzirira kwemutengesi, uyo asingazove nechiteshi chinoenderana.
Samsung yakaedza kugadzirisa dambudziko iri remusika weAmerica nekuita kuti Pay yayo ishande kwete chete neasina kuonana terminal, asiwo ine magineti strip reader, asi ine mazana asingabatanidzi mabhanga achiburitsa makadhi ekubhadhara kupfuura Apple, uye nekudaro kugamuchirwa kunotadziswa kumwewo.
MuUnited States, pane chimwe chinhu chinobata zvese kumashure - iyo yatotaurwa CurrentC. Iyi mhinduro iri kure nekureruka sekubata foni yako kune terminal, kuisa kodhi kana zvigunwe uye iwe unobhadharwa, asi iwe unofanirwa kuvhura iyo app, pinda uye scan iyo barcode. Asi dambudziko nderekuti macheni makuru ekutengesa ekuAmerica akadai seWalmart, Best Buy kana CVS kubheja paCurrentC, saka vatengiwo zvavo pano havana kudzidza kushandisa masevhisi emazuva ano.
Neraki, Best Buy yakatotama kubva pahukama hwayo hwega neCurrentC, uye isu tinogona chete kutarisira kuti vamwe vanotevedzera. Mhinduro yeApple, Google uye Samsung zvese zviri nyore uye, pamusoro pezvose, zvakachengeteka.
Kuwedzera kunofanirwa
Apple Pay haina kumbobvira yaitirwa kuti ive chinhu cheAmerica chete. Apple yanga ichitamba pasi rose kwenguva yakareba, asi nyika yekumba yaive yekutanga kwayakakwanisa kuronga kudyidzana kwese kwaidiwa. Ivo pachavo muCupertino vangangodaro vaitarisira kuwana hurongwa hwavo hwekubhadhara kune dzimwe nyika kare, asi muna Ndira 2016 mamiriro ezvinhu akadaro, kunze kweUnited States, Apple Pay inongowanikwa muGreat Britain, Canada, Australia, Hong Kong, Singapore neSpain.
Panguva imwecheteyo, pane pakutanga kutaura kuti Apple Pay inogona kusvika kuEurope pakutanga kwe 2015. Pakupedzisira, yaingova pakati, uye muGreat Britain chete. Kuwedzera kunotevera kune nyika dzataurwa pamusoro kwakauya chete Mbudzi yapfuura (Canada, Australia) kana ikozvino muna Ndira, uye zvese izvi zvine muganho mukuru - Apple Pay inongotsigira American Express pano, iyo inonyanya kutsamwisa muEurope, uko Visa neMastercard. tonga dambudziko.
Apple sezviri pachena haina kunge yakabudirira mukutaurirana zvibvumirano uye kukwezva mabhangi, vatengesi uye vanoburitsa makadhi kune mhinduro yayo sezvazvaive muUnited States. Panguva imwecheteyo, kuwedzera kukuru kwakakosha zvakanyanya kune imwe budiriro yebasa.
Dai Apple Pay isina kutanga muAmerica asi muEurope, ingadai yakave nekutanga kuri nani uye nhamba dzingadai dzakave nani. Sezvatotaurwa, nepo kubhadhara kwese kwese kuchiri kwesainzi kumusika weAmerica, vazhinji vekuEurope vakatomirira nemoyo murefu Apple (kana chero imwe) Pay kuti isvike. Parizvino, isu tinofanirwa kunamira akasiyana akakosha zvimiti panharembozha dzedu kana kuisa zvivharo zvisingataridzike pazviri, kuitira kuti tigone kuyedza zano remangwana rekubhadhara usingabatike.
MuUK, semuenzaniso, vanhu vanogona kutobhadhara neApple Pay pazvifambiso zveveruzhinji, unova muenzaniso wakanaka wekushandisa sevhisi yakadai. Kana sarudzo dzakadai dziripo, zvichave nyore kuratidza vanhu kuti kubhadhara nharembozha kwakanakira chii uye kuti haisi imwe fashoni yetekinoroji, asi chinhu chinobatsira uye chinoshanda. Nhasi, anenge munhu wese anopinda muchitima kana menjanji aine nharembozha muruoko, saka sei uchizvinetsera kuwana chenji kana kadhi. Zvekare: meseji yakajeka uye iri pachena muEurope, dzidzo yakati siyanei uye yakawedzera inodiwa muAmerica.
Europe yakamirira
Asi pakupedzisira hazvisi zvakanyanya nezveUnited States. Apple inogona kuedza nepainogona napo, asi kugadzirisa kambani (kwete vatengi chete, asiwo mabhangi, vatengesi nevamwe) kubhadharo isina kubata uye matekinoroji matsva kunotora nguva. Kunyangwe muEurope, kushandiswa kwemagineti tepi hakuna kumira husiku, chete ikozvino tine kutungamira kwenguva refu pamusoro peAmerica - zvimwe zvinopesana netsika dzakajairwa.
Chinokosha kuendesa Apple Pay kuEurope nekukurumidza sezvinobvira. Uye zvakare kuChina. Musika uripo unoratidzika kunge wakatogadzirirwa zvirinani kubhadharwa kwemafoni kupfuura weEuropean. Huwandu hwemafoni ekubhadhara anoitwa pamwedzi ari mumazana emamiriyoni, uye chikamu chikuru chevanhu pano zvakare vane maPhones achangoburwa anodiwa kuApple Pay. Mushure mezvose, idzi zvakare nhau dzakanaka dze2016: nhamba yeazvino maPhones achawedzera pasi rese, uye pamwe nayo mukana wekushandisa foni kubhadhara.
Uye sezvo Apple sezviri pachena iri kuenda kuChina nePay yayo mumwedzi iri kuuya, musika weChinese ungangove musika wakakosha kune hofori yeCalifornia pane yekuAmerica nekuda kwemaitiro ayo uye huwandu hwekutengesa kwenharembozha.
Mumwedzi iri kuuya, Europe ingangove isina chekuita kunze kwekutarisa zvinosuruvarisa. Kunyangwe, semuenzaniso, vamiriri veVisa vakatozivisa nguva pfupi mushure mekutangwa kwesevhisi muna 2014 kuti vaifarira zvikuru kubatsira Apple munhaurirano nemabhangi epamba uye vakakwanisa kuwedzera pamwe Apple Pay muEurope yese, kusanganisira Czech Republic, nekukurumidza se zvinogoneka, hapana chiri kuitika.
Spain, ichangobva kuwedzerwa kukambani yakasarudzwa, inoita senge kuchema murima, kunyanya kana chibvumirano chiri chete neAmerican Express, uye munyaya iyi tinofanira kufunga nezveGreat Britain zvishoma solitaire, iyo isingaratidzi zvakakwana zviri kuitika mune imwe nyika yose.
Asi "makore" eApple Pay
Isu tinogona kudaidza 2015 gore reApple Pay, semuenzaniso, nekuti kana zita rainzwika kazhinji nenhau, yaive mhinduro yeApple. Zvakaoma kupokana kuti Apple ine simba rakawanda kupfuura ese rekusundidzira nharembozha nekukurumidza uye zvakanyanya kubudirira, nekungofunga kuti mangani maPhones matsva ayo anotengesa chikamu chega chega anodiwa Pay. Panguva imwecheteyo, mhinduro dzemakwikwi dziri kukurawo pamwe chete nazvo, uye chikamu chose chekubhadhara nhare chiri kukura zvachose.
Asi isu tinofanirwa kutaura nezve "chaiyo gore reApple Pay" kana iyi inoshuvira chikuva ichizopedzisira yawana boom chaiyo. Kana yakanyatsoputika muUnited States, iyo isiri mubvunzo wegore, uye pamusoro pezvose kana inosvika pasi rose zvizere, nokuti kana ichizobata chero kupi zvako ikozvino, ichava China neEurope. Isu tiri kufamba mune imwe nguva yakareba apo Apple Pay iri kutenderera zvishoma nezvishoma mavhiri ayo, ayo anogona kupedzisira ave colossus hombe.
Panguva iyoyo tichazokwanisa kutaura nezvazvo to ndiyo nguva yeApple Pay. Parizvino, zvakadaro, aya achiri matanho evacheche, ayo anodziviswa nezvipingamupinyi zvakakura kana zvidiki zvakataurwa pamusoro. Asi chinhu chimwe chine chokwadi: Europe neChina vakagadzirira, ingogogodza. Ndinovimba zvichave muna 2016.
Ini pachangu, ndinofunga kuti hapana chichaitika muna 2016 ... Pandinokurukura, semuenzaniso, vamiririri vemBank, vanonditarisa sokunge ndakadonha kubva padombo ndokuti, "Ndiani pakati pedu ane iPhone kana Apple Watch? " Ichi chikamu chidiki diki zvekuti hachina zvachinoreva kwatiri uye vanhu havachide, saka hazvina musoro kuti tiite nazvo.
Sezvandinoziva kuti zvinogona kusiyana mune mamwe mabhanga, asi meseji ingori yekuti ivo havaone bhizinesi mairi, saka nei vachifanira kuigadzirisa?
"Ndiani pakati pedu ane iPhone ... Nekune rimwe divi, ndingati vanhu vazhinji vanofamba zvakanyanya vane iPhones, uye ini handinzwisise kuti ndeipi imwe sevhisi yekubhadhara yavanofanirwa kunge vachibata nayo panguva ino kupfuura Apple Pay?" ... Asi ndinofungidzira hongu, kana vakadaro, ini handizive chero munhu ane mBank…
Isu takaridzawo painoti ini handidi kukwezva vanhu vanofamba zvakanyanya nePhones... Uye ndingabvunzawo, ripi bhengi raunoshandisa?
Saka ini ndinoda mBank zvakanyanya, kunze kwekuti zvinhu zvese zvakasununguka (asi mabhangi ese ane izvozvi, saka hapana kugovera), saka ini ndinonyatsoda yavo internet banking, kukwanisa kunyora zvakare zvinhu zviri mustatement neyangu. zvinyorwa uye zvinyorwa, kurongedza otomatiki kwemitengo, kunyora kutengeserana nema tag (zvinoda kukurumidza bhajeti yezororo), kutumira mari kuburikidza neSMS usingazive nhamba yechikwereti chemugamuchiri, kupatsanura kutengeserana mukutaura muzvinhu zvakati wandei, kuona bhajeti renguva inotevera. peji remba, ingani mari yemahara yandinayo, ndezvipi mari dzandakaronga uye imarii yandinogona kurasa munguva yakatariswa kubva pakubhadhara kuenda kumaricho, tsvaga matransaction mune yakazara zvinyorwa nemubatsiri uye nekuratidzwa kwepamoyo kwekutengeserana. Makore 4 apfuura ... Ndinonyatsonakidzwa nezvinhu izvi pamBank uye handina kumbozviona pane imwe bhengi, uye vane kwandiri yakakura yakawedzerwa kukosha kana ichienzaniswa nemakwikwi ... Ndicho chikonzero ndinoshandisa mBank.
Asi zvechokwadi haisi goridhe rose rinotambura kubva, semuenzaniso ivo vane mhedziso yakaipisisa yekutsinhana mitengo pavanenge vachibhadhara nekadhi kunze kwenyika uye ini ndinotsanangura izvi nekuti vanhu havazivi uye havana hanya uye kuti inyaya hombe. kwavari .. Hapana chinhu chemahara.. :)
asi bhanga harina chekuita nazvo. Iyo muparidzi tekinoroji yekubhadhara. Izvo kwatiri isu MasterCard uye Visa. Iyo bhangi haizoziva zvachose iyo yawakabhadhara kuburikidza neApple Pay. Ichaziviswa kubhangi sekutengesa kadhi rekubhadhara ...
Zvakanaka, hachisi chokwadi zvachose. Kanenge bhangi rine chekuita neizvi, kuti rinopa zviteshi kune vatengesi (zvitoro). Uye pamusoro pezvose, aya materminal achafanirwa kudzidza kushanda neApple Pay. Panguva imwecheteyo, ichada kutengeswa nehungwaru kune vanhu, kuitira kuti bhangi riite ruzha pamusoro payo zvakare, nekuda kwayo. Zvechokwadi, kudzoka kunogona kuonekwa munguva refu, asi hazvizove pakarepo.
Mazhinji ematerminals agara achienderana nesu. Ndozvazviri - musika wedu wakagadzirira. Iwe unongofanira kuita zvibvumirano, iro ndiro dambudziko guru.
Ndizvozvo. Kubhadhara kadhi kusingabatanidzi ndeye nfc
Chaizvoizvo zvakakwana pamunhu wese kunyangwe pasina kupinda pini? Zvakanaka, ndakaverenga chimwe chinhu pamusoro pazvo, asi kana yakaedzwa chaizvo uye ichishanda, handisi kunyatsonzwisisa kuti dambudziko nderei?
Zvakanaka, handina chokwadi nezve iyi poindi, ndinofunga panofanira kunge paine mamwe marongero ipapo, nekuti ini ndinofunga kuti pandinobhadhara neApple Pay, handifanire kuisa PIN pane terminal kunyangwe inodarika mazana mashanu CZK. uye ini ndichapihwa mvumo chete yekushandisa TouchID parunhare kana iri wachi, kunyangwe zvachose, kana nePIN yandinoisa kana ndichiiisa pachiwoko changu.. Uye ndinofunga kuti inofanira kuiswa neimwe nzira. .. Uye kana zvanga zvatove zvichibvira, zvino zvaizokwanisika kubhadhara kunzvimbo dzese muCR nekadhi reChirungu muApple Pay, asi ndinofunga kuti handizvo chaizvo..
Mushure mezvose, izvi ndizvo chaizvo zvinoitika. Kana iwe uine kadhi rekuAmerica mune yako iPhone, Apple Pay inoshandawo kuCzech terminals.
Iniwo handibvumirani zvachose neizvi, neimwe nzira bhangi, semutungamiri wemakadhi ekubhadhara aya, inofanirawo kutora chikamu muhurongwa uhu.
Zvinongonyadzisa kuti mBank haitomboda zvachose uye haina basa nazvo. Kana vaichida, ndingachifarira, nyorera mastercard / visa apuro uye ndizive zvinogoneka, asi ivo zvechokwadi havana kuita pandiri saizvozvo? Uye vakanyepedzera kuti ingori mari isingakoshi yebhangi zvakadaro uye kuti haina kukosha kwavari.. :( Zvinoita senge nzira inosiririsa kwandiri.. Ndaifunga kuti ndinongoda zvese izvi chero mutengo, asi ini guess not.
Iyo nguva iyo bhangi inotanga Apple Pay, mhuri yedu yese inochinja kwairi. Asi zvinosuruvarisa, handifungi kuti chero munhu achanyatsoitamba chero nguva munguva pfupi. Kune rumwe rutivi, zvakafanana, handina kufunga kuti Spotify, Netflix aizouya ... Isu tiri kubata zvishoma nezvishoma nenyika, saka tarisiro tichazviona zvakare.