Hongzhou Smart - Yotsogola kwa OEM & ODM kwa Zaka 15+
wopanga njira zothetsera vuto la kiosk
Hongzhou Smart ikulimbikitsa maziko a Mobile Money ATM pogwiritsa ntchito ukadaulo wa zachuma wa GSM ndi USSD
Mfundo Yogwirira Ntchito
GSM Technology Foundation:
USSD - Kutengera Ndalama Zogwiritsidwa Ntchito: USSD (Unstructured Supplementary Service Data) ndi ntchito yolumikizirana nthawi yeniyeni. Pa Mobile Money ATM, ogwiritsa ntchito amatha kuyambitsa zochitika zachuma polemba ma code enaake a USSD kudzera mu kiyibodi ya ATM. Kenako ATM imatumiza ma code awa ku seva ya wopereka chithandizo cha zachuma kudzera pa netiweki ya GSM. Seva imakonza pempholo ndikutumiza yankho, lomwe limawonetsedwa pazenera la ATM kuti wogwiritsa ntchito aone. Mwachitsanzo, wogwiritsa ntchito amatha kuwona ndalama zomwe ali nazo mu akaunti yake ya ndalama zam'manja, kusamutsa ndalama, kapena kulipira bilu potsatira malangizo omwe ali pazenera atalemba ma code oyenera a USSD.
Ubwino
Yosavuta Komanso Yosavuta Kugwiritsa Ntchito : Kugwiritsa ntchito USSD pa Mobile Money ATM n'kosavuta. Nthawi zambiri kumakhala ndi mawonekedwe oyendetsedwa ndi menyu, komwe ogwiritsa ntchito amatha kusankha ntchito zachuma zomwe akufuna potsatira malangizo omwe ali pazenera. Ngakhale anthu omwe ali ndi chidziwitso chochepa chaukadaulo amatha kumvetsetsa mosavuta ndikugwiritsa ntchito ATM kuti amalize zochitika.
Mtengo - Wogwira Ntchito: Poyerekeza ndi ntchito zina za banki yam'manja kapena ma ATM zomwe zingafunike mapulani okwera mtengo a data kapena zida zapamwamba, ma ATM a Mobile Money ochokera ku GSM - ndi USSD - ali ndi ndalama zochepa zogwirira ntchito. Izi zili choncho chifukwa amagwiritsa ntchito zomangamanga za netiweki ya GSM zomwe zilipo ndipo safuna ukadaulo wowonjezera kapena zomangamanga zokwera mtengo kuti atumize deta, zomwe zimapangitsa kuti ikhale njira yotsika mtengo yoperekera chithandizo cha ndalama, makamaka m'madera omwe anthu osauka ali ndi ndalama zochepa.
Chitetezo Chapamwamba : Nthawi zambiri ntchito za USSD zimafuna kuti ogwiritsa ntchito alembe PIN kapena mawu achinsinsi kuti awonjezere chitetezo ndikuletsa anthu osaloledwa kulowa. Kuphatikiza apo, netiweki ya GSM imaperekanso njira zina zotetezera, monga kubisa kutumiza deta, kuti zitsimikizire chitetezo cha zochitika zachuma. Izi zimathandiza kulimbitsa chidaliro cha ogwiritsa ntchito ndipo zimalimbikitsa anthu ambiri kugwiritsa ntchito ma ATM a Mobile Money pa ntchito zachuma.
Chifukwa chiyani ma ATM a Mobile Money ndi otchuka pamsika wa ku Africa?
Choyamba, ndiyenera kuganizira za chikhalidwe cha anthu ku Africa. Africa ili ndi anthu ochepa omwe amalowa m'mabanki, ndipo anthu ambiri alibe mabanki, makamaka m'madera akumidzi. Ma ATM a Mobile Money amadzaza kusiyana kumeneku pogwiritsa ntchito mafoni am'manja, omwe ndi ofala ngakhale pakati pa magulu osauka. Kupezeka kumeneku ndi chinthu chofunikira kwambiri.
Kenako, ma ATM a Mobile Money ku Africa amadalira kwambiri ukadaulo wa GSM ndi USSD. USSD imagwirizana ndi mafoni oyambira, omwe amapezeka kwambiri ku Africa chifukwa cha mtengo wotsika. Mosiyana ndi mapulogalamu odalira mafoni a m'manja, USSD sifunikira kulumikizana kwa data yambiri, zomwe zimapangitsa kuti ikhale yoyenera madera omwe ali ndi intaneti yofooka. Ubwino waukadaulo uwu umathandizira kwambiri kutchuka kwawo.
Thandizo la malamulo ndi chinthu china chofunikira. Maboma ambiri aku Africa achepetsa malamulo olimbikitsa ntchito zachuma pafoni, kulimbikitsa ogwira ntchito zamatelefoni ndi mabanki kuti agwirizane. Mwachitsanzo, M-Pesa ya ku Kenya idapambana chifukwa cha mfundo zothandizira, zomwe mwanjira ina zidapangitsa kuti ma ATM a Mobile Money ayambe kugwiritsidwa ntchito.
Kuphatikiza apo, njira yopezera ndalama pafoni ku Africa yakula. Ntchito monga M-Pesa ndi MTN Mobile Money zapeza chidaliro chachikulu kwa ogwiritsa ntchito, zomwe zapanga maziko a Mobile Money ATM. Ogwiritsa ntchito azolowera kuchita malonda pafoni ndipo tsopano akufuna njira yosavuta yopezera ndalama, zomwe ATM zimakwaniritsa.
Kugwiritsa ntchito bwino ndalama ndi chinthu chinanso chofunikira. Kumanga nthambi za banki zachikhalidwe n'kokwera mtengo, pomwe ma ATM a Mobile Money amatha kugwiritsidwa ntchito motchipa pogwiritsa ntchito zomangamanga za GSM zomwe zilipo. Izi zimapangitsa kuti ntchito zachuma zifike kumadera akutali, zomwe zimachepetsa ndalama zogwirira ntchito.
Zinthu zachikhalidwe siziyenera kunyalanyazidwa. Anthu ambiri aku Africa amakonda kuchita malonda ndi ndalama, ndipo ma ATM a Mobile Money amapereka mlatho pakati pa ndalama za digito ndi zakuthupi, zomwe zimakwaniritsa zomwe ogwiritsa ntchito amakonda.
Kuganizira za chitetezo ndi mbali ina. Zochita za USSD nthawi zambiri zimafuna kutsimikizira PIN, ndipo maukonde a GSM amapereka njira zobisa, zomwe zimawonjezera chidaliro cha ogwiritsa ntchito pa chitetezo. Izi ndizofunikira kwambiri m'madera omwe ali ndi chiopsezo chachikulu cha chinyengo.
