ATM yeMobile Money

I. Maitiro ekushandisa Mobile Money ATM

• Misika Iri Kukura & Nzvimbo Dziri Kure : Inonyanya kukodzera nzvimbo dzine zvivakwa zvemabhanga zvisina kusimba zvakaita seAfrica, Southeast Asia neLatin America. Munyika dzakadai seKenya, Nigeria neSouth Africa, uko kubhadhara nefoni kwakakurumbira, Mobile Money ATM yedu inonyatsoenderana nemaitiro evashandisi vemunharaunda vanofarira mawallet efoni pane makadhi ebhangi chaiwo, ichifukidza nzvimbo dzemumaguta nedzekumaruwa kuti mabasa emari adzikire.
• Mabhangi & Masangano Emari : Kushandira pamwe nemabhangi epasi rose nemasangano emari kuwedzera nzira dzebasa, kuderedza mutengo wezvitoro zvisiri pamhepo, uye kupa mabasa ekuzvishandira maawa makumi maviri nemana kune vashandisi, kusanganisira kuisa mari nekubvisa, kutumira mari uye kubhadhara mabhiri, zvichibatsira masangano kuzadzisa zvinangwa zvemari zvinosanganisirwa.
• Vashandi veTerefone : Vachibatanidza nehurongwa hwemafoni evashandisi (senge M-Pesa muKenya), inopa vashandisi mukana wekubatanidza maakaundi efoni nemari, vachitsigira kuchaja nharembozha, kutumira mari uye mamwe mabasa, uye vachibatsira vashandi kuwedzera nharaunda yavo yebasa rezvemari.
• Nzvimbo dzekutengesa nedzeveruzhinji : Dziri muzvitoro zvikuru, muzvitoro zvinotengesa zvinhu zviri nyore, muzvitoro zvinotengesa mafuta, munzvimbo dzakanaka uye munzvimbo dzekugara, inopa mari yekubvisa, kubhadhara mabhiri uye mabasa anowedzera kukosha kune vatengi nevagari, zvichivandudza hupenyu hwezuva nezuva uye kunamatira kwevatakuri vevatengesi vanobatsirana.
• Mamiriro Ekutumira Mari Kubva Kumiganhu : Inotsigira mabasa ekutumira mari kubva kumiganhu yenyika uye ekuchinjana mari yekunze, inogadzirisa matambudziko emitengo yakakwira uye kutenderera kwenguva refu kwekutumira mari kwechinyakare kubva kumiganhu yenyika, uye inoshandiswa zvakanyanya mukutengeserana kwemiganhu yenyika uye kutumira mari yevashandi munzvimbo dziri pamiganhu yenyika.

II. Mabasa Makuru eChigadzirwa cheMobile Money ATM

• Mabasa ekutanga ekutengeserana kwemari : Anotsigira kubvunza nezvemari yemufoni, kuisa mari mubhangi nekubvisa mari, kutumira mari muakaundi (pakati pebhangi/mukati mebhangi), kubhadhara mabhiri (mvura, magetsi, kutaurirana, kuchengetedzwa kwevanhu, nezvimwewo), kuzadzisa zvinodiwa nevashandisi zvezuva nezuva. Inogona kubatwa yega maawa makumi maviri nemana pazuva pasina kuenda kuzvitoro zvisiri pamhepo, zvichivandudza kushanda kwebasa.
• Mabasa ekugadzirisa kubhadhara nefoni : Anoenderana nenzira dzekubhadhara nefoni, anotsigira QR code scanning transactions, USSD code command operations uye NFC (Near Field Communication) transactions. Yakakodzera mafoni akasiyana-siyana uye mafoni, uye inogona kupedzisa transactions ichishandisa maGSM networks asina internet inokurumidza, ichifukidza boka guru revashandisi, kunyanya nzvimbo dzisina network infrastructure.
• Mabasa eVimbiso Yekuchengetedza Yakakwirira : Inoshandisa nzira dzakasiyana dzekuchengetedza dzakadai sekusimbisa password yePIN, encryption yekutumira data uye dual identity authentication. Ichishandisa sisitimu yekudzivirira kuchengetedzwa kweGSM network, inodzivirira njodzi dzakadai sekuba nekubiridzira, uye inovimbisa kuchengetedzwa kwemari yemushandisi neruzivo. Panguva imwe chete, ine kuferefeta zvinyorwa zvekutengeserana panguva chaiyo uye mabasa asina kujairika ekunyevera kutengeserana, ayo anogona kuteverwa mukati menguva yese.
• Mabasa Ekuwedzera Akagadzirwa Nevatengi: Zvichienderana nezvinodiwa nevatengi, inogona kuwedzera mabasa akawedzerwa kukosha akadai sekutsinhana mari yekune dzimwe nyika, kuchaja makadhi efoni, kutenga lotari, uye kuunganidza nekutumira zvinhu; inotsigira kuchinjana kweinterface yemitauro yakawanda, inochinjika kumaitiro ekushandiswa kwenyika dzakasiyana siyana nenzvimbo, uye inosangana nezvinodiwa zvepasi rose zvakasiyana-siyana.
• Mabasa Ekushanda Nekugadzirisa Midziyo : Ane mabasa ekutarisa ari kure, yambiro yekutanga uye mabasa ekuongorora otomatiki. Vatungamiriri vanogona kutarisa mamiriro ekushanda kwemidziyo panguva chaiyo, data remari nerekutengeserana, kubata zvikanganiso zvidiki vari kure, uye kuderedza mari yekushanda nekugadzirisa panzvimbo; anotsigira manejimendi emidziyo yakawanda kuti avandudze mashandiro ekushanda nekugadzirisa.

III. Gwaro Rekushandisa Zviri Nyore reMobile Money ATM

1. Kushanda Kwekubvisa Mari (Basa Rinonyanya Kushandiswa)

1. Pachiratidziro chemuchina chiripo, sarudza basa rekuti "Mobile Money Withdrawal" wobva wasimbisa kuti upinde papeji rekushanda;
2. Isa nhamba yefoni yakasungirirwa panharembozha, tinya simbisa, wobva waisa PIN code yekutengeserana (kusimbiswa kwehunhu);
3. Zvichienderana nemirairo iri pachikirini, isa mari yekubvisa mari wobva waisa murairo mushure mekusimbisa kuti ndeyechokwadi;
4. Chishandiso ichi chinosangana nesevha yemushandi wenharembozha kuburikidza neGSM network, uye chinopa mari yega yega mushure mekuona kuti ruzivo rwacho nderwechokwadi;
5. Mushure mekunge mushandisi atora mari, anogona kusarudza kudhinda risiti rekutengeserana. Basa racho rapera, uye sisitimu yacho inobva yabuda yoga.

2. Kuferefeta Mari Yakaenzana uye Kushanda Kwekutumira Mari

1. Sarudza basa rekuti "Balance Inquiry" kana kuti "Transfer", isa nhamba yefoni nePIN code kuti upedzise kusimbisa hunhu hwako;
2. Kubvunza Nezvemari Yasara: Mushure mekusimbiswa, mari yasara iri munharembozha inoonekwa pachiratidziro panguva chaiyo, uye zvinyorwa zvekutengeserana munguva pfupi yapfuura zvinogona kubvunzwa;
3. Kutamiswa Kwemari: Isa nhamba yefoni yemunhu anobhadharwa uye huwandu hwemari yekutumira, wotumira mushure mekusimbisa ruzivo, sisitimu inodzosera mhedzisiro yekutengeserana panguva chaiyo, uye kutamiswa kunosvika ipapo ipapo.

3. USSD Command Auxiliary Operation

IV. Kugona Kuisa Sisitimu Yechitatu-Party

• Kuisa data mumafoni uchishandisa masisitimu evashandisi vemafoni : Batanidza nemasisitimu emafoni evashandisi vepasi rose (akadai seM-Pesa muKenya, PalmPay muNigeria), shanda pamwe chete nedata renguva chaiyo pakati pemaakaundi efoni nemidziyo yeATM, uye tsigira mabasa akadai sekubviswa kwemari, kusimbisa kutengeserana uye kuwiriranisa zvinyorwa, zvichiita kuti data rekutengeserana kwemushandisi rirambe riripo pamapuratifomu akasiyana.
• Kuisa mari mumabhanga nehurongwa hwemari : Inoenderana nehurongwa hwemabhangi makuru (CBS) epasi rese, inotsigira kutumirwa kwemari pakati pemabhangi nemukati mebhangi, kuwiriranisa mari yekuisa mari nekubvisa mari, uye kuona kubatana pakati pemasevhisi efoni nemasevhisi ekare ebhangi, zvichibatsira masangano emari kuwedzera nzira dzebasa.
• Kuisa Mabhokisi Ekushandisa Mapuratifomu Ekubhadhara Echitatu : Tsigirai kuisa Mabhokisi Ekushandisa Mapuratifomu Ekubhadhara Echitatu pasi rose, anoenderana neQR code payment standards yemapuratifomu akasiyana-siyana, uye anoita kuti pave nekubatana kwakanaka pakati pemidziyo yeATM nemakambani ekubhadhara echitatu, zvichizadzisa zvinodiwa zvakasiyana-siyana zvekubhadhara zvevashandisi.
• Mhinduro dzeDocking Dzakagadzirirwa : Ipai timu dzehunyanzvi dzehunyanzvi kuti dzigadzirise ma docking interfaces uye maprotocol ekudyidzana kwedata zvichienderana nezvinodiwa nevatengi, kutsigira kuvandudzwa kwechipiri uye kuvandudzwa kwesystem, uye kuve nechokwadi chekuti mudziyo unogona kuenderana zvakakwana nesystem yebhizinesi yemutengi iripo, zvichideredza mutengo wekushandurwa kwesystem uye kuiswa kwayo.
• Kuchengetedzwa kweData : Shandisa nzira yekutumira data yakavharidzirwa panguva yekuisa data mu "docking", tevedzera mitemo yepasi rose yekuchengetedza data, chengetedza kuchengetedzwa uye kuvanzika kwedata rekutengeserana neruzivo rwemushandisi, uye dzivirira kuburitswa kwedata uye njodzi dzekukanganisa data.

V. Mabhenefiti eHongzhou Smart ekukwikwidzana

(I) Nzvimbo Yekugadzira: Kugadzira Zvinhu Zvitsva Kunoenderana Nevatengi, Kunochinjika Nekuchinja

• Shandisa dhizaini yakagadzirwa nevanhu, ine menyu iri nyore uye zvinokurudzirwa zvakajeka, izvo zvakakodzera vashandisi vemazera ese nedzidzo, kunyanya kune vashandisi vari mumisika iri kusimukira vasina ruzivo nezvemidziyo yemagetsi yakaoma;
• Dhizaini zvinoenderana nehunhu hwenzvimbo dzakasiyana, inodzivirira guruva, isingapindi mvura, inodziya zvakanyanya uye inodziya zvishoma, ichichinjika kunzvimbo dzakaoma dzekushanda dzakadai senzvimbo dzinopisa, nzvimbo dzekumaruwa dziri kure nenzvimbo dzakanaka dzekunze;
• Tsigira dhizaini yakagadzirirwa mutengi, zvichienderana nemufananidzo wechiratidzo chemutengi, zvinodiwa pakushanda uye maitiro ekushandisa munharaunda, gadzirisa chitarisiko, interface, mamodule ekushanda uye marongero emitauro emudziyo, zvichibatsira vatengi kukurumidza kuchinjika kumusika wemuno;
• Rambai muchigadzira zvinhu zvitsva zvichienderana nezvinodiwa nemusika, batanidzai matekinoroji matsva akadai seNFC uye biometric identification, uye rambai muchivandudza mashandiro ezvigadzirwa kuti murambe muchikwikwidza pamusika, muchifambirana nekufambira mberi kwekubhadhara kwepasi rose nefoni.

(II) Nzvimbo Yokugadzira: Kudzora Hunhu Hwakasimba, Kugadzira Zvinobudirira

• Tora michina yekugadzira yepamusoro uye tekinoroji yegungano, ziva kugadzirwa kwakajairika uye otomatiki, deredza zvikanganiso zvemaoko, uye vimbisa kuenderana uye kugadzikana kwemhando yechigadzirwa;
• Gadzirai hurongwa hwekuongorora hunhu hwese, itai ongororo yakasimba pazvinhu zvakagadzirwa, zvigadzirwa zvakapedzwa zvishoma uye zvigadzirwa zvakapedzwa, uye zvigadzirwa zvese zvinopasa zvitupa zvemhando yepamusoro zvepasi rose zvakaita seCE, FCC neRoHS, zvichisangana nezvinodiwa zvekunze kwenyika dzakasiyana siyana nematunhu;
• Vane simba guru rekugadzira, vane zvigadzirwa zvemagetsi zvinopfuura 100,000 pagore, izvo zvinogona kugutsa zvinodiwa nevatengi vakawanda uye kuve nechokwadi chekuti zvinhu zvinotumirwa nenguva, zvichigadzirisa dambudziko rekuti vatengi vekunze kwenyika vanotora nguva yakareba yekutumira zvinhu;
• Gadzirisa manejimendi yezvekutengeswa kwezvinhu, shandira pamwe nevatengesi vanozivikanwa pasi rose kuti uve nechokwadi chekuti zvinhu zvakagadzirwa zvakanaka zviri kugadzikana uye kuderedza njodzi yekunonoka kwekugadzirwa; panguva imwe chete, dzora mutengo wekugadzira, uye ipa vatengi zvigadzirwa zvinodhura zvakanyanya.

(III) Nzvimbo yekuvandudza masisitimu esoftware: R&D yakazvimiririra, Yakagadzikana uye Inoshanda

• Kutsvaga nekugadzira software huru yeMobile Money ATM, ine kodzero dzepfungwa dzakazvimirira, izvo zvinogona kudzivirira njodzi yekusawirirana kwekodzero dzesoftware uye kuve nechokwadi chekuti system yacho inodzorwa yakazvimirira;
• Sisitimu yesoftware inoshandisa dhizaini yemodular, iri nyore kusimudzira nekugadzirisa, uye inogona kuwedzera mabasa matsva nekukurumidza zvichienderana nezvinodiwa nevatengi uye shanduko dzemusika, pasina shanduko huru yesisitimu yese;
• Tarisa pakugadzikana uye kuchengetedzeka kwesystem, gadzirisa mashandiro esystem, kuderedza kudonha kwesystem uye mwero wekukundikana kwayo; panguva imwe chete, ramba uchivandudza system yekuchengetedza, dzivisa kurwiswa kwenetwork uye kubuda kwedata, uye chengetedza mashandiro akachengeteka ekutengeserana;
• Tsigira kugadziriswa kwemitauro yakawanda, mari yakawanda uye nzvimbo yenguva yakawanda, uye software interface uye transaction logic zvinogona kugadziriswa zvichienderana nehunhu hwenyika dzakasiyana nenzvimbo, zvichizadzisa kudiwa kwemusika wepasi rose;
• Shandisa nzira yekuvandudza yakagadzirwa, gadzirisa mafungiro ekudyidzana kwesystem, uye vandudza kumhanya kwekupindura kwekutengeserana, uchivimbisa kuti kutengeserana kwega kwega kunogona kupedzwa nekukurumidza uye zvakadzikama, uchivandudza ruzivo rwemushandisi.

(IV) Nzvimbo yekubatanidza sisitimu: Basa reOne-Stop, Kubatanidza Pasina Musono

• Kupa mabasa ehunyanzvi ekubatanidza masisitimu, anosanganisira kufananidza hardware nesoftware, kudhonza sisitimu yechitatu, kuenderana kwedata, kugadzirisa masystem nezvimwe zvinongedzo, kuve nechokwadi chekuti Mobile Money ATM inogona kubatana zvakanaka nesisitimu iripo yemutengi, uye kuita kuti bhizinesi rese rishande zvakanaka;
• Iva nechikwata chehunyanzvi chebasa rehunyanzvi, kupa masevhisi ekuisa, kugadzirisa matambudziko uye kudzidzisa vatengi panzvimbo yacho, kubatsira vatengi kugona kushandisa nekuchengetedza hunyanzvi hwemidziyo nemasisitimu, uye kuderedza kuoma kwekushanda gare gare;
• Ipa rutsigiro rwehunyanzvi rwenguva refu mushure mekutengesa, sevhisi yepamhepo yemaawa makumi maviri nemana, kugadzirisa matambudziko anosangana nevatengi mukushanda kwesystem nekushandiswa kwemidziyo nenguva, uye kuve nechokwadi chekushanda kwakasimba kwemidziyo;
• Kubatanidza zvese zvinoshandiswa muindasitiri, kubva pakugadzira zvigadzirwa, kugadzira, kugadzira software kusvika pakubatanidza masisitimu uye sevhisi mushure mekutengesa, kupa vatengi mhinduro dzekuchinja, kuderedza mari yekutenga nekushandisa yemutengi, uye kuvandudza kushanda zvakanaka kwekusvika kwepurojekiti.