Mekhoa e Mecha le Mecha e Mecha ea Hongzhou Smart in Mobile Money ATM

1. Selelekela

2. Melemo ea Bohlokoa ea Hongzhou Smart ho Mobile Money ATM

2.1 Lilemo tse Mashome tsa Boiqapelo ba R&D le Bokgoni ba Theknoloji

• Hardware ea Maemo a Indasteri : E na le li-touchscreen tsa 19-27 inch HD, li-casing tse thibelang ho senyeha, le li-module tse tsoetseng pele tsa encryption ho tšehetsa ts'ebetso ea 24/7 ntle le tlhokomelo.
• Netefatso e Tenyetsehang : Tšireletso ea mekhahlelo e mengata ka nomoro ea mohala + PIN, ho skena khoutu ea QR, kapa litlhahiso tsa USSD, ho felisa tlhoko ea likarete tsa banka tsa 'mele.
• Moralo oa Modular : E ka ntlafatsoa habonolo ho tloha ho baabi ba chelete ho ea ho li-terminal tse felletseng tsa depositi/ho ntša, e ikamahanya le litlhoko tsa khoebo tse fetohang.

2.2 Kopanyo e otlolohileng: Tlhahiso ea Hardware ea Sebaka se le seng

• Tlhahiso e Nepahetseng ea Khabinete : Ka ho sebelisa tšepe e phuthoang e batang ea 1.5–2.0 mm kapa tšepe e sa ruseng e nang le masela a thibelang mafome, a thibelang lerōle le a sa sisinyeheng, likhabinete li entsoe ka mokhoa oa ho tšoarella libakeng tse thata tsa Afrika.
• Tlhahiso ea Machining ea CNC le PCBA : Mela ea tlhahiso e netefalitsoeng ea ISO9001, ISO13485, le IATF16949 e netefatsa likarolo tse nepahetseng haholo le liboto tsa potoloho.
• Kopano e Tiileng le Teko : Terminal e 'ngoe le e 'ngoe e feta litekong tse matla tsa ho lumellana, ts'ireletso le botšepehi pele e tlisoa, e leng se fokotsang tlhokomelo sebakeng seo.

2.3 Ntshetsopele e Ikemetseng ya Software le Kopanyo ya Sistimi

• Tšehetso ea OS e Ikhethileng : Ho lumellana le litsamaiso tsa ts'ebetso tsa Windows, Android, kapa Linux ho latela likhetho tsa bareki.
• Kopanyo ea Protocol ea Lichelete ea USSD/GSM : Khokahano e se nang sekoli le li-server tsa sepache sa mohala tsa basebetsi ba mehala ea thekeng ka liteishene tse sireletsehileng tsa USSD, esita le libakeng tse nang le meralo ea motheo e tlase.
• Tokisetso ea SDK : Ho fana ka lisebelisoa tsa nts'etsopele ea software bakeng sa bareki ho kopanya li-ATM tsa Mobile Money le litsamaiso tsa bona tsa lichelete tse teng.
• Sistimi ea Tlhokomelo e hole : Ho latela boemo ba terminal ka nako ea sebele, data ea transaction, le litemoso tsa tlhokomelo, ho fokotsa litšenyehelo tsa ts'ebetso.

2.4 Tšebelisano-'moho ea Maano le Baetapele ba Mehala ea Thelefono ea Afrika

• Mohlala oa Tšebelisano-'moho : Hongzhou Smart e fana ka hardware le kopanyo ea software ea Mobile Money ATM e ikhethileng, ha basebetsi ba mehala ea puisano ba sebelisa basebelisi ba bona ba bangata ba sepache sa mohala le meralo ea motheo ea marang-rang bakeng sa ho kenya tšebetsong.
• Kakaretso ea 'Maraka : Ho kenngoa ha litšebeletso tse kopanetsoeng linaheng tse ngata tsa Afrika (mohlala, Ghana, Uganda, Cameroon) ho atolositse lits'ebeletso tsa lichelete ho limilione tsa basebelisi ba sa lefelloeng libanka.
• Boiqapelo bo Kopanetsoeng : Ho ntshetsapele dikarolo tse sebediswang sebakeng se le seng jwalo ka di-interface tsa dipuo tse ngata, mekgwa ya tshebediso e tlase ya matla, le disebediswa tsa taolo ya baemedi ho ikamahanya le ditlhoko tsa mmaraka wa sebaka.

3. Molao-motheo oa Ts'ebetso oa ATM ea Chelete ea Selefouno

1. Netefatso ea Mosebelisi : Mosebelisi o qala khoebo ka khoutu ea USSD (mohlala, *126# bakeng sa Cameroon) fonong ea hae ea selefouno, o khetha "ATM Cash-out," ebe o kenya PIN ea hae ho fumana token ea nakoana.
2. Netefatso ea Terminal : Mosebelisi o kenya token le nomoro ea mohala skrineng sa ho ama sa Mobile Money ATM. Terminal e hokela ho seva ea sepache sa mohala sa opereishene ea mehala ea thekeng ka GSM/USSD bakeng sa netefatso ea nako ea sebele.
3. Phethahatso ea Transaction : Ha netefatso e atlehile, terminal e aba chelete, e sebetsana le li-depositi, e fetisetsa chelete, kapa e phethela litefo tsa bili, ka data ea transaction e patiloeng e fetisetsoang ho seva.
4. Rasiti le Tsebiso : Mosebelisi o fumana rasiti e hatisitsoeng le netefatso ea SMS, ho netefatsa pepeneneng le ts'ireletso ea transaction.

4. Lintlha tsa Bohloko ba Indasteri tse Sebetsoang ke ATM ea Mobile Money ea Hongzhou Smart

4.1 Phihlello e Lekanyelitsoeng le Bothata

• Sebaka sa Bohloko : Matlo a setso a baemeli a sebetsa feela motšehare, ka mela e melelele le tšireletso e fokolang libakeng tsa mahaeng.
• Tharollo : Ts'ebetso e sa hlokomeloeng lihora tse 24 ka letsatsi, moralo o monyane bakeng sa ho kenngoa ha thepa ka mokhoa o tenyetsehang (limmaraka, metsana, libaka tsa lipalangoang), le li-interface tse bonolo ho li sebelisa bakeng sa basebelisi ba sa tsebeng ho bala le ho ngola hantle.

4.2 Litšenyehelo tse Phahameng tsa Ts'ebetso le Likotsi tsa Tšireletso

• Ntlha ea Bohloko : Baemeli ba lefisa likomishene tse phahameng (10–20% ka transaction) 'me ba tobane le likotsi tsa bosholu, bolotsana le liphoso tsa ho sebetsana le chelete.
• Tharollo : Fokotsa ditefiso tsa ditransekshene ka ditsamaiso tse iketsahallang, tshireletso e sireleditsweng ke PIN, hardware e thibelang ho senyeha, le ts'ebetso ya backend e sa hlokeng tjhelete ho fedisa dikotsi tse amanang le baemedi.

4.3 Mathata a ho Tsamaellana le Meralo ea Motheo ea Lehae

• Ntlha ea Bohloko : Li-ATM tse ngata li itšetlehile ka inthanete e potlakileng kapa litsamaiso tsa likarete tsa banka tse sa lumellaneng le marang-rang a nang le bandwidth e tlase Afrika 'me li na le limmaraka tse laoloang ke lifono.
• Tharollo : Theknoloji e thehiloeng ho GSM/USSD bakeng sa ditransekshene tse tsamaellanang le inthanete, moralo wa tshebediso ya matla a tlase, le tshehetso bakeng sa dipuo le ditjhelete tse ngata tsa lehae.

4.4 Ho Hloka ho Fetola le ho Kgona ho Kgolofatsa

• Ntlha ea Bohloko : Li-ATM tse tloaelehileng li ke ke tsa ikamahanya le litlhoko tse fapaneng tsa bareki (mohlala, ho etsa hore lebitso la k'hamphani le be le tloaelo, ntlafatso ea ts'ebetso) kapa ho hola ka tlhoko e ntseng e hola ea basebelisi.
• Tharollo : Moralo oa lisebelisoa tsa modular, ho iketsetsa lebitso le lesoeu (letšoao, 'mala, sebopeho), le ntlafatso e bonolo ho tloha ho bafani ba chelete ba mantlha ho ea ho li-terminal tse fanang ka litšebeletso tse felletseng.

5. Qetello le Tebello ea Bokamoso