ATM ea Chelete ea Mohala

I. Maemo a Kopo ea ATM ea Mohala oa Thepa ea Mohala

• Limmaraka tse Hlahang le Libaka tse hole : E loketse haholo libaka tse nang le meralo ea motheo ea libanka e sa tsoelang pele joalo ka Afrika, Asia Boroa-bochabela le Latin America. Linaheng tse kang Kenya, Nigeria le Afrika Boroa, moo tefo ea mehala ea thekeng e tummeng haholo, ATM ea rona ea Mobile Money e ts'oana hantle le mekhoa ea ts'ebeliso ea basebelisi ba lehae ba ratang li-wallet tsa mehala ea thekeng ho feta likarete tsa banka tsa 'mele, e koahelang libaka tsa litoropo le tsa mahaeng ho fihlela lits'ebeletso tsa lichelete li putlama.
• Libanka le Mekhatlo ea Lichelete : Ho sebelisana 'moho le libanka tsa lefats'e le mekhatlo ea lichelete ho atolosa liteishene tsa litšebeletso, ho fokotsa litšenyehelo tsa mabenkele a sa sebelisoeng inthaneteng, le ho fana ka litšebeletso tsa boithaopo tsa lihora tse 24 bakeng sa basebelisi, ho kenyeletsoa ho kenya chelete le ho ntša chelete, ho fetisetsa le ho lefa bili, ho thusa mekhatlo ho fihlela lipheo tsa lichelete tse kenyeletsang bohle.
• Basebelisi ba Mehala ea Thelefono : Ka ho hokahana le litsamaiso tsa sepache sa mohala tsa basebelisi (joalo ka M-Pesa Kenya), e fa basebelisi khokahano e se nang sekoli pakeng tsa liakhaonto tsa mohala oa thelefono le chelete, e tšehetsa ho nchafatsa mohala oa thelefono, phetisetso ea chelete le lits'ebeletso tse ling, le ho thusa basebelisi ho holisa tikoloho ea bona ea litšebeletso tsa lichelete.
• Maemo a Mabenkele le a Sechaba : E sebelisoa mabenkeleng a maholo, mabenkeleng a boiketlo, liteisheneng tsa peterole, libakeng tse ntle le libakeng tsa bolulo, e fana ka ho ntša chelete sebakeng seo, ho lefa bili le lits'ebeletso tse ekelitsoeng boleng bakeng sa bareki le baahi, e ntlafatsa boiketlo ba bophelo ba letsatsi le letsatsi le ho khomarela ha phallo ea bapalami ba barekisi ba tšebelisano-'moho.
• Maemo a ho Romela Meeling e Tšeletseng : Ho tšehetsa mesebetsi ea ho romella chelete e nyane e tšelang meeli le phapanyetsano ea chelete ea kantle ho naha, e rarolla mathata a litšenyehelo tse phahameng le potoloho e telele ea ho romella chelete ea setso e tšelang meeli, 'me e sebelisoa haholo maemong a khoebo e tšelang meeli le a basebetsi libakeng tsa meeli.

II. Mesebetsi ea Bohlokoa ea Sehlahisoa sa Mobile Money ATM

• Mesebetsi ea Motheo ea Litšebelisano tsa Lichelete : E tšehetsa lipatlisiso tsa tekanyo ea sepache sa mohala, ho kenya le ho ntša chelete, ho fetisetsa akhaonto (lipankeng tse peli/ka hare ho libanka), ho lefa bili (metsi, motlakase, puisano, ts'ireletso ea sechaba, jj.), ho fihlela litlhoko tsa letsatsi le letsatsi tsa tsamaiso ea lichelete tsa basebelisi ka botlalo. E ka sebetsoa ka boikemelo lihora tse 24 ka letsatsi ntle le ho ea mabenkeleng a kantle ho marang-rang, e ntlafatsang haholo ts'ebetso ea litšebeletso.
• Mesebetsi ea ho Ikamahanya le Tefo ea Selefouno : E lumellana le mekhoa e tloaelehileng ea ho lefa ea selefouno, e tšehetsang litšebelisano tsa ho skena khoutu ea QR, ts'ebetso ea taelo ea khoutu ea USSD le litšebelisano tsa NFC (Near Field Communication). E loketse lifono tse fapaneng tsa likarolo le li-smartphone, 'me e ka phethela litšebelisano tse itšetlehileng ka marang-rang a GSM ntle le inthanete e potlakileng, e akaretsang sehlopha se seholo sa basebelisi, haholo-holo e loketseng libaka tse nang le meralo ea motheo ea marang-rang e fokolang.
• Mesebetsi ea Tiisetso ea Tšireletso e Phahameng : E ​​amohela mekhoa e mengata ea tšireletso e kang netefatso ea phasewete ea PIN, encryption ea phetiso ea data le netefatso ea boitsebiso bo habeli. E itšetlehile ka sistimi ea tšireletso ea ts'ireletso ea marang-rang a GSM, e thibela likotsi tse kang bosholu le bolotsana ka katleho, 'me e netefatsa ts'ireletso ea lichelete le tlhahisoleseling ea basebelisi. Ka nako e ts'oanang, e na le lipatlisiso tsa rekoto ea litšebelisano tsa nako ea sebele le mesebetsi e sa tloaelehang ea temoso ea pele ea litšebelisano, e ka lateloang nakong eohle ea ts'ebetso.
• Mesebetsi ea Katoloso e Ikhethileng : Ho latela litlhoko tsa bareki, e ka atolosa lits'ebeletso tse ekelitsoeng boleng ka mokhoa o feto-fetohang joalo ka phapanyetsano ea chelete ea kantle ho naha, ho nchafatsa likarete tsa mohala oa thekeng, ho reka lothari, le ho bokella le ho tlisa thepa ka har'a li-courier; e tšehetsa phetoho ea sebopeho sa lipuo tse ngata, e ikamahanya le mekhoa ea ts'ebeliso ea linaha le libaka tse fapaneng, 'me e fihlela litlhoko tsa maemo a fapaneng lefatšeng ka bophara.
• Mesebetsi ea Tsamaiso ea Ts'ebetso le Tlhokomelo ea Lisebelisoa : E hlomelitsoe ka tlhokomelo e hole, temoso ea pele ea liphoso le mesebetsi ea tlhahlobo ea othomathiki. Batsamaisi ba ka hlahloba boemo ba ts'ebetso ea lisebelisoa ka nako ea sebele, lenane la chelete le data ea litšebelisano, ba sebetsana le liphoso tse nyane ba le hole, 'me ba fokotsa litšenyehelo tsa ts'ebetso le tlhokomelo sebakeng seo; ba tšehetsa tsamaiso ea lisebelisoa tse ngata ho ntlafatsa ts'ebetso le ts'ebetso ea tlhokomelo.

III. Tataiso e Bonolo ea Ts'ebetso bakeng sa ATM ea Chelete ea Selefouno

1. Ts'ebetso ea ho ntša chelete (Mosebetsi o sebelisoang hangata)

1. Sebakeng sa ho ema sa sesebediswa, kgetha mosebetsi wa "Ho ntsha tjhelete ka selefouno" mme o netefatse ho kena leqepheng la tshebetso;
2. Kenya nomoro ea mohala oa selefouno e tlameletsoeng ho sepache sa mohala, tobetsa netefatsa, ebe u kenya khoutu ea PIN ea transaction (netefatso ea boitsebiso);
3. Ho ya ka ditaelo tse skrineng, kenya tjhelete ya ho ntsha tjhelete mme o romelle taelo ka mora ho netefatsa hore e nepahetse;
4. Sesebediswa se sebelisana le seva sa opareitara ya mohala ka marangrang a GSM, mme se fana ka tjhelete ka boiketsetso kamora ho netefatsa hore tlhahisoleseding e nepahetse;
5. Kamora hore mosebelisi a nke chelete, a ka khetha ho printa rasiti ea transaction. Ts'ebetso e phethetsoe, 'me sistimi e tsoa ka bo eona.

2. Patlisiso ea Tekanyo le Ts'ebetso ea Phetisetso

1. Kgetha tshebetso ya "Tlhahlobo ya Tekanyo ya Tekanyo" kapa "Phetisetso", kenya nomoro ya mohala wa thekeng le khoutu ya PIN ho phethela netefatso ya boitsebiso;
2. Patlisiso ea Tekanyo: Kamora netefatso, tekanyo ea hona joale ea sepache sa mohala e bontšoa skrineng ka nako ea sebele, 'me lirekoto tsa morao-rao tsa litšebelisano li ka botsoa;
3. Ts'ebetso ea Phetisetso: Kenya nomoro ea mohala oa mohala oa motho ea lefshoang le chelete ea phetisetso, u e romelle kamora ho netefatsa tlhahisoleseling, sistimi e tla khutlisetsa sephetho sa transaction ka nako ea sebele, 'me phetisetso e fihla hang-hang.

3. Ts'ebetso e Thusang ea Taelo ea USSD

IV. Bokgoni ba ho Koeketsa Sistimi ya Mokga wa Boraro

• Ho Koeka ka Sistimi ea Basebelisi ba Mehala ea Thelefono : Hokahana ka mokhoa o tsitsitseng le litsamaiso tsa sepache sa mehala tsa basebetsi ba lefats'e ka bophara (joalo ka M-Pesa Kenya, PalmPay Nigeria), ho hlokomela tšebelisano ea data ea nako ea sebele lipakeng tsa liakhaonto tsa mohala oa thelefono le lisebelisoa tsa ATM, le ho tšehetsa mesebetsi e kang ho fokotsa chelete, netefatso ea litšebelisano le ho hokahanya lirekoto, ho netefatsa botsitso ba data ea litšebelisano tsa basebelisi ho pholletsa le li-platform.
• Ho kenya chelete ka litsamaiso tsa banka le tsa lichelete : E lumellana le litsamaiso tsa mantlha tsa banka (CBS) tsa libanka tse kholo lefatšeng ka bophara, e tšehetsa phetisetso ea chelete lipakeng tsa libanka le tsa ka hare ho libanka, ho hokahanya depositi ea chelete le ho ntša chelete, 'me e hlokomela khokahano lipakeng tsa lits'ebeletso tsa sepache sa mohala le lits'ebeletso tsa banka tsa setso, e thusa mekhatlo ea lichelete ho holisa liteishene tsa lits'ebeletso.
• Ho Koalla ka Li-platform tsa Tefo tsa Mokha oa Boraro : Tšehetsa ho koalla ka li-platform tse tloaelehileng tsa lefats'e tsa tefo tsa mokha oa boraro, tse lumellanang le maemo a tefo a khoutu ea QR a li-platform tse fapaneng, le ho hlokomela khokahano e se nang sekoli pakeng tsa lisebelisoa tsa ATM le litsamaiso tsa tefo tsa mokha oa boraro, ho fihlela litlhoko tse fapaneng tsa tefo tsa basebelisi.
• Litharollo tsa ho Koalla ka Mokhoa o Ikhethileng : Fana ka lihlopha tsa litsebi tsa botekgeniki ho etsa hore li-interface tsa ho koalla li be teng le liprothokholi tsa tšebelisano-'moho ea data li iketsetse ho latela litlhaloso tsa sistimi tse ikhethileng tsa moreki, ho tšehetsa nts'etsopele ea bobeli le ntlafatso ea sistimi, le ho netefatsa hore sesebelisoa se ka ikamahanya hantle le sistimi ea khoebo ea moreki e teng, ho fokotsa litšenyehelo tsa phetoho le ho kenngoa ha sistimi.
• Ho Koalla Tšireletso ea Lintlha : Amohela protocol ea phetiso ea data e patiloeng ts'ebetsong ea ho koalla, latela ka tieo litekanyetso tsa ts'ireletso ea data ea lichelete tsa lefats'e, netefatsa ts'ireletso le lekunutu la data ea litšebelisano le tlhaiso-leseling ea basebelisi, 'me u qobe ho lutla ha data le likotsi tsa ho senya data.

V. Melemo ea Tlholisano ea Hongzhou Smart

(I) Lefapha la Moralo: Boqapi bo Ikamahantseng le Bareki, bo Ikamahanyang le Maemo

• Amohela moralo o entsoeng ka botho, ka sebopeho se bonolo sa menu le litlhahiso tse hlakileng tsa ts'ebetso, tse loketseng basebelisi ba lilemo tsohle le limelo tsohle tsa thuto, haholo-holo bakeng sa basebelisi ba mebarakeng e ntseng e hola ba sa tloaelaneng le lisebelisoa tse rarahaneng tsa elektroniki;
• Moralo ho latela litšobotsi tsa tikoloho tsa libaka tse fapaneng, ka ts'ebetso e sa keneleng lerole, e sa keneleng metsi, e thibelang mocheso o phahameng le e thibelang mocheso o tlase, e ikamahanya le maemo a thata a mosebetsi a kang libaka tsa tropike, libaka tsa mahaeng tse hole le libaka tse ntle tsa kantle;
• Tšehetsa moralo o ikhethileng, ho latela setšoantšo sa lets'oao la moreki, litlhoko tsa ts'ebetso le mekhoa ea ts'ebeliso ea libaka, fetola ponahalo, sebopeho, li-module tsa ts'ebetso le litlhophiso tsa puo tsa sesebelisoa, ho thusa bareki ho ikamahanya le 'maraka oa lehae kapele;
• Tsoela pele ho ntlafatsa mekhoa e mecha ho latela tlhoko ea 'maraka, kopanya mahlale a morao-rao a kang NFC le boitsebiso ba biometric, 'me u ntlafatse mesebetsi ea sehlahisoa khafetsa ho boloka tlholisano ea' maraka, u tsamaisane le mokhoa oa nts'etsopele oa tefo ea lefats'e ea mehala ea thekeng.

(II) Lekala la Tlhahiso: Taolo e Tiileng ea Boleng, Tlhahiso e Sebetsang Hantle

• Amohela lisebelisoa tse tsoetseng pele tsa tlhahiso le theknoloji ea kopano, hlokomela tlhahiso e tloaelehileng le e iketsang, fokotsa liphoso tsa letsoho, 'me u netefatse botsitso le botsitso ba boleng ba sehlahisoa;
• Theha sistimi ea tlhahlobo ea boleng e felletseng, etsa tlhahlobo e tiileng holim'a thepa e tala, lihlahisoa tse sa phethoang hantle le lihlahisoa tse felileng, 'me lihlahisoa tsohle li feta litifikeiti tsa boleng ba machaba tse kang CE, FCC le RoHS, li fihlela maemo a kantle ho naha a linaha le libaka tse fapaneng;
• E na le bokgoni bo matla ba tlhahiso, ka tlhahiso ya selemo le selemo ya diteishene tse fetang 100,000 tsa ho itlhokomela, tse ka fihlelang tlhoko e kgolo ya bareki le ho netefatsa hore e fihla ka nako, e rarolla bothata ba potoloho e telele ya ho isa thepa bakeng sa bareki ba mose ho maoatle;
• Ntlafatsa taolo ea ketane ea phepelo, sebelisana 'moho le bafepedi ba tsebahalang ba lefats'e ho netefatsa botsitso ba phepelo ea thepa e tala le ho fokotsa kotsi ea tieho ea tlhahiso; ka nako e ts'oanang, laola litšenyehelo tsa tlhahiso, fa bareki lihlahisoa tse sebetsang ka theko e phahameng.

(III) Lekala la Ntlafatso ea Sistimi ea Software: R&D e Ikemetseng, e Tsitsitseng le e Sebetsang Hantle

• Patlisiso e ikemetseng le nts'etsopele ea sistimi ea mantlha ea software ea Mobile Money ATM, e nang le litokelo tse ikemetseng tsa thepa ea kelello, e ka qobang kotsi ea likhohlano tsa litokelo tsa moqapi oa software le ho netefatsa taolo e ikemetseng ea sistimi;
• Sistimi ea software e amohela moralo oa modular, o bonolo ho o ntlafatsa le ho o hlokomela, 'me o ka eketsa mesebetsi e mecha kapele ho latela litlhoko tsa bareki le liphetoho tsa' maraka, ntle le phetoho e kholo ea sistimi eohle;
• Tsepamisa maikutlo botsitsong le tshireletsong ya sistimi, ntlafatsa mohopolo wa tshebetso ya sistimi, fokotsa ho putlama ha sistimi le sekgahla sa ho hloleha; ka nako e ts'oanang, ntlafatsa sistimi ya tshireletso ka ho tswela pele, hanela ditlhaselo tsa marangrang le ho dutla ha data, mme o netefatse tshebetso e bolokehileng ya ditransekshene;
• Tšehetsa ho ikamahanya le maemo ha libaka tsa lipuo tse ngata, tsa lichelete tse ngata le tsa nako e ngata, 'me sebopeho sa software le mokhoa oa transaction li ka fetoloa ho latela litšobotsi tsa linaha le libaka tse fapaneng, ho fihlela tlhoko ea' maraka oa lefats'e;
• Amohela mokhoa oa nts'etsopele o arotsoeng ka likarolo, ntlafatsa mokhoa oa tšebelisano-'moho oa sistimi, 'me u ntlafatse lebelo la karabelo ea litšebelisano, u netefatse hore konteraka ka' ngoe e ka phethoa kapele le ka botsitso, u ntlafatse boiphihlelo ba mosebelisi.

(IV) Tšimo ea Kopanyo ea Sistimi: Tšebeletso ea Sebaka se le Seng, Khokahano e se Nang Seam

• Ho fana ka lits'ebeletso tsa profeshenale tsa ho kopanya litsamaiso, ho kenyeletsoa ho bapisa lisebelisoa tsa khomphutha le software, ho kenya litsamaiso tsa motho oa boraro, ho hokahanya data, ho lokisa liphoso tsa litsamaiso le lihokelo tse ling, ho netefatsa hore Mobile Money ATM e ka hokahana ka mokhoa o se nang mathata le sistimi e teng ea moreki, le ho hlokomela ts'ebetso e tloaelehileng ea ketane eohle ea khoebo;
• E-ba le sehlopha sa litsebi sa litšebeletso tsa botekgeniki, fana ka litšebeletso tsa ho kenya, ho lokisa liphoso le koetliso sebakeng seo bakeng sa bareki, thusa bareki ho tseba bokhoni ba ho sebelisa le ho hlokomela lisebelisoa le litsamaiso, le ho fokotsa bothata ba ts'ebetso ea morao;
• Fana ka tšehetso ea tekheniki ea nako e telele kamora thekiso, tšebeletso ea inthanete ea lihora tse 24, ho rarolla mathata a kopanang le bareki ts'ebetsong ea sistimi le ts'ebeliso ea lisebelisoa ka nako e nepahetseng, le ho netefatsa ts'ebetso e tsitsitseng ea lisebelisoa;
• Kopanya mehlodi yohle ya ketane ya diindasteri, ho tloha moralong wa dihlahiswa, tlhahiso, ntshetsopele ya software ho isa ho kopanyong ya sistimi le tshebeletso ya kamora thekiso, fa bareki ditharollo tsa turnkey, fokotsa ditjeo tsa theko le tshebetso tsa moreki, le ho ntlafatsa bokgoni ba ho fihla ha projeke.