Yintoni iMishini yokuTshintshiselana imali kwaye isebenza njani?
Ukuhamba kwabantu kunye nemali kwihlabathi liphela kwenze ukutshintshiselana kwemali kwaba lula kwaye kwaba nexabiso elingaphezulu kunangaphambili. Amashishini, abafundi bamanye amazwe, abahambi kunye nabanye abantu abaninzi abangena nabaphumayo kwilizwe lonke bafuna ukufikelela kwimali yangaphandle ngokulula ngaphandle kwesidingo sokulinda okanye ukudlula kwiinkqubo ezinzima.
Iikhawuntara zokutshintshiselana zesiqhelo kwiimeko ezininzi azikwazi ukujongana nale mfuno ngokusekelwe kwiiyure zazo, iindleko zokuba nabasebenzi kunye nexesha lokulinda. Izisombululo ezizenzekelayo zibaluleka apha. Umatshini wokutshintshiselana ngemali licandelo elizisebenzelayo ukuze kube lula ukuguqula imali yangaphandle nokugcina ukuchaneka, ukhuseleko kunye nokungafihlisi nto. Ngoku zixhaphakile kwizikhululo zeenqwelo-moya, iihotele, iibhanki kunye neendawo zikawonke-wonke ezixakekileyo.
Eli nqaku lichaza ukuba yintoni i-kiosk yokutshintshiselana kwemali kunye nendlela esebenza ngayo. Lixoxa ngezinto ezibalulekileyo ezisemva kwezi nkqubo, izibonelelo zazo kunye noko kufuneka ukuqwalasele xa ukhetha umenzi othembekileyo. Qhubeka ufunda ukuze ufunde okungakumbi.
Inkcazo yoMshini wokuTshintshiselana kwemali
Umatshini wokutshintshiselana ngemali yi-kiosk ezenzekelayo evumela abasebenzisi ukuba baguqule enye imali baye kwenye ngaphandle koncedo lomntu. Isebenza kusetyenziswa idatha yesantya sokutshintshiselana ngexesha langempela kunye neenkqubo zokuqinisekisa ezihlanganisiweyo ukuqinisekisa ukuthengiselana okuchanekileyo nokukhuselekileyo.
Ekwaziwa ngokuba ngumatshini wokutshintshiselana ngemali yangaphandle , le nkqubo ivumela abasebenzisi ukuba batshintshe imali okanye iintlawulo ezisekelwe kwikhadi zibe yimali efunekayo ngokukhawuleza. Ngokungafaniyo needesika zokutshintshiselana zemveli, ezi matshini zisebenza imini nobusuku kwaye azidingi ukubekwa esweni okuncinci, nto leyo ebenza bafaneleke kwiindawo ezifunwa kakhulu.
Iindawo eziqhelekileyo zokusasazwa ziquka:
- Izikhululo zeenqwelo-moya zamazwe ngamazwe kunye neendawo zokuthutha abantu
- Iihotele kunye neendawo zokungcebeleka ezineendwendwe zangaphandle
- Iibhanki kunye namaziko emali
- Iindawo zokutyelela kunye neendawo zokuthenga
Ngokuzenzekela inkqubo yokutshintshiselana, amashishini anokuphucula ukufikeleleka ngelixa enciphisa ubunzima bokusebenza.
Indlela Oomatshini Bokutshintshiselana Ngemali Abasebenza Ngayo
Nangona amava omsebenzisi esisiseko, iteknoloji ye- ATM yokutshintshiselana ngemali iphucukile. Yonke intengiselwano yenziwa ngendlela echazwe kwangaphambili ukuqinisekisa ukuchaneka okuphezulu, isantya kunye nokuthobela imithetho.
Le nkqubo ngokubanzi ibandakanya la manqanaba alandelayo:
1. Ukukhetha imali: Abasebenzisi bakhetha umthombo kunye nemali ekujoliswe kuyo ngokusebenzisa i-interface yesikrini sokuchukumisa.
2. Ukubalwa kwereyithi kunye nokuboniswa: Amaxabiso okutshintshiselana aphilayo afunyanwa kwi-backend yenkqubo kwaye aboniswe ngokucacileyo ngaphambi kokuqinisekiswa.
3. Intlawulo engenayo: Abasebenzisi bafaka imali okanye bagqibezele intengiselwano yekhadi, kuxhomekeke kulwakhiwo lomatshini.
4. Ukuqinisekiswa nokuqinisekiswa: Iimali ezisetyenziswa ebhankini ziyajongwa ukuba ziyinyani na, kwaye iintlawulo zekhadi zigunyazisiwe ngokukhuselekileyo.
5. Ukusasazwa kwemali: Isixa esiguquliweyo sisasazwa ngokuchanekileyo kusetyenziswa iimodyuli ezichanekileyo.
6. Irisithi kunye nokugcinwa kweerekhodi: Irisithi iprintwa okanye iveliswe ngedijithali ukuze icace kwaye ilandelelwe.
Kwiimarike ezilawulwayo, ukuqinisekiswa kobuwena okufana nokuskena ipasipoti kunokufuneka ukuze kuhlangatyezwane nemigangatho yokuthobela imithetho yezemali.
Izinto eziphambili zeKiosks zokuTshintshiselana kwemali
I -kiosk yokutshintshiselana kwemali ezinzileyo yileyo ixhomekeke kwi-hardware kunye nesoftware edibeneyo kakuhle. Yonke into inegalelo kukhuseleko lwentengiselwano, ukusebenza kakuhle kunye nokuthembana phakathi kwabasebenzisi.
Izinto eziphambili ziquka:
- Isikrini sokuchukumisa esibonakalayo sokusebenzisana komsebenzisi
- Ummkeli webhili kunye nomqinisekisi ukuze abone amanqaku obuxoki
- Umsasazi wemali ukuze ufumane imveliso echanekileyo yemali
- Iprinta yerisithi yamaxwebhu entengiselwano
- Iikhamera zokhuseleko kunye nezinzwa zokubeka esweni kunye nokuthintela ubuqhetseba
- Isoftware yolawulo lwe-backend yokuhlaziya amaxabiso, ingxelo, kunye nokuxilongwa
Xa zizonke, ezi zinto ziqinisekisa ukuba i -ATM yemali yangaphandle isebenza ngokuqhubekayo, nokuba kwiindawo ezinomthamo omkhulu.
Iinzuzo zeZikhululo zeenqwelo-moya, iihotele, iibhanki
Izisombululo zokutshintshiselana kwemali ezizenzekelayo zibonelela ngeenzuzo ezinokulinganiswa kumashishini amaninzi. Ixabiso lazo licacile ngakumbi kwiindawo ezinceda abasebenzisi bamanye amazwe.
1. Iinqwelomoya:
Ii-airports ziqhutywa ngokwexesha elingqongqo. Umhambi uhlala efuna imali yasekuhlaleni ngoko nangoko, nokuba uza kuhambahamba, uza kutya okanye uza kuthenga into ethile. I-kiosk yokutshintshiselana ngemali iya kunciphisa uxinzelelo kwiikhawuntara zokutshintshiselana zesiqhelo kwaye iqhubeke nokuhamba kwabahambi, ingakumbi ngamaxesha okufika aphezulu. Ekubeni inkonzo isebenza iiyure ezingama-24 ngosuku, abakhweli abanyanzelekanga ukuba balinde de ikhawuntara ivule emva kokuba inqwelo moya ihambile okanye ihambe kwangethuba.
Ikwanceda ekunciphiseni imigca ngokuqinisa utshintsho lwentengiselwano kwaye inika amava afanayo apho abasebenzi bephantsi. Ngokukodwa, kwabo baqalayo ukundwendwela, ukubakho kwendlela efikelelekayo neyokuzinceda ngokwakho ngaphakathi kwesitishi kunokunceda ukufika lula nokunciphisa amanqanaba oxinzelelo.
2. Iihotele kunye neeNdawo zokuHlala:
Iihotele kunye neendawo zokungcebeleka nazo ziyazuza ekususeni ukungavisisani kwiindwendwe. Xa iindwendwe zinokutshintshiselana ngemali kwindawo, ziqala ukuhlala kwazo zingenangxaki incinci yokuyisombulula ingakumbi kwiindawo apho iibhanki ezikufutshane okanye ii-ofisi zokutshintshiselana zingasebenzi kakuhle okanye zinqongophele.
Le kioski isusa umthwalo womsebenzi kubasebenzi abakwidesika yangaphambili abachitha ixesha bephendula imibuzo enxulumene nemali, kwaye iphucula ukuzithemba kweendwendwe kuba zinokubona amaxabiso kunye nemali eboniswe kwidesika yangaphambili ngaphambi kokuqinisekisa ukutshintshiselana. Yinkonzo ephucukileyo enceda amava akumgangatho ophezulu, alungele iindwendwe ngaphandle kwesidingo sokuqesha abasebenzi abaninzi okanye ukongeza ubunzima bokusebenza.
3. Iibhanki kunye neeZiko zezeMali:
Iibhanki zisebenzisa ii-kiosk zokutshintshiselana ezizenzekelayo ukwandisa ukugubungela inkonzo ngaphandle kokwandisa inani labasebenzi. Ezi matshini zinokuxhasa iimfuno zesiqhelo zokutshintshiselana ngelixa abasebenzi begxila kwiinkonzo ezixabisa kakhulu. Iibhanki zisebenzisa oomatshini botshintshiselwano abazenzekelayo ukuze:
- Yandisa iiyure zenkonzo ngaphaya kwexesha lokusebenza kwesebe
- Nciphisa iindleko zokusebenza ezinxulumene nokuqeshwa kwabasebenzi kunye nokuphathwa ngesandla
- Phucula ukuhambelana nokuchaneka ngokuqinisekisa ngokuzenzekelayo kunye nokusasaza
- Yenza amava esebe abe ngcono ngokunceda wena ngokwakho
- Phatha izithuthi ezininzi ngeenyawo ngexesha lokuhamba ngaphandle kweengxaki ezininzi
Iintlobo zeeMatshini zokuTshintshiselana kwemali
Iindawo ezahlukeneyo zoshishino zifuna izisombululo ezahlukeneyo zokutshintshiselana ngemali. Ubungakanani bentengiselwano, iprofayili yabathengi, iimfuno zomthetho kunye nokufumaneka kwendawo zezona zinto zibalulekileyo kuhlobo olufanelekileyo lomatshini. Enyanisweni, iinkqubo zokutshintshiselana zanamhlanje ziza ngeendlela ezahlukeneyo kwaye nganye ifanelekile kwisicelo esithile.
1. Oomatshini bokuTshintshiselana ngeeMali ezininzi:
Ezi matshini zenzelwe ukugcina iimali ezahlukeneyo zangaphandle kwisikhululo esinye seenkonzo. Oku kunokuba luncedo kakhulu kwiindawo zangaphandle apho abantu beza khona kwaye bafuna ukufikelela ngokukhawuleza kwimali yasekuhlaleni. Uninzi lweemodeli luza nenkqubo yokutshintshiselana inyathelo ngenyathelo ene-interface yesikrini sokuchukumisa. Ngenkxaso yemali eninzi kumatshini omnye, abaqhubi banokunciphisa ukuxhomekeka kwiikhawuntara zokutshintshiselana ezininzi ngelixa begcina inkonzo ikhawuleza kwaye ilungele abasebenzisi.
2. Oomatshini bokuTshintshiselana ngemali kwiSikhululo seenqwelo-moya nakwiihotele:
I-kiosk yokutshintshiselana kwemali ebekwe kwizikhululo zeenqwelo-moya nakwiihotele imiselwe ukusetyenziswa rhoqo narhoqo xa kukho izithuthi ezininzi. Ezi zixhobo zikhawuleza, zicacile, kwaye zithembekile ukuqinisekisa ukuba abahambi benza iintengiselwano ngexesha elifutshane nangexesha leeholide. Ezi matshini zihlala zinemiyalelo ecacileyo esikrinini kunye neendlela zokunxibelelana ngeelwimi ezininzi ukuze zilungele iimfuno zabasebenzisi bamazwe ngamazwe. Uyilo lwazo ngokubanzi lulungiselelwe ukuba kube lula ukuzisebenzela kwiindawo zikawonke-wonke, apho abantu abaninzi bahamba khona.
3. Oomatshini bokuTshintshiselana ngemali ngendlela ye-ATM:
Ezi matshini zilandela ifomathi yekioski/ATM eqhelekileyo, enceda abasebenzisi bazive bekhululekile ngexesha lentengiselwano. Olu yilo lusetyenziswa rhoqo kwiindawo zorhwebo ezicwangcisiweyo apho ukuhamba kwentengiselwano okukhokelwayo kunye namanyathelo acacileyo esikrinini kuphucula ukusetyenziswa. Ngenxa yokuba indlela yokusebenza ifana ne-ATM, olu lungiselelo kulula ukulubeka kwiindawo ezifana nebhanki, kwiindawo zokutshintshiselana, nakwezinye iindawo ezilawulwayo apho amava omsebenzisi kunye nokucaca kwentengiselwano kubalulekile.
4. Iimatshini zokuTshintshiselana ngeMali ezinePasipoti okanye i-ID eqinisekisiweyo:
Kweminye imimandla, umsebenzi wokutshintshiselana ngemali kufuneka ulandele iindlela ezingqongqo zokuqinisekisa kunye nokugcina iirekhodi. Kwezi meko, oomatshini banokucwangciswa ngeendlela zokuqinisekisa ubuwena ezifana nokuskena ipasipoti okanye ukubamba i-ID. Olu seto luhlala lusetyenziswa ziibhanki kunye nabaqhubi be-exchange abaneelayisenisi abafuna ukubonelela ngenkonzo ezenzekelayo ngelixa bexhasa iimfuno zokuthobela imithetho kwaye begcina amaxwebhu entengiselwano afanelekileyo.
5. Oomatshini bokutshintshiselana ngamanothi kwiingqekembe:
Ezinye iimatshini zokuzinceda zenzelwe ukuguqulwa kwexabiso elithile endaweni yokutshintshiselana ngemali yangaphandle. Iimatshini zokutshintshiselana ngemali zivumela abasebenzisi ukuba bafake imali yamaphepha baze bafumane iingqekembe okanye ezinye iifomathi zemali ezicwangcisiweyo njengembuyekezo. Olu lungiselelo lusetyenziswa rhoqo kwiindawo zorhwebo apho abathengi okanye abasebenzi bafuna ukuguqulwa kotshintsho olukhawulezileyo ngaphandle kwekhawuntara yesandla, nto leyo eyenza ukuphathwa kwemali kube lula ngakumbi kwiindawo ezithile zenkonzo.
I-Hongzhou Smart: Umenzi oPhambili woMatshini wokuTshintshiselana imali
Ukukhetha umenzi womatshini wokutshintshiselana ngemali othembekileyo kubaluleke kakhulu kwimpumelelo yexesha elide. I-Hongzhou Smart ngumnikezeli wezisombululo ze-kiosk ezikrelekrele ezizisebenzelayo kwihlabathi liphela onamava angaphezu kweminyaka eli-15 kwiimarike zamazwe ngamazwe ezingaphezu kwama-90.
Siziingcali ekuyileni nasekuveliseni oomatshini bokutshintshiselana ngemali abaphucukileyo izisombululo ezenzelwe izikhululo zeenqwelo-moya, iibhanki, iihotele, kunye nababoneleli ngeenkonzo zemali. Iinkqubo zethu zenzelwe ukuqina, ukuchaneka, kunye nokulungela ukulawula.
Nazi iingenelo zokusebenza neHongzhou Smart:
- Uyilo lwezixhobo ezenziwe ngokwezifiso kunye nophawu
- Inkxaso yemali ezininzi kunye neelwimi ezininzi
- Uyilo lwenkqubo olukhuselekileyo nolulungele ukuthobela imithetho
- Ukuhlanganiswa neebhanki kunye namaqonga ezemali
- Izixhobo ezithembekileyo ezivavanyiweyo ukuba zisetyenziswa ngobuninzi
Ukuze ufumane umbono obanzi wetekhnoloji ye-smart kiosk yenkampani kunye nezakhono zokwenza izinto kwihlabathi liphela, ndwendwela iHongzhou Smart .
Isiphelo:
Ngophuhliso olongezelelekileyo lohambo lwamazwe ngamazwe kunye norhwebo lwehlabathi, izisombululo zokutshintshiselana ngokuzenzekelayo ziye zaba yinto ebalulekileyo kwiziseko zezimali zanamhlanje. Umatshini wokutshintshiselana ngemali wangaphandle osebenzayo uya kwenza inkqubo ifikeleleke ngakumbi, ingabizi kwaye yanelise abathengi abaninzi.
Ukwazi indlela ezisebenza ngayo ezi matshini, ukuba zisekelwe kwintoni kunye neenzuzo ezinokubakho kuya kwenza amashishini akwazi ukwenza izigqibo zotyalo-mali ezikrelekrele. Phucula inkonzo yakho yokutshintshiselana ngemali ngezisombululo zokuzisebenzela zeHongzhou Smart ezakhelwe isantya nokuthembeka. Qhagamshelana nathi ukuze ufumane iinkcukacha ezithe vetshe.
