I-ATM yemali yeselula

I. Imizekelo yesicelo se-ATM yeMobile Money

• IiMarike Ezisakhasayo Neendawo Ezikude : Zifaneleke ngakumbi kwimimandla eneziseko zebhanki ezingaphuhliswanga kakuhle ezifana ne-Afrika, uMzantsi-mpuma we-Asia kunye neLatin America. Kumazwe afana neKenya, iNigeria kunye noMzantsi Afrika, apho ukuhlawula ngefowuni kuthandwa kakhulu, i-ATM yethu yeMobile Money ihambelana ngokugqibeleleyo neendlela zokusebenzisa zabasebenzisi basekuhlaleni abakhetha ii-wallets zeselula kunamakhadi ebhanki aphathekayo, egubungela zombini iindawo zasezidolophini nezasemaphandleni ukuze kufezekiswe ukuncipha kweenkonzo zemali.
• IiBhanki kunye neeMali : Ukusebenzisana neebhanki zehlabathi kunye neemali ukuze kwandiswe iindlela zeenkonzo, kuncitshiswe iindleko zeevenkile ezingaxhunyiwe kwi-intanethi, kwaye kubonelelwe ngeenkonzo zobuqu ezisebenza iiyure ezingama-24 kubasebenzisi, kubandakanya idiphozithi kunye nokutsalwa kwemali, ukudluliselwa kwemali kunye nentlawulo yebhili, ukunceda amaziko ukuba afezekise iinjongo zemali ezibandakanya wonke umntu.
• Abaqhubi beenkonzo zoNxibelelwano : Ngokudibanisa neenkqubo zewallet zeselula zabaqhubi (ezifana ne-M-Pesa eKenya), inika abasebenzisi unxibelelwano olungenamthungo phakathi kweeakhawunti zefowuni kunye nemali, ixhasa ukutshaja kwakhona kwefowuni, ukudluliselwa kwemali kunye nezinye iinkonzo, kwaye inceda abaqhubi ukuba bandise i-ecology yabo yenkonzo yemali.
• Imeko zoThengiso nezeNtlalontle : Isetyenziswa kwiivenkile ezinkulu, kwiivenkile ezithengisa izinto eziluncedo, kwizikhululo zepetroli, kwiindawo ezintle nakwiindawo zokuhlala, ibonelela ngokurhoxiswa kwemali kwindawo, ukuhlawulwa kweebhili kunye neenkonzo ezongeziweyo kubathengi nakubemi, iphucula ukulula kobomi bemihla ngemihla kunye nokunamathela kokuhamba kwabakhweli kubathengisi abasebenzisanayo.
• Imeko zokuthumela imali kwamanye amazwe : Ixhasa imisebenzi yokuthumela imali encinci kwamanye amazwe kunye nokutshintshiselana kwemali yangaphandle, isombulula iingxaki zeendleko eziphezulu kunye nomjikelo omde wokuthumela imali ngokwesiko kwamanye amazwe, kwaye isetyenziswa kakhulu kwiimeko zorhwebo nakwamanye amazwe kunye nokuthunyelwa kwemali kwabasebenzi kwiindawo ezikwimida.

II. Imisebenzi ephambili yeMveliso ye-ATM yeMali yeSelfowuni

• Imisebenzi esisiseko yeNtengiselwano yezeMali : Ixhasa ukubuza ngebhalansi yesikhwama semali esiphathwayo, idiphozithi kunye nokutsalwa kwemali, ukudluliselwa kweakhawunti (phakathi kweebhanki/ngaphakathi kweebhanki), intlawulo yebhili (amanzi, umbane, unxibelelwano, ukhuseleko loluntu, njl.njl.), ihlangabezana ngokupheleleyo neemfuno zolawulo lwemali zemihla ngemihla zabasebenzisi. Ingaphathwa ngokuzimeleyo iiyure ezingama-24 ngosuku ngaphandle kokuya kwiindawo ezingaphandle kweintanethi, nto leyo ephucula kakhulu ukusebenza kakuhle kwenkonzo.
• Imisebenzi yoLungiso lweNtlawulo yeSelfowuni : Iyahambelana neendlela zokuhlawula zeselfowuni eziqhelekileyo, ixhasa iintengiselwano zokuskena ikhowudi ye-QR, imisebenzi yomyalelo wekhowudi ye-USSD kunye neentengiselwano ze-NFC (Near Field Communication). Ifanelekile kwiifowuni ezahlukeneyo kunye nee-smartphones, kwaye ingagqibezela iintengiselwano ezixhomekeke kwiinethiwekhi ze-GSM ngaphandle kwe-intanethi ekhawulezayo, igubungela iqela elikhulu labasebenzisi, ngakumbi ezifanelekileyo kwiindawo ezineziseko zenethiwekhi ezibuthathaka.
• Imisebenzi yeSiqinisekiso soKhuseleko oluPhezulu : Isebenzisa iindlela ezininzi zokhuseleko ezifana nokuqinisekiswa kwegama eliyimfihlo le-PIN, ukubethela idatha kunye nokuqinisekiswa kobuwena obubini. Ixhomekeke kwinkqubo yokhuseleko lokhuseleko lwenethiwekhi ye-GSM, ithintela ngempumelelo iingozi ezifana nobusela kunye nobuqhetseba, kwaye iqinisekisa ukhuseleko lwemali nolwazi lwabasebenzisi. Kwangaxeshanye, inophando lwerekhodi yentengiselwano ngexesha langempela kunye nemisebenzi engaqhelekanga yesilumkiso sentengiselwano kwangethuba, enokulandeleka kuyo yonke inkqubo.
• Imisebenzi Yokwandisa Eyenzelwe Wena : Ngokweemfuno zabathengi, inokwandisa ngokuguquguqukayo iinkonzo ezongeziweyo zexabiso ezifana nokutshintshiselana kwemali yangaphandle, ukuphinda kutshajwe amakhadi efowuni, ukuthengwa kwelotho, kunye nokuqokelelwa kunye nokuhanjiswa kweposi; ixhasa ukutshintsha kwe-interface yeelwimi ezininzi, ihlengahlengisa imikhwa yokusebenzisa amazwe ahlukeneyo kunye nemimandla, kwaye ihlangabezana neemfuno zeemeko ezahlukeneyo zehlabathi.
• Imisebenzi yoLawulo lokuSebenza nokuLondolozwa kweZixhobo : Ixhotyiswe ngokujonga kude, isilumkiso sakwangoko kunye nemisebenzi yokuxilonga ngokuzenzekelayo. Abalawuli banokujonga imeko yokusebenza kwezixhobo ngexesha langempela, uluhlu lwemali kunye nedatha yentengiselwano, baphathe iimpazamo ezincinci kude, kwaye banciphise iindleko zokusebenza kunye nokugcinwa kwindawo; baxhasa ulawulo lweebhetshi zezixhobo ezininzi ukuphucula ukusebenza kunye nokusebenza kakuhle kokugcinwa.

III. Isikhokelo Esilula Sokusebenza kwi-ATM yeMali yeSelfowuni

1. Umsebenzi wokuKhupha imali (Umsebenzi oQhelekileyo oSebenzayo)

1. Kwi-interface yokulinda yesixhobo, khetha umsebenzi othi "Ukurhoxiswa kweMali yeSelfowuni" kwaye uqinisekise ukuba ungena kwiphepha lokusebenza;
2. Faka inombolo yefowuni ephathwayo ebotshelelwe kwi-wallet yeselula, cofa u-confirmation, uze ufake ikhowudi ye-PIN yentengiselwano (ukuqinisekiswa kobuwena);
3. Ngokwemiyalelo esesikrinini, faka isixa sokurhoxisa imali uze ungenise umyalelo emva kokuqinisekisa ukuba uchanekile;
4. Esi sixhobo sisebenzisana neseva yomqhubi weselula ngenethiwekhi ye-GSM, kwaye sikhupha imali ngokuzenzekelayo emva kokuqinisekisa ukuba ulwazi luchanekile;
5. Emva kokuba umsebenzisi ethathe imali, unokukhetha ukuprinta irisithi yentengiselwano. Umsebenzi ugqityiwe, kwaye inkqubo iphuma ngokuzenzekelayo.

2. Uphando lwebhalansi kunye nokusebenza kokudluliselwa kwemali

1. Khetha umsebenzi othi "Balance Inquiry" okanye "Transfer", faka inombolo yefowuni ephathwayo kunye nekhowudi yePIN ukuze ugqibezele ukuqinisekiswa kobuwena;
2. Uphando lweBhalansi: Emva kokuqinisekiswa, ibhalansi yangoku yesipaji esiphathwayo iboniswa kwisikrini ngexesha langempela, kwaye iirekhodi zentengiselwano zamva nje zinokubuzwa;
3. Umsebenzi wokudlulisa imali: Faka inombolo yefowuni yomntu ohlawulwayo kunye nemali yokudlulisa imali, uyithumele emva kokuqinisekisa ulwazi, inkqubo iya kuyibuyisela isiphumo sentengiselwano ngexesha langempela, kwaye ukudluliselwa kwemali kufika ngoko nangoko.

3. Umsebenzi oNcedisayo woMyalelo we-USSD

IV. Amandla okuDokha kwiNkqubo yoMntu wesithathu

• Ukufikelela kwiinkcukacha ngeeNkqubo zoMsebenzi weSelfowuni : Qhagamshelana ngokukhululekileyo neenkqubo zewallet zeselfowuni zabaqhubi behlabathi (ezifana neM-Pesa eKenya, iPalmPay eNigeria), fezekisa ukusebenzisana kwedatha ngexesha langempela phakathi kweeakhawunti zefowuni kunye nezixhobo ze-ATM, kwaye uxhase imisebenzi efana nokutsalwa kwemali, ukuqinisekiswa kwentengiselwano kunye nokuvumelanisa iirekhodi, ukuqinisekisa ukuhambelana kwedatha yentengiselwano yomsebenzisi kuzo zonke iiplatifomu.
• Ukusebenzisa iiBhanki kunye neenkqubo zezeMali : Iyahambelana neenkqubo eziphambili zebhanki (ii-CBS) zeebhanki ezinkulu kwihlabathi liphela, ixhasa ukudluliselwa kwemali phakathi kweebhanki kunye nangaphakathi kweebhanki, ukuvumelanisa idiphozithi kunye nokutsalwa kwemali, kwaye ifezekisa unxibelelwano phakathi kweenkonzo zewallet yeselula kunye neenkonzo zebhanki zendabuko, inceda amaziko emali ukuba andise iindlela zenkonzo.
• Ukufikelela kwii-Docking ngeePlatforms zeNtlawulo zoMntu wesithathu : Xhasa ukufikelela kwii-docking ngeeplatforms zentlawulo zehlabathi jikelele, ezihambelana nemigangatho yentlawulo yekhowudi ye-QR yeeplatforms ezahlukeneyo, kwaye zifezekise unxibelelwano olungenamthungo phakathi kwezixhobo ze-ATM kunye neenkqubo zentlawulo zomntu wesithathu, ukuhlangabezana neemfuno ezahlukeneyo zentlawulo zabasebenzisi.
• Izisombululo zeDocking ezenzelwe wena : Ukubonelela ngamaqela obuchwephesha obuchwephesha ukuze enze ngokwezifiso iindlela zokunxibelelana kwedocking kunye neenkqubo zokunxibelelana kwedatha ngokweenkcukacha zenkqubo ethile yomthengi, axhase uphuhliso lwesibini kunye nokuphuculwa kwenkqubo, kwaye aqinisekise ukuba isixhobo sinokuzivumelanisa ngokugqibeleleyo nenkqubo yeshishini yomthengi ekhoyo, kunciphisa iindleko zokuguqulwa kunye nokusasazwa kwenkqubo.
• Ukudokha uKhuseleko lweDatha : Sebenzisa iprotocol yokudlulisa idatha efihliweyo kwinkqubo yokudokha, ulandele ngokungqongqo imigangatho yokhuseleko lwedatha yezemali yehlabathi, uqinisekise ukhuseleko kunye nobumfihlo bedatha yentengiselwano kunye nolwazi lomsebenzisi, kwaye uphephe ukuvuza kwedatha kunye neengozi zokuphazamisa.

V. Iingenelo zoKhuphiswano oluPhambili lweHongzhou Smart

(I) Intsimi yoYilo: Ubuchule obuQondwa ngabathengi, obuZiqhelanisayo

• Yamkela uyilo olufana nolwesintu, olune-interface elula yemenyu kunye nemiyalelo yokusebenza ecacileyo, efanelekileyo kubasebenzisi bayo yonke iminyaka kunye nemvelaphi yemfundo, ingakumbi kubasebenzisi abakwiimarike ezisakhasayo abangaqhelananga nezixhobo ze-elektroniki ezintsonkothileyo;
• Uyilo ngokweempawu zokusingqongileyo zemimandla eyahlukeneyo, olusebenza ngokumelana nothuli, ukungangeni manzi, ukumelana nobushushu obuphezulu kunye nokumelana nobushushu obuphantsi, oluzivumelanisa neemeko zokusebenza ezinzima ezifana neendawo ezishushu, iindawo zasemaphandleni ezikude kunye neendawo ezintle zangaphandle;
• Xhasa uyilo olulungiselelwe wena, ngokwemifanekiso yophawu lomthengi, iimfuno zomsebenzi kunye nemikhwa yokusetyenziswa kwengingqi, yenza ngokwezifiso inkangeleko, ujongano, iimodyuli zomsebenzi kunye noseto lolwimi lwesixhobo, uncede abathengi ukuba baqhelane ngokukhawuleza nemarike yasekuhlaleni;
• Qhubeka usungula izinto ezintsha ngokusekelwe kwimfuno yemarike, udibanise ubuchwepheshe bamva nje obufana ne-NFC kunye nokuchongwa kwebhayomethrikhi, kwaye uphucule rhoqo imisebenzi yemveliso ukuze ugcine ukhuphiswano lwemarike, uhambelana nomkhwa wophuhliso lwentlawulo yeselfowuni yehlabathi.

(II) ICandelo loMveliso: Ulawulo oluQondileyo loMgangatho, Imveliso eSebenzayo

• Sebenzisa izixhobo zemveliso eziphambili kunye netekhnoloji yokuhlanganisa, uqonde imveliso esemgangathweni nezenzekelayo, unciphise iimpazamo ezenziwe ngesandla, kwaye uqinisekise ukuhambelana kunye nozinzo lomgangatho wemveliso;
• Misela inkqubo yokuhlola umgangatho epheleleyo, wenze uhlolo olungqongqo kwizinto ezikrwada, iimveliso ezigqityiweyo kancinci kunye neemveliso ezigqityiweyo, kwaye zonke iimveliso ziphumelele iziqinisekiso zomgangatho wamazwe ngamazwe ezifana ne-CE, i-FCC kunye ne-RoHS, zihlangabezana nemigangatho yokungenisa amazwe ahlukeneyo kunye nemimandla;
• Banamandla okuvelisa aqinileyo, kunye nemveliso yonyaka engaphezulu kwe-100,000 yee-terminals zokuzinceda, ezinokuhlangabezana neemfuno ezinkulu zabathengi kwaye ziqinisekise ukuhanjiswa ngexesha, zisombulula ingxaki yomjikelo omde wokuhanjiswa kwabathengi baphesheya;
• Lungiselela ulawulo lwekhonkco lokubonelela ngeenkonzo, sebenzisana nabathengisi abaziwayo behlabathi ukuqinisekisa uzinzo lokunikezelwa kwezinto eziluhlaza kunye nokunciphisa umngcipheko wokulibaziseka kwemveliso; kwangaxeshanye, lawula iindleko zemveliso, unike abathengi iimveliso ezisebenza ngexabiso eliphezulu.

(III) Intsimi yoPhuhliso lweNkqubo yeSoftware: i-R&D ezimeleyo, ezinzileyo nesebenzayo

• Uphando oluzimeleyo kunye nophuhliso lwenkqubo yesoftware ephambili yeMobile Money ATM, enamalungelo obunini bobuchwephesha obuzimeleyo, enokuthintela umngcipheko weengxabano zelungelo lokushicilela kwisoftware kwaye iqinisekise ulawulo oluzimeleyo lwenkqubo;
• Inkqubo yesoftware isebenzisa uyilo oluyimodyuli, olulula ukuluphucula nokuyigcina ikwimeko entle, kwaye inokongeza ngokukhawuleza imisebenzi emitsha ngokweemfuno zabathengi kunye notshintsho lwemarike, ngaphandle kokuguqulwa okukhulu kwenkqubo yonke;
• Gxila kuzinzo nokhuseleko lwenkqubo, uphucule indlela esebenza ngayo inkqubo, unciphise ukungqubana kwenkqubo kunye namazinga okungaphumeleli; kwangaxeshanye, uphucule inkqubo yokhuseleko rhoqo, uxhathise ukuhlaselwa kwenethiwekhi kunye nokuvuza kwedatha, kwaye uqinisekise ukusebenza ngokukhuselekileyo kweentengiselwano;
• Xhasa uhlengahlengiso lweelwimi ezininzi, lwemali ezininzi kunye nolweendawo ezininzi, kwaye ujongano lwesoftware kunye nengqiqo yokuthengiselana zinokulungiswa ngokweempawu zamazwe ahlukeneyo kunye nemimandla, ukuhlangabezana neemfuno zemarike yehlabathi;
• Sebenzisa indlela yophuhliso edibeneyo, uphucule indlela yokusebenzisana kwenkqubo, kwaye uphucule isantya sempendulo yentengiselwano, uqinisekise ukuba intengiselwano nganye inokugqitywa ngokukhawuleza nangokuzinzileyo, uphucula amava omsebenzisi.

(IV) Intsimi yoHlanganiso lweNkqubo: Inkonzo yokuma kunye, uQhagamshelo olungenamthungo

• Ukubonelela ngeenkonzo zobungcali zokudibanisa iinkqubo, kubandakanya ukufanisa izixhobo zekhompyutha kunye nesoftware, ukudokha iinkqubo zomntu wesithathu, ukuvumelanisa idatha, ukulungisa iimpazamo kwiinkqubo kunye nezinye iikhonkco, ukuqinisekisa ukuba i-ATM yeMobile Money inokunxibelelana ngokukhululekileyo nenkqubo ekhoyo yomthengi, kwaye ifezekise ukusebenza okuqhelekileyo kwekhonkco lonke leshishini;
• Yiba neqela leenkonzo zobugcisa elinobuchule, ukubonelela ngeenkonzo zokufakela, ukulungisa iimpazamo kunye noqeqesho kubathengi kwindawo yokusebenza, uncede abathengi babe nobuchule bokusebenzisa nokugcina izixhobo kunye neenkqubo, kwaye unciphise ubunzima bokusebenza kamva;
• Ukubonelela ngenkxaso yobugcisa yexesha elide emva kokuthengisa, inkonzo ye-intanethi yeeyure ezingama-24, ukusombulula iingxaki ezidibene nabathengi ekusebenzeni kwenkqubo kunye nokusetyenziswa kwezixhobo ngexesha elifanelekileyo, kunye nokuqinisekisa ukusebenza okuzinzileyo kwezixhobo;
• Hlanganisa zonke izixhobo zonxibelelwano lwemizi-mveliso, ukusuka kuyilo lwemveliso, imveliso, uphuhliso lwesoftware ukuya ekudityanisweni kwenkqubo kunye nenkonzo yasemva kokuthengisa, ukubonelela abathengi ngezisombululo ezizenzekelayo, ukunciphisa iindleko zokuthenga kunye nokusebenza komthengi, kunye nokuphucula ukusebenza kakuhle kokufikela kwiprojekthi.