I -ATM ye-Hongzhou Smart Mobile Money yi-terminal yezemali yesizukulwana esilandelayo eyenzelwe ngokukodwa abaqhubi bemali yeselula, iinkampani zonxibelelwano, kunye namaziko emali. Ivumela abasebenzisi bokugqibela ukuba benze iintengiselwano ezingenamakhadi ngqo kwiiwallet zabo zeselula, kubandakanya idiphozithi yemali, ukurhoxiswa kwemali, uphando lwebhalansi, ukudluliselwa kwemali, ukugcwalisa i-airtime, kunye nentlawulo yebhili—konke oku nge-USSD, ikhowudi ye-QR, usetyenziso lweselula, okanye ukuqinisekiswa kwenombolo yefowuni. .
Ngokungafaniyo nee-ATM zebhanki zemveli ezifuna amakhadi ebhanki abonakalayo kunye neziseko zebhanki ezizinikeleyo, i-ATM yeMobile Money yenzelwe ubuchwepheshe be-GSM kunye ne-USSD , iqinisekisa ukuhambelana neenethiwekhi ze-bandwidth ephantsi kunye neefowuni eziluncedo—ezibalulekileyo kwimimandla yasemaphandleni nengafumani nkonzo ingako. Oku kubeka esi sixhobo njengesikhuthazo sokubandakanywa kwezemali , sinika iinkonzo zemali ezisesikweni kuluntu olungenazo iibhanki kunye noluntu olungenazo iibhanki ngokwaneleyo ngokufanelekileyo. .
I-Hongzhou Smart izisa iminyaka engaphezu kwama-20 yobuchwephesha bophando nophuhliso lwezixhobo zokuzenzela kunye nokuvelisa , emva kokuhambisa izitimela zokuzenzela ezingaphezu kwama-450,000 kumazwe angaphezu kwe-115 kwihlabathi liphela (ngoMatshi, 2026). Izixhobo zethu zokuvelisa ziqinisekisiwe yi-ISO9001, ISO13485, ISO14001, IATF16949 kwaye ziqatshelwa njengeShishini leSizwe leTekhnoloji ePhakamileyo laseTshayina. .
Ihambelana ngokupheleleyo neendlela ezininzi zokuqinisekisa ukufikelela ngokukhuselekileyo nangokulula ngaphandle kwamakhadi ebhanki :
| Indlela yoQinisekiso | Inkcazo |
|---|---|
| Ikhowudi ye-USSD | Umsebenzisi uqala ngekhowudi ye-USSD (umz., *126#), ufumana ithokheni, igalelo kwi-ATM |
| Inombolo yefowuni + i-PIN | Ukuqinisekiswa ngokuthe ngqo ngenombolo yeselula kunye nePIN yakho |
| Ikhowudi ye-QR | Skena ikhowudi ye-QR ukuze uqiniseke ngoko nangoko |
| OTP | Iphasiwedi ethunyelwa kanye ngeSMS |
| Ibhayomethrikhi | Ukubonwa kweminwe okanye ubuso (ukhetho) |
Ixhasa imisebenzi yemali epheleleyo ukuhlangabezana neemfuno ezahlukeneyo zabasebenzisi :
Imali Ekhutshwayo (Ukurhoxiswa) – Khupha imali kwi-wallet yeselula
Imali-Ngena (Idiphozithi) – Faka imali kwi-wallet yeselula
Ukudluliselwa kweMali – Ukudluliselwa kwemali phakathi kwabantu ngabanye
Uphando lweBhalansi - Jonga ibhalansi yesipaji seselula ngexesha langempela
Intlawulo yeBhili – Iibhili zeenkonzo, iintlawulo zomthengisi, nokunye
I-Airtime Top-Up – Ukutshaja kwangoko ngetyala leselula
Isebenza ngaphandle kokuphazamiseka neenkonzo ezinkulu zemali zeselula zehlabathi :
| Iqonga | Ummandla |
|---|---|
| Imali yeSelfowuni yeMTN | Afrika (eGhana, eUganda, eCameroon, njl.njl.) |
| I-M-Pesa | IKenya, iTanzania, kunye neMpuma Afrika |
| Imali ye-Airtel | Iimarike ezininzi zaseAfrika |
| Imali yeorenji | ENtshona naseMbindini Afrika |
| I-EcoCash | Zimbhabhwe |
| Imali yeWave | Iimarike ezininzi |
| I-MoMo | IGhana, ezinye iimarike |
| bKash | Bhangladeshi |
| I-GCash | Filipayinzi |
I-ATM yeMobile Money isebenza kwiziseko zenethiwekhi ye-GSM kunye netekhnoloji yezemali ye-USSD , inkqubo elula efanelekileyo kwimimandla enokufikelela kwi-intanethi okulinganiselweyo. :
Umgaqo Wokusebenza :
Umsebenzisi uqalisa intengiselwano ngekhowudi ye-USSD kwifowuni ephathwayo, akhethe inkonzo (umz., "Imali ye-ATM"), aze afake i-PIN ukuze afumane ithokheni yexeshana
Ithokheni yomsebenzisi yokufaka kunye nenombolo yeselula kwisikrini sokuchukumisa se-ATM
I-terminal iqhagamshela kwiseva yesipaji seselula somqhubi we-telecom nge-GSM/USSD ukuze iqinisekiswe ngexesha langempela
Emva kokuqinisekiswa, i-terminal ikhupha imali, icwangcise iidipozithi, okanye igqibezele ukudluliselwa kwemali
Umsebenzisi ufumana irisithi eprintiweyo kunye nokuqinisekiswa kwe-SMS
Iingenelo :
Ukufikeleleka Okubanzi : Isebenza kuzo zonke iintlobo zeefowuni eziphathwayo, kuquka neefowuni ezisisiseko; akukho fowuni ziphathwayo okanye i-intanethi efunekayo
Kulula ukuyisebenzisa : Ujongano oluqhutywa yimenyu lufikeleleka nakubasebenzisi abanolwazi oluncinci lobuchwepheshe
Ixabiso Eliphantsi : Isebenzisa iziseko ze-GSM ezikhoyo ngaphandle kokufuna izicwangciso zedatha ezibizayo
Ukhuseleko Oluphezulu : Iintengiselwano ze-USSD zifuna ukuqinisekiswa kwePIN; inethiwekhi ye-GSM ibonelela ngokubethela idatha
Ixhotyiswe ngezixhobo eziqinileyo ezenzelwe ukusebenza iiyure ezingama-24/7 ngaphandle kwegadi kwiindawo ezahlukeneyo :
Umboniso : Isikrini sokuchukumisa se-HD esiyi-intshi ezili-19–27
Ukhuseleko : I-Anti-tamper casing, izixhobo ezichasene ne-skimming, ukuhanjiswa kwedatha efihliweyo
Ukuphathwa kwemali : Ukwamkela/ukuhambisa iibhili okuhlala ixesha elide kunye nezinga eliphezulu lempumelelo yokuthengiselana
Uqhagamshelo : 4G / GSM / Wi-Fi / Ethernet ukuze isebenze ngokuzinzileyo kwiindawo zasezidolophini, zasemaphandleni, nakwiindawo ezikude
Ukuqina : Yenzelwe iindawo ezinobushushu obuphezulu, ezinomswakama ophezulu, kunye neendawo ezisetyenziswa kakhulu
Uyilo lweModular : Ingaphuculwa ngokulula ukusuka kwisixhobo sokuhambisa imali esisisiseko ukuya kwisiphelo senkonzo epheleleyo
Ifumaneka ngeendlela ezahlukeneyo ukuze ivumelane neemeko ezahlukeneyo zokusasazwa :
| Imodeli | Inkcazo |
|---|---|
| Ukuma phantsi | Iyunithi ende epheleleyo yeendawo ezinabantu abaninzi |
| Ifakwe eludongeni | Ukonga indawo kwiivenkile zeearhente kunye neevenkile ezithengisa izinto ezithengiswayo |
| Ikhawuntara | Imodeli encinci yeendawo ezincinci zokuthengisa |
| Ipharamitha | Inkcazo |
|---|---|
| Ubukhulu (Umgangatho Omiyo) | Ingalungiselelwa ngokwezifiso (malunga ne-59 × 52 × 186 cm Ububanzi obupheleleyo nobubanzi obuphezulu) |
| Ubunzima | Malunga ne-350 kg (iyahluka ngokwesimo) |
| Izinto eziphathekayo | Intsimbi eqengqelekayo ebandayo eyi-1.5–2.0mm enezigqubuthelo ezilwa nomhlwa nezilwa nothuli |
| Bonisa | Isikrini sokuchukumisa esine-capacitive esingu-19–27 intshi |
| Uqhagamshelo | I-4G LTE, i-GSM, i-Wi-Fi, i-Ethernet |
| Uqinisekiso | I-USSD, ikhowudi ye-QR, i-OTP, inombolo yefowuni + i-PIN, i-biometric (ukhetho) |
| Ukuphathwa Kwemali | Isamkeli/isiniki-mali semali (sinokulungiswa ngomthamo) |
| Ukhuseleko | Ibhokisi echasene nokuphazamiseka, ukubethela i-PIN, ukubeka esweni ukuthengiselana |
| Inkqubo yokwenza | IWindows / Android / Linux (ingenziwa ngokwezifiso) |
| Inkxaso yoLwimi | Iilwimi ezininzi (isiNgesi, isiFrentshi, isiArabhu, isiSwahili, njl.njl.) |
| Iziqinisekiso | I-CE, i-FCC, i-RoHS; i-ISO9001, i-ISO13485, i-ISO14001, i-IATF16949, ivunyiwe yi-UL |
I-Hongzhou Smart iseke ubudlelwane obuqinileyo nobunzulu bexesha elide ne-MTN , enye yeenkampani ezinkulu zonxibelelwano e-Afrika, ukuze kuphuculwe ukubandakanywa kwezemali kulo lonke ilizwekazi. .
| Umbono | Iinkcukacha |
|---|---|
| Imodeli yoBambiswano | I-Hongzhou Smart ibonelela ngezixhobo ze-ATM zeMobile Money kunye nokudibanisa isoftware; i-MTN isebenzisa isiseko sayo esibanzi sabasebenzisi be-wallet yeselula kunye neziseko zenethiwekhi ukuze isetyenziswe |
| Ugutyungelwa kweMarike | Ukusasazwa ngokubambisana kumazwe amaninzi aseAfrika (eGhana, eUganda, eCameroon, nakwezinye iindawo), kwandisa iinkonzo zemali kwizigidi zabasebenzisi abangenazo iibhanki |
| Ulungelelwaniso loBugcisa | Izixhobo zilungiselelwe iqonga leMTN Mobile Money, ukuqinisekisa ukuhlanganiswa okungenamthungo kunye namazinga aphezulu empumelelo yokuthengiselana |
| Ubuchule obudibeneyo | Ukuphuhlisa kunye iimpawu zasekuhlaleni ezifana nonxibelelwano lweelwimi ezininzi, iindlela zokusebenzisa amandla aphantsi, kunye nezixhobo zolawulo lweearhente |
| Ukuthobela imithetho | Izixhobo ezilungiselelwe ukuthobela imigaqo yezemali yasekuhlaleni kunye neemfuno ze-AML/KYC kwilizwe ngalinye lokusasazwa |
Olu budlelwane luqinisekisa amandla obuchwephesha eHongzhou Smart kwaye lubeka inkampani njengomthengisi oyintloko othembekileyo kwimarike yemali yeselula ekhula ngokukhawuleza eAfrika. .
Ishishini lemali yeselula laseAfrika lijongene nemingeni emine ephambili, yonke ijongiwe ngempumelelo zizisombululo zeMobile Money ATM zaseHongzhou Smart :
| Indawo yentlungu | Isisombululo esihlakaniphile saseHongzhou |
|---|---|
| Ii-arhente zemveli zisebenza kuphela emini, zinemigca emide kwaye zinqongophele iindawo zasemaphandleni. | Ukusebenza ngaphandle kokujonga abantu iiyure ezingama-24 ngosuku, iintsuku ezisi-7; uyilo oluncinci lokusasazwa ngendlela eguquguqukayo (iimarike, iilali, iindawo zothutho) |
| Ukufikelela kancinci kwemali kwiindawo ezikude | Ukuhambelana kwe-GSM/USSD kuphelisa ukuxhomekeka kwiziseko zophuhliso zekhadi lebhanki okanye kwi-intanethi ekhawulezayo |
| Indawo yentlungu | Isisombululo esihlakaniphile saseHongzhou |
|---|---|
| Iiarhente zihlawulisa iikhomishini eziphezulu (10–20% ngentengiselwano nganye) | Iindleko eziphantsi zentengiselwano ngeenkqubo ezizenzekelayo |
| Iingozi zobusela, ubuqhetseba, kunye neempazamo zokuphatha imali | Ukhuseleko olukhuselwe yi-PIN, izixhobo ezichasene nokuphazamiseka, kunye nokucubungula i-backend ngaphandle kwemali |
| Indawo yentlungu | Isisombululo esihlakaniphile saseHongzhou |
|---|---|
| Ii-ATM ezininzi zixhomekeke kwi-intanethi ekhawulezayo okanye kwiinkqubo zamakhadi ebhanki ezingahambelaniyo neenethiwekhi ze-bandwidth ephantsi zaseAfrika. | Itekhnoloji esekwe kwi-GSM/USSD yeentengiselwano ezihambelanayo ngaphandle kwe-intanethi |
| Iifowuni zibalaseleyo kwiimarike ezininzi | Isebenza kuzo zonke iifowuni eziphathwayo, akukho mfuneko ye-smartphone |
| Indawo yentlungu | Isisombululo esihlakaniphile saseHongzhou |
|---|---|
| Ii-ATM eziqhelekileyo azikwazi ukuziqhelanisa neemfuno ezahlukeneyo zabathengi | Uyilo lwezixhobo zemodyuli, ukwenziwa ngokwezifiso kweleyibhile emhlophe (ilogo, umbala, ujongano) |
| Ubunzima bokwandisa imfuno yabasebenzisi | Ukuphucula okulula ukusuka kwizixhobo zokuhambisa imali ezisisiseko ukuya kwiiterminal zeenkonzo ezipheleleyo |
| Uhlobo lomsebenzisi | Sebenzisa ityala |
|---|---|
| Abaqhubi beNethiwekhi yeSelfowuni (ii-MNO) | Yandisa iinkonzo zemali zeselula ngeendlela zokuzinceda |
| Ababoneleli beenkonzo zemali yeselula | Nciphisa ukuxinana kwenethiwekhi yeearhente kunye neendleko zokusebenza |
| Iibhanki kunye neeZiko zeMali ezincinci | Nika iinkonzo zebhanki ezingenamakhadi kubantu abangenamali eyaneleyo |
| Ababoneleli beenkonzo zokuhlawula (ii-PSP) | Yandisa iziseko zokwamkelwa kwentlawulo |
| Iinethiwekhi zeeNtengiso kunye neeArhente | Nika iinkonzo ezinexabiso elongezelelekileyo kwiindawo zokuthengisa |
| Oorhulumente | Xhasa ukubandakanywa kwezemali kunye nokusasazwa kwentlalo-ntle yoluntu |
| Imeko | Umgangatho wokuma |
|---|---|
| Iindawo zasemaphandleni nakwiindawo ezikude | Zisa iinkonzo zemali ezisemthethweni kwiindawo ezingenabhanki |
| Iindawo zokuThenga zasezidolophini | Ukufikelela okulula iiyure ezingama-24 ngosuku, iintsuku ezisi-7 ngemini kubasebenzisi bemali yeselula basezidolophini |
| Izitishi zeBhasi kunye nooLoliwe | Khonza abakhenkethi abaninzi |
| IiMarike kunye neeNdawo zokuRhweba | Lungiselela iintlawulo zabarhwebi kunye nokufikelela kwimali |
| Iivenkile ze-Agent | Nciphisa imigca kwaye wandise iiyure zenkonzo |
| Iikhampasi zeNkampani nezeYunivesithi | Ukubonelela ngeenkonzo zemali eziluncedo kwikhampasi |
I-Hongzhou Smart ibonelela ngeenkonzo ezipheleleyo ze-OEM kunye ne-ODM kwiqonga le-ATM leMobile Money :
Ukwamkelwa ngokubanzi kwee-ATM zeMobile Money eAfrika kuvela kwizinto ezininzi :
| I-Factor | Ingcaciso |
|---|---|
| Ukungena okuphantsi kweBhanki | Abemi abaninzi abangenazo iibhanki, ingakumbi kwiindawo zasemaphandleni, abangenawo amasebe ebhanki aqhelekileyo. |
| Ukusetyenziswa Okubanzi KweeSelfowuni | Ukusetyenziswa kweefowuni eziphathwayo kuqhelekile nakumaqela anengeniso ephantsi, nto leyo edala isiseko esilungele ukusetyenziswa |
| Imigaqo-nkqubo exhasayo | Oorhulumente baye banciphisa imithetho yokukhuthaza iinkonzo zemali eziphathwayo |
| Iingenelo ze-USSD/GSM | Iyahambelana neefowuni ezisisiseko; ayifuni i-intanethi ekhawulezayo |
| Inkqubo yezeMali zeSelfowuni ezivuthiweyo | Iinkonzo ezifana neMTN Mobile Money kunye neM-Pesa zifumene ukuthenjwa okukhulu ngabasebenzisi |
| Ukusebenza kakuhle kweendleko | Ixabiso eliphantsi kunokwakha amasebe ebhanki emveli; kusetyenziswa iziseko zophuhliso ezikhoyo |
| Ukhuseleko | Iintengiselwano ze-USSD zifuna ukuqinisekiswa kwePIN; inethiwekhi ye-GSM ibonelela ngokubethela |
| Ukukhetha kweNkcubeko ngeMali | Ibonelela ngebhulorho phakathi kwee-wallet zedijithali kunye nemali ebonakalayo |
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