I-ATM Yemali Yeselula

I. Izimo Zokusebenza ze-Mobile Money ATM

• Izimakethe Ezisafufusa Nezindawo Ezikude : Ifaneleka kakhulu ezifundeni ezinengqalasizinda yamabhange engathuthuki njenge-Afrika, iNingizimu-mpumalanga ye-Asia kanye neLatin America. Emazweni afana neKenya, iNigeria kanye neNingizimu Afrika, lapho ukukhokha ngeselula kuthandwa kakhulu, i-ATM yethu ye-Mobile Money ifanelana kahle nemikhuba yokusetshenziswa kwabasebenzisi bendawo abathanda ama-wallet eselula kunamakhadi asebhange angokoqobo, imboza izindawo zasemadolobheni nezasemakhaya ukuze kufezwe ukucwila kwezinsizakalo zezezimali.
• Izikhungo Zebhange Nezezimali : Ukubambisana namabhange omhlaba wonke kanye nezikhungo zezezimali ukuze kwandiswe iziteshi zesevisi, kuncishiswe izindleko zezitolo ezingaxhunyiwe ku-inthanethi, futhi kuhlinzekwe ngezinsizakalo zomuntu siqu amahora angama-24 kubasebenzisi, okuhlanganisa ukufaka imali kanye nokukhipha imali, ukudlulisa kanye nokukhokha izikweletu, kusiza izikhungo ukufeza imigomo yezezimali ebandakanya wonke umuntu.
• Abaqhubi Bezokuxhumana : Ngokuhlanganisa nezinhlelo zesikhwama semali yeselula zabaqhubi (njenge-M-Pesa eKenya), inikeza abasebenzisi ukuxhumana okungenamthungo phakathi kwama-akhawunti efoni ephathekayo nemali, kusekela ukushaja kabusha ifoni ephathekayo, ukudluliselwa kwemali kanye nezinye izinsizakalo, futhi kusiza abaqhubi ukwandisa imvelo yabo yesevisi yezezimali.
• Izimo Zokuthengisa Nomphakathi : Isetshenziswa ezitolo ezinkulu, ezitolo ezithengisa izinto ezishibhile, eziteshini zikaphethiloli, ezindaweni ezinhle nasezindaweni zokuhlala, inikeza ukukhishwa kwemali endaweni, ukukhokha izikweletu kanye nezinsizakalo ezengeziwe zenani kubathengi kanye nezakhamuzi, ithuthukisa ukulula kokuphila kwansuku zonke kanye nokunamathela kwabagibeli kwabathengisi abasebenzisanayo.
• Izimo Zokuthunyelwa Kwemali Emingceleni : Ukusekela imisebenzi yokuthunyelwa kwemali encane emingceleni kanye nokushintshaniswa kwemali yangaphandle, kuxazulula izinkinga zezindleko eziphakeme kanye nomjikelezo omude wokuthunyelwa kwemali yendabuko emingceleni, futhi kusetshenziswa kabanzi ezimweni zokuhweba kwemingceleni kanye nokuthunyelwa kwemali kwabasebenzi ezindaweni ezisemingceleni.

II. Imisebenzi Eyinhloko Yomkhiqizo we-Mobile Money ATM

• Imisebenzi Eyisisekelo Yokuthengiselana Ngezezimali : Isekela ukubuza ngebhalansi yesikhwama semali yeselula, ukufaka imali kanye nokuhoxiswa kwemali, ukudluliselwa kwe-akhawunti (phakathi kwamabhange/ngaphakathi kwamabhange), ukukhokhwa kwebhili (amanzi, ugesi, ukuxhumana, ukuphepha komphakathi, njll.), ukuhlangabezana ngokugcwele nezidingo zansuku zonke zokuphathwa kwezimali zabasebenzisi. Ingaphathwa ngokuzimela amahora angama-24 ngosuku ngaphandle kokuya ezitolo ezingaxhunyiwe ku-inthanethi, okuthuthukisa kakhulu ukusebenza kahle kwensizakalo.
• Imisebenzi Yokuzivumelanisa Nezinkokhelo Zeselula : Iyahambisana nezindlela zokukhokha zeselula ezivamile, isekela ukuthengiselana kokuskena ikhodi ye-QR, imisebenzi yomyalo wekhodi ye-USSD kanye nokuthengiselana kwe-NFC (Near Field Communication). Ifaneleka kumafoni ahlukahlukene anezici nama-smartphone, futhi ingaqedela ukuthengiselana okuncike kumanethiwekhi e-GSM ngaphandle kwe-inthanethi esheshayo, ehlanganisa iqembu elibanzi labasebenzisi, ikakhulukazi elifanele izindawo ezinengqalasizinda yenethiwekhi ebuthakathaka.
• Imisebenzi Yesiqinisekiso Sokuphepha Okuphezulu : Yamukela izindlela eziningi zokuphepha njengokuqinisekiswa kwephasiwedi ye-PIN, ukubethela kokudluliselwa kwedatha kanye nokuqinisekiswa kobunikazi obubili. Ithembele ohlelweni lokuvikela ukuphepha lwenethiwekhi ye-GSM, ivimbela ngempumelelo izingozi ezifana nokweba nokukhwabanisa, futhi iqinisekisa ukuphepha kwezimali nolwazi lwabasebenzisi. Ngesikhathi esifanayo, inemibuzo yokuqopha ukuthengiselana ngesikhathi sangempela kanye nemisebenzi yokuxwayisa kusenesikhathi yokuthengiselana engajwayelekile, elandelekayo kuyo yonke inqubo.
• Imisebenzi Yokukhulisa Eyenziwe Ngokwezifiso : Ngokwezidingo zamakhasimende, ingandisa izinsizakalo ezinenani elingeziwe ngendlela eguquguqukayo njengokushintshaniswa kwemali yangaphandle, ukushaja kabusha amakhadi eselula, ukuthengwa kwelotho, kanye nokuqoqwa nokulethwa kweposi; isekela ukushintshashintsha kwe-interface yezilimi eziningi, ivumelana nemikhuba yokusetshenziswa yamazwe nezifunda ezahlukene, futhi ihlangabezana nezidingo zezimo ezahlukahlukene zomhlaba wonke.
• Imisebenzi Yokuphatha Ukusebenza Nokulungisa Imishini : Ihlonyiswe ngokuqapha okude, isixwayiso sangaphambi kwesikhathi kanye nemisebenzi yokuxilonga okuzenzakalelayo. Abaphathi bangahlola isimo sokusebenza kwemishini ngesikhathi sangempela, isitokwe semali kanye nedatha yokuthengiselana, baphathe amaphutha amancane kude, futhi banciphise izindleko zokusebenza nokulungisa endaweni; basekela ukuphathwa kweqembu lamadivayisi amaningi ukuthuthukisa ukusebenza kahle kokusebenza nokulungisa.

III. Umhlahlandlela Wokusebenza Olula we-Mobile Money ATM

1. Ukusebenza Kokukhipha Imali (Umsebenzi Osetshenziswa Kakhulu)

1. Ku-interface yokulinda yedivayisi, khetha umsebenzi othi "Ukukhipha Imali Yeselula" bese uqinisekisa ukungena ekhasini lokusebenza;
2. Faka inombolo yeselula eboshelwe esikhwameni seselula, chofoza okuthi qinisekisa, bese ufaka ikhodi ye-PIN yokuthengiselana (ukuqinisekiswa kobunikazi);
3. Ngokusho kwemiyalelo esesikrinini, faka inani lokuhoxisa bese uthumela umyalelo ngemuva kokuqinisekisa ukuthi ulungile;
4. Idivayisi ixhumana neseva yomqhubi weselula ngenethiwekhi ye-GSM, futhi ikhipha imali ngokuzenzakalelayo ngemva kokuqinisekisa ukuthi ulwazi lulungile;
5. Ngemva kokuba umsebenzisi ethathe imali, angakhetha ukuphrinta irisidi lokuthengiselana. Umsebenzi usuqediwe, bese uhlelo luphuma ngokuzenzakalelayo.

2. Uphenyo Lwebhalansi kanye Nokusebenza Kokudlulisela

1. Khetha umsebenzi othi "Ibhalansi Yophenyo" noma othi "Dlulisa", faka inombolo yeselula kanye nekhodi ye-PIN ukuze uqedele ukuqinisekiswa kobunikazi;
2. Uphenyo Lwebhalansi: Ngemva kokuqinisekiswa, ibhalansi yamanje yesikhwama semali esiphathwayo iboniswa esikrinini ngesikhathi sangempela, futhi amarekhodi okuthengiselana kwakamuva angabuzwa;
3. Ukusebenza Kokudlulisa: Faka inombolo yeselula yomuntu okhokhelwayo kanye nenani lokudlulisa, thumela ngemuva kokuqinisekisa ulwazi, uhlelo luzonikeza umphumela wokuthengiselana ngesikhathi sangempela, bese ukudlulisa kufika ngokushesha.

3. Umsebenzi Osizayo Womyalo we-USSD

IV. Amakhono Okufaka Isistimu Yenkampani Yesithathu

• Ukufaka i-Docking nge-Mobile Operator Systems : Xhumana kalula nezinhlelo ze-wallet zeselula zabaqhubi bomhlaba wonke (njenge-M-Pesa eKenya, i-PalmPay eNigeria), qaphela ukusebenzisana kwedatha ngesikhathi sangempela phakathi kwama-akhawunti efoni ephathekayo namadivayisi e-ATM, futhi usekele imisebenzi efana nokudonswa kwemali, ukuqinisekiswa kokuthengiselana kanye nokuvumelanisa amarekhodi, ukuqinisekisa ukuvumelana kwedatha yokuthengiselana komsebenzisi kuwo wonke amapulatifomu.
• Ukuxhumanisa Ngezinhlelo Zebhange Nezezimali : Kuyahambisana nezinhlelo zebhange eziyinhloko (i-CBS) zamabhange amakhulu emhlabeni jikelele, kusekela ukudluliselwa kwemali phakathi kwamabhange nangaphakathi kwamabhange, ukuvumelanisa idiphozithi kanye nokuhoxiswa kwemali, futhi kufezekise ukuxhumana phakathi kwezinsizakalo zesikhwama semali yeselula nezinsizakalo zebhange zendabuko, kusiza izikhungo zezimali ukwandisa iziteshi zesevisi.
• Ukufaka Ama-Dock Ngezinkundla Zokukhokha Zeqembu Lesithathu : Sekela ukufaka ama-dock ngamapulatifomu okukhokha eqembu lesithathu ajwayelekile emhlabeni wonke, ahambisana nezindinganiso zokukhokha zekhodi ye-QR zamapulatifomu ahlukahlukene, futhi afeze ukuxhumana okungenamthungo phakathi kwamadivayisi e-ATM nezinhlelo zokukhokha zeqembu lesithathu, okuhlangabezana nezidingo zokukhokha ezahlukahlukene zabasebenzisi.
• Izixazululo Zokudokha Ezilungiselelwe Ngokwezifiso : Nikeza amaqembu ochwepheshe ochwepheshe ukuze enze ngezifiso izixhumi zokuxhumanisa idatha kanye nezinqubo zokuxhumana kwedatha ngokwezincazelo zesistimu ethile yamakhasimende, asekele ukuthuthukiswa kwesibili kanye nokuthuthukiswa kwesistimu, futhi aqinisekise ukuthi idivayisi ingazivumelanisa ngokuphelele nesistimu yebhizinisi yamakhasimende ekhona, kuncishiswe izindleko zokuguqulwa nokusetshenziswa kwesistimu.
• Ukudokha Kwezokuphepha Kwedatha : Sebenzisa inqubo yokudlulisa idatha ebethelwe enqubweni yokudokha, ulandele ngokuqinile izindinganiso zokuphepha kwedatha yezezimali zomhlaba wonke, uqinisekise ukuphepha nobumfihlo bedatha yokuthengiselana kanye nolwazi lomsebenzisi, futhi ugweme ukuvuza kwedatha kanye nezingozi zokuphazamisa.

V. Izinzuzo Zokuncintisana Eziyinhloko ze-Hongzhou Smart

(I) Insimu Yokuklama: Ukusungula Okuqondiswe Kumakhasimende, Okuzivumelanisa Nezimo

• Yamukela umklamo owenziwe umuntu, one-interface elula yemenyu kanye nemiyalelo yokusebenza ecacile, efanele abasebenzisi babo bonke ubudala nezizinda zemfundo, ikakhulukazi abasebenzisi abasemazweni asafufusa abangajwayelene namadivayisi kagesi ayinkimbinkimbi;
• Umklamo ngokwezici zemvelo zezifunda ezahlukene, ngokusebenza okumelana nothuli, ukungangenwa manzi, ukumelana nokushisa okuphezulu kanye nokumelana nokushisa okuphansi, ukuzivumelanisa nezimo zokusebenza ezinzima njengezindawo ezishisayo, izindawo zasemakhaya ezikude kanye nezindawo ezinhle zangaphandle;
• Sekela ukwakheka okwenziwe ngokwezifiso, ngokuya ngesithombe somkhiqizo wekhasimende, izidingo zokusebenza kanye nemikhuba yokusetshenziswa yesifunda, yenza ngokwezifiso ukubukeka, isikhombikubona, amamojula okusebenza kanye nezilungiselelo zolimi zedivayisi, usize amakhasimende ukuthi azivumelanise ngokushesha nemakethe yendawo;
• Qhubekela phambili ngokuthuthukisa ngokusekelwe ekufuneni kwemakethe, hlanganisa ubuchwepheshe bamuva njenge-NFC kanye nokuhlonza i-biometric, futhi uthuthukise njalo imisebenzi yomkhiqizo ukuze ugcine ukuncintisana kwemakethe, uhambisane nomkhuba wokuthuthukiswa kokukhokha ngeselula emhlabeni jikelele.

(II) Insimu Yokukhiqiza: Ukulawulwa Kwekhwalithi Okuqinile, Ukukhiqiza Okuphumelelayo

• Yamukela imishini yokukhiqiza ethuthukisiwe kanye nobuchwepheshe bomhlangano, uqaphele ukukhiqizwa okujwayelekile nokuzenzakalelayo, unciphise amaphutha enziwe ngesandla, futhi uqinisekise ukuvumelana nokuqina kwekhwalithi yomkhiqizo;
• Misa uhlelo lokuhlola ikhwalithi olusebenza ngokugcwele, wenze ukuhlolwa okuqinile ezintweni zokusetshenziswa, imikhiqizo eqediwe kancane kanye nemikhiqizo eqediwe, futhi yonke imikhiqizo idlula izitifiketi zekhwalithi zomhlaba wonke njenge-CE, i-FCC kanye ne-RoHS, ihlangabezane nezindinganiso zokungenisa zamazwe ahlukahlukene nezifunda;
• Inekhono lokukhiqiza eliqinile, elinomkhiqizo waminyaka yonke wama-terminals angaphezu kuka-100,000 okuzisiza wona, angahlangabezana nesidingo esikhulu samakhasimende futhi aqinisekise ukulethwa ngesikhathi, axazulule inkinga yomjikelezo omude wokulethwa kwamakhasimende aphesheya kwezilwandle;
• Lungiselela ukuphathwa kochungechunge lokuhlinzeka, ubambisane nabahlinzeki bomhlaba wonke abaziwayo ukuqinisekisa ukuzinza kokuhlinzekwa kwezinto zokusetshenziswa nokunciphisa ingozi yokubambezeleka kokukhiqiza; ngesikhathi esifanayo, lawula izindleko zokukhiqiza, unikeze amakhasimende imikhiqizo esebenza kahle kakhulu.

(III) Insimu Yokuthuthukiswa Kwesistimu Yesofthiwe: I-R&D Ezimele, Ezinzile Nesebenzayo

• Ucwaningo oluzimele kanye nokuthuthukiswa kohlelo lwesofthiwe oluyinhloko lwe-Mobile Money ATM, olunamalungelo obunikazi obuzimele, olungagwema ingozi yezingxabano ze-copyright yesofthiwe futhi luqinisekise ukulawulwa okuzimele kohlelo;
• Uhlelo lwesofthiwe lusebenzisa umklamo we-modular, okulula ukuwuthuthukisa nokuyinakekela, futhi lungangeza ngokushesha imisebenzi emisha ngokuya ngezidingo zamakhasimende kanye nezinguquko zemakethe, ngaphandle kokuguqulwa okukhulu kohlelo lonke;
• Gxila ekuzinzeni nasekuphepheni kwesistimu, uthuthukise indlela yokusebenza kwesistimu, unciphise ukuphahlazeka kwesistimu kanye namazinga okuhluleka; ngesikhathi esifanayo, uthuthukise njalo uhlelo lokuphepha, umelane nokuhlaselwa kwenethiwekhi kanye nokuvuza kwedatha, futhi uqinisekise ukusebenza okuphephile kokuthengiselana;
• Sekela ukuzivumelanisa nezilimi eziningi, izimali eziningi kanye nendawo yesikhathi esiningi, futhi isikhombikubona sesofthiwe kanye ne-logic yokuthengiselana kungalungiswa ngokuya ngezici zamazwe nezifunda ezahlukene, kuhlangatshezwane nesidingo semakethe yomhlaba wonke;
• Sebenzisa imodi yokuthuthukisa ehlanganisiwe, yenza ngcono indlela yokusebenzisana kwesistimu, futhi uthuthukise isivinini sokuphendula kokuthengiselana, uqinisekise ukuthi ukuthengiselana ngakunye kungaqedwa ngokushesha nangokuzinzile, uthuthukise ulwazi lomsebenzisi.

(IV) Insimu Yokuhlanganisa Isistimu: Isevisi Yokuma Kanye, Ukuxhumeka Okungenamthungo

• Nikeza izinsizakalo zobungcweti zokuhlanganisa izinhlelo, okuhlanganisa ukufaniswa kwehadiwe nesofthiwe, ukufakwa kwesistimu yomuntu wesithathu, ukuvumelanisa idatha, ukulungisa amaphutha ohlelweni kanye nezinye izixhumanisi, ukuqinisekisa ukuthi i-Mobile Money ATM ingaxhumana kalula nohlelo olukhona lwamakhasimende, futhi ibone ukusebenza okuvamile kwalo lonke uchungechunge lwebhizinisi;
• Yiba nethimba lezinsizakalo zobuchwepheshe elingochwepheshe, unikeze amakhasimende izinsizakalo zokufaka, ukulungisa amaphutha kanye nokuqeqesha endaweni, usize amakhasimende ukuba abe nolwazi lokusebenzisa nokugcina imishini nezinhlelo, futhi unciphise ubunzima bokusebenza kamuva;
• Nikeza ukwesekwa kobuchwepheshe besikhathi eside ngemuva kokuthengisa, isevisi eku-inthanethi yamahora angama-24, ukuxazulula izinkinga ezihlangabezana namakhasimende ekusebenzeni kohlelo nasekusetshenzisweni kwemishini ngesikhathi esifanele, nokuqinisekisa ukusebenza okuzinzile kwemishini;
• Hlanganisa yonke imithombo yochungechunge lwezimboni, kusukela ekwakhiweni komkhiqizo, ekukhiqizweni, ekuthuthukisweni kwesofthiwe kuya ekuhlanganisweni kwesistimu kanye nensizakalo yangemva kokuthengisa, unikeze amakhasimende izixazululo ze-turnkey, unciphise izindleko zokuthenga nokusebenza kwekhasimende, futhi uthuthukise ukusebenza kahle kokufika kwephrojekthi.