Muab kev txhawj xeeb txog kev nyab xeeb, Reserve Bank of India (RBI) tau npaj qee qhov kev hloov pauv ntawm peb siv daim debit / credit card thaum mus yuav khoom los ntawm e-commerce chaw.
Qhia txog cov txheej txheem tshiab hu ua 'Tokenization,' Rbi tau hais tias cov txheej txheem no yuav txhawb nqa kev nyab xeeb thiab kev nyab xeeb ntawm daim npav cov ntaub ntawv thaum siv daim npav yooj yim zoo li ua ntej.
Raws li cov txheej txheem kev them nyiaj digital tshiab, RBI tau tso cai rau daim npav network / cov neeg sib sau ua ke los muab cov kev pabcuam tokenization raws li Token Service Providers (TSPs).
Tam sim no koj yuav xav paub tias qhov txheej txheem tokenization no yog dab tsi thiab nws yuav ua li cas thiaj li muaj kev ruaj ntseg ntxiv?
Thiab leej twg tuaj yeem muab cov tokens no?
Thiab peb puas yuav tsum nkag mus rau tag nrho cov ntaub ntawv daim npav ib zaug ntxiv thaum mus yuav khoom hauv online?
Tsis txhob txhawj; peb nyob ntawm no los teb tag nrho koj cov lus nug. Yog li dhia mus rau hauv kab lus kom paub ntau ntxiv.
Tokenization yog dab tsi?
Cov lag luam e-lag luam loj xws li Amazon, Myntra, Flipcart, Bigbasket, thiab lwm yam, hais kom koj khaws koj daim npav cov ntsiab lus txhua zaus koj mus yuav khoom nrog lawv.
Cov ntaub ntawv daim npav zoo li daim npav naj npawb, hnub tas sijhawm, thiab CVV tau khaws cia hauv cov tuam txhab cov ntaub ntawv.
Tab sis yog tias cov databases tau hacked, nws ua rau muaj teeb meem tiag tiag vim tias txhua daim npav cov ntaub ntawv yuav nkag tau yooj yim. Tab sis yuav ua li cas yog tias muaj kev nyab xeeb dua? Nkag mus rau Tokenization
Tokenization yog tus txheej txheem ntawm kev hloov koj daim npav cov ntsiab lus rau hauv ib qho cim cim tshwj xeeb uas tshwj xeeb rau koj daim npav thiab tsuas yog rau ib tus tub lag luam ib zaug.
Qhov cim cim no zais tag nrho koj daim npav cov ntsiab lus kom tsis muaj leej twg tuaj yeem siv lawv yuam kev. Koj tuaj yeem khaws cov token no rau ntawm tus neeg rau zaub mov hauv online thiab rov ua dua los ntawm kev nkag mus rau koj tus CVV yam tsis tau nkag mus rau koj daim npav cov ntaub ntawv rov qab thiab dua.
Txoj cai no pib siv txij Lub Ib Hlis 1st, 2022, thiab txhua lub vev xaib e-lag luam tsis tuaj yeem khaws koj daim npav cov ntsiab lus.
Daim npav tokenization ua haujlwm li cas?
Thaum kuaj xyuas hauv online khw muag khoom portal, koj tuaj yeem nkag mus rau koj daim npav cov ntsiab lus thiab xaiv rau tokenization.
Tus tub lag luam yuav xa daim ntawv thov token mus rau lub tuam txhab nyiaj txiag lossis daim npav network. Ib tug tshiab token tshwj xeeb rau daim npav thiab cov tub lag luam yog tsim thiab xa rov qab mus rau lub txhab nyiaj / daim npav network.
Koj tuaj yeem khaws cov token no rau kev siv yav tom ntej, piv txwv li, thaum twg koj yuav khoom ntawm lub portal, koj tuaj yeem siv qhov kev xaiv token khaws tseg thiab nkag mus rau CVV ntawm koj daim npav thiab ua tiav qhov kev sib pauv.
Thiab yog tias koj xaiv tsis siv lub token, koj yuav tsum tau nkag mus rau tag nrho cov ntaub ntawv daim npav dua hauv kev hloov pauv tom ntej.
Keeb kwm ntawm Tokenization:
Lub tswv yim tseem ceeb ntawm lub token yog los hloov cov ntaub ntawv rhiab rau cov neeg siv nrog cov ntaub ntawv tsis-sensitive digital. Tokenization tau tshaj tawm hauv 2001 los ntawm TrustCommerce los tiv thaiv nws cov neeg siv ' credit card ntaub ntawv.
Lub kaw lus uas TrustCommerce tsim yog los hloov tus lej account thawj (PAN) ntawm tus neeg siv khoom nrog tus lej random hu ua token. Cov neeg siv tuaj yeem ua qhov kev hloov pauv los ntawm kev xa mus rau qhov token txhua lub sijhawm.
Tokenization vs Encryption:
Tokenization thiab Encryption yog ob qho tib si siv rau kev ruaj ntseg cov ntaub ntawv. Tab sis, puas muaj qhov sib txawv ntawm ob ntawm lawv? Yog, cov txheej txheem cryptographic siv ntawm cov ntaub ntawv sib txawv hauv txhua kis.
Encryption hloov qhov ntev thiab cov ntaub ntawv hom ntawm cov ntaub ntawv uas ruaj ntseg thaum tokenization tsis. Encryption hloov cov ntaub ntawv mus rau hauv cov lus encrypted uas tuaj yeem txiav txim siab nrog kev siv tus yuam sij.
Tokenization yog ib qho txheej txheem irreversible.
Thaum cov ntaub ntawv hloov dua siab tshiab rau hauv cov ntaub ntawv zais cia, nws tsis yog decryptable. Tokenization yog ib qho txiaj ntsig zoo thiab muaj kev nyab xeeb ntau dua li kev encryption.
Puas yog qhov kev pabcuam tokenization dawb?
Yog lawm, cov txheej txheem tokenization yog pub dawb rau txhua tus neeg siv. Koj tuaj yeem tau txais tokens rau txhua tus lej ntawm daim npav rau kev hloov pauv.
Txoj cai siv rau cov npav hauv tsev nkaus xwb; cov lus qhia no tseem tsis tau them cov npav thoob ntiaj teb.
Tab sis muaj qhov ntes ntawm no yog tias tus tub lag luam tsis tau koom nrog nws lub vev xaib portal nrog daim npav / txhab nyiaj network thaum kawg Lub Kaum Ob Hlis 31st, 2021, koj yuav tsum nkag mus rau daim npav cov ntsiab lus txhua zaus koj yuav nrog tus tub luam.
Vim li cas cov kev hloov no tsim nyog?
Tus kab mob COVID-19 tau ua rau muaj kev hloov pauv loj rau hauv kev lag luam digital. Nrog ntau thiab ntau cov neeg siv khoom thiab cov tub lag luam hloov mus rau kev them nyiaj digital, tam sim no tseem ceeb dua puas tau kom nruj kev ruaj ntseg.
Nrog rau qhov nruab nrab ntawm 6 billion kev lag luam tshwm sim txhua lub hlis, kev dag ntxias kuj tuaj yeem loj hlob tuaj yeem yog tias tsis saib xyuas.
Qhov kev dag ntxias no tuaj yeem ua rau muaj kev hem thawj loj rau tag nrho lub tebchaws cov nyiaj txiag. Los ntawm 2019 txog 2020, daim npav dag tau nce 14% CAGR, thaum nyob rau hauv peb lub xyoos dhau los tau nce 34%.
Daim card-on-File system tam sim no tsis txaus vim nws tuaj yeem ua txhaum cai yooj yim, thiab cov ntaub ntawv tuaj yeem raug nyiag.
Yog li txhawm rau saib xyuas kev txhawj xeeb txog kev nyab xeeb, RBI tau los nrog Tokenization system, uas lav tias cov neeg siv khoom cov ntsiab lus tsis tuaj yeem ua txhaum cai thiab tsis tuaj yeem siv los ntawm leej twg.
Puas yuav muaj kev cuam tshuam rau cov neeg siv khoom?
Cov neeg thib peb them nyiaj sib sau ua ke tau muaj teeb meem ntawm kev ruaj ntseg yav dhau los, uas ua rau hacking thiab cov ntaub ntawv poob.
Tab sis nrog cov txheej txheem tokenization tshiab, txawm tias koj siv daim npav rau hauv khw lossis kev yuav khoom hauv online, cov ntsiab lus ntawm daim npav raug xa mus rau daim npav rho nyiaj lossis daim npav network, uas tsim cov tokens rau kev sib pauv.
Li no, daim npav cov ntsiab lus tsis tuaj yeem siv tsis raug raws li qhov xwm txheej.
Cov kev paub dhau los ntawm cov neeg siv khoom kawg yuav nyob zoo ib yam thiab yuav tsis ua rau muaj qhov sib txawv.
Qhov zoo ntawm tokenization:
Ua raws:
Txhua qhov kev them nyiaj yuav tsum ua raws li PCI DSS (Payment Card Industry Data Security Standard), uas yog tus qauv kev ruaj ntseg.
Tokenization ua raws li PCI DSS thiab ua kom koj muaj kev nyab xeeb thiab kev nyab xeeb txhua lub sijhawm.
Risk txo:
Yog tias koj yog tus tswv lag luam e-lag luam thiab tau sau ntau cov ntaub ntawv siv. Yog tias hackers ua txhaum cov ntaub ntawv no, koj yuav tsum ua lub luag haujlwm rau nws. Hloov chaw, tokenization pab koj txo qhov kev pheej hmoo, uas muaj kev nyab xeeb rau koj thiab cov neeg siv khoom.
Cov neeg siv khoom loyalty thiab kev ntseeg siab:
Cov neeg siv khoom xav tau kev ruaj ntseg thiab kev nyab xeeb nrog lawv cov kev lag luam online.
Nrog kev dag ntxias hauv online nce ib hnub dhau ib hnub, nws tam sim no tseem ceeb tshaj los muab cov neeg siv khoom muaj kev nyab xeeb thiab nyab xeeb kev lag luam thiab yeej lawv txoj kev ntseeg siab. Tokenization pab cov lag luam e-lag luam tsim kev ntseeg siab nrog cov neeg siv khoom.
Tokenization drives innovation:
Tokenization paves txoj hauv kev rau kev nrhav tshiab hauv kev them nyiaj ecosystem. Nws tau dhau los ua lub hauv paus rau kev them nyiaj, tsis hais hauv khw, hauv online, lossis los ntawm cov hnab nyiaj hauv xov tooj.
xaus
Tokenization muab cov txiaj ntsig zoo rau kev lag luam e-lag luam xws li kev ua raws cai, txo kev pheej hmoo, kev ntseeg siab rau cov neeg siv khoom, thiab kev ntseeg siab, thiab nws kuj tseem txhawb kev tsim kho tshiab.
Qhov no yuav tiv thaiv cov neeg siv khoom Indian ntxiv los ntawm daim npav dag thiab ntxiv dag zog rau kev lag luam e-lag luam mus rau tom ntej.
Qhia rau peb paub yog tias koj muaj lus nug hauv cov lus hauv qab no.
Sau ntawv cia Ncua