Poganizira zachitetezo, Reserve Bank of India(RBI) yati zisinthe momwe timagwiritsira ntchito kirediti kadi/ma kirediti kadi tikamagula pa intaneti.
Kuyambitsa njira yatsopano yotchedwa 'Tokenization,' Rbi wanena kuti njirayi idzalimbitsa chitetezo ndi chitetezo cha deta yamakhadi pogwiritsa ntchito makhadi mosavuta monga kale.
Malinga ndi malangizo atsopano olipira digito, RBI yalola maukonde / ma aggregators a makadi kuti apereke mautumiki a ma tokenization ngati Token Service Providers (TSPs).
Tsopano mutha kudabwa kuti njira iyi ya tokenization ndi chiyani ndipo idzapereka bwanji chitetezo chochulukirapo?
Ndipo ndani angapereke zizindikiro izi?
Ndipo kodi tiyenera kuyika zambiri zamakhadi mobwerezabwereza tikamagula pa intaneti?
Osadandaula; tili pano kuti tiyankhe mafunso anu onse. Choncho kudumphira m'nkhani kuti mudziwe zambiri.
Kodi tokenization ndi chiyani?
Zimphona zazikulu za e-commerce monga Amazon, Myntra, Flipcart, Bigbasket, ndi zina zambiri, zimakufunsani kuti musunge zambiri zamakhadi anu nthawi iliyonse mukagula nawo.
Deta yamakhadi monga nambala yamakhadi, tsiku lotha ntchito, ndi CVV zimasungidwa m'malo osungira makampaniwa.
Koma ngati nkhokwezo zitabedwa, zimabweretsa vuto lenileni chifukwa zonse zomwe zidziwitso zamakhadi zitha kupezeka mosavuta. Koma bwanji ngati pali njira yotetezeka? Lowani Tokenization
Tokenization ndi njira yosinthira tsatanetsatane wa khadi lanu kukhala chizindikiro chapadera chomwe chili pamakhadi anu komanso kwa wamalonda m'modzi panthawi imodzi.
Chizindikiro chapaderachi chimabisa zonse zamakadi anu kuti palibe amene angawagwiritse ntchito molakwika. Mutha kusunga chizindikirochi pa seva yapaintaneti ndikupanga mayendedwe mobwerezabwereza mwa kungolowetsa CVV yanu osalowetsa zambiri zamakhadi anu mobwerezabwereza.
Lamuloli liyamba kugwira ntchito kuyambira pa Januware 1, 2022, ndipo masamba onse a e-commerce sangathe kusunga zambiri zamakhadi anu.
Kodi chizindikiro cha khadili chimagwira ntchito bwanji?
Mukayang'ana pa malo ogulitsira pa intaneti, mutha kuyika zambiri zamakhadi anu ndikusankha ma tokenization.
Wogulitsayo atumiza pempho la chizindikirocho ku banki kapena netiweki yamakhadi. Chizindikiro chatsopano chapadera cha khadi ndipo wamalonda amapangidwa ndikutumizidwa ku netiweki ya banki/khadi.
Mutha kusunga chizindikirochi kuti mugwiritse ntchito m'tsogolo, mwachitsanzo, nthawi iliyonse mukagula pa portal, mutha kugwiritsa ntchito chizindikiro chosungidwa ndikulowetsa CVV ya khadi lanu ndikumaliza ntchitoyo.
Ndipo ngati mwasankha kusagwiritsa ntchito chizindikirocho, mudzafunikanso kuti mulowetsenso zambiri zamakhadi pazotsatira.
Mbiri ya Tokenization:
Lingaliro lalikulu la chizindikiro linali kulowetsa deta yachinsinsi ya ogwiritsa ntchito ndi deta ya digito yosamveka. Tokenization idayambitsidwa mu 2001 ndi TrustCommerce kuteteza ogwiritsa ntchito ake. ngongole Zambiri.
Dongosolo lomwe TrustCommerce idapanga linali losintha nambala ya akaunti yoyamba(PAN) ya kasitomala ndi nambala yachisawawa yotchedwa chizindikiro. Ogwiritsa atha kupanga malondawo potengera chizindikirochi nthawi zonse.
Tokenization vs Kubisa:
Tokenization ndi Encryption zonse zimagwiritsidwa ntchito poteteza deta. Koma, kodi pali kusiyana kulikonse pakati pa awiriwa? Inde, njira za cryptographic zomwe zimagwiritsidwa ntchito pa deta ndizosiyana pazochitika zilizonse.
Kubisa kumasintha kutalika ndi mtundu wa data womwe umatetezedwa pomwe chizindikiro sichitero. Encryption imatembenuza deta kukhala uthenga wobisika womwe ungathe kusindikizidwa pogwiritsa ntchito kiyi.
Tokenization ndi njira yosasinthika.
Deta ikasinthidwa kukhala deta yachinsinsi, imakhala yosasinthika. Tokenization ndi njira yotsika mtengo komanso yotetezeka kuposa kubisa.
Kodi ntchito yotumizira zizindikiro izi ndi yaulere?
Inde, njira yowonetsera ndi yaulere kwa ogwiritsa ntchito onse. Mutha kugwiritsa ntchito ma tokeni pamakadi aliwonse amtundu uliwonse.
Lamuloli limagwira ntchito pamakadi apakhomo okha; chitsogozochi sichikukhudzabe makadi a mayiko ena.
Koma pali chogwira pano ngati wamalonda sanaphatikizepo tsamba lake latsamba lawebusayiti ndi makhadi/netiweki yakubanki kumapeto kwa Disembala 31, 2021, muyenera kuyika zambiri zamakhadi nthawi iliyonse mukagula ndi wamalonda.
N’chifukwa chiyani kusintha kumeneku kuli kofunika?
Mliri wa COVID-19 wapangitsa kusintha kwakukulu pachuma cha digito. Pokhala ndi makasitomala ochulukirachulukira komanso amalonda omwe akusintha kumalipiro a digito, ndikofunikira kwambiri kuposa kale kulimbitsa chitetezo.
Ndi avareji ya 6 biliyoni zomwe zimachitika mwezi uliwonse, zachinyengo zithanso kukula molingana ngati sizisamalidwa.
Chinyengo chimenechi chikhoza kukhala chiwopsezo chachikulu ku dongosolo lazachuma la dziko lonse. Kuyambira 2019 mpaka 2020, chinyengo pamakhadi chakwera ndi 14% CAGR, pamene zaka zitatu zapitazi zawonjezeka ndi 34%.
Kadi-pa-Fayilo yamakono yamakono sikokwanira chifukwa ikhoza kuthyoledwa mosavuta, ndipo deta ikhoza kubedwa.
Chifukwa chake kuti asamalire zachitetezo, RBI yabwera ndi Tokenization system, yomwe imatsimikizira kuti zambiri zamakasitomala sizingaphwanyidwe ndipo sizingagwiritsidwe ntchito molakwika ndi aliyense.
Kodi zokumana nazo zamakasitomala zidzakhudzidwa?
Osonkhanitsa malipiro a chipani chachitatu akhala ndi vuto la chitetezo m'mbuyomu, zomwe zinapangitsa kuti kubera ndi kutaya deta.
Koma ndi njira yatsopano yowonetsera, kaya mumagwiritsa ntchito khadi pogula m'sitolo kapena pa intaneti, tsatanetsatane wa khadi amasamutsidwa kwa wopereka khadi kapena makina ochezera a khadi, omwe amapanga zizindikiro zogulitsira.
Mwanjira iyi, zambiri za khadi sizingagwiritsidwe ntchito molakwika mwanjira iliyonse.
Zomwe zimachitika kuchokera kumapeto kwa kasitomala zidzakhala chimodzimodzi ndipo sizipanga kusiyana kwakukulu.
Ubwino wa tokenization:
Kutsatira:
Zolipira zonse ziyenera kutsatira PCI DSS (Payment Card Industry Data Security Standard), womwe ndi mulingo wachitetezo.
Tokenization imagwirizana ndi PCI DSS ndikuwonetsetsa kuti muli ndi malonda otetezeka nthawi zonse.
Kuchepetsa Chiwopsezo:
Ngati ndinu mwini bizinesi wa e-commerce ndipo mwasonkhanitsa zambiri za ogwiritsa ntchito. Ngati obera akuphwanya izi, muyenera kutenga udindo wawo. M'malo mwake, tokenization imakuthandizani kuchepetsa chiopsezo, chomwe chili chotetezeka kwa inu ndi makasitomala.
Kukhulupilika kwa Makasitomala ndi kukhulupirirana:
Makasitomala amafuna chitetezo ndi chitetezo ndi zochitika zawo pa intaneti.
Popeza chinyengo cha pa intaneti chikuchulukirachulukira tsiku ndi tsiku, tsopano ndikofunikira kwambiri kupatsa makasitomala zinthu zotetezeka komanso zotetezeka ndikupambana kukhulupirika kwawo. Tokenization imathandizira mabizinesi a e-commerce kuti azitha kudalira makasitomala.
Tokenization imayendetsa zatsopano:
Tokenization imatsegulira njira zatsopano zamakina olipira. Yakhala mwala wapangodya wamalipiro, kaya m'sitolo, pa intaneti, kapena kudzera m'ma wallet am'manja.
Kutsiliza
Tokenization imapatsa mwayi mabizinesi a e-commerce monga kutsata, kuchepetsa ziwopsezo, kukhulupirika kwamakasitomala, ndi kukhulupilira, komanso kumayambitsa zatsopano.
Izi zidzatetezanso ogula aku India ku chinyengo chamakhadi ndikulimbitsa dongosolo la e-commerce kupita patsogolo.
Tiuzeni ngati muli ndi mafunso mu ndemanga pansipa.
Siyani Mumakonda