Tichifunga nezvekuchengetedza, Reserve Bank yeIndia (RBI) yakurudzira dzimwe shanduko pamashandisiro atinoita makadhi echikwereti/echikwereti tichitenga kubva kunzvimbo dze e-commerce.
Kuunza maitiro matsva anonzi 'Tokenization,' Rbi akati maitiro aya achasimbisa chengetedzo nekuchengetedzeka kwedata remakadhi paunenge uchishandisa makadhi zviri nyore sepakutanga.
Zvinoenderana neiyo mitsva yekubhadhara dhijitari nhungamiro, RBI yakabvumira makadhi network / aggregator kupa tokenization masevhisi seToken Service Providers (TSPs).
Zvino iwe unogona kushamisika kuti iyi tokenization maitiro ndeyei uye kuti ichapa sei kuchengetedzeka kwakawanda?
Uye ndiani angabudisa zviratidzo izvi?
Uye isu tinofanirwa kuisa zvese zvekadhi zvakare uye zvakare tichitenga online?
Usanetseke; tiripo kuti tipindure mibvunzo yako yese. Saka svetukira muchinyorwa kuti uzive zvakawanda.
Chii chinonzi chiratidzo?
E-commerce hofori dzakaita seAmazon, Myntra, Flipcart, Bigbasket, nezvimwe, zvinokukumbira kuti uchengetedze ruzivo rwekadhi rako pese paunotenga navo.
Iyo kadhi data senge nhamba yekadhi, zuva rekupera, uye CVV inochengetwa mumadhatabheti emakambani aya.
Asi kana dhatabhesi rikabiwa, zvinounza dambudziko chairo sezvo data rese remakadhi richave nyore kuwanikwa. Asi zvakadini kana paine nzira ine ngozi? Enter Tokenization
Tokenization ndiyo maitiro ekushandura kadhi rako kuita chiratidzo chakasarudzika chakanangana nekadhi rako uye kune mumwe chete mutengesi panguva.
Ichi chakasarudzika chiratidzo chinovanza zvese zvekadhi rako kuti pasave nemunhu anogona kuzvishandisa zvisizvo. Iwe unogona kuchengetedza iyi tokeni pane yepamhepo server uye dzokorora kutengeserana nekungoisa CVV yako usina kuisa kadhi rako zvakare uye zvakare.
Mutemo uyu unotanga kushanda kubva muna Ndira 1, 2022, uye ese e-commerce mawebhusaiti haakwanise kuchengeta kadhi rako ruzivo.
Ko iyi kadhi tokenization inoshanda sei?
Paunenge uchitarisa mune yekutenga online portal, unogona kuisa kadhi rako ruzivo uye wosarudza tokenization.
Mutengesi anotumira chikumbiro chechiratidzo kubhengi rakasiyana kana network yekadhi. Chiratidzo chitsva chakasiyana nekadhi uye mutengesi anogadzirwa uye anodzoserwa kubhengi / kadhi network.
Iwe unogona kuchengetedza chiratidzo ichi chekushandisa mune ramangwana, kureva, pese paunotenga pane portal, unogona kushandisa yakachengetedzwa tokeni sarudzo uye isa CVV yekadhi rako uye wopedzisa kutengeserana.
Uye kana ukasarudza kusashandisa chiratidzo, iwe unozodikanwa kuisa zvese zvekadhi zvakare mune inotevera kutengeserana.
Nhoroondo yeTokenization:
Pfungwa huru yechiratidzo yaive yekutsiva yakavanzika mushandisi data neasina-sensitive dhijitari data. Tokenization yakaunzwa muna 2001 neTrustCommerce kuchengetedza vashandisi vayo '. kadhi ruzivo.
Iyo sisitimu yakagadziridzwa neTrustCommerce yaive yekutsiva iyo yekutanga account nhamba (PAN) yemutengi nenhamba isina kurongeka inonzi chiratidzo. Vashandisi vaigona kuita kutengeserana nekunongedzera kune iyi tokeni nguva dzese.
Tokenization vs Encryption:
Tokenization uye Encryption ese ari maviri anoshandiswa kuchengetedza iyo data. Asi, pane musiyano here pakati pevaviri ava? Ehe, nzira dzecryptographic dzinoshandiswa pane data dzakasiyana mune imwe neimwe kesi.
Encryption inoshandura kureba uye data rudzi rwe data rakachengetedzwa nepo tokenization isingaite. Encryption inoshandura iyo data kuita meseji yakavharidzirwa iyo inogona kudhindwa nekushandisa kiyi.
Tokenization inzira isingadzokerike.
Kana iyo data yashandurwa kuita yakavanzika data, haina-decryptable. Tokenization inodhura-inoshanda uye yakachengeteka sarudzo pane encryption.
Iyi sevhisi yekuratidzira yemahara here?
Ehe, iyo tokenization maitiro ndeyemahara kune vese vashandisi. Iwe unogona kuwana tokeni kune chero nhamba yemakadhi ekutengeserana.
Mutemo unoshanda kumakadhi epamba chete; nhungamiro iyi haisati yavhara makadhi epasi rese.
Asi pane kubata pano kana mutengesi asina kubatanidza webhusaiti yake portal nekadhi/bhangi network pakupera kwaZvita 31, 2021, iwe unofanirwa kuisa ruzivo rwekadhi pese paunotenga nemutengesi.
Nei kuchinja uku kuchidiwa?
Denda reCOVID-19 rakasundira shanduko huru muhupfumi hwedhijitari. Nevazhinji vatengi uye vatengesi vanochinjira kune dhijitari kubhadhara, ikozvino kwakakosha kupfuura nakare kose kuomesa chengetedzo.
Neavhareji ye6 bhiriyoni yekutengeserana inoitika mwedzi wega wega, hutsotsi hunogonawo kukura zvakaenzana kana husina kutarisirwa.
Kubiridzira uku kunogona kukanganisa zvikuru hurongwa hwemari hwenyika yose. Kubva 2019 kusvika 2020, hutsotsi hwemakadhi hwakawedzera ne14% CAGR, nepo mumakore matatu apfuura yakawedzera ne34%.
Ikozvino kadhi-pa-Faira system haina kukwana sezvo inogona kuputswa nyore, uye data inogona kubiwa.
Saka kuti vatarisire zvinonetsa zvekuchengetedza, RBI yauya neTokenization system, iyo inovimbisa kuti ruzivo rwevatengi harutyorwe uye harugone kushandiswa zvisizvo nemunhu chero upi zvake.
Ko ruzivo rwevatengi ruchakanganiswa here?
Vatori vechitatu-bato rekubhadhara vakave nedambudziko rekuchengetedza munguva yakapfuura, izvo zvakakonzera kubira uye kurasikirwa kwedata.
Asi neiyo nyowani tokenization maitiro, kunyangwe iwe uchishandisa kadhi muchitoro kana kutenga online, iyo kadhi data inoendeswa kune anoburitsa kadhi kana kadhi network system, iyo inogadzira tokens yekutengeserana.
Nenzira iyi, ruzivo rwekadhi harugone kushandiswa zvisina kunaka chero mamiriro ezvinhu.
Zvakaitika kubva kumagumo emutengi zvicharamba zvakafanana uye hazvizoiti zvakanyanya mutsauko.
Advative of tokenization:
Kuenderana:
Kubhadhara kwese kunofanirwa kutevedzera PCI DSS (Payment Card Indasitiri Data Security Standard), inova chiyero chekuchengetedza.
Tokenization inoenderana nePCI DSS uye inoita shuwa kuti une yakachengeteka uye yakachengeteka kutengeserana nguva dzese.
Kuderedza njodzi:
Kana iwe uri e-commerce bhizinesi muridzi uye wakaunganidza hombe yedata remushandisi. Kana hackers vakatyora iyi data, iwe unofanirwa kutora mutoro wega pairi. Pane kudaro, tokenization inokubatsira kuderedza njodzi, iyo yakachengeteka iwe nevatengi.
Kuvimbika kwemutengi uye kuvimba:
Vatengi vanoda kuchengetedzeka uye kuchengetedzeka nemabatiro avo epamhepo.
Nehutsotsi hwepamhepo huri kuwedzera zuva nezuva, zvave kutonyanya kukosha kupa vatengi zvinhu zvakachengeteka uye zvakachengeteka uye kuhwina kuvimbika kwavo. Tokenization inobatsira e-commerce mabhizinesi kuvaka kuvimba nevatengi.
Tokenization inofambisa hunyanzvi:
Tokenization inovhura nzira yekuvandudzwa kwepamusoro mubhadharo ecosystem. Rave iro dombo repakona rekubhadhara, kungave muchitoro, online, kana kuburikidza nenharembozha.
mhedziso
Tokenization inopa mabhenefiti e-e-commerce mabhizinesi senge kutevedzera, kudzikisa njodzi, kuvimbika kwevatengi, uye kuvimba, uye zvakare inotyaira hunyanzvi.
Izvi zvichawedzera kuchengetedza vatengi veIndia kubva kuhutsotsi hwemakadhi uye kusimbisa e-commerce system inofambira mberi.
Tizivise kana uine mibvunzo mune zvakataurwa pazasi.
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