Ngenxa yeenkxalabo zokhuseleko, iBhanki enguVimba yaseIndiya (RBI) indulule utshintsho oluthile kwindlela esiwasebenzisa ngayo amakhadi ebhanki/ngetyala ngelixa sithenga kwiindawo zorhwebo lwe-e-commerce.
Ukwazisa inkqubo entsha ebizwa ngokuba yi-'Tokenization,' uRbi uthe le nkqubo iya kuqinisa ukhuseleko kunye nokhuseleko lwedatha yekhadi ngelixa usebenzisa amakhadi ngokufanelekileyo njengangaphambili.
Ngokwemigaqo emitsha yeentlawulo zedijithali, i-RBI ivumele uthungelwano lwekhadi / i-aggregators ukuba inikezele ngeenkonzo ze-tokenization njengababoneleli beNkonzo yeToken (TSPs).
Ngoku unokuzibuza ukuba yintoni le nkqubo yokwenza uphawu kwaye iya kubonelela njani ukhuseleko olungakumbi?
Yaye ngubani na onokukhupha ezi mpawu?
Kwaye ngaba kufuneka sifake zonke iinkcukacha zekhadi ngokuphindaphindiweyo ngelixa sithenga kwi-intanethi?
Ungaxhalabi; silapha ukuphendula yonke imibuzo yakho. Ngoko tsibela ngqo kwinqaku ukuze wazi ngakumbi.
Yintoni ithokheni?
Izigebenga ze-E-commerce ezifana neAmazon, Myntra, Flipcart, Bigbasket, njl., zikucela ukuba ugcine iinkcukacha zekhadi lakho ngalo lonke ixesha uthenga ngazo.
Idatha yekhadi njengenombolo yekhadi, umhla wokuphelelwa kwayo, kunye neCVV zigcinwa koovimba beenkcukacha zezi nkampani.
Kodwa ukuba i-database igqekeziwe, ibeka ingxaki yokwenyani njengoko yonke idatha yekhadi iya kufikeleleka ngokulula. Kodwa kuthekani ukuba kukho indlela ekhuselekileyo? Faka iTokenization
I-Tokenization yinkqubo yokuguqula iinkcukacha zekhadi lakho kwithokheni eyodwa echanekileyo kwikhadi lakho kunye nomrhwebi omnye kuphela ngexesha.
Lo mqondiso wahlukileyo ufihla zonke iinkcukacha zekhadi lakho ukuze kungabikho mntu unokuzisebenzisa kakubi. Ungagcina lo mqondiso kwiseva ye-intanethi kwaye wenze utshintshiselwano oluphindaphindiweyo ngokufaka i-CVV yakho ngaphandle kokufaka iinkcukacha zekhadi lakho kwakhona kwaye kwakhona.
Lo mthetho uqala ukusebenza ukusuka nge-1 kaJanuwari 2022, kwaye zonke iiwebhusayithi zorhwebo ze-e-commerce azikwazi ukugcina iinkcukacha zekhadi lakho.
Ingaba eli khadi tokenization isebenza njani?
Xa ujonga kwi-portal yokuthenga kwi-intanethi, ungafaka iinkcukacha zekhadi lakho kwaye ukhethe ukwenza uphawu.
Umrhwebi uya kudlulisela isicelo somqondiso kwibhanki okanye kwinethiwekhi yekhadi. Ithokheni entsha ekhethekileyo kwikhadi kwaye umrhwebi wenziwa aze abuyiselwe kwinethiwekhi yebhanki / yekhadi.
Ungagcina lo mqondiso ukwenzela ukusetyenziswa kwixesha elizayo, oko kukuthi, nanini na uthenga kwi-portal, ungasebenzisa ithokheni egciniweyo ukhetho kwaye ufake i-CVV yekhadi lakho kwaye ugcwalise intengiselwano.
Kwaye ukuba ukhetha ukungasebenzisi uphawu, uya kufuneka ukuba ufake zonke iinkcukacha zekhadi kwakhona kwintengiselwano elandelayo.
Imbali yeTokenization:
Ingcamango ephambili yophawu yayikukutshintsha idatha yomsebenzisi enovakalelo kunye nedatha yedijithali engabonakaliyo. ITokenization yaziswa ngo-2001 yiTrustCommerce ukukhusela abasebenzisi bayo. ikhadi lamatyala Ulwazi.
Inkqubo eyaphuhliswa yi-TrustCommerce yayikukutshintsha inombolo ye-akhawunti engundoqo (PAN) yomthengi kunye nenombolo engakhethiyo ebizwa ngokuba yi-token. Abasebenzisi banokwenza intengiselwano ngokubhekisa kulo mqondiso ngalo lonke ixesha.
Ukwenziwa kweMbonakaliso vs Uguqulelo oluntsonkothileyo:
I-Tokenization kunye ne-Encryption zombini zisetyenziselwa ukukhusela idatha. Kodwa ngaba kukho umahluko phakathi kwabo bobabini? Ewe, iindlela ze-cryptographic ezisetyenziswe kwidatha zahlukile kwimeko nganye.
Uguqulelo oluntsonkothileyo ubude kunye nohlobo lwedatha yedatha ekhuselweyo ngelixa i-tokenization ingenzi. Uguqulelo oluntsonkothileyo luguqulela idatha ibe ngumyalezo ofihliweyo onokucaciswa ngokusetyenziswa kweqhosha.
I-Tokenization yinkqubo engenakuguqulwa.
Nje ukuba idatha iguqulelwe kwidatha eyimfihlo, ayinakuchazwa. I-Tokenization yindleko esebenzayo kwaye ikhuseleke ngakumbi kune-encryption.
Ngaba le nkonzo uphawu simahla?
Ewe, inkqubo ye-tokenization isimahla kubo bonke abasebenzisi. Unokufumana iithokheni zalo naliphi na inani lamakhadi okuthengiselana.
Umgaqo usebenza kumakhadi asekhaya kuphela; esi sikhokelo asikabikho amakhadi aphesheya.
Kodwa kukho ukubanjiswa apha ukuba umrhwebi akadibanisanga iwebhusayithi yakhe yewebhusayithi kunye nekhadi/inethiwekhi yebhanki ekupheleni kwe-31 kaDisemba, 2021, kuya kufuneka ufake iinkcukacha zekhadi ngalo lonke ixesha uthenga nomrhwebi.
Kutheni le nto olu tshintsho luyimfuneko?
Ubhubhani we-COVID-19 utyhale utshintsho olukhulu kuqoqosho lwedijithali. Ngabathengi abaninzi kunye nabarhwebi abaziqhelanisa neentlawulo zedijithali, ngoku kubaluleke kakhulu kunangaphambili ukuqinisa ukhuseleko.
Ngomndilili weebhiliyoni ezi-6 zentengiselwano ezenzeka rhoqo ngenyanga, ubuqhetseba bunokukhula ngokomlinganiselo ukuba abukhathalelwa.
Obu buqhetseba bunokuba sisisongelo esikhulu kwinkqubo yezemali yelizwe lonke. Ukusukela ngo-2019 ukuya ku-2020, ubuqhetseba bamakhadi bunyuke nge-14% CAGR, ngelixa kule minyaka mithathu idlulileyo iye yanda ngama-34%.
Inkqubo yangoku yekhadi-kwiFayile ayanelanga njengoko inokuphulwa lula, kwaye idatha inokubiwa.
Ngoko ukunyamekela iinkxalabo zokhuseleko, i-RBI iye yaza nenkqubo ye-Tokenization, eqinisekisa ukuba iinkcukacha zabathengi azikwazi ukuphulwa kwaye azinakusetyenziswa kakubi nabani na.
Ngaba amava omthengi aya kuchaphazeleka?
I-aggregators yentlawulo ye-third party ibe nengxaki yokhuseleko kwixesha elidlulileyo, nto leyo eyakhokelela ekuqhekezweni kunye nokulahleka kwedatha.
Kodwa ngenkqubo entsha ye-tokenization, nokuba usebenzisa ikhadi ekuthengeni kwivenkile okanye kwi-intanethi, iinkcukacha zekhadi zidluliselwa kumniki wekhadi okanye inkqubo yenethiwekhi yekhadi, eyenza iithokheni zokuthengiselana.
Ngale ndlela, iinkcukacha zekhadi azikwazi ukusetyenziswa kakubi phantsi kwazo naziphi na iimeko.
Amava avela ekupheleni komthengi aya kuhlala enjalo kwaye akayi kwenza umahluko omkhulu.
I-advanteji ye-tokenization:
Ukuthobela:
Zonke iintlawulo kufuneka zilandele i-PCI DSS(Ikhadi leNtlawulo yoMgangatho woKhuseleko lweDatha yoShishino), ekumgangatho wokhuseleko.
I-Tokenization ihambelana ne-PCI DSS kwaye iqinisekisa ukuba unentengiselwano ekhuselekileyo nekhuselekileyo rhoqo.
Ukunciphisa umngcipheko:
Ukuba ungumnikazi weshishini le-e-commerce kwaye uqokelele isixa esikhulu sedatha yomsebenzisi. Ukuba abahlaseli baphula le datha, kufuneka uthathe uxanduva kuyo. Endaweni yoko, i-tokenization ikunceda ukuba unciphise umngcipheko, okhuselekileyo kuwe nakubathengi.
Ukunyaniseka nokuthembeka kwabathengi:
Abathengi bafuna ukhuseleko kunye nokhuseleko ngeentengiselwano zabo ze-intanethi.
Ngobuqhophololo be-intanethi obukhulayo imihla ngemihla, kubaluleke kakhulu ngoku ukubonelela abathengi ngeentengiselwano ezikhuselekileyo nezikhuselekileyo kwaye baphumelele ukunyaniseka kwabo. I-Tokenization inceda amashishini e-e-commerce akhe ukuthembela kubathengi.
I-Tokenization iqhuba inguqulelo:
I-Tokenization ivula indlela yezinto ezintsha eziphambili kwi-ecosystem yentlawulo. Iye yaba lilitye lembombo kwiintlawulo, nokuba kusevenkileni, kwi-intanethi, okanye ngeewallet eziphathwayo.
isiphelo
I-Tokenization inika izibonelelo ezibalaseleyo kumashishini e-e-commerce njengokuthotyelwa, ukunciphisa umngcipheko, ukunyaniseka kwabathengi, kunye nokuthembela, kwaye ikwaqhuba izinto ezintsha.
Oku kuya kukhusela ngakumbi abathengi baseIndiya kubuqhophololo bamakhadi kwaye komeleze inkqubo ye-e-commerce ukuya phambili.
Sazise ukuba unayo nayiphi na imibuzo kwizimvo ezingezantsi.
Shiya iMpendulo