Uma kubhekwa izinkinga zokuphepha, i-Reserve Bank of India(RBI) iphakamise izinguquko endleleni esisebenzisa ngayo amakhadi edebhithi/esikweletu ngenkathi sithenga kumasayithi e-e-commerce.
Sethula inqubo entsha ebizwa nge-'Tokenization,' u-Rbi uthe le nqubo izoqinisa ukuphepha nokuvikeleka kwedatha yekhadi ngenkathi usebenzisa amakhadi kalula njengaphambilini.
Ngokusho kwemihlahlandlela emisha yokukhokha yedijithali, i-RBI ivumele amanethiwekhi/ama-aggregator amakhadi ukuthi anikeze izinsiza zamathokheni njengabahlinzeki besevisi yethokheni (TSPs).
Manje ungase uzibuze ukuthi iyini le nqubo yokwenza amathokheni nokuthi izohlinzeka kanjani ngokuphepha okwengeziwe?
Futhi ubani ongakhipha la mathokheni?
Futhi ingabe kufanele sifake yonke imininingwane yekhadi ngokuphindaphindiwe ngenkathi sithenga ku-inthanethi?
Ungakhathazeki; sikhona ukuphendula yonke imibuzo yakho. Ngakho gxuma ungene esihlokweni ukuze wazi okwengeziwe.
Iyini i-tokenization?
Iziqhwaga ze-E-commerce ezifana ne-Amazon, Myntra, Flipcart, Bigbasket, njll., zikucela ukuthi ulondoloze imininingwane yekhadi lakho njalo uma uthenga ngazo.
Idatha yekhadi njengenombolo yekhadi, idethi yokuphelelwa yisikhathi, ne-CVV igcinwa kusizindalwazi salezi zinkampani.
Kodwa uma izingosi zolwazi zigetshengwa, kubangela inkinga yangempela njengoba yonke idatha yekhadi izotholakala kalula. Kodwa kuthiwani uma kunendlela ephephile? Faka i-Tokenization
Ukwenza amathokheni kuyinqubo yokuguqula imininingwane yekhadi lakho ibe ithokheni eyingqayizivele eqondiswe ekhadini lakho futhi ibe ngumthengisi oyedwa kuphela ngesikhathi.
Le tokheni eyingqayizivele ifihla yonke imininingwane yekhadi lakho ukuze kungabikho muntu ongayisebenzisa kabi. Ungagcina leli thokheni kuseva ye-inthanethi futhi wenze ukuthengiselana okuphindaphindiwe ngokufaka i-CVV yakho ngaphandle kokufaka imininingwane yekhadi lakho kaningi.
Lo mthetho uqala ukusebenza kusukela ngoJanuwari 1, 2022, futhi wonke amawebhusayithi e-e-commerce awakwazi ukugcina imininingwane yekhadi lakho.
Isebenza kanjani le tokenization yekhadi?
Uma uphuma kuphothali yokuthenga ku-inthanethi, ungafaka imininingwane yekhadi lakho bese ukhetha ukwenza amathokheni.
Umthengisi uzodlulisela isicelo sethokheni ebhange elifanele noma inethiwekhi yekhadi. Ithokheni entsha eyingqayizivele ekhadini futhi umthengisi uyakhiqizwa futhi abuyiselwe kunethiwekhi yebhange/yekhadi.
Ungagcina leli thokheni ukuze ulisebenzise esikhathini esizayo, okungukuthi, noma nini lapho uthenga kuphothali, ungasebenzisa inketho yethokheni egciniwe bese ufaka i-CVV yekhadi lakho bese uqedela ukuthengiselana.
Futhi uma ukhetha ukungasebenzisi ithokheni, uzodingeka ukuthi ufake yonke imininingwane yekhadi futhi ekwenziweni okulandelayo.
Umlando we-Tokenization:
Umqondo oyinhloko wethokheni kwakuwukushintsha idatha yomsebenzisi ebucayi ngedatha yedijithali engazweli. I-Tokenization yethulwa ngo-2001 yi-TrustCommerce ukuze ivikele abasebenzisi bayo. credit card ulwazi.
Isistimu eyakhiwe yi-TrustCommerce bekuwukungena esikhundleni senombolo ye-akhawunti eyinhloko(PAN) yekhasimende ngenombolo engahleliwe ebizwa ngokuthi ithokheni. Abasebenzisi bangenza umsebenzi ngokubhekisela kule tokheni ngaso sonke isikhathi.
Ukwenza Ithokheni vs Ukubethela:
Ukwenza amathokheni kanye Nokubethela kokubili kusetshenziselwa ukuvikela idatha. Kodwa, ingabe ukhona umehluko phakathi kwabo bobabili? Yebo, izindlela ze-cryptographic ezisetshenziswa kudatha zihlukile esimweni ngasinye.
Ukubethela kushintsha ubude nohlobo lwedatha yedatha evikelekile kuyilapho ukwenziwa kwamathokheni kungavikelekile. Ukubethela kuguqula idatha ibe umlayezo obethelwe ongaqoshwa kusetshenziswa ukhiye.
Ukwenza amathokheni kuyinqubo engenakuhlehliswa.
Uma idatha isiguqulelwe kudatha eyimfihlo, ayiguquleki. Ukwenza amathokheni kuyindlela engabizi futhi evikeleke kakhulu kunokubethela.
Ingabe le sevisi yamathokheni imahhala?
Yebo, inqubo yokwenza amathokheni imahhala kubo bonke abasebenzisi. Ungathola amathokheni kunoma iyiphi inombolo yamakhadi wokuthengiselana.
Umthetho usebenza kumakhadi asekhaya kuphela; lo mhlahlandlela awukawafaki amakhadi amazwe ngamazwe.
Kodwa kukhona okubambekayo lapha uma umthengisi engahlanganisanga ingosi yakhe yewebhusayithi nenethiwekhi yekhadi/yebhange ekupheleni kukaDisemba 31, 2021, kuzodingeka ukuthi ufake imininingwane yekhadi njalo uma uthenga nomthengisi.
Kungani lezi zinguquko zidingeka?
Umqedazwe we-COVID-19 wenze izinguquko ezinkulu emnothweni wedijithali. Njengoba amakhasimende amaningi nabathengisi bevumelana nezinkokhelo zedijithali, manje kubaluleke kakhulu kunangaphambili ukuqinisa ezokuphepha.
Ngokwesilinganiso samabhiliyoni ayi-6 okwenziwayo okwenzeka njalo ngenyanga, ukukhwabanisa nakho kungakhula ngokulinganayo uma kungenakunakekelwa.
Lokhu kukhwabanisa kungaba yingozi enkulu ohlelweni lwezezimali lwezwe lonke. Kusukela ngo-2019 kuya ku-2020, ukukhwabanisa kwamakhadi kukhuphuke ngo-14% I-CAGR, kuyilapho eminyakeni emithathu edlule inyuke ngo-34%.
Uhlelo lwamanje lwekhadi-on-File alwanele njengoba lungaphulwa kalula, futhi idatha ingantshontshwa.
Ngakho-ke ukuze kubhekwane nokukhathazeka kwezokuphepha, i-RBI iqhamuke nohlelo lwe-Tokenization, oluqinisekisa ukuthi imininingwane yamakhasimende ayinakuphulwa futhi ayikwazi ukusetshenziswa kabi yinoma ubani.
Ingabe okuhlangenwe nakho kwamakhasimende kuzothinteka?
Abahlanganisi bezinkokhelo zezinkampani zangaphandle babe nenkinga yokuphepha esikhathini esidlule, okuholele ekugetshengeni nasekulahlekeni kwedatha.
Kodwa ngenqubo entsha yokwenza amathokheni, kungakhathaliseki ukuthi usebenzisa ikhadi ekuthengeni esitolo noma ku-inthanethi, imininingwane yekhadi idluliselwa kumkhiphi wekhadi noma uhlelo lwenethiwekhi yekhadi, elikhiqiza amathokheni okwenziwayo.
Ngale ndlela, imininingwane yekhadi ayikwazi ukusetshenziswa kabi ngaphansi kwanoma yiziphi izimo.
Okuhlangenwe nakho okuvela ekugcineni kwekhasimende kuzohlala kunjalo futhi ngeke kwenze mehluko omkhulu.
Inzuzo yokwenza amathokheni:
Ukuhambisana:
Zonke izinkokhelo kufanele zilandele i-PCI DSS(Payment Card Industry Data Security Standard), okuyizinga lokuphepha.
Ukwenziwa kwamathokheni kuhambisana ne-PCI DSS futhi kuqinisekisa ukuthi unokuthenga okuphephile nokuvikelekile ngaso sonke isikhathi.
Ukunciphisa Ubungozi:
Uma ungumnikazi webhizinisi le-e-commerce futhi uqoqe inani elikhulu ledatha yomsebenzisi. Uma izigebengu zephula le datha, kufanele uzibophezele ngakho. Esikhundleni salokho, ukwenza amathokheni kukusiza ukuthi unciphise ubungozi, okuphephile kuwe nakumakhasimende.
Ukwethembeka nokwethenjwa kwekhasimende:
Amakhasimende afuna ukuphepha nokuphepha ngemisebenzi yawo eku-inthanethi.
Ngokukhwabanisa okuku-inthanethi okwandayo usuku nosuku, manje kubaluleke kakhulu ukuhlinzeka amakhasimende ngemisebenzi ephephile nevikelekile futhi uzuze ukwethembeka kwawo. Ukwenza amathokheni kusiza amabhizinisi e-e-commerce akhe ukwethembana namakhasimende.
I-Tokenization ishayela ukuqamba okusha:
Ukwenziwa kwamathokheni kuvula indlela yokusungula izinto ezithuthukile ku-ecosystem yokukhokha. Sekuyinsika yezinkokhelo, kungaba kusesitolo, ku-inthanethi, noma ngamawallet eselula.
Isiphetho
Ukwenza amathokheni kunikeza izinzuzo ezibalulekile emabhizinisini e-e-commerce njengokuthobela, ukunciphisa ubungozi, ukwethembeka kwamakhasimende, nokwethemba, futhi kuphinde kuqhubekisele phambili nokuqamba izinto ezintsha.
Lokhu kuzophinde kuvikele abathengi baseNdiya ekukhwabaniseni amakhadi futhi kuqinise uhlelo lwe-e-commerce oluqhubekela phambili.
Sazise uma unemibuzo kumazwana angezansi.
shiya impendulo