Musiyano uripo pakati peVisa neMastercard

Iri ibasa rako rekutanga mukuwedzera kugadzirisa account yekubhadhara, chingavewo zano rakanaka kwazvo kuva nekadhi rechikwereti, unopedza maitiro uye unozviwana uri paforogo MasterCard kana Visa zvirinani here? Uchifunga kuti inguva yako yekutanga mune izvi zviviri zveasarudzo kugadzirisa kadhi, ndeipi yaunofanira kusarudza? Uye kunyangwe kune avo vasiri vatsva kumusoro wenyaya

Zvinorevei kuve neVisa kana Mastercard? Ichokwadi here? Uye ndeapi chaizvo mutsauko wavo wakakosha? Pano tinojekesa zvese kwauri!

Chii chinonzi Visa kana Mastercard

Tanto Visa neMastercard mazita maviri anozivikanwa epasirese, kunyanya pakubhadhara. Izvi zvinoenderana nechikwereti chako kana kiredhiti kadhi, asi kazhinji hauzive kuti imwe inorevei kana kuti iri nani kupfuura imwe.

Chinhu chekutanga chaunofanirwa kuziva nezvazvo ndechekuti ese Visa neMastercard ndizvo tech network, kwete chaizvo mabhangi. Ivo vanoona kuti iwe unogona kushandisa yako debit kana kiredhiti kadhi, zvese muSpain uye mune rese repasirese. Mune mamwe mazwi, vanoita sevamiririri kuitira kuti kubhadhara kuitwe, zvichibva pamamiriro ezvinhu akagadzwa muchibvumirano pakati pemutengi nebhangi.

Uchishandisa Visa kana Mastercard izvo zvinokutendera iwe kuti ugone kushanda muzvitoro mune anopfuura mazana maviri nyika dzakasiyana, uye mumabhizinesi mazhinji, ingave inishuwarenzi yetsaona, rubatsiro rwekurapa, kukwidziridzwa kwakakosha, nezvimwe.

Ndeupi musiyano uripo pakati peVisa kana Mastercard kadhi

Kana tikakubvunza iwe zvakananga ndeupi musiyano uripo pakati pekadhi reVisa uye kadhi reMasterCard, ungangodaro wataura kuti akafanana. Asi chaizvo hazvisi izvo. Chimwe nechimwe chazvo chine "zvakasarudzika" zvisingazivikanwe nevazhinji nezvazvo.

Kunyanya, isu tinotaura nezve zvinotevera:

• Makomborero chirongwa. Panyaya yeVisa, chirongwa ichi chakavakirwa pamitero, zvinoenderana nenyika yega yega pamwe nekushandisa iyo, semutengi, iwe yaunopa kadhi. Kune iro chikamu, ne MasterCard iyo mibairo yakavakirwa chete pane yega nyika, asi zvakare inokupa iwe yekuwedzera uye ndiko kuti, kana iwe ukashandisa mamwe mabrandi kana makambani, iwe unowana madhora.
• Kubvuma. Kadhi reVisa rinotambirwa muzvitoro zvinopfuura mamirioni makumi matatu uye munyika zana nemakumi manomwe. Muchiitiko che MasterCard, inogamuchirwa zvishoma, makumi maviri nemana emamiriyoni. Asi mukudzoka, inogamuchirwa mune dzimwe nyika, 30.
• ATM Pano zvakare pane musiyano wakajeka pakati pezviviri. Ipo Visa iine anopfuura anopfuura mamirioni 2,1 maATM; MasterCard inomhanya chete pamiriyoni.

Muchidimbu, tiri kutaura nezvemakadhi maviri akafanana, rimwe nerimwe riine hunhu hwaro, rakafanana chaizvo kune mumwe. Kunyangwe ivo vakafanana, ivo vanosiyana mune zvimwe zvinhu izvo chaizvo zvinovasiyanisa pakati pavo. Asi kana zvasvika pakuzvishandisa, zvakafanana, uye maererano nemamiriro ezvinhu anopiwa nemabhangi kwavari, haana kusiyana zvakakwana kuti vaone mutsauko mukuru kupfuura iwo wakurukurwa nenzira yakajairika.

Ngatitaurei nezve Visa

Iyo indasitiri yemabasa emari, ine yakavhurika capital, yakavambwa mu1970 naDee Hock muSan Francisco, California United States. Zvigadzirwa zvaro zvikuru madhidhi, chikwereti uye makadhi echikwama. Izvi zvinoenderana neDow Jones Industrial Avhareji, inova imwe yemastock indices akagadzirwa naCharles Henry Dow, basa hombe reiyi stock index kuyera mashandiro emakambani makuru makumi matatu akanyorwa pamusika wemasheya weUnited States. Kubva kuAmerica .

Kuva kiredhiti uye kiredhiti kadhi nekushanda kwepasirese, mashandiro ayo anowanikwa kune "Visa International Service Kubatanidzwa", ine dzimbahwe repamutemo muSan Francisco, California muUnited States. Iyo inozivikanwa nekuve mubatanidzwa wekudyidzana kweanopfuura zviuru makumi maviri emari masangano ayo parizvino anopa zvigadzirwa zvevisa.

Chii chinonzi Joint Venture?

Izvo zvinobva kune anglicized joint venture iyo inoshandura se "njodzi dzakagovaniswa", mukurohwa kukuru tinogona kunzwisisa kuti ingori fungidziro yenjodzi huru, asi inopfuura ipapo. Izwi iri rinozivikanwawo se "Joint Venture" .Inogona kuve imwe kana akawanda makambani anoita mubatanidzwa wezvakanaka zvebhizimusi zvinangwa. Isangano rebhizinesi, musangano iri vanobatsirana vanogovana nenjodzi zvine chekuita neguta uye mabhenefiti zvinoenderana nemitero yakabvumiranwa.

Visa yakamisikidzwa seimwe yemhando dzepasi rose dzinotungamira. Visa inogadzira yakakwira vhoriyamu yekutengesa gore rega, inoverengera anopfuura 2 trillion emadhora. Zvino mushure mekutaura nezve madhora neAmerica, Zvinorevei Visa kuSpain? MuEurope mune makadhi echikwereti anodarika mazana maviri nemakumi masere, Visa debit, ine mwero wepamusoro wekugamuchirwa padanho rezvemaindasitiri nepasirese. Muna 280 moga, zvigadzirwa zveVisa zvakashandiswa kuita zvemagetsi zvemari zvinosvika ingangoita € 2005 tiririyoni.

Visa inomira zvakanyanya pasi rese nekuda kwenzvimbo yayo inotungamira muindasitiri yepasi rese yenzira dzekubhadhara uye huwandu hwayo hwenhengo (masangano emari) anoomerera pairi (anopfuura zviuru makumi maviri).

Visa inotipa inotungamira uye yekucheka-kumucheto zvigadzirwa, kuve kuchengetedzeka uye kurerukirwa kwekutarisira mari yedu, kutenga uye kufamba kwemari, chigadzirwa chikuru chakatsaurwa neVisa. Unogona kubvunza zvimwe nezve Visa pane yayo yepamutemo peji: https://www.visa.com.es/

Ngatitaurei nezve Mastercard

Mastercard idhorobha rakashama uye indasitiri yemabasa emari Iyo yakavambwa mu1966 nemuzinda muNew York, United States.

Kuve mucherechedzo wechikwereti uye makadhi ekubhengi. Izvi zvakatanga kugadzirwa neUnited Bank yeCalifornia, kunyangwe izvi, zvine hungwaru nemusika zvinangwa, zvakabatana nemamwe masangano ekubhengi akadai seFirst Interstate Bank, California First Bank, Wells Fargo & Co uye Crocker National Bank. Nekudaro kugadzira Mastercard kambani yeruzhinji yakashomeka yakanyorwa pane iyo New York Stock Exchange.

Nezve PayPass

Una chitsva chekubhadhara chinopihwa neMastercard, zvichibva pa ISO 14443 ndiyo yepamutemo chiyero chinopa makadhi nenzira iri nyore yekubhadhara, izvi zvinogoneswa nekushandisa kwefoni kana kiyi yeFOB. kana muverengi wekupedzisira panzvimbo yekutengesa.

Kubva 2005, Mastercard yakashandisa PayPass kana Payment Pass mune mimwe misika.

Muna 2005, Mastercard yakatanga kushandisa masevhisi kunze kwePayPass mune mimwe misika. Kutanga kubva muna Chikunguru 2007, anotevera masangano ezvemari akaburitsa iyo Mastercard yekubhadhara pasiti:

• JPMorgan Chase.
• Kay Bank.
• Commonwealth Bank, Banco Garanti
• Montreal Bank
• Citizens Bank uye Charter Rimwe Bhangi.
• Citibank
• Bhanga reAmerica.

Pakati pevamwe

BankNet., inoshandiswa na MasterCard, inharembozha inobatanidza zvese zvikwereti, makadhi ekubhengi, kutenga, MasterCard process nzvimbo nenzvimbo dzekuvhiya muSt. Louis, Missouri, United States. Iyi interface yakatsiviwa neiyo brand zvakare inoshandiswa ne MasterCard

MasterCard uye Visa zvine musiyano wakakura Sezvo iyo Visa system yakavakirwa paNetwork network, iyo mhedzisiro mapoinzi inoguma munzvimbo dze data, mune ino yepakati zvese zviitiko zvinoitwa. Ipo Mastercard ichishandisa iyo peer-to-peer modhi umo zvese zvainoita zvinomiswa kumagumo. Musiyano uyu unoita iyo Mastercard system iwedzere kuramba, kana paine kukundikana pane imwe nzvimbo yekupedzisira, inoramba yakasarudzika uye isingakanganise iyo system izere kana chidimbu chakakura, inongogumira kune imwe nzvimbo yekupedzisira isina kukanganisa vamwe.

Ndezvipi zviri nani, Visa kana Mastercard

Zvino, ndeipi yakanakira iwe? Visa iri nani here? Pamwe MasterCard? Mhinduro yacho yakaoma. Muchokwadi, isu hatigone kukuudza kuti imwe iri nani pane imwe nekuti zvese zvinoenderana zvakanyanya nekushandisa iwe kwaunoda kuzvipa, pane yako mbiri semutengi.

Kusarudza imwe kana iyo imwe ichave inoonekwa nekuziva izvo zvinokurudzirwa nemumwe nemumwe, pamwe nekuziva zvaunoda. Semuenzaniso, kana uchifanira kushanda munyika dzinoverengeka, unofanirwa kuziva kana kadhi racho richigamuchirwa mune dzese, nekuti, sezvataona, Visa haigashirwe munyika dzakawanda seMastercard (uyezve izvi hazviite kuva nemaATM akawanda ekushanda naye).

Nekudaro, iyo yekupedzisira sarudzo inofanirwa kufungisisa pamusoro. Iwe unofanirwa kuisa patafura mashandisiro aungazopa iyo, asiwo hunhu hwekadhi rega rega uye kukwidziridzwa kwainako, maererano nemakomisheni, chimbadzo uye zvimwe zvinhu zvinogona kuita kuti iwe usarudze imwe kana imwe.

Munyika, ndiko kuti, kuSpain, ese ari maviri akanaka, uye mamiriro avanopa akafanana chaizvo kune mumwe nemumwe, saka paisazove nedambudziko rakakura mukusarudza. Pamwe paunogona kusahadzika zvakanyanya ndipo paunoita mashandiro kunze kwenyika, izvo zvatichataura nezvazvo pazasi.

Ndeupi mutsauko uripo pakati peVisa neMastercard?

Munguva zhinji, mushandisi muSpain anonyanya kufarira mubazi rezvemari iro rinopa kadhi, kungava chikwereti, dhititi kana chikwama chemagetsi, izvi nekuti kune zvakawanda zvinopihwa, kukwidziridzwa uye mapoinzi akanaka sekuti sevatengi vanotiita kuti tisarudze rimwe bhangi pane rimwe. Uye nekushambadzirwa kwakanyanya maererano neVisa uye Mastercard, mutengi anopedzisira ava kuvhiringidzika maererano nezvakanakira nekuipira izvo izvi zvinowana kana uchinge wagamuchira kadhi rakaburitswa mune imwe yeaya maviri maitiro ekugadzirisa ekubhadhara.

Visa uye MasterCard, ese ari maviri echikwereti uye echikwereti kadhi ekubhadhara ma processor inonyanyo kuzivikanwa uye inoshandiswa pasirese kubva 2010, zvichibva pamatanho ekutenderera e kiredhiti uye makadhi ekubhengi yeaya maindasitiri. Visa neMasterCard sezviri pachena vanopa sevhisi imwechete (kiredhiti / kiredhiti kadhi kubhadhara maitiro) asi vape mabhenefiti akasiyana uye maficha kuitira kukwezva mamwe mabhangi nevatengi (kiredhiti, madhibhiti uye e-wallet vashandisi) kune avo mabhenji.

Chimwe chinhu chakakosha iwe chaunofanira kufunga nezvacho semushandisi kana muridzi wemakadhi ndechekuti Visa uye MasterCard haasi mabhanga, chigadzirwa chavanokosheswa nacho mune zvemari nyika iyo tekinoroji Ndiani asina kunzwa kusagadzikana kana achibhadhara chigadzirwa kana sevhisi painternet? Vari kundibvisa here? Izvi zvichave zvakachengeteka here? Sei uchibvunza nhamba yangu yekadhi kakawanda kudaro? Ndinoziva sei kuti peji yandiri iri rakachengeteka? Asi usazvidya moyo, makambani ese ari maviri akachengeteka, ivo vanotora zvakanyanya nyaya yekuchengetedzwa uye kuvanzika. Kunyangwe mukutenga kwepamhepo, mapuratifomu ese ari maviri anotsigira zvakachengeteka mamwe marudzi emapeji uye unogona kutarisa kuti vane chisimbiso chekuchengetedzwa kweimwe yeaya maviri, ingave Visa kana MasterCard.

Uye zvakare, kune zvimwe zvaunofanira kufunga nezvazvo:

• Kupararira kwepasirese munzvimbo dzenzvimbo Visa inogamuchirwa munzvimbo dzekutengesa mamirioni makumi matatu pasirese, nepo MasterCard iri munzvimbo dzinopfuura mamirioni makumi maviri nemana pasirese. Kwete zvachose kana tikazviongorora neinotevera.
• Kufukidzwa kwepasirese. Visa inogamuchirwa munyika zana nemakumi manomwe apo MasterCard inogamuchirwa munyika mazana maviri negumi. Kana iwe ukafamba kune dzakawanda dzenyika idzi dzisingagamuchire Visa, unogona kusarudza kugara neMasterCard, kana iwe uine basa muguta rako uye usingawanzo kufamba zvakanyanya kana kuva nezveramangwana zvirongwa zvekuenda kunze kwenyika, zvingave zviri nani kwauri kugara neVisa uye huwandu hwayo hukuru hwezvivakwa zviripo.
• Kushanda uye maATM. Visa inotungamira nzira nekushanda anodarika mamirioni maviri emaAT pasi rese, MasterCard inoshanda chete miriyoni imwe chete maATM pasi rose. Kubatsira kana kusagadzikana kunoenderana zvakare nemushandisi, ndirini pawakapedzisira kubvisa mari Unoita kangani kutenga paInternet? Zvakakosha here kuenda kumubatsiri? Ngatiyeukei kuti ramangwana remusika iE-Commerce, saka zvitoro zvakawanda zvezvinhu nemasevhisi zvinochaja kadhi rako chairo, asi pamwe izvo zvitoro zvezvinhu nemasevhisi ayo imi mose munopinda semutengi haasvike panzvimbo yako, kukosha kwacho nyore kuita.
• Iwe unofarira zvechokwadi. Visa ine sevhisi inonzi Verified neVisa iyo inoshandisa password yakatsanangurwa panguva yaunotenga pamhepo kubva kune rimwe remabhizimusi nemasangano akabatana neVisa. MasterCard inoshandisa MasterCard Yakachengeteka Code, inova password yakazara inogadzirwa kana iwe uchida kutenga pamhepo nevatengesi nenzvimbo dzakabatana neMasterCard. Vaviri vari kutungamira nzira mumakwikwi aya, iri nyaya inonakidza ye MasterCard yayo data processing system, sezvo Visa inoshandisa nyeredzi kugadzirisa uye izvo zvinoita kuti mapoinzi akawandisa ekuburitsa dhata anogona kutambura kurwisa zvakanyanya, izvi hazviratidze kuti MasterCard inofuratira izvi zvinorwisa kana poindi yekushomeka asi MasterCard ine dhata yekugadzirisa dhata nayo kana poindi yekuburitsa iri panjodzi, poindi iyi yakasarudzika uye network yese inoramba yakagadzikana.

Ndeipi yekusarudza? Zvinoenderana nerudzi rwevatengi iwe zvauri, izvo zvaunoda uye nemabatiro aunoita mari yako.

Visa kana Mastercard kunze kwenyika

Kana iwe ukaita mashandiro kunze kwenyika, kana kuti uchigara kunze kwenyika, panogona kuve nemusiyano pakati pekushandisa imwe kana imwe. Chaizvoizvo izvi zviri kuenda kunongedzera kumatunhu anotambira imwe neiyi. Ndokunge, zvinogona kunge zviri izvo kuti kune zvitoro zvisingatambire Visa asi Mastercard, kana zvinopesana.

Isu tinogona zvakare kumisikidza iyo ATM samambure, asi tichifunga kuti zviri kuwedzera zvakajairika kubhadhara paInternet pasina kudiwa kwekutarisana "kumeso", kana nemari, izvi hazvingave dambudziko rakadai.

Muchidimbu, tiri kutaura nezve sarudzo ichaita zvinoenderana zvakanyanya munzvimbo dzaunofanirwa kuitisa zviitiko kuti uzive kana Visa kana Mastercard kunze kwenyika iri nani. Kana mazhinji masisitendi akagamuchira mhando, uchafanirwa kutora iro kadhi; Kune rimwe divi, kana ese ari maviri akagamuchirwa, pano zvichatsamira pakukwidziridzwa kwavanokupa iwe kuti usarudze imwe kana imwe. Ehezve, ramba uchifunga kuti, dzimwe nguva, mabhangi haakubvunze mhando yekadhi, kana iri Visa kana Mastercard, nekuti vanowanzo zviita zvoga (asi zvinogona kunge zviri izvo kuti vane sarudzo mbiri).

Ndeupi musiyano uripo pakati pechikwereti uye kiredhiti kadhi?

Kupedza Iwe unofanirwa kuziva kuti kiredhiti kadhi ndiyo iyo iyo bhangi "rinokweretesa" iwe mari iyo yauchazofanira kuzodzoka. Mari yacho yakatarwa panguva yekuhaya iyo, uye inozotemerwa nemari yako yaunowana uye nemamiriro ekushanda. Izvo zvinonakidza kana iwe uine zvausingafungire mari, asi hazvikurudzirwe kune avo vane matambudziko ekudzora kwavo kusevha, nekuti ivo zvakare vane chisungo chekudzorera izvo zvakashandiswa pamwe nemubereko.

Nyaya inoenderana:

Musiyano uripo pakati pechikwereti uye kiredhiti kadhi

Makadhi ekubhengi, kune rimwe divi, ndiwo ayo anotendera iwe kuti ushandise chete mari yauinayo muakaundi yako yebhangi pasina muripo kana ikatorwa kubva kubhangi kune iyo kadhi iri. Naizvozvo, iwe unokwanisa kudzora zvirinani mari yako.

Zvese mune zvese, isu tinovimba kuti takakubatsira iwe kusarudza kuti wotora vhiza kana Mastercard.