Ubuqhetseba bekhadi letyala

Ubuqhetseba kunye neengxaki zamakhadi

Kule minyaka imbalwa idlulileyo, Ubuqhetseba bekhadi letyala Bonyukile kwiindawo ezininzi zehlabathi, nangona amaziko enze konke okusemandleni ukuzama ukuphucula ukhuseleko lwabathengi bawo, ubuqhetseba obungaphezulu kwama-5.000 XNUMX ngosuku, nto leyo eye yakhathaza amawaka abasebenzisi kwihlabathi jikelele.

Ilahleko kubasebenzisi ngenxa yobuqhetseba bekhadi letyala, bafikelele ngaphezulu kwe-15 yezigidi zeerandi. Idatha evela kulo nyaka sele ibonakalisile ukuba ngawaphi amanqaku aphambili apho ubuqhetseba bamakhadi benzeka khona, uninzi lwazo lusezintweni zokuthenga kwi-intanethi ezinezikhalazo ezingaphezu kwama-780 amawaka ngo-2014.

I-2% yobuqhetseba yenzeke kwii-ATM ze ama-31% aseleyo axelwa ngalo ulwazi lobusela bamakhadi, kuba ikhadi lalingekavezwa ngokwasemzimbeni. Oku kuhlala kungokubhankisha okanye kweefowuni.

Kule minyaka mithathu idlulileyo, kuye kwabonwa inani eliphezulu lolwaphulo-mthetho, nto leyo ebonisa ukuba olu hlobo lobusela lonyuke nge-104%.

El imali eseleyo ebangwa bubuqhetseba ngamakhadi etyala, ayalingana ngaphezulu kwe-20 yezigidi zeerandi, apho ilahleko kumakhadi ezigidi ezili-15 yathathwa njengefanelekileyo.

UKUPHEPHA UKUPHEPHA

Olu hlobo lobuqhetseba lonyukile. Isekwe kubuqhetseba apho abasebenzisi baneeakhawunti zabo Iposi yebhanki engaphefumlelwanga ezisetyenziselwa ubuqhetseba apho ungenalo naluphi na uhlobo lokudibana nomzimba kunye nekhadi kodwa zenziwe ngolwazi lomntu siqu.

Xa sithetha ngale nto Uhlobo lomsebenzi ubizwa ngokuba yiphishing, kuxa idatha yethu yobuqu ibiwe kunye nemifanekiso yamaziko emali kwaye emva koko uhlobo oluthile lobuqhetseba luzinikele kuloo datha.

Ubuqhetseba obuye babonwa kakhulu bunee-logo ze-BBVA okanye imifanekiso kunye ne-imeyile apho umntu abuzwa khona ulwazi lwebhanki ukuze akwazi ukwenza ugqithiso ebelugcinwe.

IZISoyikiso KWIXESHA ELIKUDE

Ngoku ka iingcali zokhuseleko, Ixesha elingaphezulu, abantu ababandakanyeka kubuqhetseba bekhadi letyala ngokusebenzisa olu khetho kwabanye abayi kuphehlelela iinkqubo ezintsha ngale njongo, kodwa baya kuba neendlela ezintsha zokophula idatha yabantu abasebenzisa amakhadi.

Abazukusebenzisa kuphela amakhadi abo etyala ukuba babambe imali yabanye abantu, kodwa unokusebenzisa usetyenziso lwazo zonke iintlobo kwizixhobo eziphathwayo.

Buphandwa Njani Ubuqhophololo beKhadi letyala

Umntu wokuqala ekufuneka ephande ikhadi lakho kwaye athathele ingqalelo yonke idatha edlulayo kuwe. Iingcali zincoma ukuba uqaphele zonke iintshukumo ezenziwe kwikhadi lakho Ikhredithi ukuze ikwazi ukuqonda nawuphi na umsebenzi ophuma kulawulo ukusuka kumzuzu wokuqala. Onke amaziko ane I-hotline yeeyure ezingama-24 ukuze unxibelelane nanini na xa ubona into engaqhelekanga eyenzeka kwiiakhawunti zakho. Isantya osebenza ngaso sibalulekile, kuba iingcali zithi ukuqaphela utshintsho kwikhadi lakho ngexesha kunokukunika izoyikiso zeerandi ezingama-50 okanye ngaphantsi.

Isantya yinto ekufanele uhlale uyikhumbula ukusuka okokuqonda kwakho ukuba ikhona into eyenzekayo ngekhadi lakho letyala ukuze ubeke imida kwizaphuli-mthetho ngokusika kwangoko ikhadi.

Apho ixhaphake kakhulu

Amakhadi etyala

Ngokutsho kweengcali ubuqhetseba bekhadi letyala kwi-Intanethi sele iphindaphindwe ngama-20 ngakumbi kwiminyaka yakutshanje. Le tUhlobo lokuthenga lubizwa ngokuba yi-CNP kwaye into oyenzayo usebenzisa inombolo yekhadi letyala ukuze ukwazi ukwenza ukuthengiselana okukhulu kwezinye iiakhawunti. Kuba iingcali ziyayazi loo nto, izinto ezininzi zenza ukuba kubonakale ukuba ikhadi lenza nayiphi na intshukumo engaqhelekanga kwaye ichongiwe njengentshukumo engaqhelekanga ngokwazisa umnini wekhadi. Enye into ezanywa kumaziko amaninzi ukukhangela ubuqhetseba ziindlela zokuthenga kwixabiso, kuba xa umntu esoloko ethenga imali efanayo kwaye ngequbuliso intlawulo ephezulu ibhalisiwe, umthengi uya kwaziswa.

Kwiimeko ezininzi, ikhadi livaliwe ngqo kwaye umntu uyalumkiswa ngento eyenzekayo.

Ukulandelela iindlela zobuqhetseba beKhadi letyala

Nabani na ozinikele ekuqhubekeni noku ulwaphulo-mthetho kwi-intanethi, inayo yonke into oyifunayo ukwenza umkhondo olungileyo wekhompyuter.

Amaxesha amaninzi, ukubiwa kwamakhadi Iyenziwa kodwa akukho hlobo lwentshukumo olu hlobo lweakhawunti, oko kuthetha ukuba abaphandi abanakubona ukuba ngubani okanye phi apho isetyenziswa khona, nangona kunjalo, kunokuba kunjalo ukuba ikhadi alisetyenziselwa ukuthengwa kwi-Intanethi kodwa ungasebenzisa igama kunye nedatha kwiintlawulo zezavenge okanye ngokulula igama lomntu.

Amapolisa nawo angayinqanda le nto uhlobo lobuqhetseba namakhadi okuthenga ngetyala ukuqinisekisa ukuba akukho mntu unokwenza ubuqhetseba beKhadi letyala.

Iphi enye le

Nangona kunokubonakala ngathi eYurophu kukho ifayile ye- Inani elikhulu lamaqhinga Ngamakhadi etyala, nangona kunjalo, amanani asixelela ukuba elona lizwe kwenzeka kulo kakhulu yi-United States, apho kulahleka ngaphezulu kwe-5000 yezigidi zeedola ngenxa yobuqhetseba minyaka le ngenxa yobuqhetseba bekhadi letyala.

E-Yuropu, abantu kwiindawo ezifana ne-United Kingdom ne-France zezona zisemngciphekweni kakhulu eYurophu, ukusukela kunyaka ophelileyo ngaphezulu kwe-715 yezigidi zeedola ezilahlekileyo kule ndawo, nto leyo yenza ngaphezulu kwe-62% yobuqhetseba egxile kuyo yonke iYurophu.

Yintoni exhalabisayo Spain, eli lilizwe lesihlanu elisengozini kakhulu Kunyaka ngamnye kwaye ilahlekelwa ngaphezulu kwe-123 yezigidi ze-euro, nangona kunjalo, ngexesha lokugqibela kuye kwafunyanwa imeko esezantsi kwilizwe lokugqibela.

Ingcali ngetyala ithe eyona ngxaki inkulu eSpain yile uhlaselo lwekhadi letyala ngeePOS terminals. Ukusukela kunyaka ophelileyo, ukwehla kwenkohliso yamakhadi etyala kwehle nge-4,5%.

Iiposta zePOS eSpain

makhadi e khredithi

Ngoncedo olukhulu olunikwa lolu hlobo lokuba sesichengeni xa kufikwa kumnxeba, izaphuli-mthetho ezininzi zigxila kwiitheminali yeba idatha yekhadi letyala okanye naluphi na olunye uhlobo lolwazi. Ngale ndlela benza ntoni xa befunda zonke iiterminal ngexesha lokuhlawulwa kwamakhadi ukugcina inombolo kunye negama lokugqitha.

Kwelinye icala, iingcali zithi zonke iinkqubo zokuhlawula ezinento yokwenza namakhadi etyala asekwe kuwo Iichipsi azibalulekanga kangako xa kuthelekiswa nezo zisetyenziswa ngokwesiqhelo apho linokusetyenziswa kuphela inani lamakhadi etyala.

Ngokubhekisele kumakhadi okuthenga ngetyala aseYurophu, uneenkqubo eziphambili ngakumbi kwintoni ibhekisa kwi-chip kunye ne-pin nangenxa yokwamkelwa kakuhle okunikwa kula makhadi ebusweni bezihlaselo ezimbalwa. Sele ziqalisile ukusetyenziswa kwiindawo ezininzi zase-US.

Yonke imihla ukhathazekile ngakumbi

Xa kufikwa kubuqhetseba bekhadi letyala, bobabini abaseSpain nabaseYurophu baya bexhalaba malunga nayo yonke into eyenzekayo ngobuqhetseba bekhadi letyala. Esona sizathu kukuba intengiso emnyama yamakhadi abiweyo ayiyeki ukukhula yonke imihla ibangela ukuba iindleko ziqhubeke nokwanda. Iibhanki zithembisa iindlela ezintsha ngokuchasene nayo yonke into ebhekisa kukhuseleko lwekhadi, kodwa kumaziko amaninzi kunzima ukubonelela ngeendlela ezintsha, ngakumbi kumazwe afana ne-US apho, kude nokucinga, iinkqubo zokuhlawula ziphelelwe lixesha. Soloko usebenzisa i-chip

Iingcali zithi eyona ndlela yokuqiniseka ukuba ikhadi likhutshiwe okanye libiwe kukusebenzisa amakhadi etyala ngephini. Kwiimeko ezininzi, ezi ntlobo zamakhadi zinokuxelela ibhanki kwimizuzu nje embalwa ukuba likhadi elibiwe okanye eliphindiweyo kwaye liyivimbe kwimizuzwana embalwa.

Iingcali zithetha ngobudlelwane phakathi kobuqhetseba obuphantsi kunye namakhadi etyala athe afunyanwa eSpain ngokubhekisele kwamanye amazwe aseYurophu nakwamanye ukusetyenziswa kwehip kwimakhadi.


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.

  1.   Taylor sitsho

    Inqaku elilunge kakhulu. Inyani yile yokuba yonke imihla kufuneka ulumke ngakumbi ngokhuseleko kuyo yonke imimandla. Kuya kufuneka ulumkele iintlawulo ezintsha ze-NFC, nokuba zihamba ngeselula okanye ngekhadi. Le teknoloji ayikakhuselekanga kwaye inokuba yimeko yokuthintela ulwazi (alufihliwanga) kunye nomfundi okufuphi, nokuba umsebenzisi akalukhuphi kwisipaji sakhe.