Iningi lezinhlelo zokuthuthukisa ama-wallet lisekelwe emcabangweni othule: wokuthi "iselula" kusho "uhlelo lokusebenza lwe-smartphone". Ezimakethe lapho imali yeselula ibaluleke kakhulu, lowo mcabango ushiya ngaphandle iningi labantu abangafinyelelwa kusukela ngosuku lokuqala. Ingxenye enkulu yamakhasimende isasebenzisa ifoni evamile. Abaningi abane-smartphone bonga idatha yabo ngokucophelela okukhulu kangangokuthi uhlelo lokusebenza abangakwazi ukukhokhela ukulubuyekeza luwuhlelo abangalusebenzisi. Uma i-wallet yakho itholakala njengohlelo lokusebenza kuphela, awakhelanga imakethe yakho: wakhele ingxenye yayo esevele ifana nawe.
I-USSD iyindlela yokufinyelela abanye bonke. Ayikhazimuli, inemingcele, futhi ineminyaka eminingi, kodwa iyisinqumo esibaluleke kakhulu sesiteshi esenziwa umhlinzeki ogxile ekufakeni wonke umuntu. Nakhu ukuthi iyini, kungani isebenza, nokuthi kudingeka ini ukuyenza kahle.
Iyini ngempela i-USSD
I-USSD (Unstructured Supplementary Service Data) ubuchwepheshe obungemuva kwamakhodi e-*123# owashayayo ukuze ubheke i-airtime yakho. Ngokungafani ne-SMS, isebenza ngezikhathi zokuxhumana futhi ngesikhathi sangempela: lapho ikhasimende lishaya ikhodi, inethiwekhi ivula iseshini ebukhoma phakathi kwefoni nesevisi yangemuva, bese kuba nengxoxo emfushane (imenyu, ukukhetha, imenyu, ukukhetha) kuze kuqedwe umsebenzi. Isebenza esiteshini sezimpawu esikhona kuyo yonke ifoni ye-GSM kusukela ngeminyaka yawo-1990, yingakho kanye isebenza efonini yamadola angamashumi amabili engenayo i-inthanethi noma uhlelo lokusebenza.
Isipiliyoni sekhasimende siwuchungechunge lwamamenyu anezinombolo. Shaya ikhodi. 1 ukuze Uthumele Imali. Faka inombolo. Faka inani. Qinisekisa nge-PIN yakho. Akukho ukulanda, akukho phakheji yedatha, akukho kusetha ngaphandle kwe-wallet uqobo. Kubantu abaningi kakhulu, lokhu akuyona indlela yokugcina: kuyindlela eyinhloko, futhi kaningi okuwukuphela kwayo, abazoke bathinte ngayo isevisi yezezimali yedijithali.
I-wallet yonke, ngekhodi yokushaya
Iphutha elenziwa abahlinzeki ukuthatha i-USSD njengemenyu encishisiwe (ukubheka ibhalansi mhlawumbe nokuthumela), "umkhiqizo wangempela" ugcinelwe uhlelo lokusebenza. Uma yenziwe kahle, i-USSD iqhuba i-wallet yansuku zonke: ukuthumela imali, ukukhipha kumenzeli, ukukhokha izikweletu, ukukhokha abathengisi, ukuthenga i-airtime, ukubheka ibhalansi nokuthola isitatimende esincane. Lezi yizinkokhelo abantu abazenza masonto onke, futhi ngayinye ivikelwe nge-PIN futhi iqinisekiswa ngaphambi kokubhalwa. Izinqubo ezicebile kakhulu, njengokufaka isicelo semalimboleko noma ukuphatha umgomo wokonga, zingalandela iphethini efanayo njengoba imenyu ikhula.
Imininingwane ebaluleke kakhulu ayibonakali ekhasimendeni: ukuthumela nge-USSD nokuthumela ngohlelo lokusebenza kuyinkokhelo efanayo, ku-ledger efanayo, enemikhawulo efanayo, izinga le-KYC elifanayo nomlando wokucwaninga ofanayo. Isiteshi siwumnyango ohlukile endlini eyodwa. Lokhu akukona ukwenza lula ukusebenza: kuyisiqinisekiso sokunemba. Ukube i-USSD nohlelo lokusebenza bekungaba yizindlela zekhodi ezihlukene ezinemithetho ehlukene, bezizohlukana kancane kancane, futhi umkhawulo wekhasimende esiteshini esisodwa ubuzohluka kwesinye, okuwuhlobo kanye lwegebe eliba yindlela yokukhwabanisa nokutholakala kwephutha lokuthobela.
Imingcele ebumba ukuklama okuhle kwe-USSD
I-USSD iyindawo enzima yokuklama, futhi ukuhlonipha imingcele yayo yikho okwehlukanisa isiteshi abantu abasisebenzisayo nesiteshi abasishiya phakathi nendawo.
- Izikrini ezincane, imibhalo emifushane. Ikhasi le-USSD ngumugqa embalwa yombhalo ongenalutho. Kumafoni amaningi akukho ukuskrola, izithombe noma ukuhlobisa. Yonke imenyu kumele ifanelwe yinhlamvu ngayinye. Uhlu olude lwezinketho kumele luhlukaniswe ngamakhasi ngendlela ethi "0. Okulandelayo" ezwakala ijwayelekile kubasebenzisi asebeyenza iminyaka.
- Amaseshini ayaphelelwa yisikhathi. Amanethiwekhi avala amaseshini angasebenzi ngemva kwesikhathi esifushane esinqunywa umhlinzeki, kaningi ngaphansi kakhulu kwemizuzu emibili. Uhambo olubuza imibuzo eminingi luzophelelwa yisikhathi ngaphambi kokuba ikhasimende liqede, liliyeke lingenalo nolwazi. Ukuklama okuhle kwe-USSD kunciphisa izinyathelo ngaphandle kozwelo futhi akulokothi kucele ikhasimende ukuthi lifune phakathi nohambo ulwazi uhlelo olusevele lunalo.
- Ukubambezeleka kuyezwakala. Phakathi kwemenyu ngayinye, ikhasimende libuka isimo esithi "kuyalayishwa" esiteshini sezimpawu esihamba kancane. Uhambo ngalunye oluya nolubuya ku-server olwenziwa yinjini yemenyu yisikhathi lapho ikhasimende lizibuza ukuthi kukhona yini okuphukile. Injini kumele isheshe futhi ihluleke ngokucacile.
- Isimo sihlala ku-server. Ifoni ayikhumbuli lutho phakathi kwamakhasi. Injini yemenyu kumele igcine isimo sengxoxo (lapho ikhasimende likhona, nalokho elikufakile) sixhunywe neseshini, futhi isakhe kabusha esinyathelweni ngasinye. Uma umshini wesimo wenze iphutha, amakhasimende aphinda afake idatha noma agcine esikrinini esingalungile.
Ukuthi ingena kanjani kunethiwekhi ebanzi
I-USSD ayimi yodwa; iyikhona elilodwa lohlelo okumele lubambane.
- Isango (gateway). Inkampani yocingo noma i-aggregator ye-USSD idlulisela isinyathelo ngasinye seseshini endaweni eyodwa yokwamukela yangemuva. Injini yemenyu ihumusha okufakiwe, iqhubekisela phambili umshini wesimo, ibuyise isikrini esilandelayo noma isiqinisekiso sokugcina. Ukusekela ama-aggregator amaningi ngemuva kwenjini eyodwa yikho okuvumela i-wallet efanayo ukuthi isebenze emazweni nasemanethiwekhini ahlukene.
- Inethiwekhi yabenzeli. Ibhalansi yedijithali iwusizo kuphela uma ingaba yimali ekheshi bese ibuya. Abenzeli yibo abaqedela i-USSD: ikhasimende lifaka imali kumenzeli, lenza izinkokhelo nge-USSD, bese likhipha komunye umenzeli. Ngaphandle kwenethiwekhi ye-float, abasebenzisi be-USSD basala nenani abangakwazi ukulisebenzisa emnothweni wangempela iningi labo elisaphila kuwo.
- Ulimi. Amamenyu kumele ahlangane namakhasimende ngolimi abacabanga ngalo. Emakethe enezilimi eziningi ezinkulu, izihlahla zamamenyu ezihunyushiwe ziwumehluko phakathi kwesiteshi esifaka abantu nesiteshi esibakhipha buthule, ngakho zihlelele kusukela kumenyu yokuqala oyibhalayo.
Ukwakheka kweseshini ye-USSD
Ngemuva kwamamenyu, iseshini ye-USSD iwukushintshana okufushane kombhalo phakathi kwesango nenjini yakho yemenyu. Njalo lapho ikhasimende liphendula, isango lithumela lonke uchungechunge lwezimpendulo kuze kube manje, zihlukaniswe ngezinkanyezi, bese injini yakho iphendula ngesikrini esilandelayo. Impendulo eqala nge-CON ishiya iseshini ivuliwe; eqala nge-END iyayivala. Ukuthumela kungabukeka kanje:
| Isinyathelo | Ikhasimende libona | Ikhasimende lifaka | Uchungechunge oluthunyelwa enjinini |
|---|---|---|---|
| 1 | Imenyu enkulu: 1. Thumela Imali, 2. Khipha Imali … | 1 | 1 |
| 2 | Faka inombolo yomamukeli | 254712000002 | 1*254712000002 |
| 3 | Faka inani | 500 | 1*254712000002*500 |
| 4 | Thumela u-500 ku-254712000002. Faka i-PIN ukuze uqinisekise | I-PIN | 1*254712000002*500*PIN |
| 5 | Kuthunyelwe. Imali yesevisi, ibhalansi entsha, inkomba | — | Iseshini iyaphela |
Imigomo emibili yokuklama ivela kule ndlela. Injini ayigcini isimo phakathi kwezinyathelo, ngoba uchungechunge luthwala yonke ingxoxo, okwenza kube lula ukuyikhulisa. Futhi uchungechunge luqukethe i-PIN esinyathelweni sokuqinisekisa, okubalulekile ekuphepheni.
Ukuphepha esiteshini ongasilawuli ngokuphelele
Ithrafikhi ye-USSD idlula enethiwekhini yeselula naku-aggregator ngaphambi kokuba ifike kuwe, futhi ifoni ayinikezi ukubethela kwezinga lohlelo lokusebenza. Imikhuba emihle igcina ingozi incane:
- Ungalokothi ugcine i-PIN. Amarekhodi eseshini abalulekile ekuxazululeni izingxabano, kodwa indawo ye-PIN ochungechungeni kumele ifihlwe ngaphambi kokuba kubhalwe noma yini kudiski noma kukhonjiswe abasebenzi.
- Qinisekisa i-PIN ohlelweni olumaphakathi, uqhathanisa nenani elenziwe i-hash, futhi ukhiye i-wallet ngemva kokwehluleka okuphindaphindiwe.
- Gcina imikhawulo ifana ncamashi neyohlelo lokusebenza. Isiteshi esinemikhawulo exegayo siba yisiteshi esithandwa ngabakhwabanisi.
- Qaphela ukushintshwa kwe-SIM. Lapho inethiwekhi yeselula inikeza idatha yokushintshwa kwe-SIM, ukushintsha kwakamuva okulandelwa ukudluliselwa okukhulu kufanele kumiswe noma kuhlolwe.
- Yamukela ithrafikhi evela esangweni lakho kuphela, ngemithetho yenethiwekhi noma izimfihlo ezabelwanayo, ukuze kungabikho muntu ongathumela amaseshini mbumbulu ngqo enjinini yakho.
- Qinisekisa nge-SMS. Irisidi ngemva kwenkokhelo ngayinye inika amakhasimende irekhodi nesikhumbuzo sokubika noma yini abangayenzanga.
Ukuklama amamenyu awo wonke umuntu
Abasebenzisi abaningi be-USSD bafunda kancane noma ngolimi lwesibili, abanye bancike emalungwini omndeni ukuze abasize. Amamenyu abasebenzelayo anemikhuba embalwa efanayo:
- Sebenzisa ukuhleleka nezinombolo ezifanayo yonke indawo, ukuze kwakheke umkhuba. Uma Thumela Imali ingu-1 namuhla, kumele ibe ngu-1 nonyaka ozayo.
- Sebenzisa izenzo ezilula: Thumela, Khokha, Khipha, Thenga. Gwema amagama emikhiqizo angaphakathi kumenyu enkulu.
- Phinda amaqiniso abalulekile esinyathelweni sokuqinisekisa: kubani, malini, nemali yesevisi, ngaphambi kokucela i-PIN.
- Bhala imilayezo yamaphutha etshela ikhasimende ukuthi lenzeni ngokulandelayo, hhayi nje ukuthi yini engahambanga kahle.
- Hlola nabasebenzisi bangempela kumafoni avamile angempela, enkundleni, ngaphambi kokwethulwa nangemva koshintsho ngalunye lwemenyu.
Ukulinganisa isiteshi se-USSD
Ukusebenza kwe-USSD kulula ukukunganakwa ngoba akubonakali ekuhlaziyweni kwezinhlelo zokusebenza. Kulandelele ngamabomu:
| Isilinganiso | Okutshela kona |
|---|---|
| Izinga lamaseshini aqediwe | Mangaki amaseshini aphela ngenkokhelo eqediwe esikhundleni sokuphelelwa yisikhathi noma ukushiywa |
| Ukushiya ngesinyathelo | Yisiphi isikrini esilahlekelwa amakhasimende, ngokuvamile leso esicela ulwazi abangenalo esandleni |
| Isikhathi sokuphendula ngesinyathelo | Ukuthi injini yakho noma uzakwethu wenza amakhasimende alinde yini |
| Izinga le-PIN engalungile | Izinkinga zokusebenziseka, noma umuntu ozama ukuqagela |
| Isabelo sezinkokhelo ngesiteshi | Mangaki amakhasimende ancike ku-USSD, nokuthi lokho kuyashintsha yini |
I-USSD nohlelo lokusebenza: akusona isigaba, kuyiqoqo leziteshi
Kuyalinga ukuhlela iziteshi ngezinga: uhlelo lokusebenza kuqala, iwebhu kulandele, i-USSD ekugcineni. Lokho kuhlela kuqinisa ukuchema okwadala inkinga. Umbono olungile yiqoqo lapho isiteshi ngasinye sisebenzela iqembu labantu nesikhathi esithile. Uhlelo lokusebenza lucebile kakhulu kulabo abanedivayisi nedatha. Iwebhu isebenzela abasebenzisi bekhompyutha nezinkampani. I-USSD isebenzela ifoni evamile, iphakheji yedatha eyongiwe, nesikhathi senethiwekhi ebuthaka lapho uhlelo lokusebenza lungalayishi kodwa iseshini yezimpawu idlula. Umhlinzeki ozimisele uqhuba zonke ohlelweni olulodwa olumaphakathi futhi uvumele amakhasimende azikhethele. Umsebenzi wenkundla ukuqinisekisa ukuthi ngaphansi kuyi-wallet efanayo.
Ukufaka wonke umuntu kuyisinqumo sokwakheka
"Ukufaka wonke umuntu kwezezimali" kuvela kuyo yonke inkulumo yemali yeselula, ngokuvamile njengenani, kungavamile njengomngcele obumba ukwakhiwa. Kodwa ukufaka wonke umuntu akusona isiqubulo osengeza ekugcineni: kuyisinqumo osenza ekuqaleni, lapho ukhetha ukuthi i-USSD izoba yisiteshi sezinga lokuqala esinomkhiqizo wonke ngemuva kwaso, noma into eyengezwe kamuva enokubheka ibhalansi kuphela. Izimakethe ezagxumela emalini yeselula zakwenza lokho nge-USSD, ngoba yiyo eyayisezandleni zabantu. Ukwakhela bona kusho ukwakha isiteshi abanaso ngempela.
Ukusebenza namanethiwekhi nama-aggregator
Iningi labahlinzeki lifinyelela i-USSD nge-aggregator enokuxhumana namanethiwekhi eselula amaningi, edlulisela amaseshini endaweni eyodwa yokwamukela. Khetha ama-aggregator ngokuthembeka nokufinyelela, hhayi intengo kuphela: buza ngezinga lempumelelo yamaseshini abo, isikhathi sabo sokuphendula enjinini yakho, ukuthi babhekana kanjani nokuphazamiseka kwenethiwekhi, nokuthi bangahlinzeka yini ngamakhodi kuyo yonke inethiwekhi esetshenziswa amakhasimende akho. Vumelanani ngamazinga esevisi ngokubhala, uwaqaphe ohlangothini lwakho, futhi ube ne-aggregator yesibili engqondweni ezimakethe ezibalulekile. Lapho inethiwekhi ishintsha isikhathi sokuphelelwa kweseshini noma umzila, ufuna ukwazi ngaphambi kwamakhasimende akho.
Uhlelo lokuhlola lwesiteshi esisha se-USSD
- Amaviki 1–2: xhuma isango ekuhloleni, hamba yonke indlela yemenyu kumafoni avamile angempela kuyo yonke inethiwekhi, ulinganise izikhathi zokuphendula.
- Amaviki 3–4: mema abasebenzi nabenzeli abathembekile ukuthi basebenzise isiteshi ngamanani amancane angempela; qoqa wonke umlayezo wephutha abawubonayo.
- Amaviki 5–8: vulela amakhasimende endaweni eyodwa enabenzeli abasebenzayo, landelela ukuqedwa nokushiywa ngesinyathelo, ulungise isikrini esibi kakhulu njalo ngeviki.
- Kusukela evikini 9: nweba indawo ngendawo, wengeze abenzeli ngaphambi kwesidingo ukuze ikhasimende ngalinye elisha le-USSD libe nendawo yokufaka nokukhipha imali.
Ukuhlola kuphinde kube yisikhathi sokubhala imihlahlandlela yosizo. Amakhasimende anamafoni avamile awakwazi ukuthumela isithombe-skrini, ngakho abasebenzi bosizo badinga ukubona uchungechunge lweseshini, i-PIN ifihliwe, ukuze baqonde ukuthi kwenzekeni.
Kungani i-USSD ibalulekile ebhizinisini
Kwesinye isikhathi i-USSD ibonwa njengendawo yezindleko zokufaka wonke umuntu. Empeleni, kaningi ithwala ingxenye enkulu yezinkokhelo ezimakethe ezinamafoni avamile amaningi, futhi lawo makhasimende angaba phakathi kwabathembeke kakhulu, ngoba ukushintsha kunzima kakhulu kubo. Ikhasimende ngalinye elingakufinyelela nge-USSD kuphela liphinde libe yikhasimende izimbangi zakho ezinohlelo lokusebenza kuphela ezingakwazi ukulisebenzela nhlobo. Uma kulinganiswa kanjalo, i-USSD ayiyona isisa kodwa iwudonga lokuvikela lokuncintisana.
Lapho izinto zingahambi kahle phakathi neseshini
Amaseshini ayehluleka: inethiwekhi inqamula iseshini, ibhalansi yekhasimende iyashintsha phakathi kwezikrini, noma uzakwethu akaphenduli ngesikhathi. Ikhasimende elinefoni evamile alinalo uhlelo lokusebenza lokuhlola kamuva, ngakho isiteshi kumele siqedele yonke indaba. Uma inkokhelo iqediwe, irisidi ye-SMS iyayiqinisekisa ngisho noma isikrini sokugcina singafikanga. Uma ingaqedwanga, ikhasimende kufanele litshelwe ngokucacile futhi akukho okufanele kudonswe. Uma umphumela ungaqinisekile, isibonelo inkokhelo eya kuzakwethu ongakaqinisekisi, ikhasimende kufanele lithole umlayezo othi inkokhelo iyaqinisekiswa, kulandele umphumela wokugcina. Amakhasimende ayakuthethelela ukwehluleka okuchaziwe; awayithetheleli imali enyamalala buthule.
Imibuzo evame ukubuzwa
Ingabe i-USSD ikhokhisa ikhasimende lutho?
Kuncike emakethe nasesivumelwaneni nenethiwekhi yeselula. Abahlinzeki abaningi bazikhokhela izindleko zamaseshini e-USSD noma bawenze mahhala, ngoba isiteshi samahhala sikhuthaza ukwamukelwa phakathi kwamakhasimende asidinga kakhulu.
Ingabe i-USSD ingasebenza ngaphandle kwesivumelwano nenethiwekhi yeselula?
Cha. Ikhodi emfushane ye-USSD yabelwa futhi iqondiswe yinethiwekhi yeselula, ngokuvamile nge-aggregator. Ukuthola amakhodi kuyo yonke inethiwekhi esetshenziswa amakhasimende akho kuyingxenye yohlelo lokwethula.
Ingabe i-USSD izonyamalala njengoba ama-smartphone esakazeka?
Ukusetshenziswa kwama-smartphone kuyakhula, kodwa amafoni avamile asevamile, futhi abasebenzisi abaningi be-smartphone basonga idatha. Ukusetshenziswa kwe-USSD ezimakethe zemali yeselula ezivuthiwe kusabalulekile, futhi kaningi kuyindlela yokugcina lapho inethiwekhi yedatha yehluleka.
Ingabe abenzeli nabo bangasebenzisa i-USSD?
Yebo. Abenzeli ezindaweni ezinedatha ebuthaka bayazuza esiteshini esifanayo ukuze basebenzele amakhasimende, inqobo nje uma amamenyu abo, imikhawulo namakhomishini abo kuvela ohlelweni olufanayo olumaphakathi nohlelo lokusebenza lwabenzeli.
I-PesaBridge ithatha i-USSD njengesiteshi sezinga lokuqala: injini yemenyu ngemuva kokuxhumana okujwayelekile kwesango le-USSD, isekelwa yinethiwekhi yabenzeli, futhi isebenzisa i-ledger efanayo elinganisiwe, imikhawulo efanayo nemali yesevisi efanayo njengezinhlelo zokusebenza, ukuze ikhasimende elinefoni evamile lithole i-wallet yansuku zonke, hhayi ingxenyana enesizotha nje.