Imali ye-elektroniki - iintlobo ezidumileyo zeenkqubo zokuhlawula

Imali ye-elektroniki - iindlela eziqhelekileyo zokuthenga, zibalwa kuphela kwi-intanethi. Kufana nekhadi lebhanki, imisebenzi eninzi yenziwa ngokungaqhelekanga: intlawulo yeempahla kunarhaphi ilizwe, ukuhlawula iinkonzo, kunye nokutshintshiselwa imali yangempela kwimali efunwayo. Kukho ukungafani, okufuneka kuthathelwe ingqalelo xa udala i-wallet.

Iyintoni imali yekhompyutha?

Abasebenzisi abaninzi be-intanethi sele basebenzisana ngokusebenza ngemali ebonakalayo, kwaye iingcali kwiinkqubo zekhompyutheni zizama konke okusemandleni ukufumana abakhuphiswano ekunikezeni iinkonzo. Imali ye-elektroniki ibinzana elisetyenzisiweyo kwiintlobo ezininzi:

1. Iinkqubo zokugcina nokudluliselwa kwemali yesizwe neyimfihlo.
2. Izibophelelo zemali zomntu onoxanduva, ezigcinwe kumajelo e-elektroniki.
3. Indlela yokuhlawula.

Iiploletti ezintle ziyimfuneko kubanikeli be-freelancers abafumana kwi-intanethi . Ezi zikhwama zisebenza kwi-EPS - iinkqubo zokuhlawula iikhompyutha, ukwenza imisebenzi yeebhanki ezibonakalayo. Basebenza ezimbalwa, ezinye zidibanisa, zinika abasebenzisi amandla okutshintsha imali ukusuka kwikhredithi enye ukuya kwelinye. Benza amakhadi eplastiki, amkelwe ngamagatya. Imali ye-elekthroniki igxininiswe kwiibhanki, zinceda ukuhlawula imali ngemali yangempela. Kukho iindlela ezimbini zokwenza oku:

1. Ngomakhalekhukhwini.
2. Ngebhanki ye-intanethi.

I-electronic money - pros and cons

Imali entsha yecomputer inezinzuzo kunye nokuphazamiseka kwayo, ngoko ayizange isetyenziswe kakhulu. Kodwa kunikezelwa ukuba iinkqubo zabo ziphucula rhoqo, kunokwenzeka ukuba ngokuhamba kwexesha, ukuthandwa kukunyuka. Umnxeba wemali yekhompyutha:

1. Umthetho wezomthetho . Imali engqinileyo emazweni amaninzi ayamkeli, ukwenza ukuthenga okukhulu kubo akuyi kusebenza.
2. Ingeniso . Akuyena wonke usebenzise imali ebonakalayo, ukwenza imali kunzima.
3. Ukuxhomekeka kwitheknoloji . Ukuba uhlala ngaphandle kokukhanya okanye i-intanethi - ukufikelela kwimali kuya kuvalwa.

Iinkonzo zemali yekhompyutha:

1. Ukukhawuleza . Intlawulo yenziwa ngokukhawuleza, ungadlulisela nayiphi na imali kwilizwe.
2. Ukuzenzekelayo . Yonke into yokudluliselwa ihlawulwa, imisebenzi isebenza yikhompyutha.
3. Ukulondolozwa . Le mali ayikwazi ukuphangwa okanye ifakwe, ayikwazi ukulahleka okanye yebiwe. Yonke imisebenzi ikhuselwe ngokuqinisekileyo yinkqubo.
4. Khuselo . Ukukhwabanisa imali ye-elektroniki okanye isikhwama kunzima kakhulu. Ukweba kuthetha, ukuba umsebenzisi uye wasebenzisa izicwangciso zobuqhetseba.

Ubungakanani bemali yekhompyutha

Nangona icebo lokuhlawula kwi-Intanethi linokufana nokuhlaliswa kweengxowa-mali, imali ebonakalayo isondele ngakumbi kwimali: ukusasazwa kwabo kubuntu, iinkcukacha zamacandelo ayaziwa. Iipropati zemali ye-elektronike zinika inzuzo eninzi:

1. Intlawulo idlula ngokuchanekileyo ngokuchanekileyo.
2. Ixabiso lentengo ethobekileyo: ukudala imali engenayo ayifuni iphepha kunye nopende.
3. Imali ayifuni ukuba ibuyiswe kwakhona ngesandla, yenza isixhobo sokuhlawula.
4. Akukho mfuneko yokukhusela xa kugcinwa iindleko ezinkulu.
5. Iinkqubo zokulungisa iintlawulo.
6. Isixa esikhwameni sigcinwa ixesha elide, akudingeki ukuba uhlawule umrhumo wenkonzo.

Ukungonakali kwemali yekhompyutha

Ukusetyenziswa kwemali yekhompyutheni kunentlungu. Enye yezinto ezibonakalayo zixhomekeka ngokupheleleyo kwikhompyutha apho ifayile yokuqaliswa ifakwe. Ukuba iPC ayiphumelelwanga, awuyi kukwazi ukungena esikhwameni sakho. Kukho ezinye izinto ezingalunganga:

1. Uxhumano lwe-intanethi kwimisebenzi. Akubona wonke umntu kwaye akusoloko enethuba lokungena kwi-intanethi, ngoko ngamanye amaxesha, ukufikelela kwemali kunqamle.
2. Awukwazi ukutshintsha ngqo ngqo imali kumhlawuli omnye ukuya kwenye.
3. Indlela yokukhusela i-cryptographic i-run-in kwaye ihlolwe, njengoko iya kuziphatha ngokusetyenziswa kwemali ekhompyutheni-engaziwa.

Iifom zeemali zombane

Iintlobo zemali yecomputer ziquka inkqubo ye-RUpay, iSormpay, Moneybookers, i-Liqpay, "Ikhredithi enye", "iMali yeMali", kodwa ayidla ngokusetyenziswa. Into ephambili kukuba kuthathe isigqibo sokuba yintoni injongo yekhredithi ebonakalayo, ukuze kungabi nakukho ukudumazeka nokugqithisa. Ngokuthenga nokuhlawula impahla kwi-intanethi ngaphakathi kwe-Russia, zonke iinkqubo ziyakwazi ukuphatha, kodwa ngeentlawulo zangaphandle, i-WebMoney iyona nto ibhetele. Iiplanga zihlukile:

1. Indlela yokuzaliswa kwakhona: i-ATM, iselula, amakhadi.
2. IKhomishoni yokuhamba kwemali.
3. Iiyunithi zemali.
4. Inqanaba lokukhuselwa kwedatha yomsebenzisi nokudluliselwa.
5. Ukuthandwa kwenkonzo.

Yiyiphi imali ekhompyutheni engcono? Iinkqubo ezithandwayo kakhulu ukuza namhlanje:

• I-WebMoney, yamkela kwiivenkile zonke ze-intanethi, inkonzo ebonakalayo;
• Yandex-Imali, iyamkela kuphela iiruble, i-interface elula;
• I-Kiwi, ingasetyenziswanga ngokugqithisileyo kunye nakwii-intanethi, kodwa ihlawulwa ngokulula kwizinto ezisetyenziswayo ngokusebenzisa i-terminal.

Webmoney yeMoney yeMoney

Iinkqubo zemali ze-elekroniki zinemithetho yazo yokusetyenziswa, enokuthi ithathelwe ingqalelo. Omnye wabokuqala wabonakala kwi-WebMoney Transfer, egcina izikhundla zobunkokeli kwindawo. Isetyenziswe ngamakhulu amawaka abasebenzisi abakhuluma isiRashiya, kodwa kungekhona wonke umntu owaziyo ukuba kwamanye amazwe akuvunyelwe ukuhlawula loo mali. Ezinye iinkalo:

1. Inkqubo isebenza ngeeyunithi zemali ezine: idola, i-hryvnia, iBelarusian kunye neRuble yaseRussia.
2. Nayiphi na imisebenzi eyenziwa: ukusuka kwintlawulo ukuya kwamkelwa.
3. Unako ukuzalisa ikhekhe kwiBhanki ye-Savings, ngokusebenzisa amakhadi kunye neeofisi zokutshintshiselana.
4. Ukuqinisekisa ubungqina, kukho ipasipoti eyaneleyo.
5. Ukukhusela okulungileyo.
6. Ukuhoxiswa kwemali kuvunyelwe kuphela kwi-akhawunti yasebhanki, eqinisekiswayo.
7. Iikomishoni azithathi imali yokuthumela imali kwilizwe.

Imali yombane Yandex

Okwesibini eyaziwayo kwi-Intanethi ye- Yandex-Imali , yaqaliswa iminyaka eyi-15 eyadlulayo ngokukodwa kwiRashiya, ngoko ijolise kuphela kwimali yasekhaya. Awukwazi ukudlulisela imali kwenye. Indlela yokusebenzisa isikhwama se-Yandex-Imali:

1. Yakha ibhokisi leposi kwi-Yandex, vula ithebhu "Imali" kuyo kwaye nqakraza iqhosha elithi "Vula iWallet". Yifake kwi-cell phone yakho inombolo.
2. I-akhawunti iphinda izaliswe ngama-terminals, ii-ATM kunye namasebe asebhanki, kwaye imali ihoxiswa-kwikhadi le-Yandex-Imali okanye kwikhadi eluhlu olucetywayo lweebhanki.
3. IKhomishoni yamanyathelo amaninzi ayisuswanga.
4. Ukuhlawula iimpahla okanye iinkonzo zithengi lula kwisayithi.

Imali ye-Electronic Kiwi

I-Electronic virtual kiwi imali ininzi kwimpayipi ngaphakathi kwe-CIS, kodwa izitolo ze-intanethi ziyanqikaza ukusebenzisa le nkqubo. Imisebenzi emininzi yenziwa ngamagatya. Kwizinto ezintle zongezwa:

1. Isikhwama sibophelelwe kwinombolo yeseli.
2. Unokubeka imali ngefowuni, i-ATM kunye nesigxina.
3. Kwixesha leemali ezine: i-ruble, idola, i-euro ne-Kazakhstan ithenge.
4. Intlawulo ihamba kwi-terminal okanye kwikhadi.
5. Ikhomishini ingaphantsi kwe-2% yazo zonke iintengiso.

Imali ye-Electronic Paypal

Imilinganiselo yaseYurophu, imali engcono kakhulu yekhompyutheni yi-PayPal kwi-eBay negotiation eBay, eyamkelwe kuma-203. Kungekudala, inkqubo idibanise inkxaso ngeemali ezintsha. Ngokungafani nezinye iinkonzo, i-PayPal isebenza ngemali yangempela, ikhadi okanye i-akhawunti ibophelelwe kwiakhawunti yomsebenzisi. Le nkqubo yabonakala eRashiya ngowama-2003, kodwa amaRussia akwazi ukufumana nokurhoxisa imali kuphela kwiminyaka emine edlulileyo. Ngoko ke phakathi kwabantu basekhaya i- PayPal ayithandwanga ngokukodwa, abathengi banikezela ngokuzikhethela njengesikhwama esinqabileyo kakhulu.

Ukusuka kumacandelo anenzuzo I-PayPal igama leengcali:

1. Zininzi iintlobo zokusebenza.
2. Sebenza ngemali kwi-mobile version.
3. Ukuthumela ii-invoyisi zokuhlawula ngeposi.
4. Ukurhoxiswa imihla ngemihla.

Imali ye-Electronic Easypay

Kungekudala uhlobo olutsha lwemali ye-elektroniki lubonakala - i-Easypay, iyunithi yemali yeBelarus, ukubala ku-ruble yendawo. Yadalwa njengenye indlela kwi-WebMoney. Inkqubo yokukhusela ethembekileyo, akukho zifaniso - iikhowudi zokulawula ixesha elilodwa. Kukho ezinye iingenelo:

1. Iinguqulelo zenziwa nge-Intanethi kunye nefowuni.
2. Yongeza imali kwi-akhawunti lula kwi-checkout okanye kwi-post.
3. IKhomishina ngaphakathi kweli lizwe-2%, ukuhoxisa imali-1.5%.

Kwezenzo ezithile umrhumo awususwanga:

• ukuthenga kwiivenkile ze-intanethi eBelarus;
• ukuzaliswa kweselula;
• intlawulo yeenkonzo ze-Intanethi;
• iintlawulo zomphakathi;
• uthando;
• amathikithi ukuya kwi-cinema kunye nakwimidlalo.

Imali ye-elektroni Bitcoin

I-bitcoin yemali entsha yecomputer ibizwa ngokuba yimpumelelo yokuvelisa kwiintanethi zoshishino kwi-intanethi, uhlobo oluthile lwe-communism. Ababhali bathi u-Satoshi Nikamoto, ama-bitcoins agcinwa kwiipaki ezikhethekileyo, unokuzalisa kwaye uhoxise imali. Ukukhula kweendleko ezimangalisayo kunye nokuthandwa kwehlabathi jikelele, nangona le nkqubo ingenayo inkosi kunye nokuba ngumlawuli, akunakwenzeka ukuguqula iinguqulelo ezivela ngaphandle. Kwakhona akukho khomishini, kuphela ukuhlawulwa kwabavukuzi ukuxhasa ukuthengiselana.

I-Bitcoin iyimali ekhethekileyo yecomputer, iboniswe ngu:

1. Ukuzimela . Inkqubo iphela ngokuzimeleyo.
2. Ukufumaneka okukodwa kwamatcoins.
3. Gcwalisa ukungaziwa . Amanqaku ekhredithi yomnini akakwazi ukubalwa.
4. Ukungabi nabameli . Ukudluliselwa kwebhanki, awuyidingi ibhankini, kodwa ukuphazamiseka kukuba awukwazi ukukhansela inkokhelo.
5. Ukungabikho komthetho . Oorhulumente bamazwe amaninzi bawabiza ngokungekho mthethweni.
6. Ukukhubazeka kwekhosi.

Indlela yokufumana imali yekhompyutha?

Indlela yokufumana imali ye-elektroniki kwi-Intanethi - lo mbuzo ubuzwa imihla ngemihla ngamawaka abasebenzisi be-intanethi. Fumana isifundo esiza kuzisa inzuzo kwinethiwekhi iyinyani, kodwa ayikho imali eninzi. Kukho urhwebo ekutshintshisweni, kodwa oku kufuneka ube nolwazi kunye nenkunzi yemali. Kukho iincwadana ezinenzuzo ethobekileyo kunezoqoqosho.

Ukuba ulahla ezininzi iiplani zobuqhetseba, ngoko ngokwenene ufumana imali engenayo ngaleyo ntlobo yemvuzo:

1. Iziza.
2. IiNkonzo zeposi.
3. Ukuthengiswa kweetekisi.
4. Unxibelelwano lweeReferral kwiiprojekthi zorhwebo.
5. Iinkqubo ezibandakanyekayo.
6. Iintengiso ze-intanethi
7. Iintlawulo kwimidlalo ye-intanethi.
8. Ukubonelela ngeenkonzo ezahlukeneyo.