Yintoni 3D-Secure kwikhadi lokuthenga ngetyala

abalandeli uthenga kwi-intanethi sijongene rhoqo kunye nenkqubo ekhethekileyo yokhuseleko 3D-Secure yasungulwa ngqo abathengi inkqubo yentlawulo ngamazwe Visa, yaye kamva kubasebenzisi MasterCard. Kodwa yintoni na 3D-Secure? Njani ixhume? Ziziphi iingenelo kunye neengxaki? Ngaba kunokwenzeka ukuba ngeenxa zonke? Ngaba asisindisa kuzo amaqhinga imigewu?

ndokufunela phi inkqubo 3D-Secure

Amaphepha iivenkile intanethi zizele iimpawu eziqaqambileyo, izibhengezo kukutsalela ukunikezwa okuhle kunye nezaphulelo. Kwaye yonke into icacile: abanini la maqonga virtual usebenzisa zonke iindlela kunokwenzeka, ukwenzela ukuba zikwazi ukutsala umdla wabo omtsha nokugcina abathengi ubudala.

Kucacile ukuba emlinga izithembiso yaye bambalwa abantu bayala ukuba zehlise amaxabiso, ukongeza kokuba uthenge ningena nje iinkcukacha ikhadi lakho letyala. Kodwa ngaba ekhuselekileyo ukuthenga kwi-intanethi? Yintoni 3D-Secure kwi ikhadi ngetyala? Zisebenza njani? Ke ukuba unako ukukukhusela ubusela engagunyaziswanga kwemali evela akhawunti?

Yintoni inkqubo 3D-Secure

3D-Secure - yinto protocol ekhethekileyo yezokhuseleko esetyenziswayo ukuqinisekisa umnini wephepha-credit okanye debit card ngexesha lwesivumelwano yentlawulo nge Internet.

Le iteknoloji inceda ukukhusela umthengisi kunye yebhanki ngokwayo kwintengiselwano yobuqhophololo. Nangona kunjalo, oko akuthethi ukunika lothunyelo ukhuseleko kwemali ngqo bamakhadi.

Njani 3D-Secure protocol

Ukuba isishwankathelo yintoni 3D-Secure, akukho nzima ukuba baqashele ukuba isebenza njani. Umzekelo, ukuba isigqibo ukuthenga bamba stylish kwisitora online lwezincedisi, ebalekayo ngasentla protocol yokhuseleko. Wena kongeza izinto kwi "nengobozi" kwaye ubone iifestile pop-up ukuba ucele ukuba wenze oku kulandelayo:

• faka inani yekhadi lakho;
• ukhankanye umhla wokuphelelwa (umhla wokukhutshwa (ngamaxesha ambalwa) kunye nomhla wokugqiba (idla);
• -inishiyali wekhadi;
• ucacise amanani yokhuselo ikhowudi CVC2 (ezidweliswe kwi cards).

Kwaye ngoko kua ngokuzenzekelayo kwiphepha lebhanki lakho yokukhupha (kwiziko lamatyala ukukhupha nokukhonza le mephu), apho kuya kuba yimfuneko kwakhona ukufaka amanye ikhowudi yokhuseleko. Nantso into 3D-Secure. Ngaphezu koko, le khowudi zingafumaneka kule ndlela zilandelayo:

• yi imiyalezo ethunyelwe yebhanki kumfowunelwa inani mobile ikhadi le;
• ngokusebenzisa amakhadi ezizodwa okanye codes isixhobo uyilahle;
• ngokubhala ikhowudi esisigxina, a ngaphambili lusekiwe kwaye aziwa kuphela umnini ikhadi kunye yebhanki.

Indlela ukudibanisa i 3D-Secure

Ayizizo zonke iibhanki usebenzise inkqubo yokhuseleko efanayo, mhlawumbi ngenxa yeendleko eziphezulu yesondlo yayo. Ingakumbi oku kusebenza amaziko amancinane ngetyala. -Ekuthiwa amagqala zeBhanki (iibhanki amakhulu womnatha aphuhliswe kakuhle ngemiyinge), phezu koko, balandele ngqo le migaqo kwaye usebenzise rhoqo.

iibhanki ezininzi ezixhasa inkqubo yokhuseleko, qhagamshela 3D-Secure ikhutshwa phandle emiselweyo, oko kukuthi, ngoko nangoko emva kokufumana nokuvuselela ikhadi lamatyala. Kwezinye iimeko, iingcedevu ikhadi uqhagamshelwano protocol kufuneka achaze umnqweno wabo ukucwangcisa ifom yesicelo.

Ukulungiselela le njongo, njengoko umthetho, kufuneka ipasipoti ikhadi yebhanki. Kwezinye amaziko zemali ukudibanisa iinkqubo zokhuseleko lwenziwa ngesandla ngumxhasi. Oku kwenziwa ngokusebenzisa iselula okanye internet banking (kuquka ubukho IT-izixhobo kunye nokufikelela kwi-Internet).

Ziziphi izinto ezingalunganga yenkqubo

Inzuzo ephambili yenkqubo kuxhomekeke yokuba bonke wangena ngumxhasi ukuchonga data bakhe zobuntu ihlala zebhanki ukukhupha kuphela iseva kwaye kungena ivenkile online. Uncedo yesibini ebalulekileyo - ukusebenzisa igama ngexesha elinye-ngenxa ungqinisiso, bagxothwa yibhanki. Kodwa kukho ethile ebalulekileyo. Ngokunjalo ke igama inokubiwa yi imigewu yaye kwakhona usebenzisa intsholongwane ekhethekileyo okanye kubathengisi esifike phezu kwifowuni yakho okanye tablet ngexesha naluphi na ulwazi ukubukela intanethi okanye download.

Okokugqibela, enye ethile. 3D-Secure - inkqubo ayisosinyanzelo, ngoko zonke iivenkile online ingasebenza. Ukuze ufunde indlela yokufumana malunga 3D-Secure, ufunde.

Njengoko kunokwenzeka ukuba yokucima kwinkqubo yokhuseleko

Kwathi kanti, inkqubo enzima yokhuseleko-ujonge uneempazamo eziliqela kunike i umhlaseli ngokulula yokucima kuyo. Ngokukodwa, uninzi "villains ikhadi" ukweba data card zizama ukwenza ukuthenga kwiivenkile online abangaxhasi lo protocol yokhuseleko. Khumbula ukuba, ukuze ukuba isebenze, kufuneka sixhase kuphela nomthengisi, kodwa bank ikhadi-khupha lakho.

Xa kuhlawulwa yempahla kwezi ezivenkileni, njengoko umthetho, kufuneka wenze kuphela inombolo yekhadi kwaye ikhowudi ibekwe kwi ngasemva kwikhadi. Ngendlela, ezinye abathengisi bazama ukufumana abathengi zabo ukubelwa iinkcukacha zabo zoqhagamshelwano kunye nemali evela ikhadi, sebenzisa ibhegi encinane amaqhinga. Babambelela ebhankini ukukhutshwa nesicelo yokuvimba imali encinane kumthengi, kwaye ngoko ke wekhadi kufuneka ukhumbule ebhankini, ukuphendula iqela ekucaciseni imibuzo ukuze ukuchonga; ukuva sixa sisiso bavimba bakubize ngummeli ivenkile online.

Indlela yokuphepha kungquzulwano ne imigulukudu

Njengoko ubona, inkqubo 3D-Secure onokuqinisekisa ukhuseleko bonke abathathi nxaxheba intengiselwano 100%. Noko ke, oku akuthethi ukuba wonke umnini ikhadi akakwazi ukuthintela ubusela okungagunyaziswanga mali zazo. Ngokwahlukileyo koko, yonke into isezandleni zakho. imithetho elula yokhuseleko ziyalandelwa.

Okokuqala, zama ukuhlaziya isoftwe yakho unqulo rhoqo kwi IT-inkxaso, nge apho iintlawulo card. Okwesibini, zama ukuba ahambe, yaye ngakumbi musa ukuthenga kwiziza ezingaqhelekanga, njengoko nabakhohlisi badla ukucwangcisa amaphepha Web bogus ukuba ebe nemali evela ikhadi lamatyala.

Okwesithathu, umise umda ngamnye ikhadi lakho letyala kwaye ukhuphele isicelo bank mobile efanelekileyo unolawulo olugqityiweyo lwe imo-akhawunti yakho. Okwesine, funda ngenyameko okubhaliweyo imiyalezo ethunyelwe ukususela kwiinkqubo ebhankini kunye nokhuseleko. Ekugqibeleni, ngoko nangoko qhagamshelana ibhanki yakho xa ifowuni yakho iye yaphela ukubamba womnatha somqhubi, nto leyo ebonisa ukuba kunokwenzeka kwakhona kwakhululwa Sim-khadi.

Ke kaloku, ukuba uyazi ukuba yintoni na i-3D-Secure, kwakunye eziqhelekileyo kunye ins kunye outs le nkqubo.