Kuyini 3D-Secure ekhadini lesikweletu

abalandeli abaningi ukuthenga inthanethi njalo sinqwamana nabantu ezikhethekile uhlelo Ukuvikelwa 3D-Secure athuthukiswe ngqo amaklayenti Visa international ohlelweni lokukhokha, futhi kamuva kubasebenzisi MasterCard. Kodwa uyini 3D-Secure? Kungenzeka kanjani ukuthi ngibe ixhume? Yiziphi kunezinzuzo zako kanye nebubi? Kungenzeka yini ukuba uthole ezisizungezile? Ingabe asisindisa kuzo namaqhinga kubaduni?

Ngingalutholaphi uhlelo 3D-Secure

Amakhasi izitolo inthanethi agcwele izimpawu elikhanyayo, ukukhangisa nokuheha izipesheli ezinkulu kanye izaphulelo. Futhi yonke into icacile: abanikazi lezi amapulatifomu virtual usebenzisa zonke izindlela ababengazisebenzisa, ukuze zidonse ukunaka kwanoma entsha nokugcina amakhasimende ubudala.

Kuyacaca ukuthi ngu okulinga zithembiso futhi bambalwa abantu kungaba senqabe yehlisa amanani, ngaphezu kokuba uthenge nje faka imininingwane credit card yakho. Kodwa ngabe kuphephile ku-inthanethi? Kuyini 3D-Secure phezu ikhadi lesikweletu? Isebenza kanjani? Futhi uma unamandla ukukuvikela ukweba okungagunyaziwe kwezimali ezivela akhawunti?

Kuyini uhlelo 3D-Secure

3D-Secure - kuyinto iphrothokholi yokuvikeleka ekhethekile lisetshenziswa ukugunyaza umnikazi we-credit noma debit card ngesikhathi kuthengiselana lokukhokha kuya ku-intanethi.

Lobu buchwepheshe luvikela umthengisi futhi ibhange ukuziqhelelanisa kugqekezwa. Nokho, lokho akusho ukuhlinzeka iziqinisekiso ukuphepha izimali ngqo abanikazi bamakhadi.

Kanjani olandelwayo 3D-Secure

Ukuba ekuhlaziyeni ukuthi 3D-Secure, akunzima ukuqagela ukuthi isebenza kanjani. Ngokwesibonelo, unquma ukuthenga bamba stylish esitolo inthanethi izesekeli, iyasebenza okungenhla iphrothokholi yokuvikeleka. Wena Ukwengeza izinto "ubhasikidi" futhi ubona ulungu akucela ukuthi wenze lokhu okulandelayo:

• faka inombolo yekhadi lakho lokukhokha;
• ucacise usuku lokuphelelwa yisikhathi (osukwini lokukhishwa (akuvamile) nosuku lokuphelelwa kwalo isikhathi (ngokuvamile);
• zamagama wekhadi;
• ucacise izinombolo zokuzivikela ikhodi CVC2 (lokuphekiwe ngemuva ikhadi).

Bese ngokuzenzakalelayo kabusha ikhasi umhlinzeki wekhadi lakho (sesikweletu elikhiphe nasekukhonzeni le mephu), lapho-ke kuyodingeka ukwethula ikhodi owengeziwe wokuphepha. Yilokho 3D-Secure. Ngaphezu kwalokho, le khodi ingatholakala ngezindlela ezilandelayo:

• ngemilayezo ethunyelwe ebhange ngoba oxhumana inombolo yeselula somnikazi ikhadi;
• ngokusebenzisa amakhadi ezikhethekile noma amakhodi kudivayisi alahlwayo;
• ngokubhala ngekhodi unomphela, i-ngaphambilini osungulwe aziwa yodwa kuze umnikazi ikhadi futhi ebhange.

Indlela ukuxhuma 3D-Secure

Akuwona wonke amabhange ukusebenzisa uhlelo nokulondeka okufanayo, cishe ngenxa zibiza kakhulu yesondlo yayo. Ikakhulukazi le osebenza ku izikhungo ezincane credit. Lokho okubizwa ngokuthi i Veterans Banking (amabhange ezinkulu nge evuthiwe inethiwekhi okudayisa), kunalokho, banamathele olandelwayo futhi asebenzise njalo-ke.

amabhange Iningi ukuthi ukusekela uhlelo ukuphepha, ukuxhuma 3D-Secure Kwenziwa ngokwakhona, okungukuthi, ngokushesha ngemuva kokuthola futhi kusebenze ikhadi lesikweletu. Kwezinye izimo, le micengezi uxhumano protocol ikhadi Kumele uchaze isifiso sabo isethwe ku ifomu lesicelo.

Ngenxa yale njongo, njengoba umthetho, udinga ipasipoti ikhadi lasebhange. Kwezinye izikhungo zezimali ukuxhuma zokuvikela wenziwa ngesandla yiklayenti. Lokhu kwenziwa kusetshenziswa yeselula noma intanethi (kuhlanganisa khona IT-amadivayisi kanye nokufinyelela ku-intanethi).

Yiziphi emihle nemibi uhlelo

Inzuzo enkulu ohlelweni itholakala lokuthi ukuthi zonke ofakwa iklayenti ukukhomba idatha ubuntu bakhe uhlala ku iseva kuphela ebhange yayo elikhiphe hhayi singene esitolo online. Eyesibili inzuzo ebaluleke - ukusetshenziswa iphasiwedi yesikhathi esisodwa ukuqinisekiswa, axoshwe yibhange. Kodwa kukhona ethile ebalulekile. Noma kunjalo iphasiwedi ingebiwa by kubaduni futhi uqondiswe usebenzisa igciwane ekhethekile noma spyware elafika kufoni yakho noma kuthebulethi yakho ngesikhathi noma yiluphi ulwazi wokubuka intanethi noma thwebula.

Ekugcineni, omunye ethile. 3D-Secure - uhlelo akuyona impoqo, ngakho akuwona wonke izitolo inthanethi bangasebenza. Ukuze ufunde indlela ukuhambahamba 3D-Secure, funda ku.

Ngingayithola kanjani ukundlula uhlelo yezokuphepha

Kwabe sekuvela ukuthi, uhlelo sina ezibukeka nokuvikeleka unobuthakathaka eziningana evumela umhlaseli kalula yokuwuthola it. Ikakhulukazi, iningi "amashinga ikhadi" ukweba idatha ekhadini ozama ukuba uthenge ezitolo inthanethi ukuthi Asisekeli olandelwayo nokuvikeleka. Khumbula ukuthi, ukuze ke ukusebenza, kufanele sisekele hhayi kuphela umdayisi, kodwa futhi ebhange ikhadi-elikhiphe yakho.

Lapho ekukhokheleni izimpahla kulezi ezitolo, njengoba umthetho, udinga ukwenza inombolo yekhadi kuphela kanye nekhodi esisogwini ngemuva ekhadini. By endleleni, abanye abathengisi ozama uvikelekile amakhasimende abo kusuka ukuntshontshwa ngolwazi lwabo contact bese imali ekhadini, sebenzisa isikhwama esincane namaqhinga. Banxusa nebhange elikhiphe nge isicelo sokuvimbela esincane kumthengi; bese umnikazi wekhadi kumelwe ukukhumbule ebhange, ukuphendula eziningi ukuchaza imibuzo ukuhlonza; ukuzwa lemali esiqondile uvimba futhi bakubize ngokuthi kuvakashe ummeleli wendlunkulu esitolo online.

Indlela yokugwema ukungqubuzana ne imikhonyovu

Njengoba ubona, uhlelo 3D-Secure kungaqinisekisa 100% ukuvikeleka kwabo bonke abahlanganyeli kule kuthengiselana. Nokho, lokhu akusho ukuthi wonke umnikazi ikhadi ayikwazi ukuvimbela ukweba okungagunyaziwe kwezimali zabo. Kunalokho, konke kusezandleni zakho. imithetho yokuphepha elula ziyalandelwa.

Okokuqala, zama njalo ubuyekeze isofthiwe yakho unqulo wesi arab kuphela kule IT asekelwa, nge okuyinto izinkokhelo ikhadi. Okwesibili, zama ukungayi, futhi nakakhulu musa ukuthenga kumasayithi ezingajwayelekile, njengoba izigebengu ngokuvamile ahlele Amakhasi ewebhu mbumbulu ukuntshontsha imali kusuka credit card.

Okwesithathu, setha umkhawulo ngamanye credit card yakho bese ulanda isicelo yasebhange mobile afanele usuphethe isimo se-akhawunti yakho. Okwesine, ufunde ngokucophelela yombhalo ethunyelwe kusuka izinhlelo yasebhange kanye nokuvikeleka. Ekugcineni, ngokushesha xhumana nebhange lakho uma ifoni yakho isidlulile ukubamba inethiwekhi ka-opharetha, okusikisela kungenzeka kabusha ukukhululwa kwe Sim-ikhadi.

Manje ngoba sewuyazi ukuthi uyini 3D-Secure, kanye ujwayelene ins kanye nasemigwaqweni kohlelo.