Khoebo ea Khoebo le Retail

Tokenization ea Karete ea Mokoloto ke Eng?

Tokenization ea karete ea mokoloto ke ts'ireletso e nkang sebaka sa tlhaiso-leseling ea bohlokoa ea karete ea mokoloto, joalo ka nomoro ea mantlha ea linomoro tse 16 (PAN), e nang le sekhetho se ikhethang sa dijithale se bitsoang token. Letšoao le sebelisoa sebakeng sa PAN ho tsamaisa ts'ebetso ea tefo, 'me e sebetsa feela bakeng sa ts'ebetso e itseng kapa sete sa litšebelisano.

Tokenization ke ts'ebetso e thusang ho boloka litefo tsa marang-rang le tsa mehala ka ho nkela tlhahisoleseling e bobebe sebaka ka a token e ikhethang ea dijithale, e leng letoto la linomoro le litlhaku tse se nang boleng kapa moelelo ka botsona. Sena se thusa ho sireletsa tlhahisoleseding e hlokolosi ea tefo ea mong'a karete hore e se ke ea senyeha nakong ea ts'ebetso ea transaction. Tokenization ea karete ea mokoloto e sebelisetsoa ho boloka litefo tse entsoeng ka lisebelisoa tsa mehala, barekisi ba marang-rang, le li-platform tse ling tsa tefo ea dijithale.

Bahoebi ba Lokela ho Itokisa Joang Bakeng sa Tokenization?

Credit Card Tokenization e fana ka tšireletso e eketsehileng ho mong'a karete nakong ea ho tsoa ka ho sebelisa letšoao ho fetola nomoro ea akhaonto ea bona le letsatsi la ho felloa ke nako ho boleng bo matla ba ho netefatsa token. Leha ho le joalo, ha se ntlafatso e bonolo, empa e hloka koetliso bakeng sa bareki le bakeng sa barekisi ho kenyelletsa ts'ebetsong ea theknoloji.

Mona ke seo u lokelang ho se etsa ho itokisetsa haeba u mohoebi ea amohelang likarete tsa mokitlane.

  1. Nchafatsa mekhoa ea ho lefa - Bahoebi ba ka 'na ba hloka ho ntlafatsa mekhoa ea bona ea ho lefa hore e lumellane le tokenization, joalo ka ho kopanya le tokenization API kapa ho fetola mokhoa oa bona oa ho lefa ho amohela li-tokens.
  2. Kenya ts'ebetsong tsamaiso ea tokenization - Bahoebi ba tla hloka ho sebetsa le mofani oa litšebeletso tsa tokenization ho kenya ts'ebetsong tsamaiso e khonang ho hlahisa le ho boloka li-tokens bakeng sa lik'hamphani tsa karete ea mokitlane.
  3. Netefatsa hore e tsamaellana le Tekanyetso ea Payment Card Industry Data Security Standard (PCI DSS) - Tokenization e ka thusa barekisi ho fihlela litlhoko tsa PCI DSS, e leng sete sa litekanyetso tsa ts'ireletso tse ikemiselitseng ho sireletsa data ea mong'a karete hore e se ke ea fumanoa kapa e senyehile.
  4. Lekola tsamaiso ea tokenization - Pele o kenya ts'ebetsong ea tokenization, bahoebi ba lokela ho hlahloba tsamaiso ho netefatsa hore e sebetsa hantle le hore litšebelisano tsohle li sebetsanoa ka nepo.
  5. Koetlisa basebetsi - Bahoebi ba lokela ho etsa bonnete ba hore basebetsi ba bona ba koetliselitsoe mokhoa oa ho sebelisa mokhoa oa tokenization le mokhoa oa ho sebetsana le li-tokens le lintlha tse ling tse hlokolosi tsa tefo.

Ke Litšebeletso life tsa Tokenization tsa Karete ea Kerediti tse fumanehang?

E 'ngoe le e 'ngoe ea mefuta e meholo ea likarete tsa mokoloto (Visa, Mastercard, American Express, Discover, le JCB) e fana ka ts'ebeletso ea eona ea tokenization ho thusa ho boloka litefo tsa marang-rang le tsa mehala. Mona ke kakaretso e khuts'oane ea lits'ebeletso tsa tokenization tse fanoang ke mofuta o mong le o mong oa karete ea mokoloto:

  • Hlahisa: Tšebeletso ea Token ea Visa (VTS) ke karolo ea ts'ireletso e nkang tlhahisoleseling e hlokolosi ea akhaonto ea mong'a karete ka lets'oao le ikhethang la dijithale ho thusa ho lefa litefo tse sireletsehileng tsa inthanete le tsa mehala. Visa e kopantsoe le Google Chrome ho tsebisa VTS ho libatli tsa marang-rang bakeng sa litšebelisano tsa likarete tse seng teng hona joale.
  • Mastercard: Mastercard Digital Enablement Service (MDS) ke ts'ebeletso ea tokenization e nkang data e hlokolosi ea mong'a karete ka lets'oao le ikhethileng la dijithale ho boloka litefo tsa inthanete le tsa mehala.
  • American Express: Tšebeletso ea tokenization ea American Express e bitsoa SafeKey, 'me e nkela tlhahisoleseding e hlokolosi ea akhaonto ea mong'a karete sebaka ka letšoao le ikhethang la digital ho boloka litefo tsa inthaneteng le tsa mohala.
  • sibolla: Ts'ebeletso ea tokenization ea Discover e bitsoa Fumana Tokenization, 'me e nkela tlhahisoleseding e hlokolosi ea akhaonto ea mong'a karete sebaka ka letšoao le ikhethang la digital ho boloka litefo tsa inthaneteng le tsa mohala.
  • JCB: Tšebeletso ea tokenization ea JCB e bitsoa JCB Tokenization, 'me e nkela tlhahisoleseding e hlokolosi ea akhaonto ea mong'a karete sebaka ka letšoao le ikhethang la digital ho boloka litefo tsa inthaneteng le tsa mohala.

E 'ngoe le e' ngoe ea lits'ebeletso tsena tsa tokenization e etselitsoe ho thusa ho boloka litefo tsa marang-rang le tsa mehala ka ho nkela tlhahisoleseling ea bohlokoa ea tefo sebaka ka token e ikhethang ea dijithale, e sebetsang feela bakeng sa transaction kapa sete ea litšebelisano. Sena se thusa ho sireletsa tlhahisoleseding e hlokolosi ea tefo ea mong'a karete hore e se ke ea senyeha nakong ea ts'ebetso ea transaction.

Ts'ebetso ena e thusa bohle ba amehang khoebong. Mohoebi ha a tlameha ho boloka data ea karete ea mokoloto hore litsamaiso tsa bona li sireletsehe ho feta. Moreki o na le taolo e felletseng holim'a li-tokens tsa bona mme a ka li thibela neng kapa neng. 'Me mochini oa ho lefa o qoba litšebelisano tsa bolotsana tse amanang le linomoro tsa likarete tsa mokoloto tse utsoitsoeng.

Douglas Karr

Douglas Karr ke CMO ea Bula LITLHAKISO le mothehi oa Martech Zone. Douglas o thusitse batho ba bangata ba atlehileng ho qala ka MarTech, o thusitse boitelong bo nepahetseng ba chelete e fetang $5 bilione ho reka le matsete a Martech, mme o ntse a tsoela pele ho thusa lik'hamphani ho kenya ts'ebetsong le ho iketsetsa maano a bona a ho rekisa le ho bapatsa. Douglas ke setsebi le sebui sa MarTech se tsebahalang lefatšeng ka bophara. Douglas hape ke sengoli se hatisitsoeng sa tataiso ea Dummie le buka ea boetapele ba khoebo.

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