Mtengo weniweni wa malonda: kuyang'ana kupitirira pamwamba
Mwini bizinesi akayang'ana ndalama zolipirira papepala, nambalayo imawoneka yosavuta - peresenti apa, ndalama yokhazikika pamenepo. Koma aliyense amene adalandirapo ndalama zolipirira pa khadi amadziwa kuti mtengo wa "kugulitsa komalizidwa" nthawi zambiri sugwirizana ndi njira yoyera yomwe yaperekedwa patsamba la mitengo. Zipata zachikhalidwe zimatsatira kapangidwe ka magawo: banki imafuna gawo lake, netiweki yamakhadi imawonjezera gawo lake, ndipo purosesa imagwiritsa ntchito chizindikiro chake. Kenako pamabwera zolembetsa pamwezi, zida zowonjezera, ma module achinyengo, ndi mndandanda wa zolipiritsa zazing'ono zomwe zimalowa mu ma invoice mwakachetechete.
Malipiro a Blockchain amatenga njira yosiyana. Ndalama zawo zimachokera ku netiweki yokha — yomwe imatchedwa ndalama ya gasi kapena netiweki — ndipo njira zomwe zili kumbuyo kwake ndizowonekera bwino. Mutha kuwona ndalama zomwe zili pa ledger, kumvetsetsa chifukwa chake zidakwera kapena kutsika, ndikuzitsimikizira popanda kufunsa purosesa kuti ikuthandizeni kumvetsetsa. Mu makina oyendetsedwa ndi pulogalamu yolipira ya blockchain, ndalamazo zimadalira momwe unyolo ulili wotanganidwa, osati malinga ndi zomwe zili mu mgwirizano kapena magulu a makadi.
Kuwonekera bwino kumeneku sikupangitsa kuti blockchain ikhale yotsika mtengo yokha, koma kumapangitsa kuti malamulowo akhale osavuta kutsatira. Ndalama zolipirira mafuta nthawi zina zimatha kukwera, koma mfundo zake zimakhalabe zodziwikiratu: kuchulukana kwa ndalama kumabweretsa ndalama zambiri, nthawi yodekha imabweretsa ndalama zochepa. Mosiyana ndi kukonza makhadi, palibe mzere wobisika mu lipoti la mwezi uliwonse womwe umadabwitsa wamalonda pambuyo pake.
Liwiro ndi mapeto: kodi malipiro amakwaniritsidwa liti?
Chilolezo m'njira zachikhalidwe chimamveka ngati nthawi yomweyo, koma ndi chiyambi chabe. Wamalonda akuwona chitsimikizo, koma kufika kwenikweni kwa ndalama kumatsatira nthawi yake. Ndalama zimakhudzidwa ndi mabungwe angapo asanayike mu akaunti ya wogulitsa, ndipo aliyense amene akutenga nawo mbali amayambitsa kuchedwa. Ngakhale mutathetsa mgwirizano, malonda amatha kufunsidwa, kusinthidwa, kapena kutsutsidwa.
Blockchain imasintha nthawi imeneyi kukhala chinthu chachidule kwambiri. Malipiro akangolandira zitsimikizo zokwanira pa unyolo, imakhala chochitika chomalizidwa. Palibe magawo ena owonjezera ovomereza, palibe kukonza ma batch usiku uliwonse, komanso palibe nthawi yodikira ya masiku ambiri kuti atulutse ndalamazo. Wamalonda amalandira katunduyo mwachindunji, ndipo ledger imalemba nthawiyo mosasinthika.
Kutha kumeneku kumasintha momwe mabizinesi amaganizira za kayendedwe ka ndalama. M'malo mokonzekera nthawi yoti atulutse ndalama mosatsimikizika, wamalonda amatha kugwira ntchito ndi malipiro omwe amafika nthawi yomwe amawonekera. Kuthamanga kumeneko kumamveka ngati pafupi kupereka ndalama pa kauntala kuposa kulipira makhadi a digito.
Mtolo wobisika: kutsatira malamulo, kuphatikiza, ndi ndalama zogwirira ntchito
Njira iliyonse yolipirira imaphatikizapo zambiri kuposa mtengo womwe ukuwonetsedwa pa invoice. Kuvomereza makadi achikhalidwe kumafuna kuti amalonda azitsatira njira zolowera, kuyang'ana zikalata, ndi malamulo otsatira malamulo. Miyezo ya PCI yokha ingafune kuwunika pafupipafupi, maphunziro a antchito, ndi kusintha kwa zomangamanga. Kuphatikiza ndi zida zowerengera ndalama nthawi zambiri kumadalira middleware, mapulagini, kapena kuyanjanitsa pamanja.
Machitidwe a Blockchain amafewetsa zina mwa zigawozi mwa kuchotsa kufunika kosunga deta ya makadi konse. Zida ndi nsanja zochokera ku API monga Nsanja ya SHKeeper amalola opanga mapulogalamu kuti azitha kugwiritsa ntchito njira zolipirira mwachindunji pa ledger kapena kudzera mu magawo opepuka a ntchito. M'malo mosunga malo okhwima achitetezo cha deta yamakhadi, mabizinesi amayang'ana kwambiri kasamalidwe ka chikwama cha ndalama ndi kusamalira makiyi mosamala.
Komabe blockchain imabweretsa mfundo zake. Ogwira ntchito ayenera kumvetsetsa momwe ma wallet amagwirira ntchito, momwe angatetezere mwayi wopeza, komanso momwe angazindikire ntchito zoopsa. Mabizinesi omwe amagwira ntchito ndi zinthu za digito angafunike malangizo amkati kuti athetse kusakhazikika kwa msika kapena kusintha katundu kukhala ndalama zakomweko. Malamulo amasiyana malinga ndi madera, ndipo kampani iyenera kudziwa momwe ulamuliro wake umachitira ndi malipiro a digito.
Malo omwe akusintha: mitundu yosiyanasiyana ndi njira zotetezera mtsogolo
Kuyerekeza pakati pa zipata zachikhalidwe ndi njanji za blockchain sikulinso mkangano wamba "wakale ndi watsopano". Ma processor ambiri odziwika bwino amayesa mwakachetechete njira zopezera ndalama pogwiritsa ntchito blockchain mseri, pomwe nsanja za blockchain zoyambira cholinga chake ndi kupereka zokumana nazo zamalonda zomwe zimafanana ndi njira zodziwika bwino zolipira.
Izi zimapanga machitidwe osakanikirana: mawonekedwe achikhalidwe ophatikizidwa ndi ma rail osasinthika, kapena ntchito zoyendetsedwa ndi blockchain zomwe zili mu ma dashboards osavuta kugwiritsa ntchito. Mapulatifomu omangidwa pa pulogalamu yolipira ya blockchain yosinthika mwina adzapanga malo apakati awa, kuchepetsa zopinga pomwe akusunga mphamvu za chilengedwe chonsecho.
Pamapeto pake, funso silili dongosolo lomwe lidzapambane koma momwe makampani angasankhire kuphatikiza komwe kumayenderana bwino, liwiro, ndi kuwongolera. Tsogolo la malipiro mwina silidzasintha mtundu wina ndi wina - lidzawaphatikiza kukhala chinthu cholimba, chowonekera bwino, komanso chogwirizana bwino ndi momwe bizinesi yamakono imagwirira ntchito padziko lonse lapansi.
