Qiwi Wallet: ncomo. Qiwi isikhwama elektroniki. Izimvo inkqubo yentlawulo yelizwe Qiwi

inkqubo yentlawulo ngekhompyutha QIWI ngomnye brand ezaziwa kakhulu eRashiya e kwicandelo layo emarikeni. Uyakwazi ukusebenzisa ngokusebenzisa iiclamps off-line kwaye inani elikhulu izixhobo intanethi - ujongano web-based okanye, umzekelo, isicelo mobile. Ziintoni iimpawu inkqubo yentlawulo yelizwe? Njengokuba kuye ukusebenza amagqabaza kubasebenzisi?

ulwazi jikelele

QIWI isipaji - oku inkqubo yentlawulo Russian, saphuhliswa liqela leenkampani kwegama elifanayo. Esi sixhobo yemali ikuvumela ukuba wenze intlawulo kunye transfers imali uluhlu olubanzi. Kukho ezininzi iindlela zokusebenzisa QIWI Wallet; okanye nge-terminal ngokusebenzisa ujongano web, ngokusebenzisa i-app mobile. Le nkonzo intlawulo ikuvumela ukuba uhlawulele eziluncedo, nizalise esele iselfowuni, kuhlawulela intanethi, ukuhlawula iimali-mboleko, bathenge amatikiti moya, uloliwe - kwaye oku ngokuqinisekileyo uluhlu alupheli lwe amathuba zenkonzo.

QIWI Wallet phakathi idumileyo kwiinkqubo intlawulo Russian kunye neenkonzo ezifana "Yandex. Imali", Webmoney, PayPal. Ngokutsho inkonzo ingxelo ezinye iinkcukacha - kakhulu ethandwa kwimalike Russian.

Ngo-2012, iinkqubo zentlawulo bafakwe uphawu inkampani lulonke kunye Visa. QIWI yamphako, enkosi kwesi sivumelwano, kwafuneka ithuba lokuba akhuphe amakhadi abo, eyaqala ukonwabela ezinzileyo, njengoko kuqatshelwe ziingcali ezininzi, imfuno phakathi kubasebenzisi Russian. Emva kwethutyana siza kufunda nkcukacha wenkonzo, owayebonakele ngenxa intsebenziswano QIWI kunye Visa.

Indlela yokusebenzisa QIWI

Sebenzisa le sixhobo zemali ilula. Yanele ukuba esebenzayo SIM khadi nawuphi na umnini wesithuthi Russian. Into yokuba inani cell phone - le ID kwee engundoqo, leyo esebenzisa QIWI esipajini. inkqubo yobhaliso client entsha kwisiza. Kufuneka ukuba ufake, enyanisweni, inombolo yefowuni uze ulinde SMS nge password. Emva kokuba itshintshwe ngokwakho. Xa umntu Iirejista isipaji lwabo QIWI kwi-akhawunti yakho akhawunti uya kukhangela kanye njengokuba, enyanisweni, inombolo yeselula. Oko kukuthi, ukuba umntu ofuna imali yakhe, ngoko akukho ID ezongezelelweyo ziya kufunwa.

Gcwalisa up eseleyo QIWI isipaji inokuba ezahlukahlukeneyo ngeendlela. Ngokwemveli ingqalelo inxaxheba terminal sokuthengisa, olukuye ezininzi kwizixeko Russian. Kwakhona QIWI Inkampani wangena ngentsebenziswano ezinye iinkqubo zentlawulo-elektroniki ezifumanekayo izixhobo ezifanayo. Gcwalisa kwi akhawunti QIWI isipaji kwaye umsebenzisi ukwazi ukuzisebenzisa.

Enye indlela - ukuba imali evela ikhadi ebhankini. Nakuba kunjalo, kufuneka zifakelwe algorithm isixokelelwano ukudibanisa kwi-akhawunti yakho. Ukungena ngokusebenzisa inombolo ujongano ekhethekileyo nezinye ikhadi iinkcukacha ezifunekayo, kufuneka alinde de nkqubo likucela ukuba uqinisekise inani elifanelekileyo lwezibophelelo, lingana le checksum, nto leyo iya kuhlawuliswa kwi-akhawunti yebhanki lomsebenzisi. Banikeze imali ukulungelelanisa QIWI uyakwazi kwakhona ngokusebenzisa ofisi iivenkile ezithandwayo mobile phone,-ATM yeebhanki ezininzi. Le abasebenzisi bachukunyiswa inani elikhulu iindlela ngazo ukuba nizalise QIWI esipajini. inkqubo impendulo Customer ukuqinisekisa oku.

Ngoku sifumanisa ukuba uyakwazi kunye semali QIWI. Oku kunokwenziwa zigqithiselwe -akhawunti yebhanki ukuba ikhadi, okanye inkqubo ibhayisikile wokuthunyelwa imali. Unako kwakhona cash ukuba umnini unalo ikhadi isipaji QIWI Visa Plastic. Esi sixhobo siza kuthetha kamva.

QIWI: loncedo lokhuphiswano

Zeziphi ezininzi ezicacileyo inzuzo kukhuphiswano QIWI isipaji phezu kwezinye iinkqubo zentlawulo? Kufuneka kuqatshelwe ukuba iingcali abaninzi bayavuma ukuba abathengisi Russian ngeenkonzo ezifanelekileyo - ubuncinane abo zidweliswe kwiimarike yokukhokela - ukunikela abasebenzisi zabo lonke iseti efanayo kakhulu kweenkonzo. Ezinye iintlobo, ukuba bagqithisele okhuphisana into, oko phantse lonke ifumaneka ukusebenza kwabo nazo izinto ezingeloncedo.

Ukuba sithethe malunga namandla ingqalelo inkqubo yentlawulo yelizwe, iingcali ezininzi zithi inani efanayo komnxeba QIWI ningenangxowa yamali, kwaye kulula ukuba ukukhumbula. Nangona nabanye abanikezi ezininzi iinkonzo ezifanayo akhawunti ezichongiweyo ngamanani-akhawunti zakho elide kakhulu. Kuye idlalwa, iingcali zikholelwa, indima ebalulekileyo ngokuphumelela indawo ekhokelayo kwimarike, apho ibekwe QIWI esipajini. Izimvo abasebenzisi abaninzi iyakungqina oku: abantu baqonda ukuba ukhetha le nkqubo yentlawulo yesazisi lula.

Ubungqina besazisi

Ngenxa yobume umthetho Russian a lot of intengiselwano online kwizixhobo zemali ukuze kuqinisekiswa ngubani umntu owenza kubo. Yiloo nto ngaphandle kunye QIWI isipaji. Bhalisa, yimveliso ifowuni iseli - inkqubo ayoneli ukusuka kwindawo ngembono izenzo ezithile zomthetho. Abasebenzisi le nkqubo kufuneka ukuba ukuqinisekisa ukuba ungubani esebenzisa njengenye yeenketho intlawulo eyenziwa liSebe le nkqubo. Ngokuqhelekileyo, oko edibene kubonelelo ngeenkonzo, angengomalungu QIWI, data yokundwendwela. Kamva, sifunda umba leyo ibonisa imfuno yokuqinisekisa zezazisi kwinkqubo yentlawulo iinkcukacha ngakumbi. Ukungqina ungubani, unako ukufikelela phantse yonke imisebenzi eyenziwa QIWI esipajini. Ikhadi Visa, ingakumbi, zingaphunyezwa phantsi imeko ngempumelelo yomthengi inkonzo lokuzazisa.

na kunjalo, makuqatshelwe ukuba, ekubeni imfuneko ukuba aveze isazisi lwabasebenzisi lweenkqubo e-intlawulo emiselwe yi-mthetho federal, nesiphumo kusebenziso njengako nguye bonke ababoneleli ngeenkonzo ezifanelekileyo. Loo nto ayinakuba QIWI okwexeshana nkalo ukukhuphisana ngaphezu kwezinye abadlali emarikeni.

Imbali neempawu yemodeli ishishini

Inkampani "OSMP", ophethe amalungelo uphawu QIWI, gqi kwimarike ngo-2004. Nangona kunjalo, inkqubo yentlawulo oluzimeleyo yasungulwa ngo-2008. Kunyaka olandelayo, emva emarikeni QIWI uphawu laphehlelelwa, inkampani "OSMP" ifumene impahla kwenye inkqubo enkulu yentlawulo - E-port. Ulwandiso esebenzayo kweenkonzo ngezigaba ezahlukeneyo. Ngokukodwa, ugxininiso ngamandla kuphuhliso uphawu ibe nokusasazwa ezinjengeetheminali off-line, ukuthatha amanqaku.

Kangangexesha elide, e-isipaji QIWI nga bayazamkela iintlawulo ukuba kufakwa kwi-akhawunti ka nezinye iinkqubo, ezifana, umzekelo, "Yandex. Imali », RBK-Imali, Webtransfer. Noko ke, ukususela ngo-2011 ukudityaniswa ngqo QIWI kunye nezinye iinkonzo intlawulo abaninzi bayeka ukuba iphunyezwe. Komnye inguqulelo oku kwenziwa ukuze ukunciphisa ukhuphiswano.

Ngo-2013, ngenxa isipaji electronic abasebenzisi QIWI bakwazi ukwenza microloans intanethi. Le nkqubo yentlawulo wenkonzo ukubonelela ngentsebenziswano Platiza - enye yokuqala eRashiya kubaniki-nkonzo kwindawo entsha ngexesha ezibolekisa ingxenye.

emhandzini Ukulawula kule nkampani bobabo yolawulo yenkampani, kuquka umseki wayo, Andrey Romanenko. inani elikhulu Mail.Ru Group - kuba yi 21.4%. Kwakhona yinxalenye ezabelo ngeye QIWI Japanese corporation Mitsui Fudosan. UMlawuli Jikelele QIWI - Sergey Solonin. Xa isicelo wayo ebhodi yabalawuli, ofisi projekthi kunye namanye amaqela aphambili kule nkampani.

QIWI and Visa

Cinga nkcukacha iinkonzo ezibonelelwa QIWI kunye nomnye brand inkqubo inkulu ehlabathini - Visa. Njengoko yaziwa, Visa ligxininisa ekunikeni iintlawulo ngokusebenzisa amakhadi ngetyala. Enyanisweni, lo zangumxholo wentsebenziswano phakathi inkampani Russian kunye Visa.

QIWI likhupha amakhadi zeplastiki, Visa yaye ukhonza nabo. inkampani Domestic yakwazi ukwandisa emarikeni, kwaye US - ukomeleza indawo yayo kwimarike Russian ezikhulayo, kuquka entsimini yentlawulo online. baye Zombini iinkampani bazisa kukuthengisa brand new - Visa QIWI Wallet. Yamali, umnyango apho wenziwa ifowuni eyiselula, ke ngoko, ibotshelelwe kwenye sisombululo siphakanyiswayo yinkampani yaseMelika. Eli khadi "yedijithali" Visa okanye iplastiki ngokupheleleyo. Kwakhona QIWI and Visa zinika imveliso umdla Virtual. Ziintoni iimpawu zokusetyenziswa ngamnye amakhadi?

Maps: digital kunye zeplastiki

card "Digital", okanye QIWI Visa Card, eyenzelwe ukuba okuhlawulela iimpahla neenkonzo kwi-Internet. Oko kukuthi, umsebenzisi akanokukwazi, engena serial number kunye nezinye iinkcukacha ngokuthi, ahlawule bethenga intanethi, ukuthenga amatikiti moya okanye uloliwe kwisayithi ezizodwa kunye nokwenza ezinye iintlawulo, ekufuneka ikhadi lebhanki.

Ngenxa yoko, i "yeplastiki 'ukusuka QIWI kunye Visa - ngenene ikhadi lebhanki yinxalenye. Unga sebenzisa oku ukuba ukurhoxisa imali evela-ATM, ahlawule ezivenkileni - Russian angaphandle. Kwakhona, ngokulisebenzisa unako ukurhoxisa imali engxoweni na ATM ngaphakathi eRashiya nakwamanye amazwe, nto leyo iinkonzo Visa.

QIWI Wallet inikeza abasebenzisi bayo esinye isixhobo umdla - QIWI Visa Virtual. Kunokuthiwa, kakhulu, "enembonakalo yenyani" analog ye ikhadi zeplastiki. ukusebenza kwayo nkolelo iyafana naleyo QIWI Visa Card, kodwa hayi ebotshelelwe QIWI akhawunti lomsebenzisi. Abaxhamla kule mveliso kukuba, umzekelo, ukuba ndikunike.

Qaphela ukuba iimveliso ezifana nezo siye saxubusha ngaphambili, inkampani inika abasebenzisi bayo QIWI, kukho ezinye zabathengisi ezininzi Russian kwezisombululo nokuhlawula ngomatshini. . Umzekelo, abanini "Yandex Wallet" banethuba ukusebenzisa amakhadi ekhutshwe yinkampani Russian ngentsebenziswano kunye engundoqo processing okhuphisana Bonisa ezivenkileni - MasterCard. Kanye njengokuba kunjalo QIWI, ngo "Yandex" amakhadi abe "enembonakalo yenyani" ezele zeplastiki.

Ngenxa yoko, ngenxa ubambiswano kunye MVUME LOKUNDWENDWELA LEXESHANA, inkqubo Russian ibonelela abasebenzisi phantse zonke izixhobo yentlawulo ezinkulu, apho thaca kwi kwimarike namhlanje - ujongano online kunye ezinjengeetheminali, kwakunye credit cards. Noko ke, intsebenziswano QIWI kuqhubeka ngokwandisa. inkqubo yentlawulo ngekhompyutha ngentsebenziswano "MegaFon" - Omnye weyona mizekelo kakhulu. Siza kufunda iinkcukacha yentsebenziswano.

QIWI and "MegaFon"

Phakathi iindaba zakutshanje ze imarike Russian kwentlawulo elektroniki - nokudalwa brand ezimbini Russian ngokususela kwimveliso iyonke kunye QIWI inkonzo isipaji "megaphone. Imali. " Njengoko data kwiqela kwimithombo, inkampani ehambelana kwisivumelwano sekukade ngokwaneleyo. Phambi kokuba uqale inkampani kwiprojekthi edibeneyo malunga konyaka iququzelele iinkcukacha zobugcisa. Oku kukhokelela imveliso leyo, ngokutsho kwezinye iingcali, kodwa akukho analogue kwimarike Russian.

Awukhankanyi ehlangene elektroniki uyamvulela barhumela "megaphone" enoluhlu olubanzi amathuba iintlawulo ngekhompyutha. Enyanisweni, umntu unako ukuba abathengi somqhubi baye iyafumaneka phantse zonke izixhobo kufuneka QIWI isipaji. Kulo mzekelo, ungenza intlawulo ngokusebenzisa imali eseleyo kwi-akhawunti - oku ingakumbi imveliso entsha. Omnye umba ophawulekayo zokusetyenziswa ziingcali iinkonzo ezidibeneyo ukubiza intlawulo ezonwabisayo kubabhalisi of "MegaFon 'ukuba iintlawulo ikhomishini. Bona kwimali eseleyo umsebenzisi. ixabiso yabo 0.5% yemali lokwenza intlawulo ukuba ngaphandle ukuhlawula iinkonzo abaqhubi cellular. Enye imeko bhonasi kukuba intlawulo kufuneka inxulumene kwabo apho le nkqubo uthatha ikhomishini. Lo msebenzi, nto leyo enikezelwa yi "MegaFon" kunye QIWI yamali, umsebenzisi kunye neengcali kwi-bume ifumene esihle kakhulu.

Inkonzo interface ikuvumela ukuba lwababhalise "MegaFon" ukubona balansi yakho, uyitshaje oko, yaye imali transfer kwi-akhawunti abahlobo nezalamane. Kuyenzeka ukuba ukuqwalasela khetho, apho intsalela nabanye abantu nayo iya kubonakala kubo ngumsebenzisi; kuba oku, kufuneka uthumele isicelo nomhlobo wakhe, abo ukuqinisekisa kwemvume yabo nokubonelelwa iinkcukacha ze-akhawunti yakho. Oku kuluncedo ukuba, umzekelo, abazali bafuna abantwana imali eseleyo kwi yefoni phantsi kolawulo. Kulindeleke ukuba kungekudala QIWI and "MegaFon" azoqhuba imveliso ikhadi.

Ezintsha umthetho

Ngaphezu sibonile ukuba umthetho Russian silawula ngokwaneleyo ngokungqongqo iintlawulo ngekhompyutha ngaphakathi kummandla Russian Federation. Ngelo xesha, njengoko kuqatshelwe yi kwezinye iingcali, iinkalo ezifanelekileyo mthetho idla ngokuba ukuqinisa ngcembe. Ngokomzekelo, kutshanje kwi Duma laqalisa bill, kuquka ukucutheka zesixa transfer electron phakathi kwabasebenzisi bangabonakaliyo ndingenalo ozinzisiweyo, ukuya ku-1 amawaka. Engange. Nangona namhlanje eli xabiso ngu amawaka 15. Engange. Kwakhona, lo mthetho uyilwayo iqulathe amagama ngokwendlela apho inani eliphezulu mali zafakwa kwi-akhawunti kwinkqubo yentlawulo ngekhompyutha aziyi kuba ngaphezu kwe amawaka 5. Thambisani., Ukuba, ngokunjalo, umsebenzisi ayiqinisekiswanga ungubani. Ngoku eli nani 15 lamawaka. Engange.

Eli nyathelo lomthetho, ngokutsho iingcali ezininzi, wakhonza njengomba nokwehla okukhulu iingcaphulo QIWI kwi NASDAQ stock exchange ngoJanuwari 2015. Ngenxa yoko, ngexesha enye leseshoni zokurhweba, isalathisi iinkampani Russian lehle ngaphezu kwe-19%. Izabelo lehla ngokuqaphelekayo QIWI kunye MICEX - nge-7%. abaphathi Top kwenkqubo yentlawulo Russian kwi izimvo eendaba wabonakalisa ithemba lokuba ityala liya kuba ilungiswe egameni okuthambisa amagama. Okanye, umzekelo, xa kukho isixhobo afanelekileyo asemthethweni ziya kunikwa ithuba lula xa kuthelekiswa inkqubo yangoku iinkqubo ugximfizo. Kwakhona ubunkokheli QIWI uthe wavakalisa ukulungela ukuba zithumele abameli balo bathathe inxaxheba kwiqela ukusebenza ngalo mba.

Ngokutsho kubasebenzisi bayo

Yintoni abasebenzisi Russian ababandakanyekayo isipaji QIWI? Ukubuyekezwa Customer le nkampani, owaba amava kunye nenkqubo yentlawulo oku, ngokubanzi, eyakhayo. Baya kuba ubukhulu becala ukoneliseka ziinkonzo ezilunikayo. Ngokukodwa, ngendlela eyakhayo abantu bathi ukuba aguqulele yimali isipaji QIWI ngokufanelekileyo lula - ungakwenza oko nge-terminal, kwaye esebenzisa ikhadi lekhredithi.

Makabongwe inkqubo ngezigqibo ebiqaliswe kubanjiswene ne-Visa. Ingakumbi abasebenzisi lula obizwa "yedijithali" inguqulelo ikhadi sentlawulo, ekuthiwa QIWI Visa Card. Ngokukodwa, i-HIV ugxininisa into yokuba kubhaliwe zazaliswa efanayo ngokusebenzisa kwiitheminali kaninzi nazo. QIWI Wallet Kukholelwa ukuba abasebenzisi, it ikuvumela ukuba uhlawule isixa lweenkonzo ngemihla, yaye kunqabile kakhulu imfuneko ukufumana ezinye iindlela intlawulo, okanye yiya kwi ibhanki ukuze wenze intlawulo efunekayo.

It yaphawula umgangatho ophezulu ngenkxaso yobugcisa. Ngokukodwa, abasebenzisi abaninzi iingxaki kunye nokubekwa engeyiyo kwemali akhawunti. Kwiimeko ezininzi, olu hlobo meko ngoncedo nenkxaso zisonjululwe ngokukhawuleza kakhulu.

Phakathi kweempazamo zeenkqubo ezichazwe ngabasebenzisi kukuba iinkonzo ezininzi zokuhlawula i-wallet ye-QIWI zivumela ikhomishini ephakamileyo. Kwakhona, abaninzi abathengi be-QIWI bakholelwa ukuba kuya kuba luncedo kwinkampani yokwandisa inethiwekhi yomlingani wayo: kwiinkqubo ezininzi zenkampani yesithathu, akukho nanye into yokuzalisa i-akhawunti yomthengisi omkhulu waseRashiya weenkonzo zokuhlawula ngekhompyutha.