Qiwi Wallet: ukubuyekezwa. Qiwi isikhwama electronic. Izibuyekezo kohlelo lokukhokha Qiwi

QIWI electronic yokukhokhelana ingenye brand liyabonakala kakhulu eRussia emakethe yayo ingxenye. Ungayisebenzisa ngokusebenzisa imishini off-line kanti inqwaba amathuluzi inthanethi - esibonakalayo web-based noma, isibonelo, isicelo ephathekayo. Yiziphi izici uhlelo lokukhokha? Njengoba kuye ukusebenza amazwana abasebenzisi?

ulwazi olujwayelekile

QIWI esikhwameni - lena yokukhokhelana isiRashiya, akhiwa iqembu izinkampani of the gama elifanayo. Leli thuluzi sezimali kwenza nikwazi ukwenza izinkokhelo futhi ukudlulisa kwemali anhlobonhlobo. Kukhona inala izindlela ongasebenzisa QIWI Wallet: ngokusebenzisa esigungwini ngokusebenzisa esibonakalayo web, noma ngohlelo lokusebenza lweselula. Le sevisi yokukhokha ikuvumela ukukhokhela izinsiza, ubuyise esele ngomakhalekhukhwini, ukukhokhela internet, ukuba abuyisele ukubolekisa, ukuthenga amathikithi endiza, isitimela - futhi lokhu akuyona neze uhlu oluphelele lwazo amathuba yesevisi.

QIWI Wallet phakathi edume kakhulu izinhlelo zokukhokha Russian kanye nezinsiza ezifana "Yandex. Imali", i-Webmoney, PayPal. Ngokusho ulwazi oluthile ukubika inkonzo - ethandwa kakhulu emakethe Russian.

Ngo-2012, izinhlelo zokukhokha bafakwe jikelele brand inkampani nge Visa. QIWI isikhwama, sibonga lesi sivumelwano, waba nethuba ukukhipha amakhadi abo, yona eyaqala ukwenza i ukujabulela babathola esitebeleni, njengoba kwaphawula u-ochwepheshe abaningi, isidingo phakathi abasebenzisi Russian. Ngemva kwesikhashana sizofunda imininingwane yalolu sevisi, eyabonakala ngenxa nokubambisana QIWI kanye ne-Visa.

Indlela yokusebenzisa QIWI

Sebenzisa lolu instrument yezimali ilula. Ngokwanele ukuze ube isebenze le-SIM ezikweletini kwanoma yimuphi umqhubi Russian. Iqiniso ukuthi inombolo kamakhalekhukhwini - lena ID main lokukhokhisa, esebenzisa QIWI esikhwameni. New uhlelo lokubhalisa iklayenti lwenteke kulamazinga lalandzelako: isayithi. Udinga ukufaka, e inombolo yefoni Eqinisweni, bese ulinda i-SMS nge-password. Khona-ke kungashintshwa uwedwa. Uma umuntu nerejista QIWI esikhwameni sabo ku-akhawunti yakho ye-akhawunti uyobheka njengoba nje eqinisweni, inombolo yeselula. Okusho ukuthi, uma othile efuna ukudlulisa imali yakhe, khona-ke akukho ama-ID ezengeziwe kuyodingeka.

Gcwalisani up ibhalansi QIWI esikhwameni kungaba ngezindlela ezihlukahlukene. Ngokwesiko kubhekwe ukubandakanywa esibulalayo esinegama, okuyinto emadolobheni amaningi aseRussia. Futhi QIWI Inkampani elahlanganyela ezinye yokukhokha izinhlaba etholakalayo kumadivaysi ezifanayo. Gcwalisa ku-akhawunti QIWI esikhwameni kanye umsebenzisi angasebenzisa kubo.

Enye - ukuze uthumele imali ikhadi ebhange. Nokho, kumelwe ifakwe algorithm uhlelo ukuxhumanisa i-akhawunti yakho. Ingena ngokusebenzisa inombolo ekhethekile esibonakalayo nezinye ikhadi idatha edingekayo, kuzomele ulinde kuze ohlelweni ucela ukuthi uqinisekise inombolo ezifanele Ukubophezeleka, ilingana le checksum, okuyinto lizokhokhiswa ku-akhawunti yasebhange yomsebenzisi. Ikhredithi izimali ukuba silinganisele QIWI unga ngokusebenzisa emahhovisi ethandwa mobile izitolo ifoni, ATM amabhange amaningi. Abasebenzisi umxhwele inqwaba izindlela ubuyise QIWI esikhwameni. Ikhasimende uhlelo impendulo uqinisekise lesi.

Manje siyathola ukuthi ungakwazi ukuletha nge-QIWI isikhwama semali. Lokhu kungenziwa ngokukhumula sokudlulisela akhawunti yasebhange ekhadini, noma ngebhayisikili simiso ukudlulisa kwemali. Ungase futhi imali uma umnini ikhadi esikhwameni QIWI Visa Plastic. Leli thuluzi ozokhuluma kamuva.

QIWI: * Ihhovisi likakhansela

Yiziphi ezisobala kakhulu inzuzo yokuncintisana QIWI esikhwameni ngaphezulu kwezinye izinhlelo zokukhokha? Kufanele kuqashelwe ukuthi ochwepheshe abaningi abacabangayo bevuma ukuthi abahlinzeki Russian amasevisi afanele - okungenani labo ezisohlwini izimakethe phambili - ukunikeza abasebenzisi zabo lulonke lusesimweni isethi efanayo kakhulu amasevisi. Ezinye brand, uma lidlule nesincintisana okuthile, cishe ngaso sonke isikhathi ezitholakala ukusebenza kwabo nazo nemibi.

Uma sikhuluma uyabaqinisa kuhlolwe ohlelweni lokukhokha, ochwepheshe abaningi bathi inombolo liyefana yini ucingo QIWI esikhwameni, futhi kulula ukukhumbula. Nakuba nezinye abahlinzeki iningi lezinhlelo efanayo akhawunti e abonakala ngamandla isikhathi eside kakhulu izinombolo akhawunti siqu. It odlale, izazi zikholelwa indima ebalulekile ngokuwina isikhundla okuholela emakethe, lapho itholakala QIWI esikhwameni. Izibuyekezo abasebenzisi abaningi kuqinisekisa lokhu: abantu baqaphela ukuthi ukhethe lokhu ohlelweni lokukhokha for ukuhlonza lula.

Ubufakazi ungubani

Ngenxa yesimo oshayiwe Russian nge eziningi nakuyi-Internet e kwezezimali kufanele ziqinisekiswe ubunikazi kumuntu owenza kubo. Kuyinto ayihlukile neze futhi QIWI esikhwameni. Bhalisa, ekhishwa umakhalekhukhwini - kunemidanti enganele kusukela iphuzu Ngenxa ezinye izenzo zomthetho. Abasebenzisi kohlelo kudingeka ukuqinisekisa ubuwena kwabo usebenzisa eyodwa lezinketho zokukhokha olunikezwa ohlelweni. Njengomthetho, kuhlobene ukuhlinzekwa kwezinsizakalo, abasemaqenjini QIWI, iphasipoti idatha. Ngemva kwesikhashana, sicwaninga ngesici eveza isidingo zokuqinisekisa ohlelweni lokukhokha kabanzi. Ukuze afakazele ubuwena, ungakwazi ukufinyelela cishe yonke imisebenzi ahlinzekwa yi-QIWI esikhwameni. Ikhadi Visa, ngokukhethekile, angasayindwa ngaphansi isimo yimpumelelo inkonzo ukuhlonza ikhasimende.

Nokho, Ungakwazi kuqashelwe ukuthi, kusukela imfuneko ukudalula ungubani abasebenzisi izinhlelo e-lokukhokha eyasungulwa umthetho kahulumeni, kuholele ukusebenza yayo ngokusho kwakhe kufanele zonke nabahlinzeka ngemisebenzi efanele. Lokho QIWI isimiso akukwazi kulesi sici wokuncintisana kakhudlwana kunamanye abadlali emakethe.

Umlando kanye nezici imodeli yebhizinisi

Le nkampani "OSMP", okuyinto ophethe amalungelo sha QIWI, bavele emakethe ngo-2004. Nokho, ukukhokhela uhlelo ezimele yasungulwa kuphela ngo-2008. Ngonyaka olandelayo, ngemva emakethe QIWI brand wethulwa, inkampani "OSMP" usezuze amafa lomunye ezinkulu lokukhokha uhlelo - E-port. Ukunwetshwa asebenzayo amasevisi ngezigaba ezehlukene. Ikakhulu, i-sizogxila kakhulu ekuthuthukisweni kwe-sha ubelokhu ukusakazwa off-line ezikhumulweni, ukuthatha amanothi.

Kwaphela isikhathi eside, e-isikhwama QIWI angamukela izinkokhelo zifakwe ku-akhawunti nezinye izinhlelo, ezifana, isibonelo, "Yandex. Imali », RBK-Money, Webtransfer. Nokho, kusukela ngo-2011 ukuhlanganiswa ngqo ka-QIWI kanye namanye amasevisi ukukhokhelwa eziningi okwamiswa ngalo ukuba iqalise. Kokunye okufushane lokhu kwakwenziwa ukuze sinciphise mncintiswano.

Ngo-2013, ngokusebenzisa isikhwama electronic abasebenzisi QIWI bakwazi ukwenza microloans inthanethi. Lokhu yokukhokhelana inkonzo waqala ukuhlinzeka ngokubambisana neNhlangano Platiza - ngomunye wabokuqala eRussia banikeli bemisebenzi emisha ngesikhathi abolekise ingxenye.

Ukulawula esigxotsheni inkampani eyingxenye yazo ukuphathwa kwenkampani, kuhlanganise umsunguli wayo, u-Andrey Romanenko. ingxenye enkulu Mail.Ru Group - kuba 21.4%. Futhi ingxenye amasheya ephethwe ngu-QIWI Japanese corporation Mitsui Fudosan. Jikelele Umqondisi QIWI - Sergey Solonin. Ngo kuhanjiswa salo ibhodi yabaqondisi, iphrojekthi ihhovisi kanye nezinye ukwahlukana ayisihluthulelo inkampani.

QIWI kanye ne-Visa

Cabanga imininingwane ezenziwa QIWI ndawonye nomunye ngobukhulu ukucutshungulwa brand emhlabeni - Visa. Njengoba yaziwa, Visa ngokukhethekile ukuhlinzeka izinkokhelo nge credit card. Empeleni, lena isihloko wokubambisana phakathi inkampani Russian kanye ne-Visa.

QIWI ikhipha amakhadi epulasitiki, Visa futhi ukhonza nabo. inkampani Domestic wakwazi ukwandisa emakethe, futhi US - ukuqinisa isikhundla salo ezikhulayo Russian emakethe, kuhlanganise emkhakheni yokukhokha online. bobabili corporations ngiyikhiphile ukumaketha brand new - Visa QIWI Wallet. Isikhwama semali, umnyango okuyinto eyenziwa umakhalekhukhwini, ngakho-ke, kuboshelwe omunye nezixazululo ezihlongozwayo yinkampani American. Lokhu "digital" ikhadi Visa noma plastic egcwele. Futhi QIWI kanye ne-Visa ukunikela umkhiqizo ezithakazelisayo Virtual. Yiziphi izici ukusetshenziswa ngamunye amakhadi?

Amamephu: digital and plastic

ikhadi "Digital", noma QIWI Visa Card, yakhelwe ukukhokhela izimpahla kanye nezinsizakalo ku-intanethi. Okungukuthi, umsebenzisi angakwazi, ngokufaka inombolo yayo ye-serial kanye nenye idatha, ukhokhe nge online shopping, ukuthenga amathikithi for indiza noma isitimela kumasayithi ezikhethekile nokwenza ezinye izinkokhelo, okuyinto badinga ikhadi lasebhange.

Futhi, "plastic" kusukela QIWI kanye ne-Visa - empeleni ikhadi lasebhange agcwele. Ungayisebenzisa ukuze ukuhoxisa ukheshi kusuka ATM, ukukhokha izitolo - Russian angaphandle. Futhi, ngokusebenzisa ke ungakwazi ukuhoxisa ukheshi kusuka isikhwama kunoma iyiphi i-ATM eRussia nakwamanye amazwe, okuyinto isevisi Visa.

QIWI Wallet inikeza abasebenzisi bayo elinye ithuluzi ezithakazelisayo - QIWI Visa Virtual. Kungashiwo, futhi, "virtual" analog ikhadi plastic. Ukusebenza Its iyefana nesika-QIWI Visa Card, kodwa ungaboshwa akhawunti yomsebenzisi QIWI. Inzuzo kwalo mkhiqizo iwukuthi kungakwenza Ngokwesibonelo, ukunikeza.

Qaphela ukuthi imikhiqizo ezifana nalezo saxoxa ngaphambi, inkampani inikeza abasebenzisi bayo QIWI, kunezinye abahlinzeki abaningi Russian izisombululo electronic lokukhokha. . Ngokwesibonelo, abanikazi "Yandex Wallet" nethuba ukusebenzisa amakhadi esikhishwa inkampani Russian ngokubambisana neNhlangano main esincintisana Visa ukucutshungulwa emakethe - MasterCard. Njengoba kunjalo nge-QIWI, e "Yandex" amakhadi abe "virtual" futhi egcwele plastic.

Ngakho, sibonga ubambiswano Visa, uhlelo Russian inikeza abasebenzisi nge cishe zonke izinsimbi ezinkulu ukukhokhelwa, okuyinto ethulwa emakethe namuhla - interface inthanethi terminals, kanye credit cards. Nokho, ukubambisana QIWI iqhubeka yanda. Esinye sezibonelo engcono - nokubambisana yokukhokha ngomshini i ne "MegaFon". Sizokwenza ukufunda imininingwane ngokubambisana.

QIWI futhi "MegaFon"

Phakathi izindaba zakamuva kakhulu emakethe Russian izinkokhelo electronic - ukudalwa brand amabili Russian ngesisekelo umkhiqizo inani inkonzo QIWI esikhwameni "megaphone. Imali. " Njengoba idatha ku imithombo eminingana, inkampani elihambisana isivumelwano babe eside ngokwanele. Ngaphambi kokuba uqale inkampani joint iphrojekthi cishe unyaka thina yaqondisa imininingwane yezobuchwepheshe. Ngenxa yalokhu, kuba umkhiqizo okuyinto, ngokusho kwabanye ochwepheshe, kodwa akanayo analogue emakethe Russian.

Sebebonke isikhwama electronic kuvula ababhalisile "megaphone" has a ezahlukene amathuba ukuze ukhokhe electronic. Ngomqondo onabile, ngolunye ongasho ukuthi amakhasimende opharetha baye baba etholakala cishe zonke amathuluzi abe-QIWI esikhwameni. Kulokhu, ungenza izinkokhelo usebenzisa esele akhawunti - lena ngokucacile we umkhiqizo omusha. Esinye isici esiphawulekayo ukusetshenziswa kwemisebenzi ngokuhlanganyela ochwepheshe biza nokukhokhwa yezinzuzo ababhalisile of "MegaFon" ngokuba inkokhelo ikhomishini. Basuke uyasho kokusele umsebenzisi. Inani wabo 0.5% semali ezimenze wangakwazi ukukhokha uma ngaphandle ukukhokhelwa amasevisi opharetha amaselula. Esinye isimo ibhonasi ukuthi ukukhokhelwa kufanele aphathelane labo okuyiwona uhlelo akuthathi ikhomishana. Lesi sici, okuyinto anikezwa "MegaFon" futhi QIWI esikhwameni, abasebenzisi zangempela kanye nochwepheshe imvelo lithole omuhle kakhulu.

Interface isevisi ekuvumela obhalisele "MegaFon" ukubona ibhalansi yakho, ashona, futhi ukudluliswa kwemali kwi-akhawunti kwabangane nezihlobo zakho. Kungenzeka ukuthi lilungiselele kukho, lapho ibhalansi abanye abantu nazo zizobonakala umsebenzisi: salokhu, omunye kumelwe ukuthumela isicelo umngane wakhe, ngubani uqinisekise kwemvume yabo ukuhlinzekwa imininingwane akhawunti yakho siqu. Lokhu kuyasiza uma, isibonelo, abazali bafuna izingane ibhalansi ocingweni lalibuswa. Kulindeleke ukuthi maduze QIWI futhi "MegaFon" bazosungula futhi umkhiqizo ikhadi.

Innovations emthethweni

Ngenhla sibonile ukuthi umthetho waseRussia ngokwanele ngokuqinile ulawula izinkokhelo electronic ngaphakathi Insimu Russian Federation. Ngesikhathi esifanayo, njengoba kwaphawula u-ezinye izazi, izici efanele komthetho ivame ukuba kokuqina kancane kancane. Ngokwesibonelo, muva nje e-Duma kukhipha umthetho, kuhlanganise nokuncipha lemali ukudluliswa electron phakathi kwabasebenzisi kabani ubunikazi baye alikaqinisekiswa, kuze ayizinkulungwane 1. Ruble. Nakuba namuhla leli nani kuyinto ayizinkulungwane 15. Ruble. Futhi, uMthethosivivinywa iqukethe amagama abekwe ngayo owawuthi lemali emalini ku-akhawunti electronic yokukhokhelana singadluli ayizinkulungwane 5. Hlikihla., Uma, ngokufanele, umsebenzisi akakaqinisekisi akhe identity. Manje lesi sibalo futhi inkulungwane 15. Ruble.

Lokhu isinyathelo zomthetho, ngokusho kongoti eziningi, wakhonza njengesici esibangela i-iconsi elibukhali QIWI izingcaphuno phezu NASDAQ stock exchange ngoJanuwari 2015. Ngakho, phakathi nomunye wemikhankaso session zokuhweba, uhlu izinkampani Russian kwehle ngo-ezingaphezu kuka-19%. Wabelana unqabile kakhulu QIWI futhi MICEX - by 7%. Abaphathi abaphezulu we Russian yokukhokhelana imibono abezindaba esesho ukuthi wethemba ukuthi lo mthethosivivinywa isazoqhubeka ilungiswe esivuna ukuthambisa kumagama. Noma, ngokwesibonelo, i-instrument efanele yezomthetho zizonikezwa ithuba lula uma ziqhathaniswa isikimu samanje izinqubo zokuqinisekisa. Futhi ubuholi QIWI uzwakalise ukulungela ukuthumela abameleli bayo ukuba iqhaza eqenjini abasebenza ngalolu daba.

Ngokusho abasebenzisi bayo

Yini abasebenzisi Russian abathintekayo isikhwama QIWI? Izibuyekezo Customer lenkampani, owayenokuhlangenwe nakho nale uhlelo lokukhokha, ngokuvamile, omuhle. Ziyakwazi ingxenye enkulu aneliseke amasevisi esinikezayo. Ikakhulukazi, ngendlela enhle abantu bathi ukuhumusha ku-QIWI esikhwameni imali kahle kulula - ungakwenza ngokusebenzisa ukugcina, futhi esebenzisa i-credit card.

Dumisani uhlelo izinqumo ukuthi yethulwe ngokuhlanganyela Visa. Ikakhulukazi abasebenzisi elula ngokuthi "digital" inguqulo ye ikhadi lokukhokha, okuthiwa QIWI Visa Card. Ikakhulu, i-HIV kugcizelela ukuthi agcwaliswa efanayo ngokusebenzisa imishini ngempela ngokuvamile nazo. QIWI Wallet kukholakala abasebenzisi, ikuvumela ukuba ukhokhe ingxenye enkulu yomsebenzi amasevisi nsuku zonke, futhi kakhulu kuyaqabukela isidingo ukuthola amanye yokukhokha, noma iya ebhange ukuze ukwenza inkokhelo edingekayo.

It yaphawula high technical support. Ikakhulukazi, abasebenzisi abaningi babenezinkinga ukubekwa ayilungile kwezimali ku-akhawunti. Ezimweni eziningi, lolu hlobo simo ngosizo ukweseka zalunga ngokushesha okukhulu.

Inombolo uhlelo amaphutha kwaphawula abasebenzisi, zihlanganisa yokuthi izinkonzo eziningi ukukhokha QIWI isikhwama ivumela, inqobo ikhomishana kuqhathaniswa eliphezulu. Futhi, amakhasimende amaningi QIWI bakholelwa ukuthi inkampani kungaba wusizo ukunweba inethiwekhi umlingani: e eziningi izinhlelo third-party akunakwenzeka ukuba ashona akhawunti umhlinzeki elikhulu services electronic lokukhokha waseRussia.