natalbmikhalna (natalbmikhalna) wrote,

Объяснение цифрового кошелька.

  • Face-to-face: Usually, the way this works is as follows: the wallet application interacts directly with the merchant's contactless reader to perform an EMV transaction. The communications between the wallet and the reader is NFC-based. I.e. not using the Internet. Examples of this are Apple Pay & Google Pay contactless payments. The benefit of wallets operating in this way is that they can use the existing card rails - every payment terminal these days should support contactless payments. There are other approaches, for example using a barcode reader at the point of sale. Tesco's Pay+ wallet uses this method. However this is a more bespoke approach and will only work where there's a barcode reader at the point of sale and the merchant system has performed the integration work to this wallet provider. Some advice to any digital wallet operator (DWO) who wants to operate in the face-to-face payment space: build a contactless-capable wallet application, otherwise your adoption will remain niche. For EMV-contactless digital wallets, the face-to-face payment terminal doesn't need to be aware of the specific wallet used. So long as the wallet presents a supported card, it just works.

Насколько поняла,
в идеале, у покупателя может быть любой цифровой кошелёк, хоть гугл, хоть аппл или ещё какой, но у продавца должно быть специальное приложение для считывания всех кошельков.
Тогда всё может происходить без интернета "лицом-к-лицу" и бесконтактно.

  • Staged Digital Wallet: This is where the funding and payment stages are decoupled. You need to "load-up" your wallet before you can use it for payments. Examples of this are: PayPal and most cryptocurrency wallets.

  • Pass-through Digital Wallet: Here the wallet is simply acting as a proxy for a real card (or cards), and the wallet itself doesn't have its own balance. Examples: Apple Pay, Google Pay.

Покупатель может положить на кошелёк деньги, видимо, перевести из банка. Но может и не класть, а просто подсоединить банковский счёт или карту. И именно о втором говорится в моём предыдущем посте Banking for All Act.
Думаю, что первый может стать удобным для родителей - положить определённую сумму дитяте на расходы по-мелочи, пусть привыкает деньги считать.))
Tags: деньжата, крипто

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