Imali ye-elekthronikhi - izinhlobo ezithandwayo kakhulu zezinhlelo zokukhokha

Imali ye-elekthronikhi - indlela evamile yokuthenga, kuphela ibalwa ngabo kuyi-intanethi. Ifana nekhadi lebhange, imisebenzi eminingi yenziwa ngokufanayo: ukukhokhwa kwempahla kunoma yiliphi izwe, ukukhokhelwa kwezinsizakalo, ngisho nokushintshanisa imali yangempela kwimali oyifunayo. Kukhona umehluko, okumele ucatshangelwe uma udala isikhwama esincane.

Iyini imali ye-elektroniki?

Abasebenzisi abaningi be-intanethi sebevele basebenza ngenkuthalo ngemali engokoqobo, futhi ochwepheshe ezinkambisweni zobuchwepheshe bazama konke okusemandleni abo ukuba bathole abancintisana ekunikezeni izinsizakalo. Imali ye-elekthronikhi igama elisetshenziselwa izincazelo eziningana:

1. Izindlela zokugcina nokudluliswa kwemali kazwelonke kanye yangasese.
2. Izibopho zemali zomuntu onomthwalo wemfanelo, ezigcinwe kumithombo yezobuchwepheshe.
3. Izinkokhelo zokukhokha.

Izikhwama ezibonakalayo zibalulekile kuma-freelancers abathola ku-intanethi . Lezi zikhwama zisebenza kwi-EPS - izinhlelo zokukhokha nge-elekthronikhi, ukwenza imisebenzi yamabhange amancane. Basebenza ezimbalwa, abanye baze bahlanganyele, banike abasebenzisi ikhono lokudlulisela imali kusuka esikhwameni esisodwa kuya kwesinye. Bakha amakhandlela epulasitiki, ayamukelwa yi-terminals. Imali ye-elekthronikhi ibheke kumabhange, basiza ukukhipha imali ngemali yangempela. Kunezindlela ezimbili zokwenza lokhu:

1. Ngeselula.
2. Nge-banking ye-intanethi.

Imali ye-elekthronikhi - izinzuzo nokuqapha

Imali entsha ye-elektroniki inezinzuzo nezinkinga zayo, ngakho-ke ayitholakali kakhulu ukusetshenziswa. Kodwa ngenxa yokuthi izinhlelo zabo ziqhubeka ziphuthuma, kungenzeka ukuthi ngokuhamba kwesikhathi, ukuthandwa kuyokwanda. Umthengi wemali kagesi:

1. Umthetho wezomthetho . Imali ebonakalayo emazweni amaningi ayamukeli, ukuthenga okukhulu kuzo ngeke kusebenze.
2. Inzuzo . Akuwona wonke umuntu osebenzisa imali ebonakalayo, okwenza kube nzima nakakhulu.
3. Ukuthembela kwezobuchwepheshe . Uma uhlala ngaphandle kokukhanya noma i-Intanethi - ukufinyelela kwemali kuzovaliwe.

Izinzuzo zemali kagesi:

1. Isivinini . Ukukhokha kwenziwa ngokushesha, ungadlulisela noma yiliphi inani kunoma yiliphi izwe.
2. Ukuzenzakalela . Konke ukudluliselwa kubalwa, imisebenzi isebenza yi-computer.
3. Ukulondolozwa . Le mali ayikwazi ukuphangwa noma ifakwe, ayikwazi ukulahleka noma yebiwe. Yonke imisebenzi ivikelwe ngokwethembeka yihlelo.
4. Ukuvikelwa . Ukubheja imali ye-elektroniki noma isikhwama kunzima kakhulu. Ukweba kusho, uma umsebenzisi esebenzise izinhlelo zokukhwabanisa.

Izinzuzo zemali ye-elektroniki

Nakuba uhlelo lokukhokha phezu kwe-Intanethi lufana nokuhlelwa kwezimali okungezona ukheshi, imali ebonakalayo isasondelene nekheshi: ukujikeleza kwabo kubomuntu, imininingwane yamaqembu ayaziwa. Izakhiwo zemali ye-elektroniki zinikeza izinzuzo eziningana:

1. Amaphesenti akhokhelwa ngokunemba okuphelele.
2. Intengo yenkohlakalo enesizotha: ukudala imali engokoqobo awudingi iphepha nopende.
3. Imali ayidingi ukuba ihlelwe kabusha ngesandla, yenza insimbi yokukhokha.
4. Asikho isidingo sokuvikelwa lapho ugcina amanani amakhulu.
5. Izinhlelo zokulungisa izinkokhelo.
6. Inani lemali esikhwameni ligcinwa isikhathi eside, akudingeki ukhokhe inzalo yensizakalo.

Izinkinga zemali ye-elektroniki

Ukusetshenziswa kwemali ye-electronic kunezinkinga zayo. Enye yezinto ezibonakala kakhulu ukuthembela okuphelele kwikhompyutha lapho kufakwe khona amafayela okuqaliswa. Uma i-PC ingekho ohlelweni, ngeke ukwazi ukungena esikhwameni sakho. Kukhona nezinye izinkinga:

1. Ukuxhumeka kwe-Inthanethi kokusebenza. Akuwona wonke umuntu futhi awunaso sonke isikhathi ithuba lokungena ku-inthanethi, ngakho-ke kwezinye izimo, ukufinyelela kwezimali kunqunyelwe.
2. Awukwazi ukudlulisela ngqo imali kusuka kumunye ukhokhe kuya kwesinye.
3. Izindlela zokuvikelwa kwe-cryptographic azikwazi ukugijima ngokwanele futhi zihlolwe, njengoba zizoziphatha ekusetshenzisweni okukhulu kwemali ye-elektroniki - namanje aziwa.

Izinhlobo zemali ze-elekthronikhi

Izinhlobo zemali electronic zifaka uhlelo RUpay, Stormpay, Moneybookers, Liqpay, "Isikhwama esisodwa", "Imali Mail", kodwa ayivamile ukusetshenziswa. Into esemqoka ukunquma ukuthi iyiphi injongo yekhredithi ye-virtual, ukuze kungabi khona ukudumazeka nokugqokwa. Ngokuthenga nokukhokha kwezimpahla ku-intanethi ngaphakathi kwe-Russia, zonke izinhlelo zingakwazi ukusingatha, kodwa ngezinkokhelo zangaphandle, i-WebMoney iyona engcono kakhulu. Izikhwama zihlukile:

1. Indlela yokugcwalisa kabusha: ATM, mobile, amakhadi.
2. IKhomishini yokuhamba kwezimali.
3. Amayunithi emali.
4. Izinga lokuphepha kwedatha yomsebenzisi nokudluliselwa.
5. Ukuthandwa kwesevisi.

Iyiphi imali e-elektroniki engcono? Izinhlelo ezikhokhwayo kakhulu zokukhokha kuze kube yimanje:

• I-WebMoney, yamukela kuzo zonke izitolo ze-intanethi, isevisi ewusizo kakhulu;
• I-Yandex-Imali, iyamukela kuphela ama-ruble, isikhombimsebenzisi esibonakalayo;
• I-Kiwi, hhayi izitolo ezithandwa kakhulu futhi ezise-intanethi, kodwa ikhokhwa kalula ngezinsizakalo ngokusebenzisa ukuphela.

I-Electronic Money WebMoney

Izinhlelo zemali ze-elekthronikhi zinemithetho yazo yokusetshenziswa, okufanele zicatshangelwe. Omunye wabokuqala owavela ku-WebMoney Transfer, ogcina izikhundla zobuholi endaweni. Lisetshenziswa ngamakhulu ezinkulungwane zabasebenzisi abakhuluma isiRashiya, kodwa akubona wonke umuntu owazi ukuthi kwamanye amazwe kunqatshelwe ukukhokha imali enjalo. Ezinye izici:

1. Uhlelo lusebenza ngamayunithi amane ezimali: idola, i-hryvnia, i-Belarusian kanye ne-ruble yaseRussia.
2. Noma yikuphi ukusebenza kwenziwa: kusukela ekukhokhweni kuya kokwamukelwa.
3. Ungakwazi ukugcwalisa isikhwama se-Savings Bank, ngokusebenzisa amakhadi namahhovisi okushintshanisa.
4. Ukuze uqinisekise ukuthi ungubani, kukhona ipasipoti elandwe ngokwanele.
5. Ukuvikelwa okuhle.
6. Ukuhoxiswa kwemali kuvunyelwe kuphela kwi-akhawunti yasebhange, okuqinisekisiwe.
7. Ama-commissions awawuthathi izimali ezingeni likahulumeni.

Imali ye-elekthronikhi Yandex

Okwesibili owaziwayo ohlelweni lwe-inthanethi yi- Yandex-Money , lwakhululwa eminyakeni engu-15 eyedlule ngokuqondile kumaRussia, ngakho-ke igxile kuphela emalini yasekhaya. Awukwazi ukudlulisela imali kwenye. Indlela yokusebenzisa isikhwama se-Yandex-Imali:

1. Dala ibhokisi lemeyili ku-Yandex, vula ithebhu "Imali" kulo bese uchofoza inkinobho ethi "Vula i-Wallet". Yenza ku-inombolo yakho yocingo.
2. I-akhawunti igcwaliswa ngamasekhondi, ama-ATM namagatsha asebhange, futhi izimali zihoxiswa - ekhadini le-Yandex-Imali noma ikhadi elivela ohlwini oluhlongozwayo lwamabhange.
3. IKhomishane yezenzo eziningi ayisusiwe.
4. Khokha izimpahla noma amasevisi abathengi kalula kusayithi.

I-Electronic Money Kiwi

I-electronic virtual kiwi imali ingaphezu kwepayipi ngaphakathi kwe-CIS, kodwa izitolo ze-intanethi ziyanqikaza ukusebenzisa lolu hlelo. Ukusebenza okuningi kwenziwa nge-terminals. Esikhathini esifanele sengeziwe:

1. Isikhwama siboshwe kwinombolo yeseli.
2. Ungafaka imali ngefoni ephathekayo, i-ATM kanye nokugcina.
3. Esikhathini sezimali ezine: ama-ruble, amadola, ama-euro kanye ne-Kazakhstan tenge.
4. Ukukhokha kuhamba nge-terminal noma ikhadi.
5. Ikhomishini ingaphansi kuka-2% yawo yonke imisebenzi.

Imali ye-Electronic Paypal

Ngezindinganiso zaseYurophu, imali engcono kakhulu ye-electronic yi-PayPal kusukela e-Bargaining emhlabeni e-eBay, eyamukelwa emazweni angu-203. Muva nje, uhlelo lungeze ukwesekwa kwezimali ezintsha. Ngokungafani nezinye izinsizakalo, i-PayPal isebenza ngemali yangempela, ikhadi noma i-akhawunti ibophezelwe ku-akhawunti yomsebenzisi. Lolu hlelo lwavela eRussia ngo-2003, kodwa amaRussia akwazi ukuthola futhi ahoxise izimali eminyakeni emine edlule. Ngakho-ke phakathi kwezakhamuzi ze- PayPal akuthandwa kakhulu, amakhasimende anikezela ama-freelancers leso sikhwama singavamile kakhulu.

Kusuka ezinhlangothini ezizuzayo Igama lezinkokhelo ze-PayPal:

1. Izinhlobo eziningi zokusebenza.
2. Sebenza ngemali ku-version yeselula.
3. Ukudlulisela i-invoyisi yokukhokha ngokuthunyelwe.
4. Ukuhoxiswa nsuku zonke.

Imali ye-Electronic Easypay

Muva nje uhlobo olusha lwemali ye-elektroniki luvele - I-Easypay, iyunithi yezimali ebonakalayo yaseBelarus, ukubalwa ku-ruble yendawo. Yadalwa njengenye indlela ye-WebMoney. Isistimu yokuphepha enokwethenjelwa, azikho izifanisi - amakhodi wokulawula isikhathi esisodwa. Kunezinye izinzuzo:

1. Ukuhunyushwa kwenziwa nge-intanethi kanye nomakhalekhukhwini.
2. Engeza imali ku-akhawunti kalula ekhokheni noma eposini.
3. IKhomishana ngaphakathi ezweni - 2%, ngokuhoxisa imali - 1.5%.

Ngezenzo ezithile imali ayisusiwe:

• ukuthenga ezitolo ze-intanethi eBelarus;
• ukubuyiswa kabusha kweselula;
• ukukhokhelwa kwezinsizakalo ze-Inthanethi;
• ukukhokha komphakathi;
• umusa;
• amathikithi e-cinema naseshashalazini.

Imali ye-Electronic Bitcoin

I-bitcoin entsha yemali ebizwa ngokuthi i-electronic bitcoin ibizwa ngokuthi i-innovative ukuphumelela kumanethiwekhi ebhizinisi we-intanethi, uhlobo oluthile lokufanisa kobukominisi ngaphakathi. Abalobi bathi i-Satoshi Nikamoto, ama-bitcoins agcinwa kwizikhwama ezikhethekile, ungakwazi ukugcwalisa nokuhoxisa imali. Ukukhula kwezindleko ezimangalisayo nokuthandwa kwendawo yonke, nakuba lesi simiso singenawo umphathi ngisho nomlawuli, akunakwenzeka ukuthonya izinguqulo ezivela ngaphandle. Akukho futhi ikhomishana, ukukhokhelwa kuphela kubavukuzi ukusekelwa kokuthengiselana.

I-Bitcoin iyimali ekhethekile ye-electronic, ibhekwa ngu:

1. Ukuzimela . Uhlelo luzimele ngokuphelele.
2. Ukutholakala okulinganiselwe kwama-bitcoins.
3. Qedela ukungaziwa . Izinamba zomnikazi wesikhwama azikwazi ukubalwa.
4. Ukungabikho kwezihambeli . Ukudluliselwa kwebhange, awudingi ibhange, kodwa ukuphazamiseka ukuthi ngeke ukwazi ukukhansela inkokhelo.
5. Ukungabi namthetho . Ohulumeni bamazwe amaningi bawabiza ngokungemthetho.
6. Ukukhubazeka kwenkambo.

Indlela yokuthola imali ye-elektroniki?

Indlela yokuthola imali nge-intanethi kwi-intanethi - lo mbuzo ubuzwa nsuku zonke ngezinkulungwane zabasebenzisa inthanethi. Thola isifundo esizoletha inzuzo enkundleni kuyiqiniso ngempela, kodwa akusiyo imali enkulu kakhulu. Kukhona ukuhwebelana ngokushintshaniswa, kodwa ngenxa yalokhu udinga ukuba nolwazi nembewu yenzalo. Kukhona ama-niches anezinzuzo ezithobekile kakhulu kunokuthengiselana ngezezimali.

Uma ulahla izinhlelo eziningi zokukhwabanisa, khona-ke uzothola imali engenayo ngalezo zinhlobo zemali:

1. Amasayithi ayenayo.
2. Amasevisi weposi.
3. Ukudayiswa kwemibhalo.
4. Amanethiwekhi wokudluliselwa kumaphrojekthi wezohwebo.
5. Izinhlelo zokubambisana.
6. Izitolo ze-intanethi.
7. Imivuzo emidlalweni ye-intanethi.
8. Ukuhlinzeka ngezinsizakalo ezihlukahlukene.