What is web wallet
My khotim platit' bystro i, sledovatel'no, udobno, no pri etom uvereny, chto nashi den'gi v bezopasnosti. I kogda my prikladyvayem kartu ili smartfon k terminalu v magazine, tak i kogda my platim onlayn. Nezavisimo ot situatsii, my khotim byt' uvereny v tom, chto u nas yest' polnyy kontrol' nad svoimi den'gami. Platezhi what is jaxx razvivayutsya v etom napravlenii, a elektronnyye koshel'ki - eto otvet na ozhidaniya potrebiteley. Elektronnyy koshelek. Eto chto? Tsifrovyye koshel'ki ne imeyut material'noy formy. Vy mozhete «khranit'» v nikh svoi platezhnyye karty (a v nekotorykh sluchayakh i den'gi), chtoby rasplachivat'sya bystro i effektivno. Oni mogut byt' v vide prilozheniya, ustanovlennogo na telefone, ili resheniya, svyazannogo s ispol'zuyemym vami brauzerom. Dannyye karty vvodyatsya v virtual'nyy koshelek, sokhranyaya ikh nomer, datu istecheniya sroka deystviya i kod bezopasnosti, a zatem shifruyutsya. Ikh konfidentsial'nyye dannyye mogut byt' zameneny unikal'noy strokoy chisel, izvestnoy v otrasli kak token. Vy sprosite, zachem konvertirovat' odnu posledovatel'nost' chisel v druguyu? Prichina prosta - dannyye karty mozhno ispol'zovat' vo mnogikh mestakh, no nel'zya sdelat' s sokhranennym tokenom. Tak chto yesli k nemu popadet postoronniy chelovek ... s etim nichego ne podelayesh'. Teper', kogda vy znayete, chto takoye tsifrovyye koshel'ki, stoit uznat', kak my ikh razdelyayem. I my razlichayem ikh v zavisimosti ot togo, kak oni ispol'zuyutsya. 1. Tsifrovoy koshelek, kotoryy mozhno ispol'zovat' vmesto fizicheskoy karty (tak nazyvayemyy skvoznoy tsifrovoy koshelek). Pervyy tip tsifrovykh koshel'kov - eto prilozheniya, kotoryye ispol'zuyutsya, naprimer, na smartfonakh. Oni pozvolyayut kliyentam sovershat' beskontaktnyye platezhi v magazine ili onlayn - obychno cherez tokenizirovannuyu tsifrovuyu versiyu karty. 2. Tsifrovoy koshelek, takoy kak karta predoplaty (tak nazyvayemyy tsifrovoy koshelek s sokhranennoy stoimost'yu). V etom sluchaye koshel'ki ispol'zuyutsya pol'zovatelyami kak predoplachennaya karta. Etot metod pozvolyayet potrebitelyam vnosit' opredelennyye summy v elektronnyy koshelek, kotorym oni mogut rasporyazhat'sya po svoyemu usmotreniyu, bystro i nadezhno rasplachivayas'.
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We want to pay quickly and therefore conveniently, but at the same time we are confident that our money is safe. And when we put a card or smartphone to the terminal in the store, and when we pay online. Regardless of the situation, we want to be sure that we have complete control over our money. Payments are developing in this direction, and e-wallets are the answer to consumer expectations.
Online wallet. What's this? Digital wallets have no physical form. You can "store" your payment cards (and in some cases money) in them to pay quickly and efficiently. They can be in the form of an application installed on the phone, or a solution associated with the browser you are using. The card details are entered into the virtual wallet, storing their number, expiration date and security code, and then encrypted. Their sensitive data can be replaced with a unique string of numbers known in the industry as a token. Why convert one sequence of numbers to another, you ask? The reason is simple - card data can be used in many places, but cannot be done with a stored token. So if a stranger gets to him ... nothing can be done about it.
Now that you know what digital wallets are, it's worth learning how we split them. And we differentiate them depending on how they are used.
1. A digital wallet that can be used in place of a physical card (aka pass-through digital wallet). The first type of digital wallets are applications that are used, for example, on smartphones. They allow customers to make contactless payments in-store or online - usually through a tokenized digital version of the card.
2. A digital wallet such as a prepaid card (also called a stored value digital wallet). In this case, wallets are used by users as a prepaid card. This method allows consumers to deposit specific amounts into an electronic wallet, which they can dispose of as they wish, paying quickly and securely.
