Zviri Mukati[Viga][Ratidza]
Kubhanga kwepamhepo kunobvumira vashandisi kuita kutengeserana kwemari kuburikidza neInternet. Kubhanga kwepamhepo, kunowanzozivikanwa seInternet banking kana online banking, imhando yekubhanga inoitika kuburikidza neindaneti.
Ruzhinji rwemabhangi ekutanga kutengeserana anogona ikozvino kuitwa online, achibvisa kudiwa kwevatengi kushanyira bhangi. Vanogona kuita zvose izvi kumba, kubasa, kana kuti mumugwagwa.
Kubhenga paindaneti kunoda kushandisa kombiyuta kana chimwewo mudziyo, Indaneti, uye kadhi rebhangi kana rechikwereti. Kuti vashandise sevhisi, vatengi vanofanirwa kutanga vabatana nebhangi ravo repa online banking service.
Kuti vanyore, vanofanirwa kugadzira password. Vatengi vanogona ipapo kushandisa sevhisi kune zvese zvavanoda zvebhangi.
Mune ino positi, isu tichatarisa kutarisisa kweiyo system dhizaini ye online banking system. Ngatitange.
Zvinoumba Online Banking
Kuvhura account ye bank
Pasina kudhinda kana kusaina chero chinhu, unogona kuvhura cheki, savings, uye mamwe marudzi emaakaundi online.
Iyo yese maitiro inogona kupedzwa mukati isingasviki maminetsi gumi nekuda kwemagetsi siginecha.
Kuti utange online, kazhinji unoda:
- A link kune internet
- Chishandiso chinogona kutarisa painternet, senge komputa, piritsi, kana smartphone
- Nhamba yeakaundi yako yekutarisa
- Kuti uone chitupa chako, unofanirwa kupa ruzivo rwemunhu senge zuva rako rekuzvarwa uye nhamba yeSocial Security.
Mari Inotamiswa
Iwe unogona kushandura intrabank kubva kuakaundi yako yekutarisa kuenda kuakaundi yako yekuchengetedza kana kuisa chitupa chedhipoziti uchishandisa komputa yako. Kuburikidza nerubatsiro rwebhangi rako remunhu-kune-munhu, unogona kubatanidza maakaundi ako kumabhangi akasiyana uye kutumira mari kushamwari nehama nekukurumidza.
Kuita Chikwereti Chikumbiro
Kuwana chikwereti kune mukurumbira wekuita nguva inopedza nguva, asi hazvifanirwe kudaro. Kuzadza chikumbiro chako pamhepo kunomhanyisa cheki yechikwereti, zvichibvumira bhangi rako kana mubatanidzwa wechikwereti kuti uite nekukurumidza.
Login Authentication
Kuti Login zvakachengeteka, mushandisi anofanira kupa ruzivo rwakakosha. Pakuedza kwese kwekupinda, software inofanirwa kuongorora uye kusimbisa iyo nhoroondo. Iyo Base Use Case ndeye log in, nepo Included Use Case iri AUTHENTICATE.
Mushandisi anogona kupinda mukati kana akazadza ruzivo rwese rwunodiwa. Kana ruzivo rwemushandisi rwusina kururama, zvisinei, chirongwa chinofanira kukwanisa kuona uye kuudza chikanganiso kumushandisi, zvichibvumira mushandisi kuisa zvakare ruzivo.
Nekuda kweizvozvo, kupinda mukati inyaya yekushandisa yakazara. Nekudaro, izvi zvinogona kushandisa chiito INVALID PASSWORD mune mamwe mamiriro.
Dhizaini yepamusoro
Kuyerera kwe Online Banking System
Kuti ushandise masevhisi eBhangi, mutengi anofanira kutanga avhura account. Kune wega wega mutengi mutsva, bhangi rinotarisa ruzivo uye rinomisa account nyowani.
Kune iyo Use-Case Diagram, mutengi wega wega mutambi, uye kugona kunopihwa ne Online Banking System yekuwedzera Akaunti ndeyeKushandisa-Nyaya. Wese mutengi anogona kutarisa huwandu hweakaundi yavo yekubhangi uye kukumbira kuendeswa kweakaundi yavo munzvimbo dzese dzeBhangi. A cashier mushandi webhangi anobatsira nevatengi.
Mutengi anogona kuita kutengeserana kwemari, kwaanofanira kuisa kana kubvisa mari kubva kubhengi account. Kuti uite zvakanaka kutengeserana kumwe chete kana kupfuura, imwe yesarudzo mbiri, kiredhiti kana debit cash, inogona kushandiswa.
Kutevera kutengeserana kwega kwega kwakabudirira, mutengi anogona kana kusasarudza kuwana ruzivo rwechimwe chiitiko.
Hunhu Hunokosha
KYC Kunyoresa
Kunyoreswa kwemushandisi ndiyo nhanho yekutanga mumapurogiramu mazhinji. Uye ikozvino tiri kubata neakasarudzika maitiro efintech. Nekuti vatengi vanopa maakaundi avo ebhangi kuchikumbiro chako, mirau yekuchengetedza account mubhangi chikamu chakaomesesa.
Nekuda kweizvozvo, kudzivirira chero mukana wekubira kwakakosha. Izvo zvakanaka kusanganisa maviri-zvinhu verification neyakatemerwa KYC maitiro ezvigadzirwa zvemari nekuda kweichi chinangwa (ziva mutengi wako).
Muhurongwa, gadzira mushandisi. Iwe unofanirwa kuona kuti mushandisi ndiani uye batanidza nhamba yefoni kuakaundi nyowani paunenge uchishandisa nhamba yefoni. Haisi chete iyo nhamba yefoni inofanira kunge iripo, asi inofanirwawo kuenderana nenyika iyo application yacho yakarongerwa.
Kuwedzera kuchengeteka. Unogona kuita izvi nekugadzira password kana pini kodhi, uye unogona kushandisa mibvunzo kuratidza kuti ndiwe ani.
Simbisa kuti mushandisi ndiani. Maitiro eKYC anofanirwa kupedzwa pamwe chete nekunyoresa kubhengi app. Iyo KYC sevhisi yaunosarudza kubatanidza nechigadzirwa inotarwa nemirairo yenyika iyo ichashandiswa.
KYC inokutendera kuti uratidze chitupa chako nekuzadzisa maitiro ari pazasi:
- Ruzivo rwemunhu rwunoiswa (zita, surname, zuva rekuzvarwa, uye kero)
- Zvinyorwa zvakatorwa mifananidzo (ID, pasipoti, rezinesi rekutyaira)
- Vhidhiyo sumo (mushandisi anogona kukumbirwa kutaura mutsara chaiwo muvhidhiyo)
- Kugadzira mubvunzo wekuchengetedza password
- Maitiro ekusimbisa (zvinogona kutora kubva pamaminetsi akati wandei kusvika mazuva akati wandei)
Kuita kwekadhi
Mabhangi anowanzo tumira mutengi kadhi rebhangi chairo kunzvimbo yakataurwa kana account yavhurwa uye mushandisi asimbiswa. Iri inhanho yakakosha muchiitiko chemushandisi.
Kushanda uchishandisa makadhi echikwereti
Mushandisi anofanira kukwanisa kugadzirisa zvinotevera kadhi marongero:
- Shandura pini kodhi
- Kadhi richavharwa.
- Kana zvichidiwa, isa mufiriji.
- Shandura zvigadziriso zvako zvakavanzika
Kubhadhara uye kutengeserana
Zvikamu zvakasiyana zvekutengeserana zvingave zvakakodzera, zvichibvumira mushandisi kuti anzwisise zviri nani mashandisiro aanoshandisa uku achirerutsa mafambiro ake. Zvakakosha kuratidza chiyero uye mari yekutengeserana yenguva yakatarwa. Sarudzo yakanakisa zvakare ingave yekugovera mutengo nenzvimbo.
Izvi zvichabatsira mukuwedzera kunoshanda manejimendi uye ziva mushandisi nekuongorora mashandisiro uye, semhedzisiro, ruzivo rwemari.
Ndedzipi nzira dzekubhadhara dzinogona kuwedzerwa:
- Kuendeswa kwemari kuburikidza nebhangi
- Kubhadhara kwakaitwa pasi rose
- Kubhadhara nguva dzose
- Unogona kubhadhara mumwe munhu.
- Ita chikumbiro chekubhadhara
Kuchengeta bhajeti
Iwe unofanirwa kupa yekutarisa data zvinoenderana nezvinotevera zvinodiwa kuti ugadzire nemazvo kuronga bhajeti uye manejimendi system:
- Mari yemwedzi (kana imwe nguva)
- kushandisa nguva nenguva (kuverenga)
- Kwenguva shoma, mari shoma
mhedziso
Unogona kubata account yako yekubhangi online uchishandisa komputa, piritsi, kana nharembozha. Inobvisa kukosha kwekushanyira hofisi yebhangi uye inobvumidza iwe kuti uite kutengeserana pese pazvinenge zvakakunakira.
Iwe une sarudzo yekubhenga pamhepo nebhangi rechinyakare kana mubatanidzwa wechikwereti waunotova nehukama naye, kana kuvhura account nesangano repamhepo chete.
Ndakaita nepese pandinogona napo kuti ndikupe tarisiro yeinternet banking system, asi pane zvakawanda zviri kuitika pazasi pehodhi. Ndinovimba unowana chinyorwa ichi chinobatsira uye kuti unochishandisa nemazvo.
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