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V\u00a0lo\u0148sk\u00e9m roce (tedy ofici\u00e1ln\u011b, na produktu jsme pracovali od roku 2019) jsme uvedli na trh jako prvn\u00ed zmi\u0148ovan\u00fd termin\u00e1l v\u00a0mobilu. Fyzick\u00fd termin\u00e1l je najednou pry\u010d, p\u0159\u00ednos pro obchodn\u00edka z\u016fstal stejn\u00fd \u2013 p\u0159ij\u00edm\u00e1n\u00ed plateb kartou, a\u0165 u\u017e je plastov\u00e1 nebo ulo\u017een\u00e1 v\u00a0telefonu \u010di hodink\u00e1ch. A nejen to. Jak je to mo\u017en\u00e9? Moc v\u00e1s nebudu nudit technick\u00fdmi detaily, ale Android umo\u017enil zabezpe\u010den\u011b p\u0159istupovat k\u00a0NFC \u010dipu telefonu a pou\u017e\u00edt ho pro platby bankovn\u00edmi kartami. Velmi v\u00fdznamn\u00e1 \u010d\u00e1st logiky se p\u0159esunula z\u00a0koncov\u00e9ho za\u0159\u00edzen\u00ed na servery a architektura se v\u00fdrazn\u011b zm\u011bnila. V\u00fdrazn\u011b se pos\u00edlila bezpe\u010dnost, proto\u017ee nov\u011b nejsme spr\u00e1vcem za\u0159\u00edzen\u00ed, na kter\u00e9m platba prob\u00edh\u00e1 a nem\u00e1me ho pod vzd\u00e1lenou spr\u00e1vou. Proto se tedy ve\u0161ker\u00e9 zabezpe\u010den\u00ed p\u0159esunulo p\u0159\u00edmo do aplikace a na servery. Na prvn\u00ed pohled se cel\u00e1 aplikace zd\u00e1 velmi jednoduch\u00e1, ale v\u011b\u0159te mi, \u017ee na pozad\u00ed se d\u011bje hromada d\u016fle\u017eit\u00fdch v\u011bc\u00ed, kontrol atd. Z\u00e1sadn\u011b se tedy zm\u011bnil dlouh\u00e1 l\u00e9ta pou\u017e\u00edvan\u00fd model a p\u0159inesl s sebou velmi z\u00e1sadn\u00ed zm\u011bny. D\u0159\u00edv\u011bj\u0161\u00ed zdlouhav\u00e9 procesy spojen\u00e9 s\u00a0fyzick\u00fdmi termin\u00e1ly, jako je skladov\u00e1n\u00ed, kl\u00ed\u010dov\u00e1n\u00ed, p\u0159\u00edprava, konfigurace, instalace a servis najednou zmizely. M\u00edsto spu\u0161t\u011bn\u00ed v\u00a0\u0159\u00e1du dn\u016f se mo\u017enost za\u010d\u00edt p\u0159ij\u00edmat platby zkr\u00e1tila na pouh\u00e9 sta\u017een\u00ed a instalaci aplikace do telefonu (te\u010f ponech\u00e1v\u00e1m zcela stranou procesy podpisu smlouvy atd.)<\/p>\n
Dost\u00e1v\u00e1me se tedy k\u00a0hlavn\u00edmu t\u00e9matu tohoto \u010dl\u00e1nku. Na prvn\u00ed pohled si m\u016f\u017eeme s\u00a0klidem \u0159\u00edct, \u017ee termin\u00e1l v\u00a0mobilu zcela zlikviduje fyzick\u00e9 termin\u00e1ly. Historie platebn\u00edho sv\u011bta n\u00e1m ale uk\u00e1zala, \u017ee t\u00edm, kdo o tom rozhodne bude adopce t\u00e9to technologie na v\u0161ech trz\u00edch. A ta si n\u011bkdy vy\u017e\u00e1d\u00e1 roky. V\u00a0na\u0161em regionu je situace jin\u00e1 a my jsme nejlep\u0161\u00ed v\u00a0adopci nov\u00fdch technologi\u00ed v\u00a0platb\u00e1ch. Zaj\u00edmav\u00e9 \u017ee? \u010casto p\u0159em\u00fd\u0161l\u00edme nad t\u00edm, pro\u010d tomu tak je, proto\u017ee technologickou mocnost\u00ed nejsme. D\u00edky tomu m\u016f\u017eeme dnes napsat, \u017ee v\u00a0na\u0161em regionu provozujeme nejv\u00edce termin\u00e1l\u016f v\u00a0mobilu na sv\u011bte a jsme v\u00a0t\u00e9to oblasti prakticky nejd\u00e1l. Mohu v\u00e1s ale ubezpe\u010dit, \u017ee fyzick\u00e9 termin\u00e1ly tu budou je\u0161t\u011b n\u011bkolik let a to p\u0159edev\u0161\u00edm ve velk\u00fdch \u0159et\u011bzc\u00edch a s\u00edt\u00edch. Mo\u017en\u00e1 tla\u010d\u00edtkov\u00e9 termin\u00e1ly nahrad\u00ed ty dotykov\u00e9, ale po\u0159\u00e1d se tam budou pou\u017e\u00edvat fyzick\u00e9 termin\u00e1ly. Fyzick\u00e9 termin\u00e1ly jsou oproti mobiln\u00edmu telefonu velmi robustn\u00ed, po\u010d\u00edtaj\u00ed s\u00a0n\u00e1ro\u010dn\u00fdm provozem a neomalen\u00fdm zach\u00e1zen\u00edm (a mo\u017en\u00e1 i mastn\u00fdm prstem z\u00e1kazn\u00edka s\u00a0uzeninou). Tam zat\u00edm klasick\u00e9 telefony nejsou, mo\u017en\u00e1 pr\u016fmyslov\u00e1 Android za\u0159\u00edzen\u00ed ano, ale zase nejsou navr\u017eeny pro retailov\u00fd prodej (um\u00edst\u011bn\u00ed NFC \u010dipu atd.).<\/p>\n
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[\/et_pb_text][et_pb_image src=“https:\/\/www.gptom.com\/wp-content\/uploads\/2022\/04\/gptom_asisted-mode.png“ _builder_version=“4.17.4″ _module_preset=“default“ theme_builder_area=“post_content“ hover_enabled=“0″ sticky_enabled=“0″ title_text=“gptom_asisted-mode“ align=“center“ width=“80%“][\/et_pb_image][et_pb_text _builder_version=“4.17.4″ background_size=“initial“ background_position=“top_left“ background_repeat=“repeat“ hover_enabled=“0″ global_colors_info=“{}“ theme_builder_area=“post_content“ sticky_enabled=“0″]<\/p>\n
To se ale m\u016f\u017ee rychle zm\u011bnit. Dle na\u0161ich prodejn\u00edch \u010d\u00edsel v\u00e1s ale m\u016f\u017eeme ubezpe\u010dit, \u017ee termin\u00e1l v\u00a0mobilu p\u0159evezme od termin\u00e1l\u016f jejich m\u00edsto v\u00a0mal\u00fdch obchodech, slu\u017eb\u00e1ch, doru\u010dov\u00e1n\u00ed, svobodn\u00fdch povol\u00e1n\u00edch a mnoha dal\u0161\u00edch oblastech a u\u017e se tak d\u011bje. Pozor, nerad bych abyste nabyli dojmu, \u017ee termin\u00e1l v\u00a0mobilu m\u00e1 jen omezen\u00fd potenci\u00e1l \u2013 a up\u0159\u00edmn\u011b, na za\u010d\u00e1tku jsme tak\u00e9 stav\u011bli oborov\u00e9 hranice, kter\u00e9 se ale z\u00e1hy zcela zhroutily. To n\u00e1m potvrdili sami z\u00e1kazn\u00edci a dnes m\u00e1me klienty termin\u00e1lu v\u00a0mobilu ve v\u00edce ne\u017e dvou stech oblastech a oborech, od mal\u00fdch podnikatel\u016f a firem a\u017e po velk\u00e9 korporace. Termin\u00e1l mobilu um\u00ed konsolidovat v\u0161e do jednoho, zcela otev\u0159en\u00e9ho a mobiln\u00edho za\u0159\u00edzen\u00ed. Z\u00e1kazn\u00edk rozhoduje, co si do za\u0159\u00edzen\u00ed nahraje, co bude pou\u017e\u00edvat, a p\u0159edev\u0161\u00edm na jak\u00e9m za\u0159\u00edzen\u00ed. Ano a m\u016f\u017ee skrze otev\u0159en\u00e1 API z\u00a0vlastn\u00ed aplikace nebo aplikac\u00ed volat platbu kartou. Termin\u00e1l v mobilu tak prakticky dopl\u0148uje neomezen\u00fd sv\u011bt Androidu o platby kartou a dal\u0161\u00edmi metodami. Jestli p\u0159em\u00fd\u0161l\u00edte nad n\u011bjakou hranic\u00ed nebo limity tohoto \u0159e\u0161en\u00ed, zapome\u0148te na to, proto\u017ee ty neexistuj\u00ed. A co v\u00fdrobci termin\u00e1l\u016f? T\u011bm dle m\u00e9ho n\u00e1zoru v\u00a0dal\u0161\u00edch letech nastanou v\u00fdrazn\u011b t\u011b\u017e\u0161\u00ed \u010dasy a prodeje u\u017e asi nebudou to co b\u00fdvaly (n\u011bkte\u0159\u00ed to poci\u0165uj\u00ed v\u00a0na\u0161em regionu ji\u017e dnes). Ale nebude to hned, jak jsem ji\u017e psal, nem\u016f\u017eeme podle na\u0161eho regionu hodnotit cel\u00fd sv\u011bt, nav\u00edc kdy\u017e nap\u0159\u00edklad USA teprve ned\u00e1vno p\u0159ech\u00e1zelo na bezkontaktn\u00ed technologii. Mo\u017en\u00e1 proto se n\u011bkte\u0159\u00ed v\u00fdrobci pou\u0161t\u00ed do dal\u0161\u00edch oblast\u00ed sv\u011bta plateb.<\/p>\n
Ta doba ale p\u0159ijde a ten, kdo z\u00a0n\u00ed bude nejv\u00edce profitovat budou obchodn\u00edci sami. U\u017e to nebude souboj za\u0159\u00edzen\u00ed, ale aplikac\u00ed. To, co poskytovatel\u00e9 plateb investovali do za\u0159\u00edzen\u00ed budou investovat do v\u00fdvoje aplikac\u00ed. Sta\u010d\u00ed se pod\u00edvat do bankovn\u00edho sv\u011bta. Co n\u00e1s \u010dek\u00e1 v\u00a0t\u00e9to oblasti d\u00e1l? Co Apple platforma? O tom zase t\u0159eba n\u011bkdy p\u0159\u00ed\u0161t\u011b.<\/p>\n
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V\u00a0lo\u0148sk\u00e9m roce (tedy ofici\u00e1ln\u011b, na produktu jsme pracovali od roku 2019) jsme uvedli na trh jako prvn\u00ed zmi\u0148ovan\u00fd termin\u00e1l v\u00a0mobilu. Fyzick\u00fd termin\u00e1l je najednou pry\u010d, p\u0159\u00ednos pro obchodn\u00edka z\u016fstal stejn\u00fd \u2013 p\u0159ij\u00edm\u00e1n\u00ed plateb kartou, a\u0165 u\u017e je plastov\u00e1 nebo ulo\u017een\u00e1 v\u00a0telefonu \u010di hodink\u00e1ch. A nejen to. Jak je to mo\u017en\u00e9? Moc v\u00e1s nebudu nudit technick\u00fdmi […]<\/p>\n","protected":false},"author":1,"featured_media":250825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"\n
V lo\u0148sk\u00e9m roce (tedy ofici\u00e1ln\u011b, na produktu jsme pracovali od roku 2019) jsme uvedli na trh jako prvn\u00ed zmi\u0148ovan\u00fd termin\u00e1l v mobilu. Fyzick\u00fd termin\u00e1l je najednou pry\u010d, p\u0159\u00ednos pro obchodn\u00edka z\u016fstal stejn\u00fd \u2013 p\u0159ij\u00edm\u00e1n\u00ed plateb kartou, a\u0165 u\u017e je plastov\u00e1 nebo ulo\u017een\u00e1 v telefonu \u010di hodink\u00e1ch. A nejen to. Jak je to mo\u017en\u00e9? Moc v\u00e1s nebudu nudit technick\u00fdmi detaily, ale Android umo\u017enil zabezpe\u010den\u011b p\u0159istupovat k NFC \u010dipu telefonu a pou\u017e\u00edt ho pro platby bankovn\u00edmi kartami. Velmi v\u00fdznamn\u00e1 \u010d\u00e1st logiky se p\u0159esunula z koncov\u00e9ho za\u0159\u00edzen\u00ed na servery a architektura se v\u00fdrazn\u011b zm\u011bnila. V\u00fdrazn\u011b se pos\u00edlila bezpe\u010dnost, proto\u017ee nov\u011b nejsme spr\u00e1vcem za\u0159\u00edzen\u00ed, na kter\u00e9m platba prob\u00edh\u00e1 a nem\u00e1me ho pod vzd\u00e1lenou spr\u00e1vou. Proto se tedy ve\u0161ker\u00e9 zabezpe\u010den\u00ed p\u0159esunulo p\u0159\u00edmo do aplikace a na servery. Na prvn\u00ed pohled se cel\u00e1 aplikace zd\u00e1 velmi jednoduch\u00e1, ale v\u011b\u0159te mi, \u017ee na pozad\u00ed se d\u011bje hromada d\u016fle\u017eit\u00fdch v\u011bc\u00ed, kontrol atd. Z\u00e1sadn\u011b se tedy zm\u011bnil dlouh\u00e1 l\u00e9ta pou\u017e\u00edvan\u00fd model a p\u0159inesl s sebou velmi z\u00e1sadn\u00ed zm\u011bny. D\u0159\u00edv\u011bj\u0161\u00ed zdlouhav\u00e9 procesy spojen\u00e9 s fyzick\u00fdmi termin\u00e1ly, jako je skladov\u00e1n\u00ed, kl\u00ed\u010dov\u00e1n\u00ed, p\u0159\u00edprava, konfigurace, instalace a servis najednou zmizely. M\u00edsto spu\u0161t\u011bn\u00ed v \u0159\u00e1du dn\u016f se mo\u017enost za\u010d\u00edt p\u0159ij\u00edmat platby zkr\u00e1tila na pouh\u00e9 sta\u017een\u00ed a instalaci aplikace do telefonu (te\u010f ponech\u00e1v\u00e1m zcela stranou procesy podpisu smlouvy atd.) <\/p>\n\n\n\n
Dost\u00e1v\u00e1me se tedy k hlavn\u00edmu t\u00e9matu tohoto \u010dl\u00e1nku. Na prvn\u00ed pohled si m\u016f\u017eeme s klidem \u0159\u00edct, \u017ee termin\u00e1l v mobilu zcela zlikviduje fyzick\u00e9 termin\u00e1ly. Historie platebn\u00edho sv\u011bta n\u00e1m ale uk\u00e1zala, \u017ee t\u00edm, kdo o tom rozhodne bude adopce t\u00e9to technologie na v\u0161ech trz\u00edch. A ta si n\u011bkdy vy\u017e\u00e1d\u00e1 roky. V na\u0161em regionu je situace jin\u00e1 a my jsme nejlep\u0161\u00ed v adopci nov\u00fdch technologi\u00ed v platb\u00e1ch. Zaj\u00edmav\u00e9 \u017ee? \u010casto p\u0159em\u00fd\u0161l\u00edme nad t\u00edm, pro\u010d tomu tak je, proto\u017ee technologickou mocnost\u00ed nejsme. D\u00edky tomu m\u016f\u017eeme dnes napsat, \u017ee v na\u0161em regionu provozujeme nejv\u00edce termin\u00e1l\u016f v mobilu na sv\u011bte a jsme v t\u00e9to oblasti prakticky nejd\u00e1l. Mohu v\u00e1s ale ubezpe\u010dit, \u017ee fyzick\u00e9 termin\u00e1ly tu budou je\u0161t\u011b n\u011bkolik let a to p\u0159edev\u0161\u00edm ve velk\u00fdch \u0159et\u011bzc\u00edch a s\u00edt\u00edch. Mo\u017en\u00e1 tla\u010d\u00edtkov\u00e9 termin\u00e1ly nahrad\u00ed ty dotykov\u00e9, ale po\u0159\u00e1d se tam budou pou\u017e\u00edvat fyzick\u00e9 termin\u00e1ly. Fyzick\u00e9 termin\u00e1ly jsou oproti mobiln\u00edmu telefonu velmi robustn\u00ed, po\u010d\u00edtaj\u00ed s n\u00e1ro\u010dn\u00fdm provozem a neomalen\u00fdm zach\u00e1zen\u00edm (a mo\u017en\u00e1 i mastn\u00fdm prstem z\u00e1kazn\u00edka s uzeninou). Tam zat\u00edm klasick\u00e9 telefony nejsou, mo\u017en\u00e1 pr\u016fmyslov\u00e1 Android za\u0159\u00edzen\u00ed ano, ale zase nejsou navr\u017eeny pro retailov\u00fd prodej (um\u00edst\u011bn\u00ed NFC \u010dipu atd.). <\/p>\n\n\n\n
To se ale m\u016f\u017ee rychle zm\u011bnit. Dle na\u0161ich prodejn\u00edch \u010d\u00edsel v\u00e1s ale m\u016f\u017eeme ubezpe\u010dit, \u017ee termin\u00e1l v mobilu p\u0159evezme od termin\u00e1l\u016f jejich m\u00edsto v mal\u00fdch obchodech, slu\u017eb\u00e1ch, doru\u010dov\u00e1n\u00ed, svobodn\u00fdch povol\u00e1n\u00edch a mnoha dal\u0161\u00edch oblastech a u\u017e se tak d\u011bje. Pozor, nerad bych abyste nabyli dojmu, \u017ee termin\u00e1l v mobilu m\u00e1 jen omezen\u00fd potenci\u00e1l \u2013 a up\u0159\u00edmn\u011b, na za\u010d\u00e1tku jsme tak\u00e9 stav\u011bli oborov\u00e9 hranice, kter\u00e9 se ale z\u00e1hy zcela zhroutily. To n\u00e1m potvrdili sami z\u00e1kazn\u00edci a dnes m\u00e1me klienty termin\u00e1lu v mobilu ve v\u00edce ne\u017e dvou stech oblastech a oborech, od mal\u00fdch podnikatel\u016f a firem a\u017e po velk\u00e9 korporace. Termin\u00e1l mobilu um\u00ed konsolidovat v\u0161e do jednoho, zcela otev\u0159en\u00e9ho a mobiln\u00edho za\u0159\u00edzen\u00ed. Z\u00e1kazn\u00edk rozhoduje, co si do za\u0159\u00edzen\u00ed nahraje, co bude pou\u017e\u00edvat, a p\u0159edev\u0161\u00edm na jak\u00e9m za\u0159\u00edzen\u00ed. Ano a m\u016f\u017ee skrze otev\u0159en\u00e1 API z vlastn\u00ed aplikace nebo aplikac\u00ed volat platbu kartou. Termin\u00e1l v mobilu tak prakticky dopl\u0148uje neomezen\u00fd sv\u011bt Androidu o platby kartou a dal\u0161\u00edmi metodami. Jestli p\u0159em\u00fd\u0161l\u00edte nad n\u011bjakou hranic\u00ed nebo limity tohoto \u0159e\u0161en\u00ed, zapome\u0148te na to, proto\u017ee ty neexistuj\u00ed. A co v\u00fdrobci termin\u00e1l\u016f? T\u011bm dle m\u00e9ho n\u00e1zoru v dal\u0161\u00edch letech nastanou v\u00fdrazn\u011b t\u011b\u017e\u0161\u00ed \u010dasy a prodeje u\u017e asi nebudou to co b\u00fdvaly (n\u011bkte\u0159\u00ed to poci\u0165uj\u00ed v na\u0161em regionu ji\u017e dnes). Ale nebude to hned, jak jsem ji\u017e psal, nem\u016f\u017eeme podle na\u0161eho regionu hodnotit cel\u00fd sv\u011bt, nav\u00edc kdy\u017e nap\u0159\u00edklad USA teprve ned\u00e1vno p\u0159ech\u00e1zelo na bezkontaktn\u00ed technologii. Mo\u017en\u00e1 proto se n\u011bkte\u0159\u00ed v\u00fdrobci pou\u0161t\u00ed do dal\u0161\u00edch oblast\u00ed sv\u011bta plateb. <\/p>\n\n\n\n
Ta doba ale p\u0159ijde a ten, kdo z n\u00ed bude nejv\u00edce profitovat budou obchodn\u00edci sami. U\u017e to nebude souboj za\u0159\u00edzen\u00ed, ale aplikac\u00ed. To, co poskytovatel\u00e9 plateb investovali do za\u0159\u00edzen\u00ed budou investovat do v\u00fdvoje aplikac\u00ed. Sta\u010d\u00ed se pod\u00edvat do bankovn\u00edho sv\u011bta. Co n\u00e1s \u010dek\u00e1 v t\u00e9to oblasti d\u00e1l? Co Apple platforma? O tom zase t\u0159eba n\u011bkdy p\u0159\u00ed\u0161t\u011b.<\/p>\n","_et_gb_content_width":"1080","footnotes":""},"categories":[31],"tags":[],"class_list":["post-250827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/posts\/250827","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/comments?post=250827"}],"version-history":[{"count":2,"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/posts\/250827\/revisions"}],"predecessor-version":[{"id":251072,"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/posts\/250827\/revisions\/251072"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/media\/250825"}],"wp:attachment":[{"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/media?parent=250827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/categories?post=250827"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/3.72.214.174\/ro\/wp-json\/wp\/v2\/tags?post=250827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}