{"id":16257,"date":"2026-11-01T09:27:16","date_gmt":"2026-11-01T09:27:16","guid":{"rendered":"https:\/\/custom-rfid-tags.com\/?p=16257"},"modified":"2026-11-01T09:27:18","modified_gmt":"2026-11-01T09:27:18","slug":"how-does-nfc-payment-work","status":"publish","type":"post","link":"https:\/\/custom-rfid-tags.com\/tr\/how-does-nfc-payment-work\/","title":{"rendered":"NFC \u00d6demesi Nas\u0131l \u00c7al\u0131\u015f\u0131r?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">NFC ile \u00f6deme, temass\u0131z bir banka kart\u0131n\u0131, telefonu veya ak\u0131ll\u0131 saati uyumlu bir \u00f6deme terminaline yakla\u015ft\u0131rarak \u00f6deme yapman\u0131z\u0131 sa\u011flar. NFC, k\u0131sa menzilli kablosuz ba\u011flant\u0131y\u0131 sa\u011flarken, as\u0131l i\u015flemi kart \u00e7ipi, terminal, \u00f6deme a\u011f\u0131 ve banka ger\u00e7ekle\u015ftirir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir dokunma i\u015flemi sadece bir saniye s\u00fcrebilir, ancak bu s\u00fcre i\u00e7inde birka\u00e7 ad\u0131m ger\u00e7ekle\u015fir. \u00d6deme cihaz\u0131 terminal ile ileti\u015fim kurar, i\u015flem i\u00e7in g\u00fcvenlik verileri olu\u015fturur ve onay\u0131 almak \u00fczere \u00f6demeyi bankac\u0131l\u0131k a\u011f\u0131 \u00fczerinden g\u00f6nderir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>NFC \u00d6demesi Nedir?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-1024x768.webp\" alt=\"NFC ile \u00f6deme nas\u0131l yap\u0131l\u0131r?\" class=\"wp-image-16314\" title=\"\" srcset=\"https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-1024x768.webp 1024w, https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-300x225.webp 300w, https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-768x576.webp 768w, https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work-16x12.webp 16w, https:\/\/custom-rfid-tags.com\/wp-content\/uploads\/2026\/11\/how-does-nfc-payment-work.webp 1448w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">NFC (Yak\u0131n Alan \u0130leti\u015fimi), 13,56 MHz frekans\u0131nda \u00e7al\u0131\u015fan bir k\u0131sa menzilli kablosuz teknolojidir. \u00d6deme i\u015flemlerinde, bu teknoloji sayesinde bir \u00f6deme kart\u0131 veya mobil cihaz, okuyucuya tak\u0131lmadan sat\u0131\u015f noktas\u0131 terminaliyle ileti\u015fim kurabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EMV Temass\u0131z, hem temass\u0131z \u00e7ipli kartlardan hem de NFC \u00f6zellikli mobil cihazlardan yap\u0131lan \u00f6demeleri destekler. Kart\u0131n veya cihaz\u0131n terminale \u00e7ok yak\u0131n tutulmas\u0131 yeterlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yayg\u0131n NFC \u00f6deme y\u00f6ntemleri aras\u0131nda temass\u0131z banka ve kredi kartlar\u0131, Apple Pay, Google Pay ve \u00f6deme \u00f6zelli\u011fine sahip ak\u0131ll\u0131 saatler yer al\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NFC ba\u011flant\u0131s\u0131 tek ba\u015f\u0131na hesaplar aras\u0131nda para transferi ger\u00e7ekle\u015ftirmez. \u00d6deme cihaz\u0131 ile terminal aras\u0131nda yerel bir ileti\u015fim ba\u011flant\u0131s\u0131 sa\u011flar. \u0130\u015flemin geri kalan k\u0131sm\u0131 ise normal \u00f6deme altyap\u0131s\u0131 \u00fczerinden ger\u00e7ekle\u015ftirilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>NFC \u00d6demesi Nas\u0131l \u00c7al\u0131\u015f\u0131r?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tipik bir temass\u0131z kart i\u015flemi be\u015f a\u015famaya ayr\u0131labilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Terminal, kart\u0131 etkinle\u015ftirir<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sat\u0131c\u0131 \u00f6nce sat\u0131n alma tutar\u0131n\u0131 girer veya onaylar. Ard\u0131ndan \u00f6deme terminali, temass\u0131z okuyucusunun \u00e7evresinde bir radyo frekans\u0131 alan\u0131 olu\u015fturur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fiziksel temass\u0131z bir banka kart\u0131n\u0131n kendine ait bir pile ihtiyac\u0131 yoktur. Kart\u0131n i\u00e7indeki anten, terminalin manyetik alan\u0131ndan enerji al\u0131r ve \u00e7ipin \u00e7al\u0131\u015fmas\u0131 i\u00e7in yeterli g\u00fcc\u00fc sa\u011flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle, temass\u0131z bir kart bazen y\u0131llarca c\u00fczdanda kullan\u0131lmadan durabilir ve yine de kart\u0131 terminale dokundurdu\u011funuzda terminal ile ileti\u015fim kurabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Telefonlar ve ak\u0131ll\u0131 saatler, \u00f6deme terminaliyle ileti\u015fim kurarken yine de ayn\u0131 k\u0131sa menzilli temass\u0131z aray\u00fcz\u00fc kullanmalar\u0131na ra\u011fmen, kendi g\u00fc\u00e7 kaynaklar\u0131na sahip olmalar\u0131 nedeniyle birbirlerinden farkl\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Kart ve Terminal Aras\u0131nda \u0130leti\u015fim Kurulur<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kart, terminalin manyetik alan\u0131na girdi\u011finde, terminal ve kart aras\u0131nda ileti\u015fim ba\u015flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Temass\u0131z \u00f6deme kartlar\u0131 genellikle ISO\/IEC 14443 standard\u0131na dayal\u0131 bir teknoloji kullan\u0131r. EMV spesifikasyonlar\u0131 ise \u00f6deme uygulamas\u0131 ile terminalin, i\u015flemi ger\u00e7ekle\u015ftirmek i\u00e7in gerekli bilgileri nas\u0131l kar\u015f\u0131l\u0131kl\u0131 olarak aktard\u0131\u011f\u0131n\u0131 tan\u0131mlar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Terminal, kullan\u0131labilir bir \u00f6deme uygulamas\u0131n\u0131 tespit eder ve EMV i\u015flemini ba\u015flat\u0131r. Bu a\u015famada, kart sadece kay\u0131tl\u0131 kart numaras\u0131n\u0131 g\u00f6ndermekle kalmaz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Kart, i\u015flem verilerini olu\u015fturur<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6deme \u00e7ipi, \u00f6deme kart\u0131 sisteminin bir par\u00e7as\u0131 olarak verilen kimlik bilgilerini ve kriptografik bilgileri bar\u0131nd\u0131r\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir i\u015flem s\u0131ras\u0131nda, bu kimlik bilgilerini kullanarak o \u00f6demeye \u00f6zg\u00fc g\u00fcvenlik verileri olu\u015fturur. EMV, bunu tek kullan\u0131ml\u0131k g\u00fcvenlik kodu veya kriptogram olarak tan\u0131mlar. Her seferinde ayn\u0131 sabit g\u00fcvenlik kodunun kullan\u0131lmas\u0131 yerine, her yeni i\u015flem i\u00e7in yeni bir de\u011fer olu\u015fturulur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015flem, sat\u0131n alma tutar\u0131 ve di\u011fer i\u015flem parametreleri gibi terminal taraf\u0131ndan sa\u011flanan bilgileri de i\u00e7erebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. \u0130\u015flem, onay i\u00e7in g\u00f6nderilir<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kartla ileti\u015fim kurduktan sonra, terminal \u00f6demeyi finansal a\u011fa iletir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Basitle\u015ftirilmi\u015f bir yol \u015funa benzer:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kart veya telefon \u2192 POS terminali \u2192 sat\u0131c\u0131n\u0131n \u00f6deme al\u0131c\u0131s\u0131\/\u00f6deme i\u015fleyicisi \u2192 kart a\u011f\u0131 \u2192 kart\u0131 veren banka<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kart\u0131 veren banka, m\u00fc\u015fterinin kart\u0131ndan sorumlu olan banka veya finans kurulu\u015fudur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015flem bilgilerini al\u0131r ve \u00f6demenin kabul edilip edilmeyece\u011fine karar vermek i\u00e7in gerekli kontrolleri ger\u00e7ekle\u015ftirir. Bunlar aras\u0131nda \u00f6deme kimlik bilgilerinin ve kriptografik verilerin do\u011frulanmas\u0131 ile hesap ve i\u015flem durumunun kontrol edilmesi yer alabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Onay veya Red Karar\u0131 Terminale Geri D\u00f6n\u00fcyor<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130hra\u00e7\u00e7\u0131, karar\u0131n\u0131 \u00f6deme a\u011f\u0131 arac\u0131l\u0131\u011f\u0131yla iletir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Onaylan\u0131rsa, POS terminali \u00f6demeyi onaylar. Reddedilirse, terminal bunun yerine ilgili yan\u0131t\u0131 al\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm i\u015flem genellikle birka\u00e7 saniye i\u00e7inde tamamlan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal kurumlar aras\u0131ndaki para transferi ayr\u0131 bir \u015fekilde ger\u00e7ekle\u015ftirilir. Terminale kart\u0131n okutulmas\u0131, esas olarak i\u015flemin do\u011frulanmas\u0131 ve yetkilendirilmesini sa\u011flar; bir banka hesab\u0131ndan sat\u0131c\u0131n\u0131n hesab\u0131na an\u0131nda para aktar\u0131m\u0131 yap\u0131lmaz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>NFC ile \u00f6deme yapmak i\u00e7in internet ba\u011flant\u0131s\u0131 gerekli mi?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">K\u0131sa menzilli NFC al\u0131\u015fveri\u015fi i\u00e7in m\u00fc\u015fterinin telefonunda mobil veri veya Wi-Fi ba\u011flant\u0131s\u0131 gerekmez. Bununla birlikte, tipik bir sat\u0131c\u0131 \u00f6deme terminalinin \u00e7evrimi\u00e7i yetkilendirme talebinde bulunabilmesi i\u00e7in, kart kabul eden kurulu\u015f veya \u00f6deme i\u015fleyicisine eri\u015fim sa\u011flamas\u0131 gerekir. Baz\u0131 \u00f6deme ortamlar\u0131, belirli kurallar \u00e7er\u00e7evesinde s\u0131n\u0131rl\u0131 \u00f6l\u00e7\u00fcde \u00e7evrimd\u0131\u015f\u0131, ertelenmi\u015f veya depolama ve iletme i\u015flemlerini destekleyebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Temass\u0131z banka kart\u0131n\u0131n i\u00e7inde ne var?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Temass\u0131z banka veya kredi kart\u0131, \u00f6zel bir temass\u0131z ak\u0131ll\u0131 kartt\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plastik kart\u0131n i\u00e7inde iki \u00f6nemli bile\u015fen bulunur: g\u00fcvenli bir \u00e7ip ve bir anten. Anten, terminal taraf\u0131ndan \u00fcretilen elektromanyetik alanla ba\u011flant\u0131 kurabilmesi i\u00e7in genellikle kart\u0131n b\u00fcy\u00fck bir k\u0131sm\u0131n\u0131 \u00e7evreler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c7ip, \u00f6deme uygulamalar\u0131n\u0131 ve \u00f6deme i\u015flemleri i\u00e7in gerekli olan korumal\u0131 bilgileri bar\u0131nd\u0131r\u0131r. Basit, okunabilir bir bellek gibi davranmak yerine kriptografik i\u015flemler ger\u00e7ekle\u015ftirebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu durum, kart\u0131n \u00f6n y\u00fcz\u00fcndeki g\u00f6r\u00fcn\u00fcr \u00e7ip kontaklar\u0131 h\u00e2l\u00e2 \u00e7al\u0131\u015f\u0131r durumda olsa bile, antenin hasar g\u00f6rmesinin temass\u0131z \u00f6demeyi neden durdurabilece\u011fini de a\u00e7\u0131kl\u0131yor. Temasl\u0131 \u00f6deme, metal kontaklar arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015ftirilirken, temass\u0131z \u00f6deme \u00e7ip ile ileti\u015fim kurmak i\u00e7in farkl\u0131 fiziksel aray\u00fczler kullan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peki, temass\u0131z banka kart\u0131 bir <a href=\"https:\/\/custom-rfid-tags.com\/tr\/custom-rfid-tags\/rfid-tags-by-feature\/nfc-tags\/\">NFC kart\u0131<\/a>?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Normal kullan\u0131m a\u00e7\u0131s\u0131ndan evet: Bu kart, 13,56 MHz frekans\u0131nda NFC\/temass\u0131z ileti\u015fime kat\u0131lan bir kartt\u0131r. Daha kesin bir ifadeyle, genel ama\u00e7l\u0131 bir NFC etiketi de\u011fil, EMV temass\u0131z i\u015flemleri i\u00e7in tasarlanm\u0131\u015f g\u00fcvenli bir \u00f6deme ak\u0131ll\u0131 kart\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>NFC \u00d6demesi S\u0131ras\u0131nda Hangi Bilgiler Payla\u015f\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bazen temass\u0131z kartlar\u0131n sadece \u201ckart bilgilerinizi g\u00f6nderdi\u011fi\u201d s\u00f6ylenir. Bu a\u00e7\u0131klama, s\u00fcrecin en \u00f6nemli k\u0131sm\u0131n\u0131 g\u00f6z ard\u0131 etmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015flem s\u0131ras\u0131nda baz\u0131 \u00f6deme bilgileri aktar\u0131labilir. \u00d6rne\u011fin Visa, temass\u0131z kartlar\u0131n\u0131n hesap numaras\u0131n\u0131, son kullanma tarihini ve her y\u00fcz y\u00fcze i\u015flemde de\u011fi\u015fen tek kullan\u0131ml\u0131k bir kodu aktarabilece\u011fini belirtmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buradaki \u00f6nemli ayr\u0131m, nispeten sabit olan hesap bilgileri ile dinamik i\u015flem g\u00fcvenlik verileri aras\u0131ndad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hesap bilgileri, \u00f6deme hesab\u0131n\u0131 tan\u0131mlar. Dinamik olarak olu\u015fturulan kriptografik de\u011fer, kart\u0131 veren kurulu\u015fun i\u015flemin ge\u00e7erli bir \u00f6deme kimlik bilgisi kaynakl\u0131 olup olmad\u0131\u011f\u0131n\u0131 ve i\u015flem verilerinin ge\u00e7erli olup olmad\u0131\u011f\u0131n\u0131 belirlemesine yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle, ele ge\u00e7irilen temass\u0131z bir i\u015flem, ba\u015fka bir cihaza yeni bir EMV temass\u0131z i\u015flem i\u00e7in kolayca tekrar sunulabilecek, yeniden kullan\u0131labilir bir kriptogram sa\u011flamaz. G\u00fcvenlik de\u011feri, s\u00f6z konusu tekil i\u015fleme ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu, \u00f6deme bilgilerinin hassas olmayan bilgilermi\u015f gibi ele al\u0131nmas\u0131 gerekti\u011fi anlam\u0131na gelmez. Bunun anlam\u0131, EMV temass\u0131z g\u00fcvenlik sisteminin yaln\u0131zca kart numaras\u0131n\u0131n gizli tutulmas\u0131na dayanmad\u0131\u011f\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>NFC \u00d6demeleri Telefonlarda ve Ak\u0131ll\u0131 Saatlerde Nas\u0131l \u00c7al\u0131\u015f\u0131r?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bir telefon, ayn\u0131 t\u00fcrdeki temass\u0131z \u00f6deme terminaliyle ileti\u015fim kurabilir; ancak bu, c\u00fczdan\u0131n\u0131zda bulunan fiziksel kartla ayn\u0131 \u00f6deme kimlik bilgilerini sundu\u011fu anlam\u0131na gelmez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mobil c\u00fczdanlar genellikle \u00f6deme tokenizasyonunu kullan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rne\u011fin, Google Pay\u2019e uyumlu bir kart eklendi\u011finde, DPAN veya sanal hesap numaras\u0131 olarak da bilinen bir cihaz jetonu cihaza atanabilir. Google, bir NFC \u00f6demesi s\u0131ras\u0131nda kart\u0131n ger\u00e7ek ana hesap numaras\u0131 yerine bu cihaz jetonunun terminale g\u00f6nderildi\u011fini belirtmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apple Pay de benzer bir cihaza \u00f6zg\u00fc yakla\u015f\u0131m kullan\u0131r. Apple, bir Cihaz Hesap Numaras\u0131n\u0131n cihaz\u0131n G\u00fcvenli Eleman\u0131nda sakland\u0131\u011f\u0131n\u0131 ve i\u015flemeye \u00f6zg\u00fc dinamik g\u00fcvenlik verileriyle birlikte kullan\u0131ld\u0131\u011f\u0131n\u0131 belirtmektedir. Apple Pay i\u015flemi s\u0131ras\u0131nda cihaz taraf\u0131ndan ger\u00e7ek \u00f6deme kart\u0131 numaras\u0131 g\u00f6nderilmez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Genel \u00f6deme s\u00fcreci h\u00e2l\u00e2 tan\u0131d\u0131k geliyor:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Telefon \u2192 NFC \u00f6deme terminali \u2192 \u00f6deme a\u011f\u0131 \u2192 kart ihra\u00e7 eden kurulu\u015f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De\u011fi\u015fen \u015fey, cihaz taraf\u0131ndan sunulan kimlik bilgisidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Telefonlar ve saatler de cihaz d\u00fczeyinde kart sahibi do\u011frulamas\u0131 sa\u011flayabilir. Cihaza ve c\u00fczdana ba\u011fl\u0131 olarak, kullan\u0131c\u0131 \u00f6deme bilgisi kullan\u0131lmadan \u00f6nce Face ID, parmak izi, \u015fifre veya ba\u015fka bir onaylanm\u0131\u015f y\u00f6ntemle kimli\u011fini do\u011frulayabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dolay\u0131s\u0131yla NFC aray\u00fcz\u00fc, mobil \u00f6demenin yaln\u0131zca bir par\u00e7as\u0131 olarak kalmaktad\u0131r. Bunun arkas\u0131nda g\u00fcvenli donan\u0131m, token sa\u011flama, kullan\u0131c\u0131 kimlik do\u011frulama ve \u00f6deme a\u011f\u0131 i\u015flemleri yer almaktad\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Temass\u0131z \u00d6deme \u0130\u00e7in Her Zaman PIN Girilmesi Gerekir mi?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. PIN veya ba\u015fka bir kart sahibi do\u011frulama y\u00f6nteminin gerekli olup olmad\u0131\u011f\u0131, i\u015flem tutar\u0131, kart\u0131 veren kurulu\u015fun kurallar\u0131, terminal yap\u0131land\u0131rmas\u0131, \u00f6deme a\u011f\u0131 kurallar\u0131 ve yerel d\u00fczenlemeler gibi fakt\u00f6rlere ba\u011fl\u0131d\u0131r. Temass\u0131z kart i\u015flemlerinde bazen m\u00fc\u015fterinin PIN kodunu girmesi gerekebilir. Bir telefon veya ak\u0131ll\u0131 saatte, ba\u015far\u0131l\u0131 bir biyometrik veya \u015fifre do\u011frulamas\u0131, genellikle CDCVM olarak adland\u0131r\u0131lan T\u00fcketici Cihaz\u0131 Kart Sahibi Do\u011frulama Y\u00f6ntemi i\u015flevi g\u00f6rebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>NFC \u00d6deme Kartlar\u0131 ve Standart NFC Etiketleri<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Temass\u0131z bir banka kart\u0131 ve standart bir <a href=\"https:\/\/custom-rfid-tags.com\/tr\/custom-rfid-tags\/rfid-tags-by-feature\/nfc-tags\/\">NFC etiketi<\/a> Her ikisi de 13,56 MHz frekans\u0131nda ileti\u015fim kurabilir, ancak yetenekleri birbirinden \u00e7ok farkl\u0131d\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u00d6zellik<\/strong><\/td><td><strong>Temass\u0131z \u00d6deme Kart\u0131<\/strong><\/td><td><strong>Standart NFC Etiketi<\/strong><\/td><\/tr><tr><td>Temel ama\u00e7<\/td><td>Mali i\u015flemler<\/td><td>NFC verilerini depolama veya sa\u011flama<\/td><\/tr><tr><td>Tipik ileti\u015fim<\/td><td>Temass\u0131z\/NFC uyumlu<\/td><td>NFC<\/td><\/tr><tr><td>Ortak veriler<\/td><td>\u00d6deme bilgileri ve i\u015flem verileri<\/td><td>URL'ler, metinler, kimlikler, uygulama verileri<\/td><\/tr><tr><td>\u00d6deme kriptografisi<\/td><td>EMV \u00f6deme kriptografisi<\/td><td>Normalde desteklenmez<\/td><\/tr><tr><td>\u00d6deme bilgileri<\/td><td>\u00d6deme altyap\u0131s\u0131 arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015ftirilen<\/td><td>Normal etiketlerde bulunmaz<\/td><\/tr><tr><td>Tipik \u00f6rnekler<\/td><td>Banka ve kredi kartlar\u0131<\/td><td>NTAG213, NTAG215, NTAG216<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">NTAG213, NTAG215 ve NTAG216 gibi standart NFC yongalar\u0131, NFC Forum Tip 2 etiketleridir. Ak\u0131ll\u0131 reklamc\u0131l\u0131k, \u00fcr\u00fcn etkile\u015fimi, kimlik do\u011frulama ve di\u011fer NFC deneyimleri gibi uygulamalar i\u00e7in kullan\u0131c\u0131 belle\u011fi sa\u011flarlar. Uyumlu telefonlar\u0131n okuyabildi\u011fi NDEF veri yap\u0131lar\u0131n\u0131 desteklerler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rne\u011fin, bir NTAG213'te \u015fu t\u00fcr bir URL bulunabilir:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/example.com\/pay\/order123<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir m\u00fc\u015fteri etikete dokundu\u011funda, telefon o sayfay\u0131 a\u00e7ar ve m\u00fc\u015fteri \u00e7evrimi\u00e7i \u00f6deme i\u015flemine devam edebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NFC etiketi, \u00f6deme s\u00fcrecinin ba\u015flat\u0131lmas\u0131na yard\u0131mc\u0131 oldu; ancak etiketin kendisi bir EMV banka kart\u0131 i\u015flemi ger\u00e7ekle\u015ftirmedi. Etiket, yaln\u0131zca telefonu \u00f6deme hizmetine y\u00f6nlendiren verileri sa\u011flad\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayn\u0131 fikir, restoranlarda, g\u00f6zetimsiz kiosklarda, \u00fcr\u00fcn ambalajlar\u0131nda, etkinlik sistemlerinde veya bir dokunma hareketiyle fiziksel bir nesneyi \u00e7evrimi\u00e7i \u00f6deme sayfas\u0131na ba\u011flaman\u0131n gerekli oldu\u011fu di\u011fer uygulamalarda da kullan\u0131labilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Baz\u0131 kurulu\u015flar, kimlik bilgisinin o kurulu\u015fun kendi platformu i\u00e7indeki bir hesab\u0131 tan\u0131mlad\u0131\u011f\u0131 kapal\u0131 d\u00f6ng\u00fc sistemlerinde temass\u0131z kartlar veya cihazlar da kullanmaktad\u0131r. Toplu ta\u015f\u0131ma kartlar\u0131, kamp\u00fcs sistemleri, \u00f6n \u00f6demeli sistemler ve benzeri uygulamalar, daha geli\u015fmi\u015f ve g\u00fcvenli temass\u0131z \u00e7ipler kullanabilir. Bu sistemler, Visa, Mastercard veya ba\u015fka bir a\u00e7\u0131k \u00f6deme a\u011f\u0131nda \u00e7al\u0131\u015fan normal bir banka kart\u0131n\u0131n \u00e7\u0131kar\u0131lmas\u0131yla kar\u0131\u015ft\u0131r\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>NFC \u00d6demeleri Nas\u0131l G\u00fcvenli Hale Getirilir?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Temass\u0131z \u00f6deme g\u00fcvenli\u011fi, yaln\u0131zca NFC\u2019nin k\u0131sa okuma mesafesine de\u011fil, \u00f6deme kimlik bilgilerine ve \u015fifreleme i\u015flemlerine dayanmaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0130\u015fleme \u00d6zg\u00fc \u015eifreler<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">EMV \u00e7ipli i\u015flemler, her bir i\u015flem i\u00e7in g\u00fcvenlik verileri olu\u015fturur. EMVCo, kriptogram\u0131, kart\u0131 veren kurulu\u015fun ve terminalin i\u015flemi do\u011frulamas\u0131na yard\u0131mc\u0131 olan tek kullan\u0131ml\u0131k bir de\u011fer olarak tan\u0131mlamaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Birisi ge\u00e7erli bir i\u015flemi kaydettiyse, bu kriptografik de\u011fer ba\u015fka bir i\u015flem i\u00e7in ge\u00e7erli kriptogram olarak \u00f6ylece yeniden kullan\u0131lamaz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Korumal\u0131 \u015eifreleme Anahtarlar\u0131<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00e7erli \u00f6deme kriptogramlar\u0131n\u0131 olu\u015fturmak i\u00e7in kullan\u0131lan anahtarlar, kart okundu\u011funda a\u00e7\u0131k bir \u015fekilde iletilmek yerine \u00f6deme kimlik bilgileri i\u00e7inde korunur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kart\u0131 veren kurulu\u015f veya \u00f6deme a\u011f\u0131, i\u015flem s\u0131ras\u0131nda kriptogram\u0131 do\u011frulamak i\u00e7in ilgili bilgileri kullanabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Mobil Cihazlarda Tokenle\u015ftirme<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mobil c\u00fczdanlar, fiziksel kart\u0131n ana hesap numaras\u0131n\u0131 cihaza \u00f6zg\u00fc bir \u00f6deme jetonuyla de\u011fi\u015ftirerek g\u00fcvenlik katman\u0131n\u0131 bir ad\u0131m daha art\u0131r\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apple Pay ve Google Pay, desteklenen temass\u0131z \u00f6demelerde her iki sistem de cihaza \u00f6zg\u00fc \u00f6deme kimlik bilgilerini kullan\u0131r. Dolay\u0131s\u0131yla, cihaz kimlik bilgilerinin kaybolmas\u0131 durumunda, hesaba para yat\u0131rmak i\u00e7in kullan\u0131lan orijinal kart numaras\u0131n\u0131n a\u00e7\u0131klanmas\u0131 gerekmez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00fcvenli kimlik bilgileri, dinamik i\u015flem verileri ve kart\u0131 veren kurulu\u015fun do\u011frulamas\u0131n\u0131n bu birle\u015fimi, NFC \u00f6demesinin, okuyucunun sadece bir banka kart\u0131n\u0131 taray\u0131p ald\u0131\u011f\u0131 say\u0131ya k\u00f6r\u00fc k\u00f6r\u00fcne g\u00fcvenmesi olarak anla\u015f\u0131lmamas\u0131 gerekti\u011finin nedenidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>NFC \u00d6demesi Nerede Kullan\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Uyumlu bir \u00f6deme terminali ve \u00f6deme altyap\u0131s\u0131n\u0131n mevcut oldu\u011fu her yerde ayn\u0131 temel temass\u0131z \u00f6deme s\u00fcreci kullan\u0131labilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perakende ma\u011fazalar ve restoranlar bu konuda en bilinen \u00f6rneklerdir. Temass\u0131z \u00f6deme terminalleri, otomatlarda, otopark sistemlerinde, self-servis kiosklar\u0131nda ve di\u011fer g\u00f6zetimsiz \u00f6deme noktalar\u0131nda da yayg\u0131n olarak kullan\u0131lmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toplu ta\u015f\u0131ma da bu teknolojinin bir di\u011fer \u00f6nemli kullan\u0131m alan\u0131d\u0131r. Baz\u0131 sistemlerde, s\u0131radan temass\u0131z banka kartlar\u0131 veya mobil c\u00fczdanlar do\u011frudan turnikede kabul edilmektedir. Mevcut banka taraf\u0131ndan verilen \u00f6deme kimlik bilgilerinin kullan\u0131lmas\u0131 nedeniyle bu sistemlere genellikle \u201ca\u00e7\u0131k d\u00f6ng\u00fc\u201d sistemleri denir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di\u011fer ula\u015f\u0131m, kamp\u00fcs, konaklama ve etkinlik mekan\u0131 sistemleri kendi kartlar\u0131n\u0131 veya kimlik belgelerini d\u00fczenlemektedir. Bunlar \u015funlard\u0131r: <strong>kapal\u0131 d\u00f6ng\u00fc<\/strong> operat\u00f6r\u00fcn kimlik bilgilerini ve bu bilgilerin ard\u0131ndaki hesab\u0131 kontrol etti\u011fi sistemler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Her ikisi de temass\u0131z teknolojiyi kullanabilir, ancak kart\u0131n veya cihaz\u0131n ger\u00e7ekte neler yapabilece\u011fini, temass\u0131z i\u015flemin arkas\u0131ndaki finansal sistem belirler.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00c7\u00f6z\u00fcm<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">NFC, bir kart\u0131n, telefonun veya ak\u0131ll\u0131 saatin \u00f6deme terminaliyle ileti\u015fim kurmas\u0131n\u0131 sa\u011flayan kablosuz ba\u011flant\u0131y\u0131 sunar. \u00d6deme \u00e7ipi veya mobil c\u00fczdan g\u00fcvenli kimlik bilgilerini sa\u011flar, terminal i\u015flemi finansal a\u011fa iletir ve kart\u0131 veren kurulu\u015f i\u015flemi onaylay\u0131p onaylamayaca\u011f\u0131na karar verir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir proje i\u00e7in NFC teknolojisi se\u00e7erken bu rol da\u011f\u0131l\u0131m\u0131 da \u00f6nemlidir. Programlanabilir bir NFC etiketi, m\u00fc\u015fteriyi bir \u00f6deme sayfas\u0131na veya ba\u015fka bir dijital hizmete y\u00f6nlendirebilirken, do\u011frudan banka kart\u0131yla \u00f6deme i\u00e7in \u00f6zel bir \u00f6deme sisteminin g\u00fcvenli kimlik bilgileri ve altyap\u0131s\u0131 gereklidir.<\/p>","protected":false},"excerpt":{"rendered":"<p>NFC payment allows you to pay by holding a contactless bank card, phone, or smartwatch close to a compatible payment [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":16314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"right-sidebar","site-content-layout":"","ast-site-content-layout":"normal-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-16257","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/posts\/16257","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/comments?post=16257"}],"version-history":[{"count":9,"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/posts\/16257\/revisions"}],"predecessor-version":[{"id":16315,"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/posts\/16257\/revisions\/16315"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/media\/16314"}],"wp:attachment":[{"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/media?parent=16257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/categories?post=16257"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/custom-rfid-tags.com\/tr\/wp-json\/wp\/v2\/tags?post=16257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}