Munguva pfupi yapfuura, WeChat yakaburitsa zviri pamutemo basa rekubhadhara remuchindwe uye terminal. Parizvino, WeChat Pay yabatana nemaoko neBeijing Metro Daxing Airport Line kuvhura iyo "palm swipe" sevhisi paCaoqiao Station, Daxing New Town Station uye Daxing Airport Station. Pane zvakare nhau yekuti Alipay arikurongawo kuvhura basa rekubhadhara michindwe.
Kubhadhara kwemichindwe kwakagadzira ruzha seimwe yetekinoroji yekubhadhara biometric, nei yakaburitsa kutarisisa uye hurukuro? Ichangoputika sekubhadhara kumeso? Kubhadhara kwebiometric kuchafamba sei kusvika kune yakakura vhoriyamu yekubhadhara kodhi yeQR iri kugara pamusika?
Biometric kubhadhara, kuedza kugadzirisa
Mushure mekunge nhau dzekubhadharwa kwemuchindwe dzakaitwa pachena, tekinoroji-yakavakirwa tekinoroji, Han Wang Technology, Yuanfang Ruzivo, Baxxon Intelligence uye mamwe ane hukama pfungwa masitoko akakwira kumusoro. Zvekare, kubhadhara kwemichindwe kwakasundira tekinoroji yebiometric pamberi pepfungwa dzemunhu wese.
MunaGunyana 2014, Alipay wallet neHuawei vakabatana vakatanga chirongwa chekutanga chekubhadhara zvigunwe muChina, uye ipapo kubhadhara zvigunwe zvakambove tekinoroji yakashandiswa zvakanyanya mubiometric, uye kuvhura zvigunwe kwakapindawo mumunda wakangwara wepamba uye ukave chikamu chakakosha chehungwaru. . Kuzivikanwa kweFingerprint ndeye kuverenga epidermal pateni yemunwe, nepo kubhadhara muchanza kunoshandisa iyo "palm print + palm vein" yekuzivisa sisitimu, iyo yakaoma kudzokorora nekugadzira, uye ndeye media-isina, isingabatanidzike, inotakurika uye inotakurika. nzira yekubhadhara yakachengeteka zvikuru.
Imwe tekinoroji yebiometric yakasimudzirwa mumunda wekubhadhara ndeyekuzivikanwa kwechiso. 2014, Jack Ma akatanga kuratidza tekinoroji yekubhadhara kumeso, uyezve muna 2017, Alipay akazivisa kutangwa kwekubhadhara kumeso muresitorendi yeKFC yeKPRO ndokuenda kutengeserana. "Dragonfly". WeChat yakatevera, uye muna 2017 WeChat Pay yekutanga yenyika inotarisana nehuchenjeri fashoni shopu yakamhara muShenzhen; uyezve muna 2019 WeChat Pay yakabatanawo naHuajie Amy kuvhura mudziyo wekubhadhara kumeso "Frog". 2017 iPhone X yakaunza 3D yekuzivikanwa kumeso tekinoroji kumunda wekubhadhara uye yakakurumidza kufambisa maitiro eindasitiri ......
Mumakore anoda kusvika mashanu kubva pakaunzwa face swipe, hofori huru dzanga dzichikwikwidza zvakanyanya mumusika wekubhadhara weswipe, kunyange kusvika pakubata musika nemari inorema. Alipay aive nemuchina wekukurudzira we0.7 yuan unoramba uchidzoserwa kwemwedzi mitanhatu kune yega yega mushandisi wekutsvaira kumeso kune vatengesi vanoshandisa chidzitiro chihombe che swipe self-service zvishandiso.
Panguva ino, zvitoro zvikuru uye zvitoro zviri nyore ndidzo nzvimbo dzinoshandiswa kubhadhara kumeso, asi ongororo yemusika yakaona kuti vanhu vashoma vangashandisa kubhadhara kumeso, uye kazhinji vatengi havakumbire kuishandisa, uye chiyero chekuvhara. Kubhadhara kweAlipay kwakakwira kupfuura kwekubhadhara kweWeChat.
Kare ikako zvakatora makore mana kusvika mashanu kuti vanhu vagamuchire kucherechedzwa kubva kumari kuenda kumakodhi ekutsvaira, asi kubhadhareswa kwechiso kwakadziviswa mukufambira mberi kwayo nekuda kwekuvuza kwekuvanzika, maalgorithms, forgery nezvimwe zvikonzero. Kuenzaniswa nendima yekubhadhara, kucherechedzwa kwechiso kunoshandiswa zvakanyanya mukusimbisa chitupa.
Kubva pakuona kwehunyanzvi, kubhairwa kwepalm swipe kuchave kwakachengeteka uye kwakaringana kupfuura kubhadhara kwesevhisi kumeso, uye nekushandisa desensitization yedata uye data encryption tekinoroji, inogona kunyatso chengetedza kushandiswa kwakachengeteka kwevashandisi. Kubva kuB-side, "palm print + palm vein" maviri-factor verification mode yekubhadhara muchanza inogona kuomesa mutsara wekutengesa njodzi yevatengesi, senge catering, zvitoro uye mamwe maindasitiri, kubhadhara kwemichindwe kunogona kuvandudza zvakanyanya mubhadharo uye kuderedza kubhadhara. nguva uye mari yebasa; kubva kuC-side, kubhadharwa kwemichindwe kunogonawo kuvandudza ruzivo rwevashandisi, basa guru senge pasina kubhadhara magetsi, kwete Kubva kuC-side, kubhadhara kwemichindwe kunogonawo kuwedzera ruzivo rwevashandisi, kunyanya nenzira yekubhadhara kusina magetsi uye kubhadhara kusina kubhadhara. .
Mamiriro emusika wekubhadhara abuda
Kune marudzi maviri makuru emafoni ekubhadhara nzira dzinoshandiswa nevanhu nhasi, imwe ndeyekubhadhara kwepaIndaneti, seTaobao, Jingdong online shopping payment, Alipay WeChat shamwari yekufambisa, nezvimwewo; imwe imari yekubhadhara kuburikidza nematerminals e-smartphone, senge yakajairika ndeyekutsvaira maviri-dimensional kodhi kubhadhara.
Muchokwadi, kubhadhara kwekutanga kwenharembozha kunonyanya kuwanikwa kuburikidza neNFC, muna 2004, Philips, Sony, Nokia pamwe chete vakatanga NFC Forum, vakatanga kusimudzira kushandiswa kwekutengesa kweNFC tekinoroji. 2005, makore matatu chete mushure mekugadzwa kweChina UnionPay yakamisa timu yakakosha yeprojekiti, ine basa rekutevera nekutsvagisa kuvandudzwa kweNFC; muna 2006, China UnionPay yakatanga zvemari IC kadhi chip-based Muna 2006, China UnionPay yakatanga chirongwa chekubhadhara nhare zvichibva pane yezvemari IC card chip; muna 2009, China Unicom yakatanga customized kadhi swipe nharembozha ine yakavakwa-mukati NFC chip.
Mhedziso
Nekudaro, nekuda kwekusimuka kwe3G uye chokwadi chekuti maPOS terminals akange asina kufarirwa panguva iyoyo, kubhadhara kweNFC hakuna kukonzeresa kupenga mumusika. Muna 2016, Apple Pay yakagamuchira kubhadhara kweNFC muhuwandu hwemakadhi ekubhangi akasungwa mukati memaawa gumi nemaviri kubva pakuvambwa kwayo yakapfuura 38 miriyoni, izvo zvakasimudzira zvikuru kuvandudzwa kwekubhadhara kweNFC. Kubudirira kusvika pari zvino, NFC yakawedzera mune chaiwo mamiriro ekubhadhara kwemagetsi (senge digital RMB yekubata kubhadhara), makadhi emigwagwa yemuguta, kutonga kwekupinda, uye eID (kuzivikanwa kwemagetsi kwevagari network) munzvimbo idzi.
Kukurumidza kutsvaira kweAlipay uye WeChat kutsvaira mubhadharo kunosvika 2014 kwakaita kuti zviomere Samsung Pay, yakatangwa neSamsung muna 2016, Xiaomi's Mi Pay uye Huawei's Huawei Pay kupinda mumusika wekubhadhara nhare weChinese. Mugore rimwe chetero, Alipay akatanga QR kodhi yekuunganidza, ichiwedzera zvakanakira kubhadhara kweswipe pamwe nekubuda kwekugovana bhasikoro.
Nevakawanda uye vakawanda vatengesi vanojoinha, tsvaira kodhi yekubhadhara zvishoma nezvishoma yakasimbisa nzvimbo yayo mumusika wekubhadhara. Zvinoenderana nedata, QR kodhi yekubhadhara inoramba iri nzira yekubhadhara yakajairika yekubhadhara nhare muna 2022, uye mugove wayo unosvika 95.8%. MuQ4 2022 chete, chiyero chekutengeserana kwemusika weChina wepasirese kodhi-yekutsvaira yaive RMB 12.58 tiririyoni.
Kubhadhara kodhi yeQR kunopedzwa nemushandisi achipa kodhi yeQR, zvichibva pane tekinoroji yekuziva mifananidzo. Sezvo application ichipararira, kudiwa kwemusika kunotangawo kuwedzera, uye zvinhu zvakawanda zvine hukama senge marejista emari, michina yakangwara, uye ma handheld zvinounzwa imwe mushure meimwe. Nekushandiswa kwevhoriyamu yakakura yekutsvaira kodhi yekubhadhara, mwero wekushandisa wekutsvaira kodhi marejista emari zvakare wakakwira, uye mhando dzadzo dzekupedzisira dzinosanganisira marejista emari, mabhokisi ekubhadhara kodhi, marejista emari akangwara, materminal ekubhadhara kumeso, anobatwa nemaoko ese-in-one michina. , redhiyo yereji yemari, nezvimwe. Pakati pazvo, zvigadzirwa zvinoenderana neNyika Itsva, Honeywell, Shangmee, Sunray, Comet, uye Cash Register Bar zvakawaridzwa mumusika wekubhadhara.
Nguva yekutumira: May-24-2023