Munguva pfupi yapfuura, WeChat yakaburitsa zviri pamutemo basa rekubhadhara nepalm swipe. Parizvino, WeChat Pay yakabatana neBeijing Metro Daxing Airport Line kuti vatange basa rekubhadhara nepalm swipe paCaoqiao Station, Daxing New Town Station neDaxing Airport Station. Kunewo nhau dzekuti Alipay iri kurongawo kutanga basa rekubhadhara nepalm swipe palm.
Kubhadhara nemaoko kwakakonzera mutauro wakawanda seimwe yenzira dzekubhadhara ne biometric, sei kwave nepfungwa dzakawanda uye hurukuro? Zvichangoerekana zvaita sekubhadhara nemaziso? Kubhadhara ne biometric kuchasvika sei pahuwandu hwakawanda hwekubhadhara neQR code kuri kutora nzvimbo pamusika parizvino?
Kubhadhara kweBiometric, kurwira kurongeka
Mushure mekunge nhau dzekubhadhara palm swipe dzaziviswa pachena, tekinoroji yakavakirwa pa entropy, Han Wang Technology, Yuanfang Information, Baxxon Intelligence nedzimwe pfungwa dzakabatana dzawedzera zvakanyanya. Zvakare, kubhadhara palm palm kwakasundira tekinoroji ye biometric pamberi pepfungwa dzemunhu wese.
MunaGunyana 2014, Alipay wallet neHuawei vakatanga pamwe chete chirongwa chekutanga chekubhadhara zvigunwe muChina, uye kubhadhara zvigunwe kwakambova tekinoroji inoshandiswa zvakanyanya mu biometrics, uye kuvhura zvigunwe kwakapindawo mumunda we smart home uye kwakava chikamu chakakosha chehungwaru. Kuziva zvigunwe ndiko kuverenga maitiro e epidermal emunwe, nepo kubhadhara pachigunwe kuchishandisa sisitimu yekuziva "palm print + palm vein", iyo yakaoma kutevedzera uye kugadzira, uye inzira yekubhadhara isina media, isingabatanidzi, inotakurika zvakanyanya uye yakachengeteka zvikuru.
Imwe tekinoroji ye biometric yakasimudzirwa muchikamu chekubhadhara ndeyekuziva chiso. 2014, Jack Ma akatanga kuratidza tekinoroji yekubhadhara chiso, uye muna 2017, Alipay yakazivisa kutanga kwekubhadhara chiso muresitorendi yeKPRO yeKFC ndokutanga kutengeswa. "Dragonfly". WeChat yakatevedzerawo, uye muna 2017 chitoro chekutanga cheWeChat Pay chenyika chefashoni yekuchenjera kwechiso chakasvika muShenzhen; uye muna 2019 WeChat Pay yakabatanawo naHuajie Amy kutanga chishandiso chekubhadhara chiso "Frog". 2017 iPhone X yakaunza tekinoroji ye3D yekuzivikanwa kwechiso mumunda wekubhadhara uye yakakurumidza kufambisa mafambiro eindasitiri ......
Mumakore anoda kusvika mashanu kubva pakatanga kushandiswa kwe "face swipe", hofori huru dzave dzichikwikwidzana zvakanyanya mumusika we "face swipe", dzichitosvika pakutora musika nerubatsiro rwakakura. Alipay yaive ne "motive system" ye0.7 yuan continuous rebate" kwemwedzi mitanhatu kune mumwe nemumwe mushandisi we "face swipe" kune vatengesi vanoshandisa "large screen face swipe self-service devices".
Panguva ino, zvitoro zvikuru nezvitoro zvekutengesa zvinhu zviri nyore kushandisa ndiyo nzvimbo inonyanya kushandiswa kubhadhara vanhu vari pedyo, asi ongororo yemusika yakawana kuti vanhu vashoma vanoshandisa kubhadhara vanhu vari pedyo, uye kazhinji vatengi havakumbire kuishandisa, uye mwero wekubhadhara Alipay uri pamusoro pekubhadhara vanhu vari pedyo neWeChat.
Kare ikako zvaitora makore mana kusvika mashanu kuti vanhu vagamuchire kuzivikanwa kubva pamari kusvika kumakodhi akawanda, asi kubhadhara nemaoko kwaikanganiswa nekufambira mberi kwayo nekuda kwekubuda kweruzivo rwepachivande, maalgorithms, kunyepa nezvimwe zvikonzero. Zvichienzaniswa nemunda wekubhadhara, kuzivikanwa kwechiso kunoshandiswa zvakanyanya mukuongorora hunhu.
Kubva pakuona kwehunyanzvi, kubhadhara paruoko kuchave kwakachengeteka uye kwakarurama kupfuura kubhadhara paruoko, uye nekushandisa tekinoroji yekubvisa ruzivo rwedata uye encryption yedata, zvinogona kuve nechokwadi chekuti vashandisi vanoshandiswa zvakachengeteka. Kubva kudivi reB, nzira ye "palm print + chalm vein" yekuongorora zvinhu zviviri inogona kusimbisa mutsetse wekutonga njodzi wevatengesi, senge catering, zvitoro nezvimwe indasitiri, kubhadhara paruoko kunogona kuvandudza zvakanyanya kushanda kwekubhadhara uye kuderedza nguva yekubhadhara nemari yevashandi; kubva kudivi reC, kubhadhara paruoko kunogonawo kuvandudza ruzivo rwemushandisi, mashandiro makuru akadai sekusabhadhara magetsi, kwete Kubva kudivi reC, kubhadhara paruoko kunogonawo kusimudzira ruzivo rwemushandisi, kunyanya muchimiro chekubhadhara pasina magetsi uye kubhadhara pasina kubata.
Mamiriro emusika wekubhadhara abuda
Kune nzira mbiri huru dzekubhadhara nefoni dzinoshandiswa nevanhu mazuva ano, imwe yekubhadhara online, senge Taobao, Jingdong online shopping payment, Alipay WeChat friendly transfer, nezvimwewo; imwe kubhadhara kuburikidza nema terminals emafoni, senge iyo inonyanya kushandiswa kubhadhara ne two-dimensional code.
Kutaura zvazviri, kubhadhara nefoni nekukurumidza kunonyanya kuitwa kuburikidza neNFC, muna 2004, Philips, Sony, Nokia vakatanga pamwe chete NFC Forum, vakatanga kusimudzira kushandiswa kwetekinoroji yeNFC mukutengeserana. 2005, makore matatu chete mushure mekugadzwa kweChina UnionPay vakagadzira timu yakakosha yepurojekiti, ine basa rekutevera nekutsvaga kuvandudzwa kweNFC; muna 2006, China UnionPay yakatanga chip yemakadhi eIC emari. Muna 2006, China UnionPay yakatanga mhinduro yekubhadhara nefoni zvichibva pane chip yemakadhi eIC emari; muna 2009, China Unicom yakatanga nharembozha yakagadzirwa nekadhi ine chip yeNFC yakavakirwa mukati.
Mhedziso
Zvisinei, nekuda kwekukwira kwe3G uye chokwadi chekuti maPOS terminals akanga asina kufarirwa panguva iyoyo, kubhadhara kweNFC hakuna kukonzera nyonganyonga mumusika. Muna 2016, Apple Pay yakabvuma kubhadhara kweNFC muhuwandu hwemakadhi ebhangi mukati memaawa gumi nemaviri kubva pakatanga kushandiswa kwayo kupfuura mamiriyoni makumi matatu nemasere, izvo zvakasimudzira zvikuru kukura kwekubhadhara kweNFC. Kusvika pari zvino, NFC yakawedzera mune mamwe mamiriro ekubhadhara kwemagetsi (senge digital RMB touch payment), makadhi etraffic muguta, access control, uye eID (electronic identification of citizens network) munzvimbo idzi.
Kukurumidza kwekubhadhara Alipay neWeChat muna 2014 kwakaita kuti zviomere Samsung Pay, yakatangwa neSamsung muna 2016, Xiaomi's Mi Pay neHuawei's Huawei Pay kupinda mumusika wekubhadhara nefoni wekuChina. Mugore rimwe chete, Alipay yakatanga kuunganidzwa kweQR code, zvichiwedzera mabhenefiti ekubhadhara ne swipe pamwe chete nekubuda kwekugovana mabhasikoro.
Nekuwedzera kwevanotengesa, kubhadhara kodhi yekuvhara (sweep code) kwakawedzera zvishoma nezvishoma nzvimbo yayo mumusika wekubhadhara. Zvichienderana nedata, kubhadhara kodhi yeQR kunoramba kuri nzira huru yekubhadhara pamafoni muna 2022, uye mugove wayo wakasvika 95.8%. Mukota yechina ya2022 chete, chiyero chekutengeserana kwemusika weChina wekutsvaga kodhi kunze kwenyika chaive RMB 12.58 trillion.
Kubhadhara QR code kunopedzwa nemushandisi achiratidza QR code, zvichibva pahunyanzvi hwekuziva mifananidzo. Sezvo application ichipararira, kudiwa kwemusika kunotangawo kuwedzera, uye zvigadzirwa zvakawanda zvine chekuita nazvo zvakaita se cash registers, smart machines, uye handhelds zvinounzwa chimwe nechimwe. Nekushandiswa kukuru kwe sweep code payment, mwero wekushandiswa kwe sweep code cash registers wakakwirawo, uye mhando dzadzo dzeterminal dzinosanganisira cash registers, sweep code payment boxes, smart cash registers, face payment terminals, handheld all-in-one machines, cash register audio, nezvimwewo. Pakati pazvo, zvigadzirwa zveterminal zvine chekuita neNew World, Honeywell, Shangmee, Sunray, Comet, uye Cash Register Bar zvakapararira mumusika wekubhadhara.
Nguva yekutumira: Chivabvu-24-2023