Muva nje, i-WeChat ikhiphe ngokusemthethweni umsebenzi wokukhokha nge-palm swipe kanye ne-terminal. Njengamanje, i-WeChat Pay ihlanganyele ne-Beijing Metro Daxing Airport Line ukuze yethule isevisi "yokuswayipha nge-palm" eCaoqiao Station, eDaxing New Town Station kanye naseDaxing Airport Station. Kukhona nezindaba zokuthi i-Alipay nayo ihlela ukuqala umsebenzi wokukhokha nge-palm swipe.
Ukukhokha nge-palm swipe kudale impikiswano enkulu njengenye yezindlela zobuchwepheshe zokukhokha nge-biometric, kungani kudale ukunakwa okukhulu kanye nengxoxo? Ingabe kuzovele kuqhume njengokukhokha ubuso? Ukukhokha nge-biometric kuzofinyelela kanjani enanini elikhulu lezinkokhelo zekhodi ye-QR ezikhona emakethe njengamanje?
Izinkokhelo ze-biometric, ukulwela ukwakheka
Ngemva kokuba izindaba zokukhokha nge-palm swipe sezenziwe umphakathi, ubuchwepheshe obusekelwe ku-entropy, i-Han Wang Technology, i-Yuanfang Information, i-Baxxon Intelligence kanye nezinye izinto ezihlobene nazo zikhuphuke kakhulu. Nalapha futhi, ukukhokha nge-palm kwaphoqa ubuchwepheshe be-biometric ukuba bube phambili engqondweni yawo wonke umuntu.
NgoSepthemba 2014, i-Alipay wallet kanye ne-Huawei baqalise uhlelo lokuqala olujwayelekile lokukhokha ngeminwe eShayina, kwathi ukukhokha ngeminwe kwaba ubuchwepheshe obusetshenziswa kakhulu kwi-biometrics, kwathi ukuvula ngeminwe kwangena ensimini yasekhaya ehlakaniphile futhi kwaba yingxenye ebalulekile yobuhlakani. Ukuqashelwa kweminwe ukufunda iphethini ye-epidermal yomunwe, kuyilapho ukukhokha ngeminwe kusebenzisa uhlelo lokuhlonza "i-palm print + palm vein", okunzima ukulukopisha nokuyiqamba, futhi kuyindlela yokukhokha engenazo imidiya, engathintani, ephatheka kalula futhi ephephile kakhulu.
Olunye ubuchwepheshe be-biometric obukhuthazwe emkhakheni wokukhokha ukuqashelwa kobuso. Ngo-2014, uJack Ma waqala wabonisa ubuchwepheshe bokukhokha ubuso, kwathi ngo-2017, i-Alipay yamemezela ukuqaliswa kokukhokha ubuso endaweni yokudlela ye-KPRO ye-KFC futhi yaqala ukuthengiswa. "Dragonfly". I-WeChat yalandela, kwathi ngo-2017 isitolo sokuqala semfashini sokuhlakanipha kobuso se-WeChat Pay safika eShenzhen; kwathi ngo-2019 i-WeChat Pay yajoyina noHuajie Amy ukwethula idivayisi yokukhokha ubuso ethi "Frog". I-iPhone X ka-2017 yethula ubuchwepheshe bokuqashelwa kobuso be-3D ensimini yokukhokha futhi yashukumisa ngokushesha izitayela zemboni ......
Eminyakeni ecishe ibe mihlanu selokhu kwethulwa ukuswayipha ubuso, lezi zinkunzi ezinkulu bezilokhu zincintisana kakhulu emakethe yokukhokha ngokuswayipha ubuso, zaze zafika ezingeni lokuthola imakethe ngezibonelelo ezinkulu. I-Alipay yayinendlela yokukhuthaza isaphulelo esiqhubekayo sama-yuan angu-0.7 izinyanga eziyisithupha kumsebenzisi ngamunye wokuswayipha ubuso kubathengisi abasebenzisa amadivayisi okuzisiza ngokuswayipha ubuso esikrinini esikhulu.
Kulesi sigaba, izitolo ezinkulu nezitolo ezithengisa izinto ezingabizi kakhulu yizindawo lapho kusetshenziswa khona inkokhelo yobuso, kodwa inhlolovo yemakethe ithole ukuthi inani elincane labantu lingasebenzisa inkokhelo yobuso, futhi ngokuvamile amakhasimende awaceli ukuyisebenzisa, futhi izinga lokumbozwa kwenkokhelo yobuso ye-Alipay liphakeme kunelenkokhelo ye-WeChat.
Ngaleso sikhathi kwakuthatha iminyaka emine kuya kwemihlanu ukuthi abantu bamukele ukuqashelwa kusukela emalini kuya kumakhodi agcwele, kodwa ukukhokha ngokuswayipha ubuso kwaphazamiseka ekuthuthukisweni kwayo ngenxa yokuvuza kobumfihlo, ama-algorithm, ukukhwabanisa nezinye izizathu. Uma kuqhathaniswa nensimu yokukhokha, ukuqashelwa kobuso kusetshenziswa kabanzi ekuqinisekiseni ubuwena.
Ngokombono wezobuchwepheshe, inkokhelo yokuswayipha ngesandla izophepha kakhulu futhi inembe kunenkokhelo yokuswayipha ubuso, futhi ngokusebenzisa ubuchwepheshe bokususa uzwela lwedatha kanye nobuchwepheshe bokubethela idatha, kungaqinisekisa ngempumelelo ukusetshenziswa okuphephile kwabasebenzisi. Kusukela ohlangothini lwe-B, indlela yokuqinisekisa izinto ezimbili "yokunyathelisa isundu + umthambo wesundu" yokukhokha ngesundu ingaqinisa umugqa wokulawula ubungozi wabathengisi, njengokupheka, ukuthengisa kanye nezinye izimboni, inkokhelo yesundu ingathuthukisa kakhulu ukusebenza kahle kokukhokha futhi inciphise isikhathi sokukhokha kanye nezindleko zabasebenzi; kusukela ohlangothini lwe-C, inkokhelo yesundu ingathuthukisa futhi ulwazi lomsebenzisi, ukusebenza okuyinhloko njengokungakhokhi ugesi, cha Kusukela ohlangothini lwe-C, inkokhelo yesundu ingathuthukisa nolwazi lomsebenzisi, ikakhulukazi ngesimo sokukhokha ngaphandle kukagesi kanye nokukhokha ngaphandle kokuthinta.
Isimo semakethe yokukhokha sesivele
Kunezinhlobo ezimbili eziyinhloko zezindlela zokukhokha ngeselula ezisetshenziswa abantu namuhla, enye inkokhelo eku-inthanethi, njenge-Taobao, inkokhelo yokuthenga online yaseJingdong, ukudluliselwa komngani kwe-Alipay WeChat, njll.; enye inkokhelo ngama-terminal e-smartphone, njengoba okuvame kakhulu ukukhokha ngekhodi enezinhlangothi ezimbili.
Eqinisweni, ukukhokha kusenesikhathi ngeselula kutholakala kakhulu nge-NFC, ngo-2004, iPhilips, iSony, neNokia basungula iNFC Forum ngokuhlanganyela, baqala ukukhuthaza ukusetshenziswa kobuchwepheshe be-NFC kwezentengiselwano. Ngo-2005, eminyakeni emithathu nje ngemva kokusungulwa kwe-China UnionPay basungula ithimba lephrojekthi elikhethekile, elinomthwalo wokulandelela nokucwaninga ngentuthuko ye-NFC; ngo-2006, i-China UnionPay yethula i-chip yekhadi le-IC lezezimali Ngo-2006, i-China UnionPay yethula isisombululo sokukhokha ngeselula esisekelwe ku-chip yekhadi le-IC lezezimali; ngo-2009, i-China Unicom yethula ifoni ephathekayo eyenziwe ngokwezifiso nge-chip ye-NFC eyakhelwe ngaphakathi.
Isiphetho
Kodwa-ke, ngenxa yokwanda kwe-3G kanye neqiniso lokuthi ama-terminal e-POS ayengathandwa ngaleso sikhathi, izinkokhelo ze-NFC azizange zibangele isiphithiphithi emakethe. Ngo-2016, i-Apple Pay yamukela izinkokhelo ze-NFC enanini lamakhadi asebhange aboshwe zingakapheli amahora ayi-12 kusukela yasungulwa kudlule izigidi ezingu-38, okwakhuthaza kakhulu ukuthuthukiswa kwezinkokhelo ze-NFC. Intuthuko kuze kube manje, i-NFC yanda ezimweni ezithile zezinkokhelo ze-elekthronikhi (njengokukhokha kwe-RMB touch yedijithali), amakhadi omgwaqo wedolobha, ukulawula ukufinyelela, kanye ne-eID (ukuhlonza inethiwekhi yezakhamizi nge-elekthronikhi) kulezi zindawo.
Ukwanda okusheshayo kwezinkokhelo ze-Alipay kanye ne-WeChat cishe ngo-2014 kwenza kwaba nzima nge-Samsung Pay, eyasungulwa yi-Samsung ngo-2016, i-Xiaomi's Mi Pay kanye ne-Huawei's Huawei Pay ukungena emakethe yokukhokha yeselula yaseShayina. Ngonyaka ofanayo, i-Alipay yethule ukuqoqwa kwekhodi ye-QR, okwandisa izinzuzo zokukhokha ngokuswayipha kanye nokuvela kokwabelana ngamabhayisikili.
Njengoba abathengisi abaningi bejoyina, ukukhokha ngekhodi ye-sweep kuye kwaqinisa kancane kancane isikhundla sayo emakethe yokukhokha. Ngokusho kwedatha, ukukhokha ngekhodi ye-QR kusalokhu kuyindlela yokukhokha eyinhloko yokukhokha ngeselula ngo-2022, isabelo sayo sifinyelela ku-95.8%. Ku-Q4 2022 kuphela, isilinganiso sokuthengiselana semakethe yokuqoqa ikhodi engaxhunyiwe ku-inthanethi yaseShayina sasingu-RMB 12.58 trillion.
Inkokhelo yekhodi ye-QR iqedwa ngumsebenzisi oletha ikhodi ye-QR, ngokusekelwe kubuchwepheshe bokuqaphela izithombe. Njengoba uhlelo lokusebenza lusakazeka, isidingo semakethe naso siqala ukwanda, futhi imikhiqizo eminingi ehlobene njenge-cash registers, imishini ehlakaniphile, kanye ne-handhelds yethulwa ngokulandelana. Ngokusetshenziswa okukhulu kwenkokhelo yekhodi ye-sweep, izinga lokusetshenziswa kwe-sweep code cash registers nalo liphezulu, futhi izinhlobo zazo ze-terminal zifaka phakathi i-cash registers, amabhokisi okukhokha e-sweep code, i-smart cash registers, i-face payment terminals, imishini ephathwayo yonke-in-one, umsindo we-cash register, njll. Phakathi kwazo, imikhiqizo ye-terminal efanele ye-New World, i-Honeywell, i-Shangmee, i-Sunray, i-Comet, kanye ne-Cash Register Bar isakazeke emakethe yokukhokha.
Isikhathi sokuthunyelwe: Meyi-24-2023