Muva nje, i-WeChat ikhiphe ngokusemthethweni umsebenzi wokukhokha wesundu kanye ne-terminal. Njengamanje, i-WeChat Pay ijoyine izandla nge-Beijing Metro Daxing Airport Regiyar ukwethula insiza "yesundu Swaxipe" eCaoQiao Station, e-Daxing Isiteshi Sedolobha Esiteshini. Kukhona nezindaba ezithi Alipay futhi zihlela ukwethula umsebenzi wokukhokha wesundu.
Ukukhokha okuswayipha kwesundu kudale i-buzz eningi njengenye yobuchwepheshe bokukhokha be-biometric, kungani kukhiqize ukunakwa kakhulu nokuxoxisana? Ngabe kuzomane kuqhume njengokukhokha kobuso? Inkokhelo ye-biometric izokwehlela kanjani kuvolumu enkulu yokukhokha ikhodi ye-QR njengamanje ehlala emakethe?
Izinkokhelo ze-biometric, zilwela ukwakheka
Ngemuva kwezindaba zokukhokha okuswayipha ngePalm Swipe kwenziwa umphakathi, ubuchwepheshe obusekelwe ekungeneni, ubuchwepheshe be-haan wang, imininingwane ye-yuanfang, ubuhlakani be-baxxon kanye nezinye izitokhwe zomqondo ezihlobene ziphakeme. Nakulokhu futhi, inkokhelo yesundu icindezele ubuchwepheshe be-biometric phambili engqondweni yawo wonke umuntu.
NgoSepthemba 2014, i-Alipay Wallet yaqala ngokuhlanganyela kwisikimu esijwayelekile sokukhokha kweminwe eChina, bese kuba khona inkokhelo esetshenziswa kakhulu kuma-biometric, futhi ukuvulwa kweminwe nakho kweminwe nakho kwangena enkambu yasekhaya ehlakaniphile futhi kwaba yingxenye ebalulekile yobuhlakani. Ukuqashelwa kweminwe ukufunda iphethini ye-Epidermal yomunwe, ngenkathi inkokhelo yesundu isebenzisa i- "Palm Phrinta + Palm Vein" indlela yokukhokha engenayo, futhi ephephile, futhi ephephile.
Olunye ubuchwepheshe be-biometric obuthuthukisiwe enkundleni yenkokhelo ukuqashelwa kobuso. Ngo-2014, uJack Ma uqale wakhombisa ubuchwepheshe bokukhokha ubuso, kwathi ngo-2017, u-Alipay umemezele ukwethulwa kokukhokha kobuso endaweni yokudlela yaseKPRC futhi waya kwezohwebo. "Dragonfly". I-WeChat ilandelwe isudi, futhi ngo-2017 i-Kahwat Pay's National Family Fashion Fashion The Fashion The Fashion Shop e-Shenzhen; Futhi-ke ngonyaka ka-2019 we-WeChat Pay nayo ijoyine noHuajie Amy ukwethula idivaysi yokukhokha kobuso "Frog". I-Iphone X ye-2017 yethula ubuchwepheshe bokuqashelwa kobuso be-3D enkombeni yokukhokha futhi yasheshe yashukumisa izitayela zezimboni zasemboni ......
Eminyakeni ecishe ibe yimihlanu selokhu kwethulwa ngokuswayipha kobuso, ama-giants amakhulu abelokhu encintisana ngokulahla eMakethe Yokukhokha Ebusweni, aze afike ekubambeni imakethe ngoxhaso olusindayo. U-Alipay ube nenqubomgomo yokuvuselelwa kwesaphulelo esiqhubekayo esingu-0
Kulesi sigaba, izitolo ezinkulu kanye nezitolo ezisebenziseka kalula yizindawo lapho ukukhokha khona kobuso kusetshenziswe kakhulu, kepha inhlolovo yemakethe ithola ukuthi inani elincane labantu lizosebenzisa ukukhokha ubuso, futhi ngokuvamile amakhasimende angakuceli ukuwasebenzisa, futhi isilinganiso sokukhokha se-Alipay ubuso siphakeme kunalokho kwenkokhelo ye-WeChat.
Ngaleso sikhathi kwathatha iminyaka emine kuya kwemihlanu ukuthi abantu bamukele ukuqashelwa kusuka ku-Cash ngamakhodi akhukhulayo, kepha ukukhokha okuswayipha kobuso kuvinjelwe ukuthuthuka kwayo ngenxa yokuvuza ubumfihlo, ama-algorithms, ama-calseal. Uma kuqhathaniswa nensimu yokukhokha, ukuqashelwa kobuso esikhundleni salokho kusetshenziswe kabanzi ekuqinisekisweni kobunikazi.
Ukusuka eqophelweni lobuchwepheshe, inkokhelo eswayipha yesundu izophephe kakhulu futhi inembile ukwedlula ukukhokha okuswayipha kobuso, futhi ngokusebenzisa ukuxhaswa kwedatha kanye nobuchwepheshe be-data beech technology, kungaqinisekisa ngempumelelo ukusetshenziswa kwabasebenzisi okuphephile. Kusuka ohlangothini lwe-B-PRINT, I-Palm Phrinta + Imodi ye-Palm-Factor yokuqinisekisa yesundu ingaqinisa umugqa wokulawulwa kwengozi yabathengisi, njengokudla, ukuthengisa kanye nezimboni, izindleko zesundu zingathuthukisa kakhulu isikhathi sokukhokha nezindleko zokukhokha; Ukusuka ohlangothini, inkokhelo yesundu ingathuthukisa futhi isipiliyoni somsebenzisi, ukusebenza okuphambili okufana nokukhokhwa kukagesi, ukukhokha kwesundu kungathuthukisa futhi isipiliyoni somsebenzisi, ikakhulukazi inkokhelo yokukhokha kagesi kanye nokukhokha okuxhumana kahle.
Ukuvela kwemakethe yemali kuye kwavela
Kunezinhlobo ezimbili eziphambili zezindlela zokukhokha zeselula ezisetshenziswa ngabantu namuhla, enye inkokhelo ye-inthanethi, njengeTaobao, Ukukhokha okuthengwa kwe-inthanethi, ukudluliselwa komngane we-Alipay Wechat, njll; Okunye ukukhokha ngama-terminals we-smartphone, njengokujwayelekile kakhulu ukushaya inkokhelo yekhodi enezici ezimbili.
Eqinisweni, ukukhokha kusenesikhathi kweselula kutholwa ikakhulukazi nge-NFC, ngo-2004, ngo-2004, uPhilips, uSony, ngokuhlangene we-NFC, waqala ukukhuthaza ukusetshenziswa kwezentengiso kobuchwepheshe be-NFC. 2005, ngemuva nje kweminyaka emithathu ukusungulwa kweChina UnionPay kwamisa iqembu elikhethekile leprojekthi, elibhekele ukulandelela nokucwaninga ukuthuthukiswa kwe-NFC; Ngo-2006, iChina UnionPay yethule i-Card Card Chip yezezimali ngo-2006, iChina UnionPay yethule isisombululo sokukhokha iselula ngokususelwa kwi-Chip ye-IC Card Card; Ngo-2009, i-China Unicom yethule ifoni ethayipha amakhadi esenziwe ngezifiso nge-chip eyakhelwe ngaphakathi ye-NFC.
Ukugcina
Kodwa-ke, ngenxa yokukhuphuka kwe-3G neqiniso lokuthi ama-POS ama-POS awathandwa ngaleso sikhathi, izinkokhelo ze-NFC azizange ziqale ukugqama emakethe. Ngo-2016, i-Apple ihola izinkokhelo ze-NFC ze-NFC ezinamakamelo asebhange eziboshwe kungakapheli amahora ayi-12 ukwethulwa kwayo kudlula izigidi ezingama-38, ezakhuthaza kakhulu ukuthuthukiswa kwezinkokhelo ze-NFC. Ukuthuthukiswa kuze kube manje, i-NFC yenzelwa izimo ezithile zokukhokha nge-elekthronikhi (njengokukhokhwa kwe-Digital RMB RMB), amakhadi omgwaqo wedolobha, amakhadi okufinyelela, kanye ne-EID (Ukuhlonzwa Ngogesi (Ukuhlonzwa Ngogesi Kwezakhamizi) kulezi zindawo.
Ukuchezukiswa okusheshayo kwe-Alipay kanye ne-WeChat Sweep Payments cishe ngo-2014 kwenza kwaba nzima nge-Samsung Pay, yethulwe yi-Samsung ngonyaka we-2016, i-Huawei's Huawei ikhokha ukungena emakethe yokukhokha yeselula yaseChina. Ngawo lowo nyaka, u-Alipay wethule ukuqoqwa kwekhodi ye-QR, ekhuphula futhi izinzuzo zokuswayipha kwezinkokhelo ngokuhlangana nokwabelana ngebhayisekili.
Ngokujoyina okwengeziwe okujoyina, ukukhokha kwekhodi eshanela kancane kancane kuqiniswe esikhundleni sayo emakethe yokukhokha. Ngokusho kwemininingwane, inkokhelo yekhodi ye-QR ihlala iyindlela yokukhokha esetshenziswayo yezinkokhelo zeselula ngo-2022, ngesabelo sayo ifinyelela ku-95.8%. Ku-Q4 2022 kuphela, isilinganiso sokuthengwa kwekhodi yekhodi ye-China engaxhunyiwe ku-inthanethi kwakuyi-RMB 12.58 trillion.
Inkokhelo yekhodi ye-QR iqediwe ngumsebenzisi owethula ikhodi ye-QR, ngokususelwa kubuchwepheshe bokubona isithombe. Njengoba uhlelo lokusebenza lusakazeka, ukufunwa kwemakethe nakho kuqala ukukhuphuka, kanye nemikhiqizo ehlobene nemikhiqizo efana namarejista wemali, imishini ye-Smart, kanye nezisebenzi zezandla zethulwa ngokulandelana. Ngohlelo lokusebenza olukhulu lwevolumu yokukhokha ikhodi yokukhukhula, isilinganiso sokusebenzisa samakhodi we-Sweep Chodis aphezulu, futhi izinhlobo zazo zokugcina, amabhokisi okukhokha asebenza, njll.
Isikhathi sePosi: Meyi-24-2023