Muva nje, i-WeChat ikhiphe ngokusemthethweni umsebenzi wokukhokha ngokuswayipha kwesundu kanye nesiphetho. Njengamanje, i-WeChat Pay ihlanganyele izandla ne-Beijing Metro Daxing Airport Line ukwethula isevisi "yokuswayipha ngesundu" e-Caoqiao Station, Daxing New Town Station kanye nase-Daxing Airport Station. Kukhona nezindaba zokuthi i-Alipay ihlela nokwethula umsebenzi wokukhokha izintende.
Inkokhelo yokuswayipha ngesundu idale umsindo omkhulu njengobunye bobuchwepheshe bokukhokha be-biometric, kungani idale ukunakwa nezingxoxo ezingaka? Ingabe izovele iqhume njengenkokhelo yobuso? Ngabe inkokhelo ye-biometric izongena kanjani kumthamo omkhulu wezinkokhelo zekhodi ye-QR ekhona emakethe njengamanje?
Izinkokhelo ze-biometric, ilwela ukwakheka
Ngemuva kokuthi izindaba zokukhokhelwa ngokuswayipha kwesundu zenziwe esidlangalaleni, ubuchwepheshe obusekelwe ku-entropy, i-Han Wang Technology, i-Yuanfang Information, i-Baxxon Intelligence kanye nezinye izitoko ezihambisanayo zikhuphuke kakhulu. Nakulokhu futhi, ukukhokhelwa kwesundu kwaphusha ubuchwepheshe bebhayomethrikhi bafika phambili emqondweni wawo wonke umuntu.
NgoSepthemba 2014, isikhwama semali i-Alipay kanye noHuawei bethula ngokuhlanganyela uhlelo lokuqala olujwayelekile lokukhokhwa kwezigxivizo zeminwe eChina, kwase kuba ukukhokha kwezigxivizo zeminwe kwaba ubuchwepheshe obusetshenziswa kakhulu kubhayomethrikhi, kanye nokuvula izigxivizo zeminwe nakho kwangena emkhakheni wasekhaya ohlakaniphile futhi kwaba yingxenye ebalulekile yobuhlakani. . Ukuqashelwa kwezigxivizo zeminwe ukufunda iphethini ye-epidermal yomunwe, kuyilapho inkokhelo yesundu isebenzisa uhlelo lokuhlonza lwe-"palm print + palm vein", okunzima ukuliphindaphinda nokwenza, futhi alunamidiya, aluthintwayo, luphatheka kalula futhi indlela yokukhokha ephephe kakhulu.
Obunye ubuchwepheshe be-biometric obuthuthukisiwe emkhakheni wokukhokha ukuqashelwa kobuso. Ngo-2014, uJack Ma waqala ukubonisa ubuchwepheshe bokukhokha ngobuso, kwathi ngo-2017, u-Alipay wamemezela ukwethulwa kwenkokhelo yobuso endaweni yokudlela ye-KPRO yakwa-KFC futhi wathengisa. "Dragonfly". I-WeChat yalandela okufanayo, kwathi ngo-2017 isitolo semfashini yobuhlakani bobuso be-WeChat Pay sokuqala safika e-Shenzhen; kwathi ngo-2019 i-WeChat Pay nayo yajoyina no-Huajie Amy ukwethula idivayisi yokukhokha yobuso ethi "Frog". I-iPhone X yango-2017 yethula ubuchwepheshe bokubona ubuso be-3D emkhakheni wokukhokha futhi yahambisa ngokushesha izitayela zemboni ......
Eminyakeni ecishe ibe mihlanu selokhu kwethulwe ukuswayipha ubuso, iziqhwaga ezinkulu beziqhudelana kanzima ikakhulukazi emakethe yokukhokha yokuswayipha ebusweni, zize zize zibambe imakethe ngemixhaso enzima. U-Alipay ubenendlela yokukhuthaza engu-0.7 yuan yesaphulelo esiqhubekayo izinyanga ezingu-6 kumsebenzisi ngamunye wokuswayipha ubuso kubathengisi abasebenzisa amadivayisi okuzisiza ngokuswayipha ubuso besikrini esikhulu.
Kulesi sigaba, izitolo ezinkulu nezitolo ezithengisa izinto ezilula ziyizindawo lapho kusetshenziswa khona kakhulu inkokhelo yobuso, kodwa inhlolovo yemakethe yathola ukuthi inani elincane labantu lingasebenzisa inkokhelo yobuso, futhi ngokuvamile amakhasimende awakuceli ukukusebenzisa, kanye nezinga lokukhokha Inkokhelo yobuso be-Alipay iphakeme kunaleyo yenkokhelo ye-WeChat.
Emuva ngaleso sikhathi kwathatha iminyaka emine kuya kwemihlanu ukuthi abantu bamukele ukuqashelwa kusuka emalini kuye kumakhodi ashanelayo, kodwa inkokhelo yokuswayipha ubuso yaphazanyiswa ekuthuthukisweni kwayo ngenxa yokuputshuka kobumfihlo, ama-algorithms, umgunyathi nezinye izizathu. Uma kuqhathaniswa nenkundla yokukhokha, ukunakwa kobuso kusetshenziswa kabanzi ekuqinisekiseni ubuwena.
Ngokombono wezobuchwepheshe, inkokhelo yokuswayipha ngesundu izovikeleka kakhulu futhi inembe kunenkokhelo yokuswayipha ngobuso, futhi ngokusebenzisa i-data densitization kanye nobuchwepheshe bokubethela idatha, ingaqinisekisa ngempumelelo ukusetshenziswa okuphephile kwabasebenzisi. Kusukela ku-B-side, "i-palm print + palm vein" imodi yokuqinisekisa yezinto ezimbili zokukhokha intende ingaqinisa ulayini wokulawula ubungozi wabathengisi, njengokuphakela, ukudayisa nezinye izimboni, ukukhokhelwa kwesundu kungathuthukisa kakhulu ukusebenza kahle kokukhokha futhi kunciphise inkokhelo. izindleko zesikhathi nezabasebenzi; kusukela ku-C-side, ukukhokha kwesundu kungathuthukisa ulwazi lomsebenzisi, ukusebenza okuyinhloko njengokungakhokhiswa kukagesi, cha Ukusuka ohlangothini lwe-C, ukukhokha kwesundu kungathuthukisa ulwazi lomsebenzisi, ikakhulukazi ngendlela yokukhokha ngaphandle kukagesi kanye nokukhokha ngaphandle kokuthinta .
Isimo semakethe yezinkokhelo sesivele
Kunezinhlobo ezimbili eziyinhloko zezindlela zokukhokha zeselula ezisetshenziswa abantu namuhla, eyodwa inkokhelo ye-inthanethi, njengeTaobao, i-Jingdong yokukhokha yokuthenga nge-inthanethi, ukudluliswa komngane we-Alipay WeChat, njll.; enye inkokhelo ngamatheminali e-smartphone, okuvame kakhulu ukushanela inkokhelo yekhodi enezinhlangothi ezimbili.
Eqinisweni, inkokhelo yeselula yangaphambi kwesikhathi itholakala ikakhulukazi nge-NFC, ngo-2004, i-Philips, i-Sony, i-Nokia ngokuhlanganyela yethula i-NFC Forum, yaqala ukukhuthaza ukusetshenziswa kwezohwebo kobuchwepheshe be-NFC. 2005, eminyakeni emithathu nje ngemva kokusungulwa kwe-China UnionPay yasungula ithimba lephrojekthi ekhethekile, elibhekele ukulandelela nokucwaninga ngokuthuthukiswa kwe-NFC; ngo-2006, i-China UnionPay yethula ikhadi le-IC lezezimali elisekelwe ku-chip Ngo-2006, i-China UnionPay yethula isixazululo sokukhokha ngeselula esisekelwe ku-chip yekhadi le-IC lezezimali; ngo-2009, i-China Unicom yethula ikhadi elenziwe ngokwezifiso lokuswayipha umakhalekhukhwini nge-chip ye-NFC eyakhelwe ngaphakathi.
Isiphetho
Kodwa-ke, ngenxa yokukhuphuka kwe-3G kanye neqiniso lokuthi amatheminali e-POS ayengadumile ngaleso sikhathi, izinkokhelo ze-NFC azizange zisuse isiphithiphithi emakethe. Ngo-2016, i-Apple Pay yamukela izinkokhelo ze-NFC ngenani lamakhadi asebhange aboshwe kungakapheli amahora ayi-12 yethulwa ladlula izigidi ezingama-38, okukhuthaze kakhulu ukuthuthukiswa kwezinkokhelo ze-NFC. Ukuthuthuka kuze kube manje, i-NFC yenyuka ezimeni ezithile zokukhokha nge-elekthronikhi (ezifana nenkokhelo yedijithali ye-RMB), amakhadi omgwaqo wedolobha, ukulawula ukufinyelela, kanye ne-eID (ukuhlonza nge-elekthronikhi kwenethiwekhi yezakhamizi) kulezi zindawo.
Ukushanela okusheshayo kwezinkokhelo ze-Alipay ne-WeChat ngonyaka ka-2014 kwenze kwaba nzima ku-Samsung Pay, eyethulwe ngabakwaSamsung ngo-2016, iMi Pay yakwaXiaomi kanye neHuawei Pay yakwaHuawei ukungena emakethe yokukhokha yamaselula yaseChina. Ngawo lowo nyaka, u-Alipay wethule ukuqoqwa kwekhodi ye-QR, ekhulisa kakhulu izinzuzo zokuswayipha izinkokhelo ngokuhambisana nokuvela kokwabelana ngebhayisikili.
Ngokujoyina abathengisi abaningi, inkokhelo yekhodi yokushanela kancane kancane yaqinisa isikhundla sayo emakethe yokukhokha. Ngokwedatha, ukukhokha ngekhodi ye-QR kusalokhu kuyindlela yokukhokha evamile yezinkokhelo zeselula ngo-2022, kanti isabelo sakhona sifinyelela ku-95.8%. Ngo-Q4 2022 kuphela, isikali sokwenziwa kwemakethe yaseChina yokushanela ikhodi engaxhunyiwe ku-inthanethi sasingu-RMB 12.58 trillion.
Inkokhelo yekhodi ye-QR iqedwa umsebenzisi ethula ikhodi ye-QR, ngokusekelwe kubuchwepheshe bokubona izithombe. Njengoba isicelo sisabalala, isidingo semakethe siqala ukwanda, futhi inqwaba yemikhiqizo ehlobene njengamarejista emali, imishini ehlakaniphile, nezibambi zezandla kwethulwa ngokulandelana. Ngokusetshenziswa kwevolumu enkulu yokukhokha ngekhodi yokushanela, izinga lokusetshenziswa kwamarejista emali yekhodi yokushanela nawo liphezulu, futhi izinhlobo zawo zokugcina zihlanganisa amarejista emali, amabhokisi okukhokha amakhodi okushanela, amarejista emali ahlakaniphile, amatheminali okukhokha ebusweni, imishini ephathwa ngesandla yonke into eyodwa. , umsindo werejista yemali, njll. Phakathi kwazo, imikhiqizo yetheminali efanelekile ye-New World, i-Honeywell, i-Shangmee, i-Sunray, i-Comet, ne-Cash Register Bar iye yasakazwa emakethe yokukhokha.
Isikhathi sokuthumela: May-24-2023