Posachedwa, WeChat idatulutsa mwalamulo ntchito yolipira ya palm swipe ndi terminal. Pakadali pano, WeChat Pay yalumikizana ndi Beijing Metro Daxing Airport Line kuti ikhazikitse ntchito ya "swipe palm" pa Caoqiao Station, Daxing New Town Station ndi Daxing Airport Station. Palinso nkhani yoti Alipay akukonzekeranso kuyambitsa ntchito yolipira kanjedza.
Kulipira kwa palm swipe kwadzetsa chisokonezo ngati imodzi mwaukadaulo wolipirira biometric, chifukwa chiyani zapangitsa chidwi komanso zokambirana zambiri? Kodi zidzangophulika ngati malipiro a nkhope? Kodi malipiro a biometric adutsa bwanji mpaka kuchuluka kwamalipiro a QR omwe ali pamsika pano?
Kulipira kwa biometric, kuyesetsa kupanga
Pambuyo pa nkhani yolipira palmu pagulu, ukadaulo wopangidwa ndi entropy, Han Wang Technology, Yuanfang Information, Baxxon Intelligence ndi malingaliro ena okhudzana nawo adakwera kwambiri. Apanso, malipiro a kanjedza anakankhira luso la biometric patsogolo pa malingaliro a aliyense.
Mu September 2014, Alipay chikwama ndi Huawei pamodzi anapezerapo chiwembu woyamba muyezo wa malipiro zala zala ku China, ndiyeno malipiro chala kamodzi anakhala luso kwambiri ntchito biometrics, ndi potsekula zala analowanso munda wanzeru kunyumba ndipo anakhala mbali yofunika ya nzeru. Kuzindikira zala ndikuwerenga mawonekedwe a epidermal chala, pomwe malipiro a kanjedza amagwiritsa ntchito chizindikiritso cha "palm print + palm vein", chomwe ndi chovuta kubwereza ndi kupanga, ndipo ndi njira yopanda media, yosalumikizana, yonyamula komanso yotetezeka kwambiri.
Ukadaulo wina wa biometric womwe walimbikitsidwa pantchito yolipira ndikuzindikira nkhope. 2014, Jack Ma adawonetsa ukadaulo wolipira kumaso, kenako mu 2017, Alipay adalengeza kukhazikitsidwa kwa kulipira kumaso kumalo odyera a KPRO a KFC ndipo adachita malonda. "Chinjoka". WeChat adatsatira zomwezo, ndipo mu 2017 WeChat Pay yoyamba yapadziko lonse lapansi yogulitsa mafashoni anzeru idafika ku Shenzhen; kenako mu 2019 WeChat Pay adalumikizananso ndi Huajie Amy kuti akhazikitse chida cholipirira nkhope "Frog". 2017 iPhone X idayambitsa ukadaulo wozindikira nkhope wa 3D kumalo olipira komanso kusuntha mwachangu zomwe zikuchitika mumakampani ......
Pafupifupi zaka zisanu chikhazikitsireni ku swipe kumaso, zimphona zazikuluzikulu zakhala zikuchita mpikisano wowopsa pamsika wamalipiro, mpaka kufika potengera msikawo ndi thandizo lalikulu. Alipay anali ndi njira yolimbikitsira ya 0.7 yuan mosalekeza kwa miyezi 6 kwa aliyense wogwiritsa ntchito swipe amaso kwa amalonda omwe amagwiritsa ntchito zida zazikulu zodziyang'anira zenera.
Pa nthawiyi, masitolo akuluakulu ndi malo ogulitsa ndi malo omwe malipiro amaso amagwiritsidwa ntchito kwambiri, koma kafukufuku wamsika adapeza kuti anthu ochepa amatha kugwiritsa ntchito malipiro a nkhope, ndipo kawirikawiri makasitomala samapempha kuti agwiritse ntchito, ndipo chiwerengero cha malipiro a Alipay ndi apamwamba kuposa malipiro a WeChat.
Kalelo zinkatenga zaka zinayi mpaka zisanu kuti anthu avomereze kuzindikiridwa kuchokera ku ndalama kupita ku ma code akusesa, koma kubweza kumaso kunali kolephereka pakukula kwake chifukwa cha kutayikira kwachinsinsi, ma aligorivimu, kuba ndi zifukwa zina. Poyerekeza ndi gawo lamalipiro, kuzindikira nkhope kumagwiritsidwa ntchito kwambiri potsimikizira chizindikiritso.
Kuchokera pamalingaliro aukadaulo, kubweza kwa palm swipe kudzakhala kotetezeka komanso kolondola kuposa kulipira kwa swipe, ndipo pogwiritsa ntchito ukadaulo wa data deensitization ndi ukadaulo wa encryption wa data, zitha kuwonetsetsa kuti ogwiritsa ntchito azigwiritsa ntchito moyenera. Kuchokera ku mbali ya B, "palm print + palm vein" njira yotsimikizirika yazinthu ziwiri za kanjedza imatha kulimbitsa mzere wowongolera chiopsezo cha amalonda, monga chakudya, malonda ogulitsa ndi mafakitale ena, malipiro a kanjedza amatha kupititsa patsogolo bwino malipiro ndikuchepetsa nthawi yolipira ndi ndalama zogwirira ntchito; kuchokera ku mbali ya C, malipiro a kanjedza amathanso kupititsa patsogolo luso la wogwiritsa ntchito, ntchito yaikulu monga kulibe malipiro a magetsi, palibe Kuchokera ku C-mbali, malipiro a kanjedza amathanso kupititsa patsogolo chidziwitso cha wogwiritsa ntchito, makamaka mu mawonekedwe a malipiro opanda magetsi ndi malipiro opanda mauthenga.
Msika wamalipiro wawonekera
Pali mitundu iwiri ikuluikulu ya njira zolipirira mafoni zomwe anthu amagwiritsa ntchito masiku ano, imodzi ndi malipiro a pa intaneti, monga Taobao, Jingdong malipiro ogula pa intaneti, Alipay WeChat Friend transfer, etc.; ina ndi yolipira kudzera pa ma terminals a foni yam'manja, monga chofala kwambiri ndikusesa malipiro amitundu iwiri.
Ndipotu, malipiro oyambirira mafoni makamaka anazindikira kudzera NFC, mu 2004, Philips, Sony, Nokia pamodzi anapezerapo NFC Forum, anayamba kulimbikitsa ntchito malonda NFC luso. 2005, patangopita zaka zitatu kuchokera pamene China UnionPay inakhazikitsa gulu lapadera la polojekiti, lomwe limayang'anira kufufuza ndi kufufuza za chitukuko cha NFC; mu 2006, China UnionPay idakhazikitsa chip khadi ya IC yachuma Mu 2006, China UnionPay idakhazikitsa njira yolipirira yam'manja pogwiritsa ntchito chip khadi ya IC; mu 2009, China Unicom anapezerapo makonda khadi Yendetsani chala chala foni yam'manja ndi anamanga-NFC Chip.
Mapeto
Komabe, chifukwa cha kukwera kwa 3G komanso kuti ma terminals a POS sanali otchuka panthawiyo, malipiro a NFC sanayambitse chipwirikiti pamsika. Mu 2016, Apple Pay idatengera zolipira za NFC pamakhadi aku banki omwe adamangidwa mkati mwa maola 12 kuchokera pomwe idakhazikitsidwa idapitilira 38 miliyoni, zomwe zidalimbikitsa kwambiri kubweza kwa NFC. Kukula mpaka pano, NFC idakwera m'malo ena olipira pakompyuta (monga kulipira kwa digito ya RMB touch), makhadi amisewu yamtawuni, kuwongolera mwayi, ndi eID (chizindikiritso chamagetsi cha nzika) m'malo awa.
Kusesa kwachangu kwa Alipay ndi WeChat kusesa kolipira kuzungulira 2014 kunapangitsa kuti zikhale zovuta kuti Samsung Pay, yomwe idakhazikitsidwa ndi Samsung mu 2016, Xiaomi's Mi Pay ndi Huawei Pay ya Huawei kulowa msika wolipira mafoni aku China. M'chaka chomwecho, Alipay adayambitsa kusonkhanitsa ma code a QR, ndikuwonjezera ubwino wa malipiro a swipe mogwirizana ndi kutuluka kwa kugawana njinga.
Ndi ogulitsa ochulukirachulukira akujowina, kusesa kwa code yolipira pang'onopang'ono kumalimbitsa malo ake pamsika wolipira. Malinga ndi data, kulipira ma code a QR kumakhalabe njira yolipirira yolipirira mafoni mu 2022, ndipo gawo lake likufikira 95.8%. Mu Q4 2022 mokha, kuchuluka kwa msika waku China wosagwiritsa ntchito ma code kunali RMB 12.58 thililiyoni.
Kulipira kwa nambala ya QR kumamalizidwa ndi wogwiritsa ntchito popereka nambala ya QR, kutengera ukadaulo wozindikira zithunzi. Pamene ntchito ikufalikira, kufunikira kwa msika kumayambanso kukwera, ndipo zinthu zambiri zokhudzana ndi ndalama monga zolembera ndalama, makina anzeru, ndi zogwirizira m'manja zimayambitsidwa motsatizana. Ndi kugwiritsa ntchito voliyumu yayikulu yolipirira ma sweep code, kuchuluka kwa zolembera za ndalama zosekera ndikwambiri, ndipo mitundu yawo yogulitsira imaphatikizapo zolembera ndalama, mabokosi olipira ndalama, zosungira ndalama zanzeru, malo olipira kumaso, makina am'manja amtundu umodzi, zomvera zomvera ndalama, ndi zina zambiri. Zina mwa izo, zogulitsira za New World, Honeywell, Shangmee, zolipira zamsika, zolipira za Sunsh ku Comet zakhala zikugwiritsidwa ntchito.
Nthawi yotumiza: May-24-2023