Posachedwapa, WeChat yatulutsa mwalamulo ntchito yolipira palm swipe ndi terminal. Pakadali pano, WeChat Pay yagwirizana ndi Beijing Metro Daxing Airport Line kuti iyambe ntchito ya "palm swipe" ku Caoqiao Station, Daxing New Town Station ndi Daxing Airport Station. Palinso nkhani yoti Alipay ikukonzekeranso kuyambitsa ntchito yolipira palm swipe.
Kulipira pogwiritsa ntchito njira ya palm swipe kwabweretsa nkhani zambiri monga njira imodzi yolipirira pogwiritsa ntchito njira ya biometric, n’chifukwa chiyani kwabweretsa chidwi ndi kukambirana kwakukulu? Kodi kudzangochitika ngati kulipira pamaso? Kodi kulipira pogwiritsa ntchito njira ya biometric kudzafika bwanji pa kuchuluka kwa malipiro a QR code omwe akugwiritsidwa ntchito pamsika?
Malipiro a biometric, kuyesetsa kukonza
Pambuyo poti nkhani ya malipiro a palm swipe yalengezedwa pagulu, ukadaulo wozikidwa pa entropy, Han Wang Technology, Yuanfang Information, Baxxon Intelligence ndi zina zokhudzana ndi mfundo zawonjezeka kwambiri. Apanso, malipiro a palm adapangitsa kuti ukadaulo wa biometric ukhale patsogolo pa malingaliro a aliyense.
Mu Seputembala 2014, Alipay wallet ndi Huawei adayambitsa limodzi njira yoyamba yolipirira zala ku China, ndipo pambuyo pake kulipira zala kunakhala ukadaulo wogwiritsidwa ntchito kwambiri mu biometrics, ndipo kutsegula zala kunalowanso m'munda wanzeru wa kunyumba ndipo kunakhala gawo lofunika la luntha. Kuzindikira zala ndiko kuwerenga mawonekedwe a epidermal a chala, pomwe kulipira kwa chala kumagwiritsa ntchito njira yodziwira "kachikwama ka kanjedza + mtsempha wa kanjedza", yomwe ndi yovuta kubwerezabwereza ndikuyipanga, ndipo ndi njira yolipira yopanda media, yosakhudzana, yonyamulika kwambiri komanso yotetezeka kwambiri.
Ukadaulo wina wa biometric womwe wakwezedwa pantchito yolipira ndi kuzindikira nkhope. Mu 2014, Jack Ma adawonetsa koyamba ukadaulo wolipira nkhope, kenako mu 2017, Alipay adalengeza kukhazikitsidwa kwa kulipira nkhope mu lesitilanti ya KPRO ya KFC ndipo adagulitsidwa. "Dragonfly". WeChat idatsatiranso, ndipo mu 2017 shopu yoyamba ya WeChat Pay yogulitsa mafashoni a nkhope idafika ku Shenzhen; kenako mu 2019 WeChat Pay idagwirizananso ndi Huajie Amy kuti akhazikitse chipangizo cholipira nkhope "Frog". 2017 iPhone X idayambitsa ukadaulo wozindikira nkhope wa 3D kumunda wolipira komanso idasintha mwachangu mafashoni ......
Kwa zaka pafupifupi zisanu kuchokera pamene njira yosinthira nkhope yayamba, makampani akuluakulu akhala akupikisana kwambiri pamsika wolipira pogwiritsa ntchito njira yosinthira nkhope, mpaka kufika potenga msika ndi ndalama zothandizira zambiri. Alipay inali ndi njira yolimbikitsira yobwezera ndalama zokwana 0.7 yuan kwa miyezi 6 kwa aliyense wogwiritsa ntchito njira yosinthira nkhope kwa amalonda omwe amagwiritsa ntchito zida zodzichitira okha zosinthira nkhope.
Pakadali pano, masitolo akuluakulu ndi masitolo ogulitsa zinthu zotsika mtengo ndi malo omwe kulipira pamaso kumagwiritsidwira ntchito kwambiri, koma kafukufuku wamsika adapeza kuti anthu ochepa amagwiritsa ntchito kulipira pamaso, ndipo nthawi zambiri makasitomala sapempha kuti agwiritse ntchito, ndipo chiwongola dzanja cha Alipay pa nkhope ndi chachikulu kuposa cha WeChat payment.
Kalelo zinkatenga zaka zinayi mpaka zisanu kuti anthu avomereze kudziwika kuyambira ndalama mpaka ma code ambiri, koma kulipira pankhope posinthana kunali kulephereka chifukwa cha kutayika kwa zachinsinsi, ma algorithm, chinyengo ndi zifukwa zina. Poyerekeza ndi gawo lolipira, kuzindikira nkhope m'malo mwake kumagwiritsidwa ntchito kwambiri pakutsimikizira kuti ndiwe ndani.
Kuchokera pamalingaliro aukadaulo, kulipira pamanja kudzakhala kotetezeka komanso kolondola kuposa kulipira pamanja, ndipo pogwiritsa ntchito ukadaulo wochotsa chidziwitso cha deta ndi kubisa deta, zitha kuwonetsetsa kuti ogwiritsa ntchito akugwiritsa ntchito bwino. Kuchokera ku B-side, njira yotsimikizira ya "kusindikiza pamanja + mtsempha wa kanjedza" yolipira pamanja imatha kulimbitsa mzere wowongolera zoopsa wa amalonda, monga zakudya, masitolo ogulitsa ndi mafakitale ena, kulipira pamanja kungathandize kwambiri kuyendetsa bwino malipiro ndikuchepetsa nthawi yolipira ndi ndalama zogwirira ntchito; Kuchokera ku C-side, kulipira pamanja kungathandizenso ogwiritsa ntchito, magwiridwe antchito akuluakulu monga kusalipira magetsi, ayi Kuchokera ku C-side, kulipira pamanja kungathandizenso ogwiritsa ntchito, makamaka munjira yolipira popanda magetsi komanso kulipira popanda kukhudza.
Msika wolipira wawonekera
Pali mitundu iwiri ikuluikulu ya njira zolipirira pafoni zomwe anthu amagwiritsa ntchito masiku ano, imodzi ndi yolipira pa intaneti, monga Taobao, kulipira pa intaneti ku Jingdong, kusamutsa anzanu ku Alipay WeChat, ndi zina zotero; ina ndi kulipira kudzera pa mafoni am'manja, monga momwe nthawi zambiri zimakhalira kulipira pogwiritsa ntchito ma code awiri.
Ndipotu, kulipira koyambirira kwa mafoni kumachitika makamaka kudzera mu NFC, mu 2004, Philips, Sony, Nokia adayambitsa limodzi NFC Forum, ndipo adayamba kulimbikitsa kugwiritsa ntchito ukadaulo wa NFC. Mu 2005, patangopita zaka zitatu kuchokera pamene China UnionPay idakhazikitsa gulu lapadera la polojekiti, lomwe limayang'anira kutsata ndi kufufuza za chitukuko cha NFC; mu 2006, China UnionPay idakhazikitsa chip ya khadi la ndalama la IC Mu 2006, China UnionPay idakhazikitsa njira yolipirira pafoni pogwiritsa ntchito chip ya khadi la ndalama la IC; mu 2009, China Unicom idakhazikitsa foni yam'manja yosinthidwa ndi tchipisi ya NFC yomangidwa mkati.
Mapeto
Komabe, chifukwa cha kukwera kwa 3G komanso kuti ma POS terminals sanali otchuka panthawiyo, malipiro a NFC sanayambitse chisokonezo pamsika. Mu 2016, Apple Pay idavomereza malipiro a NFC m'maola 12 kuchokera pamene idakhazikitsidwa, omwe adapitilira 38 miliyoni, zomwe zidalimbikitsa kwambiri chitukuko cha malipiro a NFC. Mpaka pano, NFC idayamba kugwiritsidwa ntchito m'njira zinazake monga malipiro apakompyuta (monga malipiro a digito a RMB touch), makhadi a magalimoto mumzinda, access control, ndi eID (electronic identification of civilians network) m'madera awa.
Kuchuluka kwa ndalama zomwe zimalipidwa ndi Alipay ndi WeChat pafupifupi chaka cha 2014 kunapangitsa kuti zikhale zovuta kuti Samsung Pay, yomwe idayambitsidwa ndi Samsung mu 2016, Xiaomi's Mi Pay ndi Huawei's Huawei Pay zilowe mumsika wolipira mafoni aku China. M'chaka chomwecho, Alipay idayambitsa kusonkhanitsa ma QR code, zomwe zidawonjezeranso ubwino wolipira pogwiritsa ntchito swipe limodzi ndi kubuka kwa kugawana njinga.
Pamene ogulitsa ambiri ayamba kulowa, kulipira ma code obisika kunalimbitsa pang'onopang'ono malo ake pamsika wolipira. Malinga ndi deta, kulipira ma code a QR kumakhalabe njira yolipirira yolipira pafoni mu 2022, ndipo gawo lake linafika 95.8%. Mu kotala lachinayi la 2022 lokha, kuchuluka kwa malonda pamsika wogula ma code osakhala pa intaneti ku China kunali RMB 12.58 trillion.
Kulipira ma code a QR kumachitika ndi wogwiritsa ntchito amene akupereka QR code, kutengera ukadaulo wozindikira zithunzi. Pamene pulogalamuyo ikufalikira, kufunikira kwa msika kumayambanso kukwera, ndipo zinthu zambiri zokhudzana nazo monga ma cash registers, makina anzeru, ndi zonyamula m'manja zimayambitsidwa chimodzi ndi chimodzi. Ndi kuchuluka kwa ntchito yolipira ma code a sweep, kuchuluka kwa ma cash registers a sweep code nakonso kumakhala kokwera, ndipo mitundu yawo ya ma terminal ikuphatikizapo ma cash registers, mabokosi olipira ma code a sweep, ma smart cash registers, ma face payment terminals, makina onse ogwiritsira ntchito m'manja, mawu a cash register, ndi zina zotero. Pakati pawo, zinthu zoyenera za ma terminal a New World, Honeywell, Shangmee, Sunray, Comet, ndi Cash Register Bar zafalikira pamsika wolipira.
Nthawi yotumizira: Meyi-24-2023