Kutshanje, i-WeChat ikhuphe ngokusemthethweni umsebenzi wentlawulo yesundu kunye ne-terminal. Okwangoku, i-WeChat Pay idibanise izandla kunye ne-Beijing Metro Daxing Airport Line ukuze iqalise inkonzo "yokuswayipha" kwiSikhululo saseCaoqiao, kwiSikhululo seDolophu esitsha saseDaxing kunye neSikhululo seenqwelomoya saseDaxing. Kukho neendaba zokuba i-Alipay iceba ukuqalisa umsebenzi wokuhlawula isundu.
Intlawulo yokuswayipha yesundu idale i-buzz eninzi njengenye yetekhnoloji yentlawulo yebhayometriki, kutheni ivelise ingqwalasela eninzi kunye nengxoxo? Ngaba iya kuqhushumba njengentlawulo yobuso? Intlawulo yebhayometriki iza kutyhoboza njani iye kumthamo omkhulu weentlawulo zekhowudi ye-QR ekhoyo ngoku emarikeni?
Iintlawulo zebhayometriki, sizama ukuyila
Emva kokuba iindaba zentlawulo yokuswayipha yesundu zenziwe esidlangalaleni, itekhnoloji esekwe kwi-entropy, iTekhnoloji yeHan Wang, iYuanfang Information, iBaxxon Intelligence kunye nezinye izitokhwe ezihambelanayo ziye zanda phezulu. Kwakhona, intlawulo yesundu yatyhala itekhnoloji yebhayometriki kwindawo ephambili yengqondo yomntu wonke.
NgoSeptemba 2014, i-wallet ye-Alipay kunye ne-Huawei ngokudibeneyo basungule isicwangciso sokuqala esisemgangathweni sentlawulo yeminwe e-China, kwaye emva koko intlawulo yeminwe yayiyeyona teknoloji isetyenziswa kakhulu kwi-biometrics, kunye nokuvula iminwe kuye kwangena kwintsimi yasekhaya kwaye yaba yinxalenye ebalulekileyo yobukrelekrele. . Ukuqatshelwa kweminwe kukufunda ipateni ye-epidermal yomnwe, ngelixa intlawulo yesundu isebenzisa inkqubo yokuchonga "i-palm print + palm vein", ekunzima ukuyiphindaphinda kunye nokwenza, kwaye ayinamajelo eendaba, ayidibanisi, iphathekayo kwaye indlela yokuhlawula ekhuseleke kakhulu.
Enye iteknoloji yebhayometriki eye yakhuthazwa kwintsimi yentlawulo kukuqaphela ubuso. Ngo-2014, uJack Ma waqala wabonisa itekhnoloji yokuhlawula ubuso, emva koko ngo-2017, u-Alipay wabhengeza ukuqaliswa kwentlawulo yobuso kwindawo yokutyela ye-KPRO ye-KFC kwaye waya kwintengiso. "Dragonfly". I-WeChat yalandela, kwaye ngo-2017 ivenkile yokuqala ye-WeChat Pay yesizwe yefashoni yobulumko yafika eShenzhen; kwaye ke ngo-2019 i-WeChat Pay nayo yajoyina no-Huajie Amy ukuqalisa isixhobo sokuhlawula ubuso "Frog". Ngo-2017 i-iPhone X yazisa itekhnoloji yokuqaphela ubuso be-3D kwindawo yentlawulo kwaye yahambisa ngokukhawuleza iindlela zoshishino ......
Kwiminyaka ephantse ibe mihlanu ukusukela oko kwasungulwa i-Face Swayipe, izigebenga ezinkulu ziye zakhuphisana ngokukrakra kwimarike yentlawulo yokuswayipha, de ziye kuthi ga ngoku ukubamba imakethi ngenkxaso-mali enzima. U-Alipay wayenendlela yenkuthazo ye-0.7 yuan yesaphulelo esiqhubekayo kwiinyanga ezi-6 kumsebenzisi ngamnye we-swayipha yobuso kubathengisi abasebenzisa izixhobo zokuzinceda zesikrini.
Kweli nqanaba, iivenkile ezinkulu kunye neevenkile eziluncedo zindawo apho intlawulo yobuso isetyenziswa ngakumbi, kodwa uphando lwemarike lufumanise ukuba inani elincinane labantu liya kusebenzisa intlawulo yobuso, kwaye ngokubanzi abathengi abaceli ukuyisebenzisa ngokukhutheleyo, kunye nenqanaba lokugubungela. Intlawulo yobuso be-Alipay iphezulu kunaleyo yentlawulo ye-WeChat.
Emva phaya kwathatha iminyaka emine ukuya kwemihlanu ukuba abantu bamkele ukuvunywa ukusuka kwimali ukuya kwiikhowudi zokutshayela, kodwa intlawulo yokuswayipha ebusweni yayithintelwe kwinkqubela phambili yayo ngenxa yokuvuza kwabucala, i-algorithms, ubuqhophololo kunye nezinye izizathu. Xa kuthelekiswa nenkundla yentlawulo, ukuqondwa kobuso endaweni yoko kusetyenziswa ngokubanzi ekuqinisekiseni ubuwena.
Ukusuka kumbono wobugcisa, intlawulo yokuswayipha yesundu iya kukhuseleka ngakumbi kwaye ichaneke kunentlawulo yokuswayipha ebusweni, kwaye ngokusebenzisa i-desensitiization yedatha kunye nobuchwepheshe bokubethelwa kwedatha, inokuqinisekisa ngokufanelekileyo ukusetyenziswa ngokukhuselekileyo kwabasebenzisi. Ukusuka kwicala le-B, "i-palm print + palm vein" indlela yokuqinisekisa izinto ezimbini zentlawulo yesundu inokuqinisa umgca wokulawula umngcipheko wabarhwebi, njengokutya, ukuthengisa kunye namanye amashishini, ukuhlawulwa kwesundu kunokuphucula kakhulu ukusebenza kwentlawulo kunye nokunciphisa intlawulo. ixesha kunye neendleko zomsebenzi; ukusuka kwicala le-C, intlawulo yesundu inokuphucula amava omsebenzisi, ukusebenza okuphambili njengokungabikho kwentlawulo yombane, akukho Ukusuka kwicala le-C, intlawulo yesundu inokuphucula amava omsebenzisi, ngokuyininzi kwindlela yokuhlawula umbane kunye nentlawulo yombane. .
Imbonakalo yemarike yeentlawulo iye yavela
Kukho iintlobo ezimbini eziphambili zeendlela zokuhlawula ngeselula ezisetyenziswa ngabantu namhlanje, enye intlawulo ye-intanethi, njengeTaobao, i-Jingdong intlawulo yokuthenga kwi-intanethi, ukudluliselwa komhlobo we-Alipay WeChat, njl.; enye yintlawulo ngeetheminali ze-smartphone, njengeyona nto ixhaphakileyo kukutshayela intlawulo yekhowudi enamacala amabini.
Enyanisweni, intlawulo yokuqala yeselula ibonakala ngokusetyenziswa kwe-NFC, kwi-2004, i-Philips, i-Sony, i-Nokia ngokuhlangeneyo isungule i-NFC Forum, yaqala ukukhuthaza ukusetyenziswa korhwebo lwe-teknoloji ye-NFC. I-2005, kwiminyaka emithathu emva kokusekwa kwe-China UnionPay yaseka iqela leprojekthi ekhethekileyo, elijongene nokulandelela kunye nokuphanda ukuphuhliswa kwe-NFC; kwi-2006, i-China UnionPay yasungula ikhadi le-IC lekhadi le-chip-based kwi-2006, i-China UnionPay yasungula isisombululo sentlawulo yeselula esekelwe kwi-chip yekhadi le-IC yemali; in 2009, China Unicom usungule ikhadi ngokuswayipha ifowuni ephathwayo kunye eyakhelwe-ngaphakathi chip NFC.
Ukuqukumbela
Nangona kunjalo, ngenxa yokunyuka kwe-3G kunye nenyaniso yokuba ii-terminals ze-POS azizange zidume ngelo xesha, iintlawulo ze-NFC azizange ziqalise ukuxakeka kwimarike. Kwi-2016, i-Apple Pay yamkele iintlawulo ze-NFC kwinani lamakhadi ebhanki aboshwe kwiiyure ze-12 zokusungulwa kwayo idlula i-38 yezigidi, eyakhuthaza kakhulu ukuphuhliswa kweentlawulo ze-NFC. Uphuhliso ukuza kuthi ga ngoku, i-NFC yanda kwiimeko ezithile zeentlawulo ze-elektroniki (ezifana nentlawulo yedijithali ye-RMB yokuchukumisa), amakhadi etrafikhi esixeko, ulawulo lokufikelela, kunye ne-eID (ukuchongwa nge-elektroniki kothungelwano lwabemi) kwezi ndawo.
Ukutshayela ngokukhawuleza kwe-Alipay kunye ne-WeChat yokutshayela iintlawulo malunga ne-2014 yenza kube nzima kwi-Samsung Pay, eyasungulwa yi-Samsung ngo-2016, i-Xiaomi ye-Mi Pay kunye ne-Huawei Pay ye-Huawei ukungena kwimarike yentlawulo yaseTshayina. Ngaloo nyaka, u-Alipay uqalise ukuqokelelwa kwekhowudi ye-QR, ukwandisa ngakumbi izibonelelo zeentlawulo ze-swipe ngokubambisana nokuvela kokwabelana ngebhayisikili.
Ngokujoyina ngakumbi nangakumbi abathengisi, intlawulo yekhowudi yokutshayela ngokuthe ngcembe yaqina indawo yayo kwimarike yentlawulo. Ngokutsho kwedatha, intlawulo yekhowudi ye-QR ihlala iyindlela yokuhlawula eqhelekileyo kwiintlawulo zeselula kwi-2022, kunye nesabelo sayo sifikelela kwi-95.8%. Kwi-Q4 2022 iyodwa, isikali sentengiselwano ye-China ye-offline code-sweeping market was RMB 12.58 trillion.
Intlawulo yekhowudi ye-QR igqitywe ngumsebenzisi obonisa ikhowudi ye-QR, ngokusekelwe kwiteknoloji yokuqaphela umfanekiso. Njengoko isicelo sisasazeka, imfuno yemarike nayo iqala ukwanda, kwaye inkitha yeemveliso ezinxulumeneyo ezifana nerejista yemali, oomatshini abakrelekrele, kunye nezandla ziyaziswa enye emva kwenye. Ngokusetyenziswa komthamo omkhulu wentlawulo yekhowudi yokutshayela, izinga lokusetyenziswa kwekhowudi yokutshayela iirejista zemali nazo ziphezulu, kwaye iintlobo zazo zesiphelo ziquka iirejista zemali, iibhokisi zokuhlawula ikhowudi yokutshayela, iirejista zemali ezikrelekrele, iitheminali zokuhlawula ubuso, oomatshini abaphathwa ngesandla. , i-audio yerejista yemali, njl. Phakathi kwazo, iimveliso ze-terminal ezifanelekileyo ze-New World, i-Honeywell, i-Shangmee, i-Sunray, i-Comet, kunye ne-Cash Register Bar ziye zasasazwa kwi-coverage yemarike yentlawulo.
Ixesha lokuposa: May-24-2023