Kutshanje, iWeChat ikhuphe ngokusesikweni umsebenzi wokuhlawula nge-palm swipe kunye ne-terminal. Okwangoku, iWeChat Pay idibene neBeijing Metro Daxing Airport Line ukuqalisa inkonzo "yokuswayipha nge-palm" kwiSitishi saseCaoqiao, kwiSitishi saseDaxing New Town kunye nakwiSitishi seSitishi saseDaxing Airport. Kukho iindaba zokuba i-Alipay ikwaceba ukuqalisa umsebenzi wokuhlawula nge-palm swipe.
Intlawulo yesandla idale ingxolo enkulu njengenye yeendlela zobuchwepheshe zokuhlawula ngebhayomethrikhi, kutheni le nto idale ingqwalasela nengxoxo engaka? Ngaba iza kuphuma nje intlawulo yobuso? Intlawulo yebhayomethrikhi iza kuphumela njani kwinani elikhulu leentlawulo zekhowudi ye-QR ezikwimarike ngoku?
Iintlawulo zebhayomethrikhi, ukuzama ukucwangcisa
Emva kokuba iindaba zokuhlawula nge-palm swipe zipapashwe eluntwini, ubuchwepheshe obusekelwe kwi-entropy, iHan Wang Technology, iYuanfang Information, iBaxxon Intelligence kunye nezinye izinto ezinxulumene noko ziye zanda kakhulu. Kwakhona, ukuhlawula nge-palm kwatyhalela phambili ubuchwepheshe be-biometric engqondweni yomntu wonke.
NgoSeptemba ka-2014, i-Alipay wallet kunye neHuawei baqalise inkqubo yokuqala esemgangathweni yokuhlawula ngeminwe eTshayina, kwaye emva koko ukuhlawula ngeminwe kwaba yeyona teknoloji isetyenziswa kakhulu kwi-biometrics, kwaye ukuvulwa kweminwe kwangena nakwintsimi yekhaya ehlakaniphileyo kwaye kwaba yinxalenye ebalulekileyo yobukrelekrele. Ukuqatshelwa kweminwe kukufunda ipateni ye-epidermal yomnwe, ngelixa ukuhlawula ngeminwe kusebenzisa inkqubo yokuchonga "ushicilelo lwesundu + umthambo wesundu", okunzima ukuyikopisha nokuyiqamba, kwaye yindlela yokuhlawula engenazo iindaba, engadibaniyo, ephathwayo kakhulu kwaye ekhuselekileyo kakhulu.
Olunye ubuchwepheshe bebhayomethrikhi obukhuthaziweyo kwicandelo lokuhlawula kukuqaphela ubuso. Ngo-2014, uJack Ma waqala wabonisa ubuchwepheshe bokuhlawula ubuso, waza ngo-2017, i-Alipay yabhengeza ukuqaliswa kokuhlawula ubuso kwindawo yokutyela ye-KPRO ye-KFC yaza yathengiswa. "Dragonfly". I-WeChat yalandela, kwaye ngo-2017 ivenkile yokuqala yefashoni yobulumko bobuso ye-WeChat Pay yafika eShenzhen; kwaye ngo-2019 i-WeChat Pay yajoyina noHuajie Amy ukuqalisa isixhobo sokuhlawula ubuso "Frog". I-iPhone X ka-2017 yazisa ubuchwepheshe bokubona ubuso be-3D kwicandelo lokuhlawula kwaye yatshintsha ngokukhawuleza iindlela zoshishino ......
Kwiminyaka ephantse ibe mihlanu ukusukela oko kwaqaliswa inkqubo yokuswayipha ubuso, ezi nkampani zinkulu bezikhuphisana kakhulu kwimarike yokuhlawula ngokuswayipha ubuso, zide zafikelela kwinqanaba lokuba zifumane imakethi ngezibonelelo ezinkulu. I-Alipay yayinenkqubo yokukhuthaza isaphulelo esiqhubekayo se-0.7 yuan kangangeenyanga ezi-6 kumsebenzisi ngamnye wokuswayipha ubuso kubarhwebi abasebenzisa izixhobo zokuzinceda ngokuswayipha ubuso ngesikrini esikhulu.
Okwangoku, iivenkile ezinkulu kunye neevenkile ezithengisa izinto eziluncedo zezona ndawo apho intlawulo yobuso isetyenziswa khona, kodwa uphando lwemarike lufumanise ukuba inani elincinci labantu lingasebenzisa intlawulo yobuso, kwaye ngokubanzi abathengi abaceli ukuyisebenzisa, kwaye izinga lokugubungela intlawulo yobuso ye-Alipay liphezulu kunelentlawulo ye-WeChat.
Ngelo xesha kwakuthatha iminyaka emine ukuya kwemihlanu ukuba abantu bamkele ukuqatshelwa ukusuka kwimali ukuya kwiikhowudi ezigqithisileyo, kodwa intlawulo yokuswayipha ubuso yayithintelwa ekuqhubekeni kwayo ngenxa yokuvuza kwabucala, ii-algorithms, ubuqhetseba kunye nezinye izizathu. Xa kuthelekiswa nentsimi yokuhlawula, ukuqatshelwa kobuso endaweni yoko kusetyenziswa kakhulu ekuqinisekiseni ubuwena.
Ngokwembono yobugcisa, intlawulo yokuswayipha ngesandla iya kuba ikhuselekile kwaye ichaneke ngakumbi kunentlawulo yokuswayipha ngesandla, kwaye ngokusebenzisa iteknoloji yokususa ulwazi kwidatha kunye nokubethela idatha, inokuqinisekisa ngokufanelekileyo ukusetyenziswa ngokukhuselekileyo kwabasebenzisi. Kwicala le-B, indlela yokuqinisekisa intlawulo yesandla "yoshicilelo lwesundu + umthambo wesundu" yezinto ezimbini inokuqinisa umgca wolawulo lomngcipheko wabathengisi, njengokupheka, ukuthengisa kunye namanye amashishini, intlawulo yesundu inokuphucula kakhulu ukusebenza kakuhle kwentlawulo kwaye inciphise ixesha lokuhlawula kunye neendleko zabasebenzi; kwicala le-C, intlawulo yesundu inokuphucula amava omsebenzisi, ukusebenza okuphambili njengokungahlawuli umbane, hayi Kwicala le-C, intlawulo yesundu inokuphucula amava omsebenzisi, ikakhulu ngendlela yentlawulo engenambane kunye nentlawulo engenakuthintana.
Imeko yemarike yentlawulo ivele
Kukho iintlobo ezimbini eziphambili zeendlela zokuhlawula ngefowuni ezisetyenziswa ngabantu namhlanje, enye kukuhlawula kwi-intanethi, njengeTaobao, intlawulo yokuthenga kwi-intanethi yaseJingdong, ukudluliselwa komhlobo kwi-Alipay WeChat, njl.njl.; enye kukuhlawula ngee-terminals ze-smartphone, njengeyona ixhaphakileyo kukuhlawula ngekhowudi enamacala amabini.
Enyanisweni, intlawulo yeselula kwangoko yenziwa nge-NFC, ngo-2004, iPhilips, iSony, neNokia baqalise iNFC Forum ngokudibeneyo, baqala ukukhuthaza ukusetyenziswa kwetekhnoloji yeNFC kwezorhwebo. Ngo-2005, kwiminyaka emithathu nje emva kokumiselwa kweChina UnionPay baseka iqela leprojekthi elikhethekileyo, elinoxanduva lokulandelela nokuphanda uphuhliso lweNFC; ngo-2006, iChina UnionPay yaqalisa i-chip yekhadi le-IC lezemali Ngo-2006, iChina UnionPay yaqalisa isisombululo sokuhlawula ngeselula esisekelwe kwi-chip yekhadi le-IC lezemali; ngo-2009, iChina Unicom yaqalisa ifowuni ephathwayo eyenzelwe wena ene-chip ye-NFC eyakhelwe ngaphakathi.
Isiphelo
Nangona kunjalo, ngenxa yokwanda kwe-3G kunye nenyani yokuba ii-terminals ze-POS zazingathandeki ngelo xesha, iintlawulo ze-NFC azizange zibangele isiphithiphithi kwimarike. Ngo-2016, i-Apple Pay yamkela iintlawulo ze-NFC kwinani lamakhadi ebhanki abophekileyo kwiiyure ezili-12 emva kokuqaliswa kwayo zadlula kwi-38 yezigidi, nto leyo eyakhuthaza kakhulu uphuhliso lweentlawulo ze-NFC. Uphuhliso ukuza kuthi ga ngoku, i-NFC ivele kwiimeko ezithile zeentlawulo ze-elektroniki (ezifana nentlawulo ye-RMB touch yedijithali), amakhadi e-traffic esixeko, ulawulo lokufikelela, kunye ne-eID (i-electronic identification of civilians network) kwezi ndawo.
Ukwanda ngokukhawuleza kweentlawulo ze-Alipay kunye ne-WeChat malunga nowama-2014 kwenza kwaba nzima kwi-Samsung Pay, eyasungulwa yi-Samsung ngo-2016, i-Xiaomi's Mi Pay kunye ne-Huawei's Huawei Pay ukuba zingene kwimarike yokuhlawula ngefowuni yaseTshayina. Kuloo nyaka mnye, i-Alipay yaqalisa ukuqokelelwa kwekhowudi ye-QR, nto leyo eyandisa ngakumbi iingenelo zokuhlawula nge-swipe kunye nokuvela kokwabelana ngebhayisekile.
Njengoko abathengisi abaninzi bengena, intlawulo yekhowudi ye-sweep iye yaqinisa kancinci indawo yayo kwimarike yentlawulo. Ngokwedatha, intlawulo yekhowudi ye-QR iseyeyona ndlela iphambili yokuhlawula kwiintlawulo zeselfowuni ngo-2022, isabelo sayo sifikelela kwi-95.8%. Kwikota yesi-4 ka-2022 kuphela, isikali sentengiselwano kwimarike yaseTshayina yokuhlawula iikhowudi ngaphandle kwe-intanethi yayiyi-RMB 12.58 trillion.
Intlawulo yekhowudi ye-QR igqitywa ngumsebenzisi obonisa ikhowudi ye-QR, ngokusekelwe kubuchwepheshe bokuqaphela imifanekiso. Njengoko usetyenziso lusasazeka, imfuno yemarike nayo iqala ukwanda, kwaye uninzi lweemveliso ezinxulumene nazo ezifana neerejista zemali, oomatshini abakrelekrele, kunye nee-handheld ziziswa enye emva kwenye. Ngokusetyenziswa okukhulu kwentlawulo yekhowudi ye-sweep, izinga lokusetyenziswa kweerejista zemali zekhowudi ye-sweep nalo liphezulu, kwaye iintlobo zazo zesiphelo ziquka iirejista zemali, iibhokisi zentlawulo zekhowudi ye-sweep, iirejista zemali ezikrelekrele, iiterminal zentlawulo yobuso, oomatshini abaphathwa ngesandla bonke, isandi serejista yemali, njl. Phakathi kwazo, iimveliso ezifanelekileyo zesiphelo zeNew World, iHoneywell, iShangmee, iSunray, iComet, kunye neCash Register Bar zisasazwe kwimarike yentlawulo.
Ixesha lokuthumela: Meyi-24-2023