Vuba aha, WeChat yasohoye kumugaragaro ibikorwa byo kwishyura byimikindo. Kugeza ubu, WeChat Pay yifatanije n’ikibuga cy’indege cya Beijing Metro Daxing gutangiza serivisi ya "palm swipe" kuri Sitasiyo ya Caoqiao, Sitasiyo Nshya ya Daxing na Sitasiyo y’indege ya Daxing. Hariho amakuru avuga ko Alipay nayo iteganya gutangiza ibikorwa byo kwishyura imikindo.
Kwishura imikindo byateje impuha nyinshi nka bumwe mu buhanga bwo kwishyura biometric, kuki byatanze ibitekerezo byinshi no kuganira? Bizaturika gusa nko kwishyura isura? Nigute ubwishyu bwa biometric bugiye gucamo kugeza mubwinshi bwa QR code yishyurwa ubu ifata isoko?
Kwishyura biometrike, guharanira imiterere
Nyuma yuko amakuru yo kwishyura imikindo ashyizwe ahagaragara, ikoranabuhanga rishingiye kuri entropiya, Han Wang Technology, amakuru ya Yuanfang, Baxxon Intelligence hamwe n’ibindi bitekerezo bifitanye isano byazamutse cyane. Na none, kwishyura imikindo byasunikiraga tekinoroji ya biometrici imbere yibitekerezo bya buri wese.
Muri Nzeri 2014, umufuka wa Alipay na Huawei bafatanyije gutangiza gahunda ya mbere isanzwe yo kwishyura urutoki mu Bushinwa, hanyuma kwishyura urutoki bigeze kuba ikoranabuhanga ryakoreshejwe cyane muri biometrike, kandi gufungura urutoki nabyo byinjiye mu rugo rw’ubwenge kandi biba igice cy'ingenzi mu bwenge. . Kumenyekanisha urutoki nugusoma icyorezo cya epidermal yintoki, mugihe ubwishyu bwimikindo bukoresha sisitemu yo kumenyekanisha "palm print + palm vein", bigoye kuyigana no guhimba, kandi ni itangazamakuru ridafite itangazamakuru, ridahuza, ryoroshye cyane kandi uburyo bwo kwishyura bwizewe cyane.
Ubundi buhanga bwa biometrike bwatejwe imbere murwego rwo kwishyura ni ukumenya isura. 2014, Jack Ma yabanje kwerekana tekinoroji yo kwishyura mu maso, hanyuma muri 2017, Alipay atangaza ko yatangije kwishyura muri resitora ya KPRO ya KFC maze ajya mu bucuruzi. "Ikiyoka". WeChat yarakurikiranye, maze muri 2017 WeChat Pay yambere yambere yubumenyi bwimyambarire yimyambarire yigihugu i Shenzhen; hanyuma muri 2019 WeChat Pay nayo yifatanije na Huajie Amy gutangiza igikoresho cyo kwishyura mumaso "Igikeri". 2017 iPhone X yazanye tekinoroji yo kumenyekanisha isura ya 3D murwego rwo kwishyura kandi nayo yimuye vuba inzira yinganda ......
Mu myaka igera kuri itanu kuva hashyizweho uburyo bwo guhanagura amasura, ibihangange bikomeye byahatanaga cyane cyane ku isoko ryo kwishyura ibicuruzwa, ndetse bikagera n'aho bifata isoko n'inkunga nyinshi. Alipay yari ifite uburyo bwo gushimangira 0.7 yuan ikomeza kugabanyirizwa amezi 6 kuri buri mukoresha wohanagura isura kubacuruzi bakoresha ecran nini ya swipe yo kwikorera wenyine.
Kuri iki cyiciro, amaduka manini n'amaduka yorohereza niho hakoreshwa uburyo bwo kwishyura mu maso, ariko ubushakashatsi bwakozwe ku isoko bwerekanye ko umubare muto w'abantu bari gukoresha amafaranga yo kwishyura, kandi muri rusange abakiriya ntibasaba cyane kubikoresha, ndetse n'igipimo cyo gukwirakwiza Alipay face yishyurwa irenze iyo kwishyura WeChat.
Icyo gihe byatwaye imyaka ine kugeza kuri itanu kugirango abantu bemere kumenyekana kuva kumafaranga kugeza kode yohanagura, ariko kwishyura swipe yabujijwe gutera imbere kubera kumena ibanga, algorithms, inyandiko mpimbano nizindi mpamvu. Ugereranije n'umwanya wo kwishyura, kumenyekanisha isura ahubwo bikoreshwa cyane mukugenzura indangamuntu.
Urebye muburyo bwa tekiniki, kwishyura imikindo bizaba bifite umutekano kandi byukuri kuruta kwishura swipe, kandi ukoresheje data desensisisation hamwe na tekinoroji yo kubika amakuru, birashobora kwemeza neza imikoreshereze yabakoresha neza. Uhereye kuri B-uruhande, "imikindo yerekana imikindo + imikindo" uburyo bubiri bwo kugenzura imikindo irashobora gukaza umurongo wo kugenzura ingaruka z’abacuruzi, nko kugaburira, gucuruza n’izindi nganda, kwishyura imikindo birashobora kuzamura cyane uburyo bwo kwishyura no kugabanya ubwishyu igihe n'amafaranga y'akazi; uhereye kuri C-kuruhande, kwishyura imikindo birashobora kandi kunoza uburambe bwabakoresha, imikorere yingenzi nko kutishyura amashanyarazi, oya Kuva kuri C-kuruhande, kwishyura imikindo birashobora kandi kuzamura uburambe bwabakoresha, cyane muburyo bwo kwishyura nta mashanyarazi no kwishyura utabishaka. .
Isoko ryo kwishyura ryagaragaye
Hariho ubwoko bubiri bwingenzi bwuburyo bwo kwishyura bukoreshwa nabantu muri iki gihe, bumwe ni ubwishyu kumurongo, nka Taobao, Jingdong yo kugura kumurongo, kwishura inshuti ya Alipay WeChat, nibindi.; ikindi ni ubwishyu binyuze mumaterefone ya terefone, nkibisanzwe ni ugukuraho kode yuburyo bubiri.
Mubyukuri, kwishura kuri terefone hakiri kare bigerwaho ahanini binyuze muri NFC, mu 2004, Philips, Sony, Nokia bafatanyije gutangiza NFC Forum, batangira guteza imbere ubucuruzi bwikoranabuhanga rya NFC. 2005, nyuma yimyaka itatu gusa hashyizweho Ubushinwa UnionPay hashyizweho itsinda ryihariye ryumushinga, ushinzwe gukurikirana no gukora ubushakashatsi ku iterambere rya NFC; mu 2006, Ubushinwa UnionPay bwatangije ikarita y’imari ya IC ishingiye ku 2006 Mu 2006, China UnionPay yatangije igisubizo cyo kwishyura kuri terefone igendanwa ishingiye ku ikarita y’imari ya IC; muri 2009, Ubushinwa Unicom bwashyize ahagaragara ikarita yihariye ya terefone igendanwa hamwe na chip ya NFC yubatswe.
Umwanzuro
Ariko, kubera izamuka rya 3G no kuba POS itumanaho itari ikunzwe icyo gihe, ubwishyu bwa NFC ntabwo bwateje akavuyo ku isoko. Mu mwaka wa 2016, Apple Pay yemeye kwishyura NFC mu mubare w'amakarita ya banki ateganijwe mu masaha 12 uhereye igihe yatangiriye kurenga miliyoni 38, ibyo bikaba byateje imbere cyane iterambere rya NFC. Iterambere kugeza ubu, NFC yaguye muburyo bwihariye bwo kwishyura hakoreshejwe ikoranabuhanga (nko kwishyurwa hakoreshejwe amafaranga ya digitale ya digitale), amakarita yumuhanda wo mumujyi, kugenzura uburyo, hamwe na eID (kumenyekanisha hakoreshejwe imiyoboro ya elegitoronike).
Kwihuta kwinshi kwa Alipay na WeChat byishyurwa mu mwaka wa 2014 byatumye bigora Samsung Pay, yatangijwe na Samsung mu 2016, Mi Pay ya Xiaomi na Huawei Pay ya Huawei kwinjira mu isoko ry’ubwishyu kuri telefone. Muri uwo mwaka, Alipay yatangije ikusanyamakuru rya QR, irushaho kongera ibyiza byo kwishyura byihannye hamwe no kuvuka gusangira amagare.
Hamwe nabacuruzi benshi kandi benshi, kwishura kode yo kwishura buhoro buhoro byakomeje umwanya waryo ku isoko ryo kwishyura. Dukurikije amakuru, QR code yishyurwa ikomeje kuba uburyo bwo kwishyura kuri terefone igendanwa mu 2022, umugabane wacyo ukagera kuri 95.8%. Muri Q4 2022 honyine, igipimo cy’ubucuruzi bw’isoko ry’isoko rya interineti ry’Ubushinwa cyari miliyari 12.58.
QR yishura kode irangizwa numukoresha yerekana QR code, ishingiye kubuhanga bwo kumenyekanisha amashusho. Mugihe porogaramu ikwirakwira, isoko ryisoko naryo ritangira kwiyongera, kandi ibicuruzwa byinshi bifitanye isano nkibikoresho byandika, imashini zikoresha ubwenge, hamwe nintoki zimenyekana nyuma yizindi. Hamwe nubunini bunini bwo kwishura kode yo kwishura, igipimo cyo gukoresha kode ya kode ya kode nayo iri hejuru, kandi ubwoko bwabo bwanyuma burimo kwandikisha amafaranga, agasanduku ko kwishyura kode yo kwishura, kwandikisha amafaranga yubwenge, kwishura kwishura, gukoresha imashini zose-imwe-imwe , amajwi yerekana amajwi, nibindi. Muri byo, ibicuruzwa byinjira mu Isi Nshya, Honeywell, Shangmee, Sunray, Comet, na Cash Register Bar byakwirakwijwe mu isoko ryo kwishyura.
Igihe cyo kohereza: Gicurasi-24-2023