Vuba aha, WeChat yashyize ahagaragara ku mugaragaro igikorwa cyo kwishyura hakoreshejwe palm swipe na terminal. Kuri ubu, WeChat Pay yifatanyije na Beijing Metro Daxing Airport Line gutangiza serivisi ya "palm swipe" kuri sitasiyo ya Caoqiao, sitasiyo ya Daxing New Town na sitasiyo ya Daxing Airport. Hari kandi amakuru avuga ko Alipay iteganya gutangiza igikorwa cyo kwishyura hakoreshejwe palm.
Kwishyura hakoreshejwe uburyo bwa "palm swipe" byateje urusaku rwinshi nk'imwe mu ikoranabuhanga ryo kwishyura hakoreshejwe uburyo bwa "biometric", kuki byakuruye ibitekerezo n'ibiganiro byinshi? Ese bizahinduka nk'aho wishyuye ku maso? Ni gute kwishyura hakoreshejwe uburyo bwa "biometric payment" bizagera ku mubare munini w'amafaranga yishyurwa na QR code muri iki gihe?
Kwishyura hakoreshejwe biometric, guharanira imiterere
Nyuma y’uko inkuru y’uburyo bwo kwishyura hakoreshejwe intoki ishyizwe ahagaragara, ikoranabuhanga rishingiye ku ikoranabuhanga rya entropy, Han Wang Technology, Yuanfang Information, Baxxon Intelligence n’ibindi bifitanye isano naryo byariyongereye cyane. Nanone, uburyo bwo kwishyura hakoreshejwe intoki bwashyize imbere ikoranabuhanga rya biometric mu bitekerezo bya buri wese.
Muri Nzeri 2014, Alipay wallet na Huawei batangije gahunda ya mbere isanzwe yo kwishyura ibikumwe mu Bushinwa, hanyuma kwishyura ibikumwe byabaye ikoranabuhanga rikoreshwa cyane muri biometrics, kandi gufungura ibikumwe nabyo byinjiye mu ikoranabuhanga ryo mu rugo biba igice cy'ingenzi cy'ubwenge. Kumenya ibikumwe ni ugusoma imiterere y'urutoki, mu gihe kwishyura ibikumwe bikoresha sisitemu yo kumenya "palm print + palm vein", bigoye kuyikora no kuyihimba, kandi ni uburyo bwo kwishyura butagira itangazamakuru, budahuza, bushobora kwimurwa cyane kandi bufite umutekano uhagije.
Irindi koranabuhanga rya biometric ryatejwe imbere mu rwego rwo kwishyura ni ukumenya isura. Mu 2014, Jack Ma yerekanye bwa mbere ikoranabuhanga ryo kwishyura isura, hanyuma mu 2017, Alipay yatangaje gutangiza uburyo bwo kwishyura isura muri resitora ya KFC ya KPRO maze itangira kugurishwa. "Dragonfly". WeChat yakurikijeho, maze mu 2017 iduka rya mbere rya WeChat Pay mu rwego rw'igihugu ry'imideli y'ubwenge bwo kurebana isura ryageze i Shenzhen; hanyuma mu 2019 WeChat Pay nayo yifatanyije na Huajie Amy gutangiza igikoresho cyo kwishyura isura "Frog". 2017 iPhone X yatangije ikoranabuhanga rya 3D mu rwego rwo kwishyura ndetse inahindura vuba imikorere y'inganda ......
Mu myaka hafi itanu ishize, ibihangange bikomeye byagiye bihangana cyane ku isoko ryo kwishyurana ku buso, ndetse bigera n'aho bigarurira isoko inkunga nini. Alipay yari ifite uburyo bwo gushishikariza abantu kwishyura amafaranga angana na 0.7 yuan mu gihe cy'amezi 6 kuri buri mucuruzi ukoresha ibikoresho binini byo kwishyuza ku buso.
Muri iki cyiciro, amaduka manini n'amaduka acuruza ibikoresho byoroshye niho hakoreshwa cyane kwishyurana ku maso, ariko ubushakashatsi ku isoko bwagaragaje ko abantu bake bakoresha kwishyurana ku maso, kandi muri rusange abakiriya ntibasaba kubikoresha, kandi igipimo cyo kwishyura Alipay ku maso kiri hejuru ugereranyije n'icyo kwishyura WeChat.
Icyo gihe byatwaraga imyaka ine kugeza kuri itanu kugira ngo abantu bemere kwemerwa kuva ku mafaranga kugeza ku makode menshi, ariko kwishyurana imbonankubone byarabangamiwe mu iterambere ryabyo bitewe n’ibanga ry’ubuzima bwite, uburyo bwo kwishyura, impimbano n’izindi mpamvu. Ugereranyije n’uburyo bwo kwishyura, kwemerwa imbonankubone bikoreshwa cyane mu kugenzura umwirondoro.
Mu buryo bwa tekiniki, kwishyura hakoreshejwe palm swipe bizaba bifite umutekano kandi byuzuye kuruta kwishyura hakoreshejwe imbunda, kandi hakoreshejwe ikoranabuhanga ryo kudakoresha amakuru no kuyakoresha mu buryo bwo gufunga amakuru, bishobora gutuma abakoresha bakoresha neza. Uhereye ku ruhande rwa B, uburyo bwo kugenzura uburyo bwo kwishyura hakoreshejwe palm print + palm vein bushobora gukaza umurongo wo kugenzura ingaruka z'abacuruzi, nko mu bucuruzi, mu maduka n'izindi nganda, kwishyura hakoreshejwe palm print bishobora kunoza cyane imikorere myiza yo kwishyura no kugabanya igihe cyo kwishyura n'ikiguzi cy'abakozi; uvuye ku ruhande rwa C, kwishyura hakoreshejwe palm print bishobora no kunoza ubunararibonye bw'abakoresha, imikorere y'ingenzi nko kutishyura amashanyarazi, oya Uhereye ku ruhande rwa C, kwishyura hakoreshejwe palm print bishobora no kunoza ubunararibonye bw'abakoresha, cyane cyane mu buryo bwo kwishyura nta mashanyarazi no kwishyura nta guhuza.
Isoko ry'ubwishyu ryaragaragaye
Hari ubwoko bubiri bw'ingenzi bw'uburyo bwo kwishyurana hakoreshejwe telefoni zigendanwa bukoreshwa n'abantu muri iki gihe, bumwe ni ukwishyura kuri interineti, nka Taobao, kwishyura kuri interineti muri Jingdong, kohereza amafaranga kuri Alipay WeChat, n'ibindi; ubundi ni ukwishyura ukoresheje terefone zigendanwa, nk'uburyo busanzwe bwo kwishyura hakoreshejwe kode ebyiri.
Mu by’ukuri, kwishyurana hakiri kare kuri telefoni zigendanwa ahanini bikorwa binyuze muri NFC, mu 2004, Philips, Sony, na Nokia batangije ihuriro rya NFC, batangira guteza imbere ikoreshwa ry’ikoranabuhanga rya NFC mu bucuruzi. Mu 2005, imyaka itatu gusa nyuma y’ishyirwaho rya China UnionPay bashyizeho itsinda ryihariye ry’umushinga, rishinzwe gukurikirana no gukora ubushakashatsi ku iterambere rya NFC; mu 2006, China UnionPay yatangije chip ya karita ya IC y’imari Mu 2006, China UnionPay yatangije igisubizo cyo kwishyura kuri telefoni zigendanwa gishingiye kuri chip ya karita ya IC y’imari; mu 2009, China Unicom yatangije telefoni igendanwa yihariye ikoresha ikarita ifite chip ya NFC yubatswemo.
Umwanzuro
Ariko, bitewe n’izamuka rya 3G n’uko ibyuma bya POS bitari bikunzwe icyo gihe, kwishyurana kwa NFC ntibyateje akavuyo ku isoko. Mu 2016, Apple Pay yemeje ko amafaranga ya NFC mu mubare w’amakarita ya banki yafashwe mu masaha 12 nyuma yo gutangira gukoreshwa yarengaga miliyoni 38, ibyo bikaba byarateje imbere cyane iterambere ry’amafaranga ya NFC. Kugeza ubu, NFC yagaragaye mu bihe byihariye byo kwishyurana hakoreshejwe ikoranabuhanga (nk’uburyo bwo kwishyurana hakoreshejwe ikoranabuhanga rya RMB), amakarita y’umuhanda mu mujyi, uburyo bwo kugenzura ubwikorezi, na eID (uburyo bwo kumenya umuturage mu buryo bw’ikoranabuhanga) muri utwo duce.
Izamuka ryihuta ry’uburyo bwo kwishyura Alipay na WeChat ahagana mu 2014 ryagoye Samsung Pay, yatangijwe na Samsung mu 2016, Mi Pay ya Xiaomi na Huawei Pay ya Huawei kwinjira ku isoko ryo kwishyurana kuri telefoni zigendanwa mu Bushinwa. Muri uwo mwaka, Alipay yatangije ikusanyirizo rya kode za QR, yongera ibyiza byo kwishyurana hamwe no kwigaragaza kw’uburyo bwo gusangira igare.
Kubera ko abacuruzi benshi binjiraga, kwishyura kode ya sweep byakomeje gukomera ku isoko ry’ubwishyu. Dukurikije amakuru, kwishyura kode ya QR bikomeje kuba uburyo busanzwe bwo kwishyura kuri telefoni zigendanwa mu 2022, aho umugabane wayo wageze kuri 95.8%. Mu gihembwe cya kane cya 2022 gusa, igipimo cy’ubucuruzi ku isoko ry’Ubushinwa ryo gukusanya kode hanze cyari tiriyari 12.58 z’ama-ruble.
Kwishyura kode ya QR bikorwa n'umukoresha agaragaza kode ya QR, hashingiwe ku ikoranabuhanga ryo kumenya amashusho. Uko porogaramu igenda ikwirakwira, icyifuzo cy'isoko nacyo gitangira kwiyongera, kandi ibicuruzwa byinshi bifitanye isano nka rejisitiri z'amafaranga, imashini zigezweho, n'ibikoresho byo mu ntoki bishyirwa hamwe kimwe ku kindi. Hamwe n'ubwinshi bw'ikoreshwa ry'amafaranga yo kwishyura kode, igipimo cy'ikoreshwa ry'amarejisitiri y'amafaranga yo kwishyura nacyo kiri hejuru, kandi ubwoko bwazo burimo rejisitiri z'amafaranga, udusanduku two kwishyura kode yo kwishyura, rejisitiri z'amafaranga zo mu ntoki, rejisitiri z'amafaranga zo kwishyura ku maso, imashini zikoreshwa mu ntoki zose, amajwi yo kwishyura, n'ibindi. Muri byo, ibicuruzwa bireba New World, Honeywell, Shangmee, Sunray, Comet, na Cash Register Bar byakwirakwijwe ku isoko ry'ubwishyu.
Igihe cyo kohereza: Gicurasi-24-2023