Dhawaan, WeChat si rasmi ah ayay u soo saartay shaqada lacag bixinta ee timirta iyo terminalka. Waqtigan xaadirka ah, WeChat Pay waxay la shaqeysay Beijing Metro Daxing Airport Line si ay u bilaabaan adeegga "timirta" ee Saldhigga Caoqiao, Saldhigga Magaalada Daxing ee New iyo Saldhigga Garoonka Diyaaradaha ee Daxing. Waxaa sidoo kale jira warar sheegaya in Alipay ay sidoo kale qorsheyneyso inay bilowdo shaqo lacag bixin ah oo timirta ah.
Lacag bixinta timirta ayaa abuurtay buuq badan iyadoo ka mid ah tignoolajiyada lacag bixinta biometric-ka, maxay u keentay dareen iyo dood badan? Ma si fudud ayay u dhici doontaa sida lacag bixinta wejiga? Sidee bay lacag bixinta biometric-ku ugu gudbi doontaa tirada badan ee lacagaha QR-ka ee hadda suuqa ku jira?
Lacag-bixinta Biometric-ka, oo ku dadaalaysa qaab-dhismeedka
Ka dib markii la shaaciyay warka ku saabsan lacag bixinta timirta, tignoolajiyada ku salaysan entropy-ga, Han Wang Technology, Yuanfang Information, Baxxon Intelligence iyo saamiyada kale ee la xiriira ayaa kor u kacay. Mar labaad, lacag bixinta timirta ayaa tignoolajiyada biometric-ga ku riixday maskaxda qof walba.
Bishii Sebtembar 2014, Alipay wallet iyo Huawei waxay si wadajir ah u bilaabeen nidaamkii ugu horreeyay ee caadiga ahaa ee lacag bixinta faraha ee Shiinaha, ka dibna lacag bixinta faraha ayaa mar noqotay tikniyoolajiyadda ugu isticmaalka badan ee bayoolajiga, furitaanka faraha ayaa sidoo kale gashay goobta guriga ee casriga ah waxayna noqotay qayb muhiim ah oo ka mid ah sirdoonka. Aqoonsiga faraha waa in la akhriyo qaabka epidermal ee farta, halka lacag bixinta calaacasha ay isticmaasho nidaamka aqoonsiga "daabacaadda timirta + xididka timirta", kaas oo ay adag tahay in la nuqulo oo la been abuuro, waana hab lacag bixin oo aan warbaahin lahayn, aan xiriir lahayn, aad loo qaadi karo oo aad u ammaan ah.
Tiknoolajiyadda kale ee biometric-ga ah ee lagu dhiirrigeliyay goobta lacag bixinta waa aqoonsiga wejiga. 2014, Jack Ma wuxuu markii ugu horreysay muujiyay tiknoolajiyadda lacag bixinta wejiga, ka dibna 2017, Alipay wuxuu ku dhawaaqay in la bilaabayo lacag bixinta wejiga makhaayadda KFC ee KFC wuxuuna noqday mid ganacsi. "Dragonfly". WeChat ayaa ku xigtay, sannadkii 2017 dukaankii ugu horreeyay ee qaranka ee WeChat Pay ee moodada wejiga ayaa ka degay Shenzhen; ka dibna sannadkii 2019 WeChat Pay ayaa sidoo kale ku biirtay Huajie Amy si ay u soo bandhigto aaladda lacag bixinta wejiga "Frog". 2017 iPhone X waxay soo bandhigtay tiknoolajiyadda aqoonsiga wejiga 3D ee goobta lacag bixinta waxayna sidoo kale si dhakhso ah u dhaqaajisay isbeddellada warshadaha ......
Ku dhawaad shan sano tan iyo markii la soo bandhigay wareejinta wejiga, shirkadaha waaweyn waxay si gaar ah ugu tartamayeen suuqa lacag bixinta wejiga, xitaa waxay gaareen heer ay suuqa ku qabsadaan kabitaanno culus. Alipay waxay lahayd hab dhiirigelin ah oo ah 0.7 yuan oo ah lacag celin joogto ah muddo 6 bilood ah isticmaale kasta oo wejiga ah oo loogu talagalay ganacsatada isticmaala aaladaha is-adeegsiga shaashadda weyn.
Marxaladdan, suuqyada waaweyn iyo dukaamada fudud ayaa ah meelaha ugu badan ee lagu dabaqo lacagta wajiga, laakiin sahan suuqeed ayaa lagu ogaaday in tiro yar oo dad ah ay isticmaali doonaan lacagta wejiga, guud ahaan macaamiishuna si firfircoon uma weydiistaan inay isticmaalaan, heerka caymiska ee lacagta wejiga ee Alipayna wuu ka sarreeyaa kan lacagta WeChat.
Waagii hore waxay qaadan jirtay afar ilaa shan sano in dadku ay aqbalaan aqoonsiga laga bilaabo lacag caddaan ah ilaa lambarro sir ah, laakiin lacagta sir-si ...
Marka laga eego dhinaca farsamada, lacag bixinta timirta waxay noqon doontaa mid ammaan ah oo sax ah marka loo eego lacag bixinta wejiga, iyadoo la adeegsanayo tignoolajiyada ka-hortagga xogta iyo sirta xogta, waxay si wax ku ool ah u hubin kartaa isticmaalka badbaadada leh ee isticmaalayaasha. Laga soo bilaabo dhinaca B, habka xaqiijinta laba-geesoodka ah ee "daabacaadda timirta + xididka timirta" ee lacag bixinta timirta ayaa adkeyn kara khadka xakamaynta khatarta ee ganacsatada, sida cuntada, tafaariiqda iyo warshadaha kale, lacag bixinta timirta waxay si weyn u horumarin kartaa hufnaanta lacag bixinta waxayna yareyn kartaa kharashka waqtiga lacag bixinta iyo shaqada; dhinaca C, lacag bixinta timirta waxay sidoo kale hagaajin kartaa khibradda isticmaalaha, waxqabadka ugu weyn sida lacag bixinta korontada la'aanta ah, maya Dhinaca C, lacag bixinta timirta waxay sidoo kale kor u qaadi kartaa khibradda isticmaalaha, inta badan qaabka lacag bixinta korontada la'aanta ah iyo lacag bixinta aan taabashada lahayn.
Muuqaalka suuqa lacag bixinta ayaa soo ifbaxay
Waxaa jira laba nooc oo ugu waaweyn oo hababka lacag bixinta moobaylka ah ay dadku maanta isticmaalaan, mid waa lacag bixinta khadka tooska ah, sida Taobao, lacag bixinta khadka tooska ah ee Jingdong, wareejinta saaxiibka ee Alipay WeChat, iwm.; mid kalena waa lacag bixinta iyada oo loo marayo terminaalka taleefanka casriga ah, sida tan ugu badan waa in la nadiifiyo lacag bixinta koodhka laba-geesoodka ah.
Xaqiiqdii, lacag bixinta moobaylka ee hore waxaa inta badan lagu sameeyaa NFC, sannadkii 2004, Philips, Sony, iyo Nokia waxay si wadajir ah u bilaabeen Madasha NFC, waxayna bilaabeen inay kor u qaadaan adeegsiga ganacsi ee tignoolajiyada NFC. 2005, saddex sano uun ka dib markii la aasaasay China UnionPay waxay sameeyeen koox mashruuc gaar ah, oo mas'uul ka ah la socodka iyo cilmi-baarista horumarinta NFC; sannadkii 2006, China UnionPay waxay bilowday chip-ka kaarka IC-ga ee maaliyadeed Sannadkii 2006, China UnionPay waxay bilowday xal lacag-bixin moobayl ah oo ku salaysan chip-ka kaarka IC-ga ee maaliyadeed; sannadkii 2009, China Unicom waxay soo saartay taleefan gacmeed oo loogu talagalay in lagu sawiro kaarka oo leh chip NFC ah oo ku dhex jira.
Gunaanad
Si kastaba ha ahaatee, sababtoo ah kororka 3G iyo xaqiiqda ah in terminaalka POS uusan caan ahayn waqtigaas, lacagaha NFC ma aysan kicin suuqa. Sannadkii 2016, Apple Pay waxay qaadatay lacagaha NFC tirada kaararka bangiga ee ku xiran 12 saacadood gudahood markii la bilaabay waxayna dhaaftay 38 milyan, taasoo si weyn u dhiirrigelisay horumarinta lacagaha NFC. Horumarka ilaa hadda, NFC wuxuu ku soo beegmay xaalado gaar ah oo ah lacagaha elektaroonigga ah (sida lacag bixinta taabashada RMB ee dijitaalka ah), kaararka taraafikada magaalada, xakamaynta gelitaanka, iyo eID (aqoonsiga elektaroonigga ah ee shabakadda muwaadiniinta) ee meelahaas.
Lacag-bixinta degdegga ah ee Alipay iyo WeChat ee la sameeyay sannadkii 2014 ayaa ku adkaatay Samsung Pay, oo ay Samsung bilowday sannadkii 2016, Mi Pay ee Xiaomi iyo Huawei Pay ee Huawei inay galaan suuqa lacag-bixinta moobaylka ee Shiinaha. Isla sannadkaas, Alipay wuxuu bilaabay ururinta koodhka QR, taasoo sii kordhisay faa'iidooyinka lacagaha la mariyo iyadoo lala kaashanayo soo ifbixidda wadaagga baaskiillada.
Iyadoo ay sii kordhayaan tafaariiqleyaasha ku biiraya, lacag bixinta koodhka sirta ah ayaa si tartiib tartiib ah u xoojisay booskeeda suuqa lacag bixinta. Sida laga soo xigtay xogta, lacag bixinta koodhka QR ayaa weli ah habka lacag bixinta ugu weyn ee lacagaha moobaylka sanadka 2022, iyadoo saamigeedu uu gaaray 95.8%. Rubuca 4aad ee 2022 oo keliya, heerka macaamilka ee suuqa ka saarista koodhka ee Shiinaha ee offline-ka ah wuxuu ahaa RMB 12.58 tiriliyan.
Lacag bixinta koodhka QR waxaa dhammaystira isticmaalaha oo soo bandhigaya koodhka QR, iyadoo lagu saleynayo tignoolajiyada aqoonsiga sawirka. Marka codsigu sii fido, baahida suuqa ayaa sidoo kale bilaabata inay korodho, waxaana la soo bandhigayaa badeecooyin badan oo la xiriira sida diiwaanka lacagta caddaanka ah, mashiinnada casriga ah, iyo qalabka gacanta lagu qaato midba midka kale. Iyada oo la adeegsanayo mugga badan ee bixinta koodhka sirta ah, heerka isticmaalka ee diiwaannada lacagta caddaanka ah ee koodhka sirta ah ayaa sidoo kale sarreeya, noocyada terminal-koodana waxaa ka mid ah diiwaannada lacagta caddaanka ah, sanduuqyada lacag bixinta ee koodhka sirta ah, diiwaannada lacagta caddaanka ah ee casriga ah, terminal-yada lacag bixinta wejiga, mashiinnada gacanta oo dhan-ku-jira, maqalka diiwaanka lacagta caddaanka ah, iwm. Kuwaas waxaa ka mid ah, alaabada terminal-ka ee khuseeya ee New World, Honeywell, Shangmee, Sunray, Comet, iyo Cash Register Bar ayaa lagu faafiyay caymiska suuqa lacag bixinta.
Waqtiga boostada: Maajo-24-2023