Dhawaan, WeChat waxay si rasmi ah u soo saartay shaqada lacag-bixinta timirta iyo terminalka. Waqtigan xaadirka ah, WeChat Pay waxa ay ku biirtay gacanta Beijing Metro Daxing Line Airport si ay u bilawdo adeegga "timirka swipe" ee Saldhigga Caoqiao, Saldhigga Cusub ee Magaalada Daxing iyo Saldhigga Madaarka Daxing. Waxa kale oo jira war sheegaya in Alipay uu sidoo kale qorsheynayo inuu bilaabo hawsha bixinta timirta.
Lacag bixinta timirta ayaa abuurtay buuq badan sida mid ka mid ah tignoolajiyada lacag-bixinta biometric, maxay u abuurtay dareen iyo dood badan? Miyuu kaliya u qarxi doonaa sidii waji lacag bixin? Sidee bay lacag-bixinta biometric-gu ugu gudbi doontaa tirada badan ee bixinta koodhka QR ee hadda haysta suuqa?
Lacag-bixinta biometric, ku dadaalida qaabeynta
Ka dib markii warka ku saabsan bixinta timirta ee timirta la soo bandhigay, tignoolajiyada ku salaysan entropy, Han Wang Technology, Macluumaadka Yuanfang, Sirdoonka Baxxon iyo kaydka fikradaha kale ee la xidhiidha ayaa kor u kacay. Mar labaad, bixinta timirta ayaa tignoolajiyada biometric u riixday safka hore ee maskaxda qof kasta.
Bishii Sebtembar 2014, Alipay boorsada iyo Huawei waxay si wadajir ah u bilaabeen nidaamkii ugu horreeyay ee jaangooyooyinka bixinta faraha ee Shiinaha, ka dibna bixinta faraha ayaa mar noqotay tignoolajiyada loogu isticmaalka badan yahay biometrics, furitaanka faraha ayaa sidoo kale galay goobta smart home waxayna noqotay qayb muhiim ah oo sirdoonka ah. Aqoonsiga sawirka faraha waa in la akhriyo qaabka farta xudunta u ah, halka lacagta timirtu ay isticmaalayso nidaamka aqoonsiga "Timir daabac + xididka timirta" oo ay adagtahay in la soo koobo oo la been abuurto, waana hab lacag-bixineed oo xor ah, aan xidhiidh la lahayn, la qaadi karo, aadna loo sugi karo.
Tignoolajiyada kale ee biometric ee lagu dalacsiiyay goobta lacag bixinta waa aqoonsiga wajiga. 2014, Jack Ma ayaa markii ugu horaysay soo bandhigay tignoolajiyada lacag bixinta wajiga, ka dibna 2017, Alipay waxa uu ku dhawaaqay in la bilaabay lacag bixinta wajiga maqaaxida KFC ee KPRO oo uu ganacsi galay. "Dragonfly". WeChat raacay dacw, iyo in 2017 WeChat Pay ee ugu horeysay dukaanka fashion xigmad wejiga qaranka ee degay Shenzhen; ka dibna sanadka 2019 WeChat Pay sidoo kale waxay ku biirtay Huajie Amy si ay u bilawdo aaladda lacag bixinta wajiga "Frog". 2017 iPhone X wuxuu ku soo bandhigay tignoolajiyada aqoonsiga wejiga 3D goobta lacag bixinta sidoo kale si dhakhso leh ayuu u dhaqaaqay isbeddellada warshadaha ......
Ku dhawaad shantii sano ee la soo dhaafay tan iyo markii la hirgeliyay isticmaalka wejiga, kooxaha waaweyn ayaa si gaar ah ugu tartamayey suuqa lacag bixinta wejiga, xitaa waxay u socdeen ilaa ay suuqa kula wareegaan kaalmooyin culus. Alipay waxa ay lahayd hab dhiirigelin ah oo ah 0.7 yuan lacag celin joogto ah muddo 6 bilood ah isticmaale kasta oo weji dhaqdhaqaajin ah oo loogu talagalay ganacsatada isticmaala qalabka is-adeegga ee wajiga wejiga weyn.
Marxaladan, dukaamada waaweyn iyo dukaamada fudud ayaa ah meelaha si aad ah looga isticmaalo lacag bixinta wajiga, laakiin sahan suuqeed ayaa lagu ogaaday in tiro yar oo dad ah ay isticmaali doonaan lacag bixinta wajiga, guud ahaan macaamiishu si firfircooni uma waydiisanayaan inay isticmaalaan, iyo heerka caymiska ee Alipay lacag bixinta weChat ayaa ka sarreeya lacagta WeChat.
Waqtigaa ka dib waxay qaadatay afar ilaa shan sano inay dadku aqbalaan aqoonsiga kaash ilaa koodhadhka xaaqid, laakiin lacag bixinta wejiga ayaa caqabad ku noqotay horumarkeeda sababo la xidhiidha sir qarsoon, algorithms, been abuur iyo sababo kale. Marka la barbar dhigo goobta lacag bixinta, aqoonsiga wejiga ayaa si weyn loogu isticmaalaa xaqiijinta aqoonsiga.
Marka laga eego dhinaca farsamada, bixinta timirtu waxay noqon doontaa mid ammaan ah oo sax ah marka loo eego lacag-bixinta wejiga, iyo iyadoo la adeegsanayo feejignaanta xogta iyo tignoolajiyada sirta xogta, waxay si wax ku ool ah u xaqiijin kartaa isticmaalka badbaadada leh ee isticmaalayaasha. Laga soo bilaabo B-dhinaca, "daabacaadda timirta + xididka timirta" laba-arrimood oo xaqiijinta habka bixinta timirta waxay adkeyn kartaa khadka xakamaynta khatarta ee ganacsatada, sida cuntada, tafaariiqda iyo warshadaha kale, bixinta timirta waxay si weyn u wanaajin kartaa waxtarka lacag bixinta waxayna yaraynaysaa wakhtiga bixinta iyo kharashka shaqada; dhanka C-dhinaca, bixinta timirta waxay sidoo kale wanaajin kartaa khibrada isticmaalaha, waxqabadka ugu muhiimsan sida lacag-bixin la'aan koronto, maya Laga soo bilaabo C-side, bixinta timirta waxay sidoo kale kor u qaadi kartaa khibrada isticmaalaha, inta badan qaab lacag-bixin koronto la'aan ah iyo lacag-bixin la'aan ah.
Muuqaalka suuqa lacag-bixinta ayaa soo baxay
Waxaa jira laba nooc oo ugu waaweyn hababka lacag-bixinta mobilada ee ay dadku adeegsadaan maanta, mid waa lacag-bixinta online-ka ah, sida Taobao, Jingdong lacag bixinta online-ka wax iibsiga, Alipay WeChat saaxiib wareejin, iwm.; Mid kale waa lacag bixinta iyada oo loo marayo terminaalka casriga ah, sida kuwa ugu badan waa in la xaaqdo lacag bixinta koodka laba-geesoodka ah.
Dhab ahaantii, lacag-bixinta hore ee mobaylka waxaa inta badan laga helaa NFC, 2004, Philips, Sony, Nokia waxay si wadajir ah u bilaabeen NFC Forum, waxay bilaabeen inay kor u qaadaan codsiga ganacsiga ee tignoolajiyada NFC. 2005, kaliya saddex sano ka dib markii la aasaasay China UnionPay waxay samaysay koox mashruuc gaar ah, oo mas'uul ka ah dabagalka iyo cilmi-baarista horumarinta NFC; Sannadkii 2006, Shiinaha UnionPay waxay soo saartay kaadhka maaliyadeed ee IC-ga oo ku salaysan 2006, Shiinaha UnionPay waxay soo saartay xal lacag-bixineed oo ku salaysan chip-ka kaadhka maaliyadeed ee IC; Sannadkii 2009kii, Shiinaha Unicom waxay soo saartay talefoonka gacanta ee kaadhka lagu dhaqo oo leh Chip NFC ah.
Gabagabo
Si kastaba ha ahaatee, kororka 3G-ga iyo xaqiiqda ah in terminaalka POS aan caan ahayn xilligaas, lacagaha NFC ma aysan kicin jahwareer suuqa. Sannadkii 2016, Apple Pay waxay qaadatay lacag bixinta NFC ee tirada kaararka bangiyada ee ku xiran 12 saacadood gudahood ka dib markii la furay waxay kor u dhaaftay 38 milyan, taas oo si weyn u dhiirrigelisay horumarinta lacag-bixinta NFC. Horumarinta ilaa maantadan la joogo, NFC waxay ku soo degtay xaalado gaar ah oo lacag-bixineed elegtaroonig ah (sida lacag bixinta taabashada dhijitaalka ah ee RMB), kaadhadhka gaadiidka magaalada, kontoroolka gelitaanka, iyo eID (aqoonsiga elektarooniga ah ee shabakada muwaadiniinta) meelahan.
Lacagaha xaaqidda degdega ah ee Alipay iyo WeChat ayaa ku dhawaad 2014 ka dhigay mid adag in Samsung Pay, oo ay bilowday Samsung 2016, Xiaomi's Mi Pay iyo Huawei's Huawei Pay in ay galaan suuqa lacag-bixinta mobilada ee Shiinaha. Isla sanadkaas, Alipay waxay bilawday ururinta koodka QR, iyada oo sii kordhinaysa faa'iidooyinka lacag-bixinta jiidista iyadoo la socota soo bixitaanka wadaagga baaskiilka.
Iyada oo ay soo badanayaan tafaariiqleyaal badan oo ku soo biiraya, lacag bixinta koodka xaaqid ayaa si tartiib tartiib ah u xoojisay booskeeda suuqa lacag bixinta. Marka loo eego xogta, bixinta koodhka QR ayaa weli ah habka caadiga ah ee lacag bixinta mobilada sanadka 2022, iyada oo qaybteeda ay gaadhay 95.8%. Q4 2022 oo kali ah, miisaanka wax kala iibsiga ee suuqa koodka khadka tooska ah ee Shiinaha wuxuu ahaa RMB 12.58 tiriliyan.
Bixinta koodhka QR waxaa dhamaystiraya isticmaalaha soo bandhigaya koodka QR, oo ku salaysan tignoolajiyada aqoonsiga sawirka. Marka codsigu fido, baahida suuqu sidoo kale waxay bilaabataa inay korodho, iyo alaabooyin badan oo la xidhiidha sida diiwaanka lacagta, mishiinada smart, iyo gacanta ayaa la soo bandhigay midba midka kale. Codsiga mugga weyn ee bixinta koodhka xaaqidda, heerka isticmaalka ee diiwaannada koodka qashin-qubka ayaa sidoo kale sarreeya, iyo noocyadooda terminal waxaa ka mid ah diiwaannada lacagta caddaanka ah, sanduuqyada lacag bixinta code-ka, diiwaannada lacagta caddaanka ah, terminalka lacag-bixinta, mashiinnada gacanta lagu qaato, codka diiwaanka lacagta, iwm. Waxaa ka mid ah, alaabada terminal ee ku habboon ee New World, Honeywell, Shangmee, Comerray, Payster, iyo Sunray ee suuqa kala iibsiga. caymis.
Waqtiga boostada: Meey-24-2023