Nō nā tata nei, i tukuna mana e WeChat te mahi utu nikau me te pūwhakarewa. I tēnei wā, kua mahi tahi a WeChat Pay me te Beijing Metro Daxing Airport Line ki te whakarewa i te ratonga "nikau" i te Teihana o Caoqiao, te Teihana o Daxing New Town me te Teihana o Daxing Airport. Kei reira anō ngā rongo e whakamahere ana a Alipay ki te whakarewa i tētahi mahi utu nikau.
Kua nui te kōrero mō te utu swipe nikau hei tētahi o ngā hangarau utu biometric, he aha i nui ai te aro me te kōrero? Ka pahū noa iho rānei pērā i te utu kanohi? Me pēhea te pakaru o te utu biometric ki te nui o ngā utu waehere QR e noho ana i te mākete i tēnei wā?
Ngā utu koiora, e whai ana kia tahora
Whai muri i te whakaputanga o te rongo mō te utu nikau ki te marea, kua piki ake ngā hea hangarau e ahu mai ana i te entropy, Han Wang Technology, Yuanfang Information, Baxxon Intelligence me ētahi atu hea ariā e pā ana. Kua panaia anō te hangarau koiora ki mua i te hinengaro o te katoa e te utu nikau.
I te marama o Hepetema 2014, i whakarewahia ngātahitia e te pēke moni Alipay me Huawei te kaupapa paerewa tuatahi mō te utu tapumati i Haina, ā, i muri mai ka noho ko te utu tapumati te hangarau tino whakamahia i roto i te koiora koiora, ā, i uru atu hoki te wetewete tapumati ki te ao kāinga atamai, ā, kua noho hei wāhanga nui o te mātauranga. Ko te mōhio ki te tapumati he pānui i te tauira kiri o te tapumati, ko te utu tapumati he whakamahi i te pūnaha tautuhi "tapumati + uaua tapumati", he uaua ki te tārua me te hanga, ā, he tikanga utu kore-pāpāho, kore-pāpāho, tino kawe me te tino haumaru.
Ko tētahi atu hangarau koiora kua whakatairangahia i roto i te ao utu ko te mōhio kanohi. I te tau 2014, i whakaatu tuatahi a Jack Ma i te hangarau utu kanohi, ā, i te tau 2017, i panuitia e Alipay te whakarewatanga o te utu kanohi i roto i te wharekai KPRO a KFC, ā, i tīmata te hokohoko. "Dragonfly". I whai a WeChat i te tauira, ā, i te tau 2017 i tau te toa ahua kanohi tuatahi a WeChat Pay ki Shenzhen; ā, i te tau 2019 i hono atu a WeChat Pay ki a Huajie Amy ki te whakarewa i te taputapu utu kanohi "Frog". I te tau 2017 i whakaurua e te iPhone X te hangarau mōhio kanohi 3D ki te ao utu, ā, i tere hoki te neke i ngā au o te umanga ......
I roto i ngā tau e rima tata ana mai i te whakaurunga o te face swipe, kua tino kaha te whakataetae a ngā kamupene nunui i roto i te mākete utu face swipe, tae noa ki te hopu i te mākete me ngā tautoko nui. He tikanga whakatenatena a Alipay he 0.7 yuan whakahoki moni tonu mō ngā marama e ono mō ia kaiwhakamahi face swipe mō ngā kaihokohoko e whakamahi ana i ngā taputapu ratonga-whaiaro face swipe mata nui.
I tēnei wā, ko ngā hūpāmakete me ngā toa hokohoko ngā wāhi e whakamahia nuitia ana te utu kanohi, engari i kitea i roto i tētahi rangahau mākete he tokoiti noa iho te hunga e whakamahi ana i te utu kanohi, ā, ko te nuinga o te wā kāore ngā kaihoko e tono kaha ana kia whakamahia, ā, he teitei ake te utu kanohi Alipay i te utu WeChat.
I taua wā, e whā ki te rima tau te roa mō te iwi ki te whakaae i te manatoko tuakiri mai i te moni ki ngā waehere whānui, engari i aukatia te whanaketanga o te utu swipe kanohi nā te turuturu tūmataitinga, ngā rauropi, te rūpahu me ētahi atu take. Ki te whakatauritea ki te mara utu, he whānui ake te whakamahinga o te manatoko kanohi i roto i te manatoko tuakiri.
Mai i te tirohanga hangarau, ka nui ake te haumaru me te tika o te utu swipe nikau i te utu swipe kanohi, ā, mā te whakamahi i te hangarau whakakore raraunga me te whakamunatanga raraunga, ka taea te whakarite kia haumaru te whakamahinga a ngā kaiwhakamahi. Mai i te taha-B, ka taea e te aratau manatoko rua-tauwehe "tapanga nikau + uaua nikau" o te utu nikau te whakakaha i te raina whakahaere mōrearea o ngā kaihokohoko, pēnei i te kai, te hokohoko me ētahi atu ahumahi, ka taea e te utu nikau te whakapai ake i te whai huatanga o te utu me te whakaiti i te wā utu me ngā utu mahi; mai i te taha-C, ka taea hoki e te utu nikau te whakapai ake i te wheako kaiwhakamahi, ko te mahi matua pēnei i te kore utu hiko, kāore Mai i te taha-C, ka taea hoki e te utu nikau te whakarei ake i te wheako kaiwhakamahi, ko te nuinga i roto i te ahua o te utu kore hiko me te utu kore pa.
Kua puta te āhua o te mākete utu
E rua ngā momo matua o ngā tikanga utu pūkoro e whakamahia ana e te tangata i ēnei rā, ko te utu tuihono, pērā i a Taobao, te utu hokohoko tuihono a Jingdong, te whakawhiti hoa a Alipay WeChat, me ētahi atu; ko tētahi atu ko te utu mā ngā waea atamai, pērā i te utu waehere rua-ahu.
Ina hoki, ko te nuinga o ngā utu waea pūkoro i ngā wā o mua ka whakatinanahia mā te NFC, i te tau 2004, i whakarewahia ngātahitia e Philips, Sony, me Nokia te NFC Forum, ā, ka tīmata te whakatairanga i te tono arumoni o te hangarau NFC. I te tau 2005, e toru tau noa iho i muri i te whakatūnga o China UnionPay, i whakatūria he rōpū kaupapa motuhake, hei aroturuki me te rangahau i te whanaketanga o te NFC; i te tau 2006, i whakarewahia e China UnionPay he maramara kāri IC pūtea. I te tau 2006, i whakarewahia e China UnionPay he otinga utu waea pūkoro i runga i te maramara kāri IC pūtea; i te tau 2009, i whakarewahia e China Unicom he waea pūkoro swipe kāri ritenga me te maramara NFC kua hangaia ki roto.
Whakamutunga
Heoi, nā te pikinga ake o te 3G me te korenga o ngā taunga POS i rongonui i taua wā, kāore i puta he ngangau i roto i te mākete mō ngā utu NFC. I te tau 2016, i whakamahia e Apple Pay ngā utu NFC, ā, neke atu i te 38 miriona ngā kāri peeke i herea i roto i ngā haora 12 o tōna whakarewatanga, ā, i tino whakatairanga i te whanaketanga o ngā utu NFC. Tae noa ki tēnei wā, i tere ake te whanaketanga o te NFC i roto i ngā āhuatanga motuhake o ngā utu hiko (pēnei i te utu pa RMB mamati), ngā kāri waka o te tāone, te mana uru, me te eID (whatunga tautuhi hiko o ngā tāngata whenua) i roto i ēnei rohe.
Nā te tere o te horapa o ngā utu a Alipay me WeChat i te tau 2014, i uaua ai te urunga atu a Samsung Pay, i whakatūria e Samsung i te tau 2016, a Mi Pay a Xiaomi me Huawei Pay a Huawei ki te mākete utu waea pūkoro Haina. I taua tau anō, i whakatūwherahia e Alipay te kohinga waehere QR, ā, i whakanui ake i ngā painga o ngā utu swipe me te putanga mai o te tiritiri pahikara.
I te piki haere o te maha o ngā kaihokohoko e uru mai ana, ka āta whakapūmau te utu waehere sweep i tōna tūranga i roto i te mākete utu. E ai ki ngā raraunga, ko te utu waehere QR tonu te tikanga utu matua mō ngā utu pūkoro i te tau 2022, ā, kua eke tōna wāhanga ki te 95.8%. I te hauwhā tuawhā o te tau 2022 anake, ko te tauine tauwhitinga o te mākete waehere tuimotu o Haina he RMB 12.58 trillion.
Ka oti te utu waehere QR mā te whakaatu a te kaiwhakamahi i tētahi waehere QR, i runga i te hangarau mōhio whakaahua. I te horapa o te tono, ka tīmata hoki te piki haere o te tono mākete, ā, he maha ngā hua e pā ana pērā i ngā rēhita moni, ngā mīhini atamai, me ngā taputapu ringaringa ka whakaurua mai tetahi i muri i tetahi. Nā te nui o te tono o te utu waehere sweep, he nui hoki te tere whakamahi o ngā rēhita moni waehere sweep, ā, ko ō rātou momo taputapu kei roto ko ngā rēhita moni, ngā pouaka utu waehere sweep, ngā rēhita moni atamai, ngā taputapu utu kanohi, ngā mīhini ringaringa katoa-i-te-kotahi, ngā oro o te taputapu moni, me ētahi atu. I roto i ēnei, kua horapa ngā hua taputapu e pā ana ki a New World, Honeywell, Shangmee, Sunray, Comet, me Cash Register Bar i roto i te kapinga o te mākete utu.
Wā tuku: Mei-24-2023