Ndi chitukuko cha mafoni ndi intaneti, ndalama zam'manja zakhala mwachangu - Kukula kwa Kufalikira ku China. Njira zingapo zolipira zidatulukira, monga ndalama za QR Code, Kulipira kwa NFC, Etc. Mwadzidzidzi, Kuphunzira kwamakina, ndi zolipira, zolipira, ndi zina
Nkhaniyi imayambitsa m'badwo uno, mbiri ya chitukuko, zinthu zomwe zilipo pamsika, zomwe zimachitika mtsogolo, komanso malingaliro ofotokoza.
Malingaliro a 1.Bic akuzindikira nkhope
Kuzindikira nkhope ndiukadaulo wa biometric yomwe imadziwika kuti imadziwika ndi nkhopeyo imakonda za munthu. Maukadaulo angapo okhudzana ndi matekinoloje amagwiritsidwa ntchito. Choyamba, makamera amatha kusonkhanitsa zifaniziro kapena mavidiyo omwe ali ndi nkhope za anthu. Kenako, nkhope za anthu zitha kupezeka zokha ndikutsata. Pomaliza, kuyang'aniridwa ndi nkhope kumakwaniritsidwa. Kuzindikira kumaso kumatha kugawidwa m'masitepe atatu: Kupezeka ndi nkhope, kumaso kumaso, ndikufanizira nkhope. Kuwoneka kowoneka bwino kumapangitsa kukhalapo kwa nkhope pazithunzi kapena makanema, kenako amatenga kukula, udindo, ndi zidziwitso zina. Nthaka imayamba kuchotsera zimatanthawuza kupezeka molondola malo ofunikira madera ofunikira. Nthaka zofananira zimatanthawuza kuweruza ngati nkhope ilipo mu database, kenako ndikupeza nkhope yofananira kwambiri mu database. Mbali yayikulu kwambiri yaukadaulo kuzindikira ndikupewa kutaya chidziwitso chaumwini ndikuzizindikira mu - Ogwiritsa ntchito (ogwiritsa ntchito safunikira kulumikizana ndi chipangizocho mwachindunji).
Kuzindikira kumaso kumatha kugawidwa kwachiwiri kwa nkhope ndi kuzindikira kwa 3d malinga ndi mitundu yosiyanasiyana ya nkhope. Kuzindikira pamaso pa 2d kwafufuzidwa kwa nthawi yayitali, kotero njira yake ndi yokhwima. Komabe, ili ndi malire pakuwonongeka kwakuya. Sizingatheke kuzindikira kwathunthu nkhope yeniyeni. Chifukwa chake, pali zovuta monga kuzindikira kulondola kochepa, kulondola kotsika kumaso, etc.
Kuzindikira kwa 3d kuli ndi deta yambiri ndi chidziwitso molingana ndi utoto, kapangidwe kake, ndi zina, 3D kuzindikirika kwa masoka ndi malingaliro osazindikira komanso kuzindikira kuwonekera.
Pakadali pano, mayunivesite ambiri ofufuza, ndi mabungwe azamalonda kunyumba ndipo kunja kwa njira zofufuzira, ndi zina zodziwika bwino, ndi chitetezo, ndi minda ina.
2.Kulikonse
Mbiri Yabwino
Kulipira kumaso kumadalira kwambiri ukadaulo wodziwika bwino. Kugwiritsa ntchito kuzindikiridwa kumaso ku gawo lolipira lomwe linachokera ku Finland. Mu Julayi 2013, UNIQUL adayambitsa kuzindikiridwa koyamba kwa nkhope - Njira Yolipira Yovomerezeka. Mukamayang'ana, ogula amangofunika kuthana ndi kamera pazenera pa kalembetsa ndalama. Dongosololi lidzatenga chithunzi, kuyang'ana nkhope, kenako yerekezerani chithunzicho ndi zidziwitso zosungidwa mu database. Chidziwitso cha nkhope chimalumikizidwanso ndi dongosolo lolipira nthawi yomweyo. Chidziwitso cha chizindikiritso chikawonetsedwa, ogula amatha kutsimikizira pawonetsero. Njira yonse yosinthira imamalizidwa. Pambuyo pake, mayiko monga United States, United Kingdom, ndi Japan adakhazikitsanso njira zawo zolipirira google.
Ndi kusintha kosalekeza kwaukadaulo wodziwika bwino, mabungwe oyenera am'nyumba ayambanso kuchita kafukufuku ndi kukhazikika ndi kufufuza kwapang'onopang'ono kwaukadaulo wamalipiro. Pakadali pano, Ali, tencent, ndi mgwirizano umodzi wina ndi mnzake. Ali ndi mpainiya wakubweza.
Mu 2015, Mau Yun adawonetsa ukadaulo wamasewera ku Hannover chiwonetsero cha Hannover ku Germany.
Mu Seputembala 2017, a Alipoy adakhazikitsa ngongole ku Kfc's restaurant kpro, yomwe ilinso poyendetsa malonda pakhoma ku China.
Mu Disembala 2018, a Alipyay adayambitsa "chinjoka" cholipira. Ogwiritsa ntchito amatha kugwiritsa ntchito nkhope m'zipatala, masitolo akuluakulu, malo odyera, ogulitsa chizindikiro cha Brand, ndi malo ena.
Mu Epulo 2019, "chinjoka ,. "Dragonvy.0" sanangosintha kuwala kwa makinawo, kumayambiriro kwa nkhope, komanso kukhazikika kwa malipiro komanso kuyambitsa ntchito yolumikizirana ndi kugwiritsa ntchito nkhope. Monga wopikisana naye, Tencent nawonso adayamba kufulumira makhothi.
Mu 2018, makina olipira nkhope ya Wekat adayamba kukwezedwa ndikugwiritsidwa ntchito m'masitolo akuthupi.
Mu Marichi 2019, Chida cha Wectat "cholipira" chidayambitsidwa. Zinayambanso kuwonjezera amalonda awo padziko lonse lapansi.
Mu Ogasiti 2019, Wembut amalipira "Wechat chur
Kuphatikiza pa mabungwe awiri omwe ali pamwambawa, Unionpay nawonso adayambanso kuyika mabizinesi okhudzana ndi mabizinesi atangowona bizinesi yakutsogolo.
Mu Januware 2017, Unionpay adawonetsa kulipira nkhope, kachitidwe kolipira kutengera nkhope, ku Singapore Frest.
Mu Okutobala 2019, uniepay, pamodzi ndi mabungwe opitilira 60 monga mafakitale a mafakitale, banki ya positi, adatulutsa mawu oti "kulipira ngongoleyo.
Kumapeto kwa Okutobala 2019, China Unionpay idatulutsa nkhope yake yolipirira "Blue Chule" Ogwiritsa ntchito amatha kusankha kulowa m'malo osiyanasiyana akulipira.
Njira Yabizinesi
Popeza njira zamalonda zamalonda sizingafanane, pamakhala zosiyana zina m'mipingo zosiyanasiyana. Alipay ndi Wechat kulipira ndizofanana. Tsatanetsatane ndi motere: Choyamba, ogwiritsa ntchito amalemba ulalo wolipira ndikusankha njira yolipirira nkhope. Kenako, ogwiritsa ntchito amagwiritsa ntchito mapulogalamu kutola nkhope zomwe zingakwaniritse zofunika. Pambuyo pake, ogwiritsa ntchito amalowa nambala yafoni yomangidwa ndi alipay (kapena wechat). Malinga ndi chigamulo chachitetezo - kupanga dongosolo la alipo (kapena Wechat) kumaso, kuchuluka kwa manambala a foni oyenera kulowa akhoza kukhala osiyana. Ogwiritsa ntchito akamayendera masitolo ena samapitako, ndikofunikira kulowa nambala yonse yafoni. M'malo mwake, ogwiritsa ntchito amangofunika kuyika manambala 4 omaliza a nambala yafoni kapena safunika kulowa nambala yafoni m'masitolo omwe amapitako. Amatha kulowa mwachindunji tsamba lotsimikizira (lingaliro lotsimikizira kuti nambala ya manambala imangoyesedwa ndi njira yolipira nkhope).
Njira yamabizinesi a Unionpay amalipira ndi osiyana ndi a Alipoy ndipo Wechat amalipira. Njira yotsimikizira yotsimikizika imafunikira nkhope ndi mapasiwedi. Njira yayikulu ili motere: Choyamba, ogwiritsa ntchito amalemba ulalo wolipira ndikusankha njira yolipirira nkhope. Kenako, ogwiritsa ntchito amagwiritsa ntchito mapulogalamu kutola nkhope zomwe zingakwaniritse zofunika. Pambuyo pake, ogwiritsa ntchito ayenera kuyika mawu achinsinsi. Ngati zili zolondola, wosuta adzalowa patsamba lotsimikizira kuti mumalize kulipira.
Matekinoloji a 3.Ralogies
Pofuna kudziwa ukadaulo wolipira pamaso, matekisiri a masoka a 3D amagwiritsidwa ntchito nthawi zambiri. Pamaso kuvomerezedwa pamaso pa maso, katswiri wozindikira wa 3d udzazindikira kuwonongeka kwa moyo kudzera mu mapulogalamu ndi zovuta kuti nkhope yomwe yasonkhanitsidwa ndi chithunzi, video, kapena pokonza mapulogalamu. Kulipira nkhope sikungofuna kungothandizidwa ndi algorithm yongozindikira komanso thandizo la zida za Hardware monga ma module ofananira.
Pankhani ya hardware, kamera ya 3d yowala ndi yankho lokhwima mu njira yamakono ya kamera ya 3d ya kamera ndi ziyembekezo zamalonda. Mfundo ya ukadaulo wopepuka wa 3D ndikulowerera malo okwana 20,000 mpaka 30,000 obalalika, kenako malizitsani muyeso wa malo akuya malinga ndi kusinthika kwa kamera yomwe yapezekayo mutatha kubwerera.
Module ya kamera imaphatikizapo maulalo angapo opangira mawonekedwe owoneka bwino, chip, algorithm, ndi kupanga, komanso muyeso waukadaulo ndiwokwera. Chifukwa chake, ochepa mabizinesi okha omwe amatha kukwanitsa kupanga ma module aku China ku China. Pakadali pano, chinjoka "chimagwiritsa ntchito kamera yoperekedwa ndi Mario yomwe yakhazikitsidwa ndi ant ndi orbbec. Tichat "chule" imagwiritsa ntchito Hjimi ngati Wopereka kamera kamera. Malipiro a Unionpay "amalipira" makamaka kuchokera ku Orbbec ndi Hjimi.
Pankhani yodziwika ndi ma Algorithms, Ali, tencent, ndi unionpay pakadali pano akudzitengera nokha - Kupanga kapena njira yothandizirana ndi makampani aluso. Alipay "chinjoka" ndi Wechat "chule" makamaka amachokera ku Yemwe - Kukula. Malipiro a Unionpay "amalipitsidwa" amachokera kwa omwe amapereka monga yitu, nthawi yabwino, megvii, mitambo, etalwalk, etch.
4.Pabwino
Maso amalipiritsa ali ndi maubwino otsatirawa:
- Zimathamanga. Kulipira nkhope kumatha kuvomerezedwa mwachangu komanso kutsimikizira, komwe kumatha kulipira ndalama zambiri.
- Ndi yabwino. Poyerekeza ndi zomwe mwala ndi zala ndi mafoni a nkhope sizifunikira mafoni a m'manja, omwe ndi abwino kwambiri kwa okalamba omwe sakudziwa kugwiritsa ntchito mafoni komanso osavuta kuyiwala mapasiwedi.
- Ndiotetezeka. Kulipira nkhope kumagwiritsa ntchito kuzindikira kwaposachedwa kwa 3D, kuphatikizidwa ndi kuchuluka kwa hardware ndi mapulogalamu. Ndi bwino kuposa ndalama za QR Code.
- Itha kupulumutsa ndalama. Malinga ndi ziwerengero zovomerezeka, kubweza kumaso kumatha kusunga 50% ya nthawi. Invey - Ofesi Yogwira Ntchito ndi Kulipira Maso Atha Kuthetsa Pazithunzi Zapamwamba za Kutuluka kwa Sheit Nthawi Yoyambira M'madera Ogulitsa M'masika, Malo Odyera, ndi Malo Ena, ndi Malo Ena Ogulitsa.
Kuchita Zabwino Kwambiri
Pakadali pano, kulimbana ndi nkhope zagwiritsidwa ntchito kwambiri pamsika. Makhalidwe otsatirawa adzawonekera m'tsogolo:
Kukhazikika kulondola kwa kuzindikira nkhope
Ngakhale kulimbana ndi nkhope zagwiritsidwa ntchito popanga zamalonda, ogwiritsa ntchito nthawi zina amabwera kudutsa kuwunikira komanso kuvomerezedwa, komwe kumakhudzanso ogwiritsa ntchito. Kuphatikiza apo, mapasa ofanana ndi opaleshoni yodzikongoletsa amakhudzanso kulipira. Ndi kupita patsogolo kwa anzeru anzeru a algorithm ndi kamera Hardwarerere, kulondola kwa kuzindikira kumalondola pang'ono. Chifukwa chake, zonena za wogwiritsa ntchito zimatha kukhazikika.
Kugwiritsa Ntchito Magawo
Ngakhale mabungwe ambiri adakhazikitsa zinthu zolipira pamasewera, njira zamabizinesi, ntchito, ndi chitetezo cha chitetezo cha ngongole zimalibe mfundo zofananira. Madipatimenti oyenera amaphunziranso ndikupanga miyezo yoyenera. Mu Novembala 2019, bungwe la dziko la National Commission linapereka mwayi wofunsira ndemanga pa "zonena za maluso a zotetezera zolipiritsa zolipira". M'tsogolomu, kukhazikika kwa zinthu zolipirira nkhope ndi imodzi imodzi yomwe ikuchitika.
Kuperekera malonda ogulitsa - Zowonjezera Ntchito
Njira yolipira nkhope siyongopereka malonda omwe ali ndi matebulo ogwiritsa ntchito amalonda komanso kuchulukana malonda ndi mtengo - Poyerekeza ndi masitepe anzeru, komanso zida zina, zida zolipira zasintha kuchokera kudera losavuta kupeza amalonda ogulitsa ndi zida zoyang'anira. M'tsogolo, ogwiritsa ntchito akalipira, amalonda amatha kusewera - zotsatsa zofananira pazenera. Ogwiritsa ntchito amatha kusangalala mwachindunji ndi mapindu ake atatsegulidwa, kuzindikira ntchito yolipira, mamembala, makhadi, ma coupons, ndi zotsatsa.
Zophatikizika zogwiritsidwa ntchito
Pakadali pano, kulipirira kumaso kumagwiritsidwa ntchito makamaka m'malo ogulitsa komanso osakira. Ndi kuwonjezeka kwa msika wamfumu mtsogolo, malo ake a zochitikawo adzatha kukulitsa madera ena monga ndalama zoyendera ndi ndalama zothetsera zosowa zenizeni za ogwiritsa ntchito.
Ntchito zolipirira
Pakadali pano, pali zosiyana m'maganizo a Algorithms ndi gulu la makamera pakati pa opereka madandaulo omwe angakuthandizire alipo, Wechat kulipira, ndi mgwirizano nthawi yomweyo. Kutengera ndi mtengo wogwiritsa ntchito ndi zosowa za ogwiritsa ntchito, kubweza kophatikizika ndi zomwe sizingalepheretse mtsogolo.
Mpikisano kuchokera njira zina zolipira
Ngakhale njira zoperewera zayamba kugwiritsidwa ntchito pamsika ndipo poyambirira apeza zotsatira zabwino, njira zolipirira zam'manja, qr code yolipira, ndi zolipira zala. Kaya kulipira nkhope kumatha kutenga gawo lina la msika wamtsogolomo likufunikabe kuyesedwa ndi msika.
Mapeto
Kulipira nkhope kwakhala kukugwiritsidwa ntchito. Yalanda msika woyambirira wolipira ndi mabingu ndi mphezi. Nkhaniyi makamaka ikufotokozedwa mwachidule komanso kusanthula kwa maphwando akumaso, zinthu zomwe zikuwoneka bwino, komanso zomwe zikuchitika mtsogolo. Njira zolipirira mtsogolozi zidzakhala zosavuta komanso zotetezeka.