Nekuvandudzwa kweSmartphones neInternet, mbozha yekubhadhara yave kukurumidza - iri kukura yekubhadhara nzira muChina. Nzira dzakasiyana dzekubhadhara dzakasarudzika dzakabuda, dzakadai seQR Code kubhadhara, mubhadharo weNFC, nekudzivirirwa zvishoma nezvishoma kwehungwaru hwekubhadhara, sekubhadhara kwemunharaunda, sekubhadhara kwemunwe, kubhadhara kumeso, etc.
Chinyorwa ichi chinonyanya kuratidza nhoroondo, nhoroondo dzekuvandudza, zvigadzirwa zviripo pamusika, zvenguva yemberi maitiro, uye mazano ane hukama.
1.Basic confiti yekuzivikanwa kumeso
Kuzivikanwa kwechiso ndeye biometric tekinoroji iyo inoita dentity yekuzivikanwa yakavakirwa pane yechimiro inoratidza ruzivo rwemunhu. Nhevedzano yenhamba dzakabatana dzinoshandiswa. Chekutanga pane zvese, makamera anogona kuunganidza mifananidzo kana vhidhiyo hova dzine zviso zvevanhu. Zvadaro, zviso zvevanhu zvinogona kuonekwa zvoga uye zvinoteverwa. Pakupedzisira, kucherechedzwa kwechiso kunogona kuzadzikiswa. Kuzivikanwa kumeso kunogona kunyanya kukamurwa kuita matanho matatu: zviso zviso, chiso chinoratidzira kubviswa, uye kutarisana. Kuonekwa kumeso kunonyanya kubata kuvapo kwezviso mumifananidzo kana mavhidhiyo, uyezve kuunganidza saizi, chinzvimbo, uye rumwe ruzivo. Chiso chechiso chinonzwisisika chinoreva kunyatsoona chinzvimbo chenzvimbo dzakakosha dzezviso. Chiso chehunhu chinoreva kutonga kana chiso chiripo mune database, wobva wawana chiso chakanyanya kufanana mune database. Chinhu chikuru chechimiro chechiso ndechekudzivisa kudziviswa kweruzivo rwevanhu uye kuzvizivisa mune isiri - nzira yekunzwisisa (vashandisi havafanirwe kubata mudziyo wakananga).
Kuzivikanwa kwechiso kunofanirwa kukamurwa kuita 2D kumeso uye 3D kutarisana neruzivo zvinoenderana nemhando dzakasiyana dzemhando dzezviso. 2D kuzivikanwa kwechiso kwakatarisana kwenguva yakareba, saka nzira yayo uye maitiro akura. Nekudaro, iyo ine zvisingakwanisi mukurasikirwa kwakadzika kwedata. Hazvibviri kuziva zvizere kumeso chaiko. Naizvozvo, pane matambudziko akadai sekuzivikanwa kwakadai kuzivikanwa, akaderera kumeso kuona chokwadi, etc.
3D Kuzivikanwa kune data rakawanda uye ruzivo maererano nerudzi rwevara, kudzika, nezvakadzika, uye, 3D kumeso
Parizvino, maunivhesiti mazhinji, masangano ekutsvagisa, uye masangano ekutengesa ari kuita basa rekutsvagisa, etu, makore ekupinda, Etinance, kupinza, mari yekuwana, uye yekuchengetedza mari uye chengetedzo, uye imwe minda.
2.Dellowmment nhoroondo uye ikozvino mamiriro ekubhadhara kumeso
Nhoroondo Yekuvandudza
Kubhadhara chiso kwechiso kunonyanya kuvimba nekerukuzivikanwa kwehunyanzvi. Iko kushandiswa kwechiso kuzivikanwa kune iyo yekubhadhara munda yakabva kuFinland. Muna Chikunguru 2013, Uniqul yakatanga kuzivikanwa kwechiso chekutanga - based yekubhadhara system. Kana uchitarisa kunze, vatengi vanongoda kutarisana nekamera pane iyo POS skrini kuCash Rejista. Iyo sisitimu ichangoda kutora mufananidzo, tarisa kumeso, uye wozoenzanisa nemufananidzo uyu neruzivo rwakachengetwa mune database. Ruzivo rwechiso rwunobatanidzwawo neiyo yekubhadhara system panguva imwe chete. Kana ruzivo rwekuzivikanwa parunoratidzwa, vatengi vanogona kuratidza pane kuratidzwa. Maitiro ese ekutengeserana apedzwa. Pashure pazvo, nyika dzakadai seUnited States, United Kingdom, neJapan dzakatangawo maitiro avo echiso, sekubhadhara kweGoogle Mahara.
Nekunatsiridza kwekuenderera mberi kwehunyanzvi hwekuziva tekinoroji, masangano akakodzera epamba akatangawo kuita zvekutsvagisa nekuvandudza nekutengesa tekinoroji yekubhadhara kwechiso. Parizvino, Ali, Tencent, uye Uni Uni Unicial Coexist nemumwe nemumwe. Ali ndiye piyona wechiso muripo.
Muna 2015, ma Yun akaratidza tekinoroji yehukama paHannover Exobhition kuGermany.
MunaGunyana 2017, alipay akatanga kubhadhara kumeso kuKFC's Concept Resitorant KPPPO, iyo zvakare yekutanga yekutengesa mutyairi wekubhadhara kwechitarisiko muChina.
MunaDecember 2018, allipey akaburitsa pachena "dhiragoni" kumeso kwekubhadhara chigadzirwa. Vashandisi vanogona kushandisa meso ekubhadhara muzvipatara, masitera, maresitorendi, marunda ekutengesa zvitoro, uye dzimwe nzvimbo.
Muna Kubvumbi 2019, "Dragonfly 2.0" yakatangwa. "Dragonfly 2.0" haina kungovandudza mwenje wemushini, iyo yekusagadzikana kwechiso, uye kugadzikana kwekubhadhara asi zvakare yakaunza basa rekubatana kwenguva yakareba sekushandisa kumeso. Semunhu anokwikwidza anotengeserana, Tendent zvakare akatanga kukurumidza kumhanyisa mamiriro echiso.
Muna 2018, iyo yeChat Chakatarisana nehurongwa hwekubhadhara hwakatanga kusimudzirwa uye kushandiswa muzvitoro zvemanyama.
Muna Kurume 2019, weChithura Chiso chekubhadhara "churu" chakazotangwa zviri pamutemo. Yakatangawo kuwedzera vatengesi vavo munyika yose.
MunaAugust 2019, weChat kubhadhara zviri pamutemo kuburitswa
Pamusoro pezvinyorwa zviviri pamusoro pemasangano maviri, mumubatanidzwa wakatangawo kuunganidza mabhizinesi anoenderana mushure mekuona mabhuku ebhizinesi ekuvandudza mikana yekutarisa kumeso.
MunaJanuary 2017, Uni Unicpay yakaratidza Chiso Chiso, hurongwa hwekubhadhara hwakavakirwa pachiso chechiso, kuSingapore Fintech Festival.
Muna Gumiguru 2019, Unionpay, pamwe chete neanopfuura masangano anopfuura makumi matanhatu sebhengi uye yekutengeserana, postal Bank, uye zvakabatana
Pakupera kwaGumiguru 2019, China Uni Unillpay Merchant yakaburitsa kumeso kwayo Vashandisi vanogona kusarudza kupinda kune dzakasiyana dzekushandisa dzekubhadhara dzakatarisana.
Maitiro ebhizinesi
Sezvo maitiro azvino ebhizimusi ezvakatarisana zvigadzirwa zvigadzirwa hazvina kugadzirwa, kuchine mamwe misiyano mumasangano akasiyana. Allipey uye wachat kubhadhara kwakafanana. Zvinyorwa zvacho zviri seanotevera: Kutanga, vashandisi vanopinda mubairo wekubhadhara uye sarudza iyo yekubhadhara nzira yekubhadhara. Zvadaro, vashandisi vanoshandisa mapurogiramu ekuunganidza zviso izvo zvinogona kusangana nezvinodiwa zvemhando. Mushure meizvozvo, vashandisi vanopinda munhamba mbozha nhamba yakasungwa nealipey (kana wechikara). Zvinoenderana nesarudzo yekuchengetedza - Kugadzira hurongwa hweiyo alipay (kana wechikara) chiso chaunosangana, nhamba yenhamba nhare mbozha inodikanwa kuti iumbwe inogona kuve yakasiyana. Kana vashandisi vashanyira zvimwe zvitoro zvavanonyanya kuenda, zvinodikanwa kuti uise nhamba yese yefoni. Pane zvinopesana, vashandisi vanongoda kupinda iyo yekupedzisira manhamba ekupedzisira enhamba yefoni kana kuti hatidi kupinda nhamba yefoni muzvitoro zvinowanzoenda. Ivo vanogona kupinda zvakananga iyo yekubhadhara yekubhadhara peji (iyo sarudzo yekufunga yeiyo nhamba yenhamba inogadziriswa otomatiki neiyo faindi yekubhadhara system).
Maitiro ebhizinesi eMuionpay kumeso kubhadhara kwakasiyana neiyo yeiyo alipay uye yeichat kubhadhara. Iyo yekuchengetedza yekuzivisa nzira inoda zviso uye mapassword. Maitiro makuru ari seinotevera: Kutanga, vashandisi vanopinda mubhadharo wekubhadhara uye sarudza iyo sarudzo yekubhadhara. Zvadaro, vashandisi vanoshandisa mapurogiramu ekuunganidza zviso izvo zvinogona kusangana nezvinodiwa zvemhando. Mushure meizvozvo, vashandisi vanofanirwa kuisa iyo password yekubhadhara. Kana iyo chaiyo, mushandisi anozopedzisira ambonyora peji rekubhadhara rekubhadhara kupedzisa kubhadhara.
3.Rechero Technologies
Mukutonga kwekuziva tekinoroji yekubhadhara, 3D inotarisana neTekinoroji inowanzo shandiswa parizvino. Usati wachengetwa kumeso, Kubhadhara kwechiso kunoda chete kutsigirwa kwesimba rekuziva allgithms asiwo rutsigiro rwezvishandiso zveHardware zvakadai seanowirirana kamera modules.
Panyaya yeHardware, iyo 3D mwenje kamera mhinduro yakakura mune yazvino maincstream 3d kamera module mhinduro uye tarisiro yekutengesa. Nheyo yeChinzvimbo yeChinonga yeChiedza ndeyekuti iri project zviuru makumi maviri kusvika makumi matatu
Iyo kamera module inosanganisira zvidimbu zvakawanda zvehunyanzvi hwekugadzira optical dhizaini, chip, algorithm, uye kugadzirwa, uye hunyanzvi hwehunyanzvi hwakakwira. Naizvozvo, nhamba diki yemabhizimusi anogona kuzadzisa kugadzirwa kukuru kwedare rekamera kamera kuChina. Parizvino, allipay "dhiragoni" anoshandisa kamera yakapihwa naMario iyo yakabatana yakasimbiswa neAnt yemari uye orbbec. Wechat "Frog" inoshandisa Hjimi sekamoti 3D kamera module service. Uni Uni Uni Unial "Kubhadhara Kwemunhu" kunonyanya kubva kuObbec uye Hjimi.
Panyaya yekuzivikanwa kwechiso Algorithms, Ali, Tencent, uye Uni Uni UnicPay parizvino inonyanya kuitisa pachako - Yakagadziriswa kana yekubatira mazano ane makambani ehunyanzvi ruzivo. Alipay "dhiragoni" uye neChitat "chura" kunyanya kubva kuzviri - Budiriro. Uni Uni Unic Pagement
4.Product Zvakanakira
Kubhadhara Kwemunhu Kunobatsira Zvinotevera Zvakanakira:
- Zvinokurumidza. Kubhadhara kumeso kunogona kuwana kukurumidza kuzivikanwa uye kuongororwa, uko kunogona kuita kuti mubhadharo zvakanyanya nyore.
- Izvo zviri nyore. Kuenzaniswa nezvinogumira mune zvigunwe zvemunwe uye kubhadhara kwemari, kubhadhara kumeso hakudi mbozhanhare.
- Zvakachengeteka. Kubhadhara kumeso kunoshandisa Yakachengeteka kupfuura QR Code kubhadhara.
- Inogona kuchengetedza mitengo. Sekureva kweiyo Official Statistics, kubhadhara kumeso kunogona kuchengetedza 50% yemutengo wenguva. Kuzvida - Service Cashiers uye Kubhadhara Kwemasango kunogona kuderedza zvinobudirira iyo phenomenon yekubuda kwembozha panguva yePeak muuta, maresitorendi, uye mamwe matenga.
Ramangwana rekusimudzira maitiro ekubhadhara kumeso
Parizvino, kubhadhara kumeso kwakashandiswa zvakanyanya mumusika. Maitiro anotevera achaonekwa mukuvandudza ramangwana:
Kuvandudza kurongeka kwechiso kuzivikanwa
Kunyangwe kubhadhara kwechiso kwashandiswa mune zvekutengesa zviitiko, vashandisi nguva nenguva vanouya vachisvika kumashure uye vasina kubudirira kuzivikanwa, izvo zvinokanganisa ruzivo rwemushandisi. Uye zvakare, mapatya akafanana uye kuvhiyiwa cosmetic kuchakanganisa kubhadhara kwechiso. Nekufambisira mberi kweiyo yekungwarira kwehunyanzvi algorithms Naizvozvo, ruzivo rwemushandisi runogona kugadzirwa.
Chigadzirwa Chigadzirwa
Kunyangwe masangano mazhinji akatangisa zvivakwa zvekubhadhara mari, maitiro ebhizinesi, kuita, uye kuchengetedza zviyero zvekubhadhara kumeso kuchiri kushaya mayunifomu. Madhipatimendi akakodzera ari kudzidzawo uye kukudziridza zviyero zvine basa. MunaNovember 2019, National Standment Commission yakaburitswa kurongeka kwekutaura nezve "technical yakatsanangurwa yekodhi yekubhadhara kwekuchengetedza kwekuchengetedzeka kwechiso". Mune ramangwana, kujaira uye kujairika kwezvinhu zviso zvekubhadhara zviso zvakare ndeimwe yezviitiko zvekuvandudza.
Kupihwa kukosha kwekushambadzira - Wedzerai Services
Iyo sarudzo yechiso yekubhadhara isiri kungopa vatengesi vane smart cash Kuenzaniswa neyechinyakare zvine hunyanzvi pos, QR Code Scanning Terminals, uye zvimwe zvishandiso, midziyo yekubhadhara yakachinja kubva pakutsvaga kwekuwana mashandiro emutengesi uye maneja manejimendi. Mune ramangwana, kana vashandisi vakabhadhara, vatengesi vanogona kutamba nhengo - kushambadzira kwakanangana nechiratidzo. Vashandisi vanogona kunakidzwa nekukoshesa kodzero uye kubatsirwa mushure mekuvhura, kuziva mashandiro akangwara ekubhadhara, nhengo, makadhi, coupons, uye kushambadzira.
Yakawedzerwa Slication Slication
Parizvino, kubhadhara kumeso kunonyanya kushandiswa mukutengesa uye kuongorora mamiriro ezvinhu. Nekuwedzera kweMusika Kuzivikanwa munguva yemberi, zviitiko zvaro zvinoshanda hazvizowedzera zvishoma nezvishoma kune mamwe minda senge yekufamba uye mari yekubhadhara kuti isangane nezvinodiwa chaizvo nevashandisi vechokwadi.
Aggregated kubhadhara masevhisi
Parizvino, pane mamwe misiyano mukuzivikanwa kweAlgorithms uye kamera yeboka rekusarudza pakati pevashandi veSevhisi Based on hardware costs and user needs, aggregate payment is an inevitable development trend in the future.
Kukwikwidza kubva kune dzimwe nzira dzekubhadhara
Kunyangwe nzira dzechiso dzekubhadhara dzakatangira kuti dziwirirwe mumusika uye tanga hwakawana mibairo yakanaka, nzira dzekubhadhara mafoni dzakaratidzawo maitiro akasarudzika, sekubhadhara kweNFC, QR kodhi yekubhadhara, uye Palm vein kubhadhara, uye mubairo wekubhadhara. Kunyangwe kubhadhara kwechiso kunogona kutora chimwe chikamu chemusika mune ramangwana zvichiri kuongororwa nemusika.
Mhedziso
Kubhadhara kumeso kwakashandiswa zviri pamutemo. Yakabata musika wekutanga wekubhadhara nekutinhira nemheni. Chinyorwa ichi chinonyanya kupfupisa uye kuongorora maitiro ekuvandudza kumeso, zvigadzirwa zviripo zviripo, uye ramangwana rekusimudzira razvino. Nzira dzekubhadhara mune ramangwana dzichava zvakanyanya nyore uye zvakachengeteka.