With the development of science and technology, our payment methods are constantly changing, from the initial exchange of goods, to currency payment to the now fully popular mobile payment, the payment method is becoming more and more convenient. With the continuous innovation of mobile Internet technology, payment methods will continue to change. In the future, more payment methods will begin to become popular. Want to know which more scientific payment methods will be available in the future? Let's take a look.
Today, mobile payment is a payment method with a high penetration rate, but one of its drawbacks is that it is too dependent on mobile phones. Once it is disconnected from the mobile phone, it is difficult to complete transactions. Therefore, future payment methods will tend to be non-physical. The following are the recent It's been quite popular in the past few years.
One: Face-to-face payment
Face-to-face payment is to extract facial feature values through face recognition technology for information comparison, combining biometric technology and graphics processing technology, applying artificial intelligence pattern recognition and computer vision technology to identify individual identities. The face information is compared to identify the consumer ’s identity information, confirming that it is the person who completes the payment. At present, face recognition technology is widely used in hotel check-in, station airport security, intelligent security and other fields.
However, because payment behavior and user funds are bundled, there are high requirements for the security of payment and the accuracy of identification technology. At present, many related technologies are still in their infancy, and large-scale commercial applications need to wait for the market. test. In addition, there are many ways to collect face images. Once the data is leaked, it will bring the risk of identity information leakage and capital loss to the users who are identifying, so many friends are currently on the sidelines. I believe that with the maturity and perfection of face recognition technology, The public's recognition will continue to increase.
Second, pay by hand
On December 26, 2019, the United States Patent and Trademark Office issued a patent application from Amazon, a non-contact scanning system that only needs to identify identities through palm-related features, such as palm prints and veins. Customers only need to scan their palms to link to their credit or debit card, and all transactions can be completed within 300 milliseconds. We refer to this payment method as brush payment. In fact, not only abroad, as early as a few years ago, the country was researching related technologies, such as a technology company's cactus. "The new payment technology, you can complete the payment with a wave of your arm. Paying by hand is more privacy than brushing face Security is more acceptable, but related technologies are still being developed, we will wait and see.
Third, non-sensing payment
non-sensing payment refers to a unique feature of the item, binding related payment tools, and then through biometrics or images Identify by scanning, etc. to complete the payment method of payment.
Feeless payment does not require cash, card swiping, mobile phone payment or queuing, etc. You can easily complete the payment by walking through! Pilot high-speed non-sensing payment pilots have begun in the region, and more and more parking lots have also used the "insensing payment" system to complete vehicle payment. The emergence of non-sensing payment has effectively improved the difficulty of finding parking spaces, and the parking lot has chaotic access, and owners are waiting parking and other issues for a long time, no sense of the future development space is very large payments.
Fourth, phone number Pay
phone number payment is the People's Bank of payment services development to support mobile, relying on online transfer interbank settlement system ( "super online banking") to carry out a new business user by the opening of "Mobile number payment" in the Bank, mobile phone number Common bank accounts are used for binding and registration to realize the function of automatically linking bank accounts to complete cross-bank transfers without entering an account number.
Mobile phone number payment is currently in use in many domestic banks, and we will soon On the life with only the key to go out.
The iterative upgrade of mobile payment methods is closely related to the development of technology. There are unlimited possibilities in the future. What we have to do is to keep up with the pace of the times and change with the trend. What will the future look like, let us look forward to it with a development perspective.
There are several payment methods mentioned in the article, which one do you prefer? Cast your precious vote
1, face payment
2, hand payment
3, no-fee payment
4, mobile phone number payment
