From mobile payment to face-swiping payment, the struggle for experience is more for the user portal. Two years ago, when talking about mobile payment, many giant companies only thought it was just a portal for collecting payments, which was convenient and fast, no change required, consumption People love to use it, and companies can settle accounts. Now, mobile payment is evolving into an important entry point for various local life services, and various giants continue to support it. The investment of WeChat Pay, Alipay and UnionPay Cloud QuickPass in the field of mobile payment has further proved the important value behind mobile payment.
With the continuous development of the Internet industry, offline physical retail companies have experienced a huge technological revolution. From online promotion to offline experience, from offline experience to online retention, retail companies have adopted constantly evolving "new tools" , To break the service boundary, to better realize the coordination of social resources, and to build a large and humanized retail service network, and mobile payment plays a vital role in it. How traditional enterprises seize the opportunity to achieve digitalization and e-commerce upgrade and transformation has become an urgent problem.
Face-swiping payment may be as common as QR code payment in the future. The industry believes that with the maturity and gradual commercialization of AI, image processing and other technologies, it is likely to be as popular as QR code payment in the coming years. Face-swiping payment, smart medical care, smart campus, smart bank, catering, supermarket, hotel, non-sense parking lot, various scene solutions, software customization development, payment equipment wholesale, please Baidu "Zhangyou Electronic Wei" for details
However, just when the pattern of QR code payment was basically determined, an emerging payment method-face-swiping payment appeared in the existing commercial form, just like the original QR code, accompanied by a sense of freshness. , Can also bring consumers a more convenient payment experience. But this is nothing new. As early as 2015, Jack Ma showed the world to buy stamps by "swiping his face", which triggered a wave of discussions about "paying with his face" in one fell swoop. Last year, Alipay, JD.com and Suning launched a trial run of facial payment. By the second half of 2018, facial payment began to penetrate into actual consumption scenarios in various industries.
On August 15 this year, at the Ant Financial Open Day Guangzhou Station, Alipay announced that after experience accumulation and technology upgrades, face payment has been commercialized and will be popularized in various business scenarios in the next year Self-service cashier + face payment solution. Since 2015, Alipay has taken the lead in applying face recognition technology to user login. This technology has been used for real-name authentication, password retrieval, payment risk verification and other scenarios, and has served hundreds of millions of users so far.
Liu Zhao, head of Ant Financial's biometric technology, said that through the combination of software and hardware, Alipay's intelligent algorithm and risk control system comprehensively ensure accuracy and security, and the current recognition accuracy rate is 99.99%. Data provided by Alipay shows that after Alipay's self-service cash register and face payment are launched in supermarkets, restaurants, pharmacies, etc., the phenomenon of queuing at checkout during peak hours has been effectively eased, and the efficiency of cashier settlement has increased by more than 50%.