When it comes to mobile payment, people probably use it the most every day, picking up the mobile phone and scanning the QR code to make a payment. This payment method is faster and more hygienic than traditional paper money payments. Some young people even insist on using cash because the elderly do not use mobile phones.
What many people don’t know is that QR code payment technology will soon be replaced. The three more advanced payment methods are already on the way. Some of these technologies can completely solve the problem of the elderly. The problem of using mobile phones to pay. Moreover, these technologies are not far away from us. Some people have already used them.
Future payment method 1: Digital RMB
Following Shenzhen, Suzhou and other places, Beijing also had 50,000 digital RMB red packets entering the booking link during the Spring Festival. Many people do not understand what the digital renminbi means, and how is it different from digital currencies such as Bitcoin? To explain briefly, the first feature of the digital renminbi is that it is legal tender, which is different from digital currencies such as Bitcoin. To put it bluntly, it is more effective and safer. The second characteristic of the digital renminbi is that it is equivalent to banknotes and coins.
Why can digital RMB be the future payment method?
First, it is state-led, equivalent to banknotes and coins, and at the same time solves some of the problems of banknotes and coins, such as high printing and distribution costs, inconvenient carrying, easy anonymity, forgery and other risks.
Second, traditional mobile payment can not be used without the network. In some places where the signal is not good, or when the user's mobile phone suddenly runs out of power, there are great restrictions. Using digital renminbi can perfectly solve these problems. First of all, it is dual offline payment. What do you mean? Digital renminbi can be used like paper money in places with poor network signals such as airplanes, cruise ships, and underground parking lots. It does not rely on the Internet. It also adapts to multiple terminals. For example, some elderly people do not want to use smart phones. , They can choose IC card, feature phone or other hardware to use IC payment, not necessarily using mobile phone.
More importantly, digital renminbi can still be reported as lost, and ordinary banknotes cannot be retrieved if they are lost.However, digital RMB can apply for loss reporting.
Future payment method two: face payment
The second future payment method, in fact, has caused some controversy, it is face payment, but now more and more people are starting Accept this payment method.
Compared with traditional mobile payment, especially QR code payment, face payment has several advantages. First, it is more secure and can avoid scanning malicious QR codes. Second, it is more convenient. When you forget to bring your mobile phone or mobile phone When the battery is low, you can directly use the face to pay, completely get rid of the dependence on the mobile phone.
At present, in some shopping malls or companies, automatic vending devices for facial recognition have long appeared. This convenient payment method is very popular among urban white-collar workers. It is estimated that by 2022, the number of users who pay with their faces will exceed 700 million.
Regarding the privacy leakage that some people worry about, in fact, our country's law has long made relevant regulations on this. my country’s "Cyber Security Law" clearly states that personal biometric information is included in the scope of personal information. my country’s Civil Code also has relevant provisions, that is, collecting and processing personal information of a natural person shall follow the principles of lawfulness, fairness and necessity, and obtain the natural person Or their guardian agrees. And the adoptee has the right to withdraw after consent.
For the security issues of face payment that many people worry about, there is no need to worry about it. Unlike unlocking mobile phones and entering the community, face payment has a higher security level. As for the "AI face swap technology" and 3D that everyone is worried about Regarding the problem of printing masks, in fact, relevant experts have developed live detection technologies that target biological characteristics, which can effectively identify the vital signs of scanned objects and greatly reduce the risk of the recognition system using photos or masks as faces.
Future payment method three: non-inductive payment
non-inductive payment, currently mainly used in the transportation field, in simple terms, the first scene is a parking lot, and the second scene is a high-speed toll station. Non-inductive payment can avoid traffic jams caused by mobile phone scanning one by one. However, using non-inductive payment,The car owner needs to bind the license plate number in advance. If you want to be completely "insensitive", you also need to open a small amount of password-free, the vehicle can automatically deduct the fee.
Although there is already a large-scale application of non-inductive payment, many people still have a lot of misunderstandings about it, such as non-inductive payment on high-speed, can I pass directly without parking?
In fact, it is different from the non-inductive payment in the parking lot. For the non-inductive payment on the highway, the toll station staff will show the pass card when leaving the highway. Because the parking lot only needs to record how long you have parked, but on the highway, the highway toll is based on the restoration of the path of the pass, and the charge is based on the actual path of the vehicle.
Of course, the ETC familiar to many people is actually not the same as the senseless payment we said. ETC is a non-stop electronic toll collection system. ETC is only suitable for vehicles equipped with ETC on-board devices.
In the future, I believe that these three payment methods will enter the lives of more people. At that time, perhaps the mobile phone payment method of QR code will be used by no one.
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