Alipay has led to the continuous popularization of mobile payments. People's consumption patterns have undergone great changes to a certain extent. The most popular mobile payment is QR code payment, which is available in almost every place from urban to rural areas. A QR code is convenient for you to scan and pay. Now there is a new payment method that is "pay by face-swiping". This method will not need to enter a password, just face-swiping can be completed.
topic discussion: Take Ma Yun’s photo to "pay with face", and the screen shows four words, netizens: naive
The first time to show this method of face payment was at an expo in Germany in 2015 until Alipay launched The face-based payment device, Dragonfly Generation, officially announced that the payment industry has entered a new era of payment 4.0. The face-based payment model is being vigorously promoted across the country, and more and more places will be popularized to face-based payment . Face-swiping payment is popular with the public because it is simple and fast, and does not even require a password.
Because it is so convenient to pay by swiping face, many people are also worried about the security of payment. If personal information is stolen, will the money in Alipay and the bound bank card be swiped away by criminals? One netizen Just use Jack Ma's photo to do a payment test, and the result showed 4 words on the screen: Not me!
On the issue of payment security, Alibaba will certainly pay attention to this issue. The accuracy rate of face payment can reach 99.99%, so the following three issues that people are worried about are rarely possible.
The first is the case of taking someone else’s photo or video to brush your face. The 3D face recognition technology currently on the market can achieve biopsy. Photos and videos cannot escape its magic. And we need to blink our eyes or shake our head left and right when we pay for the face. These operations can prevent being caught. An incident of counterfeiting occurred.
The second is to distinguish twins. Regarding the difficulty of identification of this twin, Alipay officially claims that the identification is difficult, so the twins can be distinguished by fingerprint recognition or password verification.
The third is the leakage of face information. There are already many technologies that can realize the production of artificial faces and human skin masks. This problem can be solved. A fake face cannot pass the operation of detecting a living body, and it is not good at paying for the face.
Each payment method cannot be absolutely 100% secure. Bank cards, fingerprints, cash, and QR code payments are all stolen and swiped. In this regard, swiping face payment can achieve 99.99% accuracy. Rate is already very rare. If the personal Alipay account is stolen, then Alipay will also provide a second compensation service, which will make 100% compensation. The reason why
face payment has been vigorously promoted is that face payment saves time and efficiency to a certain extent. For merchants or individuals, the advantages outweigh the disadvantages. It is inconvenient for customers with children to use the scan code to pay. , Then the settlement can be completed in ten seconds by changing to face-swiping payment.
Even if some people are still worried about some of the problems of face payment, but I believe that with the continuous popularity of face payment, people will be able to discover more and more advantages of it, and they are more willing to use it. Functionally, it can also create more possibilities.
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