Alipay's code payment is not rising, the rise of the face payment, you think which is good to use?

Alipay and other third-party payment companies on the surface of the third-party payment company, essentially belonging to the big data company, mainly through the collection of cell phone users' personal privacy information and consumer information, the information will be applied to the commercial field in order to make money to make a lot of money. Alipay to promote face payment, will collect the user's face information uploaded to its own server, once the ulterior motives of the person who violated the access, it is easy to lead to the loss of the user's funds, it can be said that the consequences of the catastrophic, so from the point of view of security, try not to use Alipay's face payment function.

Alipay face payment collects private information, which can easily be abused

Alipay face payment generally collects the user's face information and digitizes it to upload it to Alipay's own servers, which can easily result in the misuse of Alipay user's private information, as Alipay itself belongs to a commercial company.

Alipay face payment security is a big problem, it is easy to lead to the loss of user funds

Alipay face payment is generally through the comparison of the user's face information and the server on the facial features of the information is consistent, as the basis for payment. As the current face recognition technology is not very mature, generally twins can easily crack Alipay face payment. In addition, if an Alipay user's face information is illegally accessed by someone with ulterior motives, it can easily result in the loss of the user's funds.

Because the current face recognition technology is not perfect, and involves personal privacy information, if personal privacy information is abused, the consequences are disastrous. Alipay, as a commercial company, is trying its best to promote its own face-to-face payment, mainly for commercial reasons. As a general user, it is generally not recommended to use face payment until the face payment technology is mature.

Face payments work better than code-sweeping payments!

First, face payment is mainly used in Tmall supermarkets, unmanned sales and other scenarios, you choose the corresponding goods after as long as you sweep the barcode, and then finally enter the last four digits of your cell phone number, in the face of the brush, and then you will pay successfully, the operation is very simple, there is interactivity, the customer experience is high.

Second, the traditional code scanning payment when encountered when the phone is out of power, poor network quality, there will be a delay, while the face as long as the equipment is often overhaul maintenance will not be limited to the customer's network, so the code scanning payment is not as good as the face of the payment.

Third, the face of the payment is based on artificial intelligence and machine learning, the more you brush the face of the payment, the faster the recognition, the more accurate.

The only constant in the world is change! But this fast-changing world makes a lot of normal people a bit unable to keep up with the times.

Let's put it this way, at the beginning of Alipay and WeChat payment are the main two-dimensional code scanning, but two-dimensional code is only a few years, and now the face of the payment is coming again? The netizens said, in the future, go out, you can only rely on this old face!

So the question is, what are the advantages of QR code scanning and facial payment? Let's analyze it briefly!

Is QR code payment obsolete?

In terms of current mobile payments, QR code payments are still not obsolete, but it's only a matter of time before QR code payments are replaced.

The main reason why QR code payment will become obsolete is still that QR code has a lot of disadvantages. QR code payment is a kind of code scanning verification based on 2D, thus it is easy for QR code to be replaced, or one's own QR code to be photographed by others to take it to steal swipes and so on.

This is really not bragging, we often see in life that there are merchants QR code is switched, turn around and get the merchant's money into their own pockets!

Will facebook payments rise?

Face swipe payment has been developed for so many years, the accumulation of technology is also more and more rise, and now also recognized by many users.

Facial payment mainly uses the latest 3D face recognition technology. Different from QR code payment, face swipe payment has a great improvement in speed and accuracy. Generally, it takes only one second to complete our face scanning, and the whole payment process takes about 5 seconds, with an accuracy rate of 99.9%. Other people can't make a whole face that looks exactly like yours, right? The security is still very good.

At present, face-to-face payment is not only done by Alipay and WeChat, but also by the "national team" of UnionPay, which shows that the industry giants still recognize face-to-face payment.

I remember Jack Ma once said, "No one knows what the world will be like in 20 years, and I don't know what kind of data will be developed, but the only thing I know for sure is that the world will change." What we have to do, too, is simple - embrace the trend and embrace the change. For example, face payments are now replacing swipe payments

With the advent of face payments, this has given consumers a new experience. For merchants, the face of the payment of the interesting experience, attract flow of customers, consumers do not feel the payment, the experience is better, more catering to the consumption habits of young people, the sales of an average of 20% upward. From the level of technology, face painting payment is more advanced than QR code payment.

This is just the platform side of the use of "high-tech" gimmick, we have to look at the essence of the phenomenon, it is not a good or bad use of the problem, but involves the payment of end-user predation, as well as the strategic layout of the aspect.

Leaving aside the topic itself, let's talk about Huawei's 5G, why has the United States been suppressing Huawei after the emergence of Huawei's 5G? In fact, 5G itself is not that big a threat, and the real threat is because Huawei has 5G technology first, which may lead to the U.S. domestic science and technology enterprises lagging behind China, and even the world, thus affecting the U.S. position in the world. Because there is so much more we can do with 5G, which will greatly shorten the gap between countries around the world that are applying 5G technology and the US, which is fundamental.

In fact, the so-called face payment is also the same, face payment technology is mainly face recognition, design artificial intelligence and map scanning and so on (I'm not an expert in this area), after this technology came out, Alipay began to do push, especially retail terminals, as long as you install the face payment equipment, and even exempt from the cost of equipment. Maybe at this point, many people still don't understand how swipe payment became popular. In fact, this is involved in the strategic issues, not to mention the question of whether the face of the payment is good to use, say for the average person, the payment method as long as it can bring convenience, security, sweeping code or face is really so important? The answer is that it doesn't matter, as long as I'm accustomed to using it or like to use it, and it's convenient for me, which one is convenient for me.

But for the platform side of the significance of this is extraordinary, we can do a hypothesis. Suppose we walk into two supermarkets, one of which supports WeChat payment, Alipay payment, cash payment, bank card payment, etc., while the other supermarket has these payment methods at the same time, more than one face payment. When we as a user accustomed to the "face payment" in the two supermarkets, will inevitably complain about the first supermarket does not have a face payment, and the second supermarket with a face payment to produce a "sense of belonging", this is the End-user predation.

To put it bluntly, the number of users who use mobile payments is constant, and market share determines whether a payment platform is sustainable in the long term, while payment methods determine the user's payment habits. Assuming that there are 100 ways to make mobile payments in the world, with Alipay accounting for 99 of them, and WeChat's code-sweeping payment being the last one, who has the largest market share? So, sometimes it's not that face swiping is really better than code-sweeping, it's that under the operation of capital, companies, and platforms, they're forced to get users used to the new technology, which is really just about increasing their own payment methods, and then plundering the users. And this routine is very common in the physical industry, as well as major banks, financial platforms, and so on, just in different ways.

So, Sweeping code payment is not obsolete, and facial payment is not necessarily much better, everything is just a platform to increase their own payment channels, and if the time is ripe, all of this will turn into a scythe to plunder the user's payment terminal entrance.

If you say so much or do not understand, we can again say a hypothesis, assuming that one day the technology has really developed to a certain extent, Alipay suddenly announced the abolition of sweeping code payment, all the use of face recognition payment, that is accustomed to, and there are a lot of business through Alipay to start the user is to abandon the Alipay, or forced to use face payment? The first time I've seen this, I've seen a lot of people who have been using it for years.

Sweeping code payment is still the main electronic payment method, and face payment will gradually occupy a certain electronic payment market, but will never become the mainstream of electronic payment.

Currently, face swipe payment is becoming a payment method supported by more and more places due to its quickness and speed. For example, shopping malls, supermarkets and restaurants. However, there are some drawbacks to swipe payment that prevent it from becoming a mainstream or primary payment method.

If I carry a face-swipe payment device, go to a downtown area, take a picture of people's faces, and pay out other people's money, isn't that very unsafe for everyone's money. So face swipe payment is definitely a payment method that can easily put one's funds at risk or be stolen. It's easy for criminals to steal funds away from people if they find a way to sneakily shine a face swipe payment device at them.

In addition, face payment is based on face recognition technology, and face recognition is not 100% recognizable, and for people who look similar it is not 100% recognizable as open, which makes it dangerous. At the same time, technically, it is possible to clone an identical face to fool the face recognition tool.

There is also a big risk of face-to-face payment, that is, the risk of personal privacy leakage, not to mention the collection of face data is illegal, the collection of face data, once leaked and lost, or by the bad guys to get, the consequences are unimaginable.

In fact, in this world, the simpler things are, the more insecure, and the same goes for the facial payment, although it is very simple and convenient, but there is a huge risk that we should not put our money at risk in order to pursue the simplicity and ease of use.

Scanning payment as the main way of electronic payment, will still exist for a long time, this is because the number of QR code from the theory that hundreds of years can not be used up, and will not be repeated.

If I had to choose, I wouldn't turn on swipe payments and would refuse to do so.

Do you accept face payments?

In fact, since last year, many superstores and convenience stores have supported Alipay and WeChat face payment, and some beverage vending machines also support this feature. I remember one time when I was shopping and my cell phone ran out of battery, I was able to finish the payment by swiping my face, which was quite refreshing and convenient at the time.

The biggest advantage of FaceTime is that it doesn't require any equipment to complete the payment, so you don't even need to bring your phone when you go out to shop, you just need to point your face at the camera when you pay. So from a convenience point of view, it's more convenient to swipe your face than to scan a QR code.

But there are some drawbacks to swiping your face to pay, the biggest being that you have to make sure your face isn't obscured when you use it. But this year also happens to encounter a big problem, the first half of the almost universal wear masks, especially in the supermarket and other densely populated places are masks are not away from the face. Although many people are now not wearing masks, but there are many netizens still remain in the public **** occasions must wear masks habit. Wearing a mask is not a way to use face-to-face payment, and because of this, the popularity of face-to-face payment has been greatly delayed.

In addition, face-to-face payment on the payment scene requirements are more stringent, such as the need for bright ambient light, otherwise the camera "can not see" the face, naturally there is no way to complete the payment. In addition, the special equipment used for face payment is also relatively expensive. So face payment is mainly used in supermarkets and banking systems. The general convenience stores, vendors, and public transportation systems are still dominated by cell phone scanning payment.

Another concern about face payment is the security issue, after all, using the face to shine the camera to complete the payment, always give a person the feeling of insecurity. Some netizens are even worried about using a photo of a real person is not also able to complete the face of the payment? But in fact, face payment has long been popularized on smartphones, and Apple has been using face data as a means of payment since the iPhone X. The existing face payment devices have been used for a long time. The principle of existing face payment devices is basically the same as Apple's FaceID, and the safety factor is still relatively high.

In addition, both Alipay and WeChat have limitations on the amount of money they can spend on facial payments. Alipay's daily limit for facial payments is 5,000 yuan, and WeChat's is 1,000 yuan for a single payment, and you can only swipe it 100 times a day. So in case your facial information is stolen by others, the property damage caused is also controllable.

Overall, with the maturity of the technology, face payment with high convenience will definitely become a major means of mobile payment in the future, in addition to scanning code payment. Of course, this technology also needs to be constantly upgraded to ensure the security of face swipe payments.

19 years WeChat offline transactions accounted for much more than Alipay, some scenes are even close to 10:0 open, although Alipay relying on Taobao transactions accounted for or ahead of WeChat, I believe that this data ants gold service I know.

If I am ants gold service, I will layout how the strategy and tactics?

1. The offline scene is actively expanding to make up for the lost territory, but this investment period is long, slow, and there is no certainty of victory;

2. The layout of the strategic level is to defeat the opponent in a new field or a new way of payment, which has a face to face payment. I believe that with the development of technology, the face of the senseless payment is more direct and efficient than the sweeping code;

As of now, the face of the experience is not yet extreme, sweeping code is still the mainstream, the development of technology to that point, it is hard to say.

Now life is getting more and more convenient, from paying to scanning in to brushing the face, how much convenience has Ma brought us,

Now go to the supermarket to pay, even the phone do not pull out. In fact, that good to use, it depends on your own, the current universal or scanning payment, if one day you forget to bring a wallet, the phone is not around can try to brush face payment, the day before yesterday is the supermarket to support the face payment

Brush face payment is good to use, not to mention the issuance of a digital RMB, brush face payment digital RMB contactless hygiene payment is better to use.

From the convenience of use, in fact, the scanning code payment and brush face payment are quite good

Just the two in the operation of the slightly different

The scanning code payment does not require a lot of resources, a two-dimensional code can solve the problem

And the brush face payment is required to merchants to provide the corresponding equipment, that is, the face to record the verification of the equipment to do so, or not able to

I remember when I was in Wuhan, I often went out to look for food at around 1am

Downstairs is a fried rice seller

They support WeChat, Alipay scanning code payment

There is a piece of paper on the wall with a QR code on it, so you can open your cell phone to scan it, and then listen to the account there, and the payment is complete. Simple, convenient and fast

But if a small place like this sells fried rice, to use the face to pay,

the current equipment, can support it?

Definitely not.

The places I know where you can pay with your face are: some supermarkets where you can pay with your face

Once I bought a lot of stuff at RT-Mart, and then took out my phone and prepared to swipe

The salesman stopped me and told me, "No, just swipe your face.

And when the checking is done, the payment is complete

Facial payment is indeed a more convenient way to pay than scanning

But from the point of view of the user, there is nothing to worry about

It's just that merchants will need to buy additional specialized equipment. This will add additional operating costs