Alipay's scan code payment does not rise, but the face payment rises. Which do you think is useful?

Third-party payment companies such as Alipay are ostensibly third-party payment companies, but they are essentially big data companies. They mainly collect personal privacy information and consumption information of mobile phone users, and apply this information to the commercial field to obtain high profits. Alipay will collect users' facial information and upload it to its own server. Once illegally obtained by people with ulterior motives, it will easily lead to the loss of users' funds. It can be said that the consequences are unimaginable, so from a security point of view, try not to use Alipay's face-brushing payment function.

Alipay collects personal privacy information and is easy to be abused. Alipay generally collects user's facial information, digitizes it and uploads it to Alipay's own server. Because Alipay itself belongs to a commercial company, it is easy to cause the privacy information of Alipay users to be abused.

There is a big problem in the security of Alipay's face-brushing payment, which easily leads to the loss of users' funds. Alipay's face-brushing payment is generally realized by comparing whether the user's facial information is consistent with the facial feature information on the server. Because the current face recognition technology is not very mature, ordinary twins can easily crack Alipay's face payment. In addition, if Alipay users' face information is illegally obtained by people with ulterior motives, it will easily cause users' financial losses.

Because the current face recognition technology is not perfect and involves personal privacy information, if personal privacy information is abused, the consequences will be disastrous. Alipay, as a commercial company, vigorously promotes its face-to-face payment, mainly for commercial reasons. As an ordinary user, face payment is generally not recommended before the face payment technology is mature.

Paying by brushing face is better than paying by scanning code!

First, brush face payment is mainly used in Tmall supermarkets, unmanned sales and other scenes. After you select the corresponding product, you only need to scan the barcode, then enter the last four digits of the mobile phone number, brush your face, and then pay for it. Simple operation, strong interaction and high customer experience.

Second, the traditional scanning code payment will be delayed when the mobile phone is out of power and the network quality is poor. As long as the equipment is regularly overhauled and maintained, it will not be restricted by the customer network, so it is better to pay by scanning the code than by brushing the face.

Third, brush face payment is based on artificial intelligence and machine learning. The more you pay to brush your face, the faster and more accurate the recognition will be.

The only constant in the world is change! But this ever-changing world makes many ordinary people a little behind the times.

Let's just say. At the beginning, Alipay and WeChat payment were mainly based on QR code scanning, but QR code only emerged a few years ago. Now, the face-brushing payment is coming again? To this end, netizens said that going out in the future really depends on this old face!

Then the problem is coming. Let's take a look today. What are the advantages of QR code scanning and brush face payment? Let's simply analyze it!

Is QR code payment out of date? As far as the current mobile payment is concerned, QR code payment is still not outdated, but it is only a matter of time before QR code payment is replaced.

The main reason why QR code payment will be outdated is that QR code has great disadvantages. Two-dimensional code payment is a kind of code scanning verification based on 2D, so it is easy to happen that the two-dimensional code is replaced, or your own two-dimensional code is stolen by others.

This is really not bragging. In life, we often see that the QR code of the merchant has been transferred, and then turn around and put the merchant's money into your pocket!

Will face-brushing payment rise? Brush face payment has developed for so many years, and the technology accumulation is also rising, and now it has been recognized by many users.

Brush face payment mainly adopts the latest 3D face recognition technology. Different from QR code payment, face-brushing payment has greatly improved in speed and accuracy. Generally, we only need one second to complete face scanning, and the whole payment process takes about 5 seconds, with an accuracy rate of 99.9%. People can't fix a face exactly like yours, can they? The security is still very good.

At present, not only Alipay and WeChat are doing face-to-face payment, but also UnionPay, a "national player". It can be seen that the industry giants are still relatively recognized for paying for the face.

I remember Ma Yun once said, "No one knows what the world will be like and what the data will be like in 20 years, but the only thing that is certain is that the world will definitely change." What we have to do is also very simple-embrace trends and embrace changes. For example, brush face payment is replacing brush face payment now.

The appearance of brush face payment has given consumers a brand-new experience. For merchants, paying by brushing their faces and diverting customers' interesting experience, consumers have no feeling of paying, and the experience is better, catering to the consumption habits of young people, and the sales volume has increased by an average of 20%. From a scientific and technological point of view, brush face payment is more advanced than QR code payment.

This is just a gimmick made by the platform side using "high technology". We should look at the essence through the phenomenon. This is not a question of good use or bad use, but involves the looting and strategic layout of payment end users. Aside from the topic itself, let's talk about Huawei's 5 G. Why has the United States been suppressing Huawei since the emergence of Huawei 5G? In fact, 5G itself is not such a big threat. The real threat is that Huawei owns 5G technology first, which may cause domestic technology enterprises in the United States to lag behind China and even the whole world, thus affecting the position of the United States in the world. Because of 5G, there are too many things we can do, which will greatly shorten the gap between countries using 5G technology in the world and the United States. This is fundamental.

In fact, the so-called brush face payment is also true. The technology of face-brushing payment is mainly face recognition, design artificial intelligence and map scanning (I am not an expert in this field). After this technology came out, Alipay began to push, especially in retail terminals. As long as you install the face brush payment equipment, you can even waive the equipment fee. Perhaps speaking of this, many people still don't understand how scanning code payment is popular. In fact, this is a strategic issue, regardless of whether it is easy to use the face-brushing payment, that is, for ordinary people, as long as the payment method can bring convenience and security, is it really so important to scan the code or brush the face? The answer is not important, as long as I am used to using it or like it, as long as it is convenient for me.

But for the platform side, this meaning is extraordinary, and we can make a hypothesis. Suppose we walk into two supermarkets, one of which supports WeChat payment, Alipay code scanning payment, cash payment and bank credit card payment. While another supermarket has these payment methods, it also has a brush face payment. When we appear in two supermarkets as users who are used to "paying by brushing their faces", we will inevitably complain that the first supermarket has not paid by brushing their faces, and will have a "sense of belonging" to the second supermarket that has paid by brushing their faces, which is a plunder to the end users.

To put it bluntly, the users who use mobile payment are constant, the market share determines whether the payment platform can develop sustainably for a long time, and the payment method determines the payment habits of users. Suppose there are 100 mobile payment methods in the world, of which Alipay accounts for 99, and the last one is WeChat scan code payment. Who has a large market share? Therefore, sometimes it is not really better to brush face payment than to scan code payment, but to force users to get used to using new technologies under the operation of capital, enterprises and platforms, in fact, in order to increase their own payment methods and plunder users. This routine is very common in the physical industry, as are major banks and wealth management platforms, but in different ways.

Therefore, scanning code payment is not outdated, and brushing face payment is not necessarily easy to use. Everything is just that the platform is increasing its own payment channels. If the time is ripe, all this will become a sickle that plunders the entrance of the user payment terminal.

If we don't understand all this, we can say another hypothesis. Suppose that one day the technology really develops to a certain extent, Alipay suddenly announces that it will cancel the scan code payment and all use face recognition payment. That's a habit. Users who have a lot of business through Alipay will give up Alipay directly or be forced to pay by brushing their faces.

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

At present, due to its quickness and convenience, face-brushing payment is becoming a payment method supported by more and more places. Such as shopping malls, supermarkets, restaurants. However, there are also some shortcomings in face-brushing payment, which cannot become the mainstream or main payment method.

If I take a device to brush my face, I go downtown to take a picture of a person's face, and I pay someone else's money. Is this very unsafe for everyone's money? Therefore, paying by brushing your face is definitely a payment method that is easy to put your funds in danger or be stolen. Criminals can easily steal funds as long as they try to secretly shine the face-brushing payment equipment on others.

In addition, face-brushing payment is based on face recognition technology. Face recognition cannot be 100% recognition, nor can it be 100% recognition for people with similar looks. In this case, it will be very dangerous. At the same time, technically, it is completely possible to clone an identical face and fool the face recognition tool.

There is also one of the biggest risks in face payment, that is, the risk of personal privacy disclosure, not to mention whether it is illegal to collect face data. Once the collected face data is leaked and lost, or obtained by the bad guys, the consequences are unimaginable.

In fact, in this world, the simpler things are, the less safe they are, and the same is true for paying for brushing your face. Although it is simple and convenient, there are huge risks. We can't put our funds at risk in pursuit of simplicity and convenience.

As the main way of electronic payment at present, scanning code payment will still exist for a long time, because the number of QR codes can not be used up for hundreds of years in theory and will not be repeated.

If there is a choice, I will not open the brush face payment, I refuse to brush face payment.

Do you accept payment by brushing your face?

In fact, since last year, many supermarkets and convenience stores have supported Alipay and WeChat face-brushing payment, and some beverage vending machines also support this function. I remember one time when I went shopping, my mobile phone died and I brushed my face to pay. It felt quite fresh and convenient at that time.

The biggest advantage of paying by brushing your face is that you can complete the payment without any equipment, so you don't even need to bring your mobile phone when shopping. Just face the camera when you pay. So from the convenience point of view, it is more convenient to brush your face than to scan the QR code.

However, there are also some defects in paying by brushing face. The biggest problem is to ensure that you don't cover your face when you use it. However, this year happened to encounter a big problem. In the first half of the year, almost all people wore masks, especially in crowded places like Shang Chao. Although many people don't wear masks very much now, many netizens still keep the habit of wearing masks in public places. Because wearing a mask can't use brush face payment, the popularity of brush face payment has been greatly delayed.

In addition, the requirements for payment scenes are also strict, such as bright ambient light, otherwise the camera "can't see" the face, and naturally there is no way to complete the payment. In addition, the special equipment for face brushing payment is also more expensive. Therefore, face-brushing payment is currently mainly used in supermarkets and banking systems. General convenience stores, vendors, and public transportation systems still pay mainly by scanning code with mobile phones.

Another worry people have about paying by brushing their faces is security. After all, you can pay by taking photos of the camera with your face, which always gives people a feeling of insecurity. Some netizens are even worried about whether they can use real photos to complete the face payment. But in fact, face-brushing payment has long been popular on smartphones. Apple has used face data as a means of payment since iPhone X. The principle of the existing face-brushing payment device is basically the same as that of Apple's FaceID, and the safety factor is still relatively high.

In addition, both Alipay and WeChat have a limit on the amount of face payment. Alipay pays 5,000 yuan for face brushing every day, while WeChat pays 1 1,000 yuan in a single payment, and can only brush 1 1,000 times a day. Therefore, in case your facial information is stolen by others, the property loss caused is also controllable.

Generally speaking, with the maturity of technology, face-brushing payment with high convenience will surely become a major mobile payment means besides scanning code payment in the future. Of course, this technology also needs to be constantly upgraded to ensure the safety of face-brushing payment.

In 19, the proportion of offline transactions of WeChat greatly exceeded that of Alipay, and some scenes even opened at 10: 0. Although Alipay's transaction ratio based on Taobao is still ahead of WeChat, I believe I know this data.

If I were Ant Financial, what kind of strategy and tactics would I lay out?

1. The offline scene is actively expanded to make up for lost ground, but this kind of investment cycle is long, the effect is slow, and there is no certainty of winning;

2. The strategic layout is to beat opponents in new fields or new payment methods, so there is a brush face payment. I believe that with the development of technology, paying without feeling by brushing face is more direct and efficient than scanning code;

At present, the experience of brushing face has not reached the extreme, and scanning code is definitely the mainstream. After the technology has developed to that point, it is hard to say.

Now life is becoming more and more convenient. From payment to scanning to face brushing, how much convenience has Mark brought us?

Now I go to the supermarket to pay, and I don't even take out my mobile phone. Actually, it's up to you to use that. At present, scanning payment is still relatively common. If you forget your wallet and your mobile phone is not with you, you can try to pay by brushing your face. The day before yesterday, the supermarket supported brush payment.

Brush face payment is very easy to use, not to mention issuing digital RMB, and non-contact health payment is better.

In terms of ease of use, in fact, scanning code payment and brushing face payment are quite easy to use.

Only the two are slightly different in operation.

Scan code payment does not require many resources, and a QR code can solve the problem.

Brush face payment requires merchants to provide corresponding equipment, that is, face entry verification equipment, otherwise brush face payment cannot be used.

I remember when I was in Wuhan, I often went out to look for food around 1 o'clock in the morning.

Fried rice is sold downstairs.

They support WeChat and Alipay scan code payment.

There is a piece of paper on the wall with a QR code on it. Turn on the phone and sweep it. Listen to the report there and the payment will be completed. Simple, convenient and quick

However, if you want to brush your face and pay in this small place where fried rice is sold,

Can you support the current equipment?

It is definitely not supported.

All I know is that some supermarkets can pay by brushing their faces.

Once I bought a lot of things in RT Mart, and then I took out my mobile phone and scanned the code.

The clerk grabbed me and told me, no, just brush my face.

Then I was faced with a camera or something, and I saw the computer next to me checking facial information.

Then the check is completed and the payment is completed.

Paying by brushing face is indeed a more convenient thing than paying by scanning code.

However, from the perspective of use, users are nothing.

In other words, enterprises need to acquire special equipment. This will increase additional operating costs.