Now, there are many payment methods. Is it true that paying by brushing your face will not reveal information?

With the popularity of QR code payment, another payment method-face-brushing payment has gradually entered our lives. Since the beginning of this year, face-brushing payment has gradually spread in major shopping malls and restaurants. When consumers pay for shopping, they can easily complete the payment by looking at the payment device without opening the QR code of the mobile phone.

However, when consumers and businesses feel fresh and curious, they also find that the utilization rate of this device is low, the experience of QR code payment is not good, and there is also the risk of personal information leakage. What are the problems in face-brushing payment and can it be popularized in the future?

Few people pay attention to face-brushing payment, and consumers say it is troublesome and unsafe.

In a convenience store in Beijing, the face-brushing payment equipment installed in the first half of this year has been rarely used. The convenience store owner said: this equipment was installed in April and May of the first half of the year, but customers don't use it very much and the utilization rate is not high. Because you have to open your phone to receive the verification code, it is better to scan the QR code directly.

In supermarkets and other chain stores, the face-brushing payment equipment is often connected to the self-service cashier, and consumers can scan the goods themselves, click on the payment, and then use the face-brushing payment. The reporter experienced the whole payment process: when paying with Alipay, the system will automatically associate Alipay account. When using Alipay for the first time, the user needs to enter the last four digits of the mobile phone number, and the payment can be completed directly when using Alipay in the same store next time. When using WeChat to brush your face to pay, you need to enter the mobile phone verification code every time to complete the payment. The reporter interviewed several consumers at random, and most of them said that they rarely used face-brushing payment equipment and expressed concern about the safety of face-brushing payment.

Consumer 1: "Because I live in the suburbs, I can hardly see it in the suburbs, but when I work in the city, I often see it in subway stations, but now it is not particularly popular in shops, or it will be found in some chain stores."

Consumer 2: "Trouble, not safe. You get paid if someone directly sweeps your face, so you walk with this face on the road every day. Isn't this the password for walking? "

Consumer 3: "I used to pay by brushing my face, but now I still use more QR codes." Compared with fingerprints, its face has no technical threshold, so it doesn't feel very safe. "

Zhang, president of a data technology company in Beijing, told the reporter that the advantage of face-brushing payment compared with QR code is that it removes the medium of mobile phone, but the lack of medium also means that the disclosure of face information becomes easier: "The basic principle of face-brushing payment is to compare the information collected by terminal hardware with the information stored in the cloud to see if the information is consistent, and then unlock it to complete face payment. If there is information leakage in the cloud biometric database, it will also bring certain risks to the security of the account, so the leakage of personal information is a relatively big risk that face pay may face. "

Many businesses are not interested in paying by brushing their faces and are worried about risks.

At the end of last year, Alipay launched the face-brushing payment product "Dragonfly". In March of this year, the WeChat face-brushing payment device "Frog" was officially launched, and face-brushing payment entered the stage of large-scale application. Since the beginning of this year, the payment for brushing the face has heated up rapidly. In addition to large supermarkets and chain restaurants, many small and medium-sized merchants have received a "sincere invitation" from agents of face-brushing payment equipment. Zhang said that this year Alipay plans to push about 1 10,000 face brushing devices.

Zhang said: "The company's main business is to promote face payment technology and terminal equipment. At present, the number of terminals we promote in first-and second-tier cities across the country is around 15000. Alipay's plan this year is to reach the channel push volume of millions of terminals. "

In addition, in order to encourage merchants to install, the equipment salesman will also promise that if the payment for face painting reaches a certain amount, there will be a cash return reward. With the increasing promotion, the installation cost has been reduced again and again.

Despite the push of the platform, many merchants expressed no interest in installing face-brushing payment devices. Mr. Chen, who runs a tobacco hotel, told the reporter that because the face-brushing payment is not very popular now, considering the cost and utilization rate, there is no plan to install it for the time being. Mr. Chen said: "I'm afraid it's not mature enough, or it's not promoted enough." At present, I have no plans. Because it also has an equipment deposit, it is afraid of mistakes in the operation process, causing unnecessary trouble. "

Expert: There are many hidden dangers in face-brushing payment, and supervision should be strengthened.

"Brush face payment" has brought a brand-new payment method, but there are also many hidden dangers. In this regard, Liu Junhai, a professor at the Law School of Renmin University of China, said that the regulatory authorities should keep pace with the times, introduce corresponding laws and regulations as soon as possible, and strengthen supervision: "Because technological innovation often leads supervision, regulators should keep pace with the times, consciously eliminate regulatory loopholes, and strengthen supervision with technology. Regulators should also introduce relevant legal rules and technical standards for information collection related to biometrics as soon as possible. Location, activity trajectory, browsing habits, etc. (Consumers) should be included in the regulatory track of the legal system. "

In addition, Liu Junhai believes that enterprises should also be self-disciplined, protect consumers' information security, and reduce the security risks of face-brushing payment: "As an enterprise, when promoting face-brushing payment technology, we must put ourselves in the position of consumers, solve the pain points of consumers, and prove that sensitive information such as consumers' biological information collected by ourselves is legal and transparent, which can effectively protect the absolute security of sensitive information such as consumers' biological information. With accurate administrative supervision and conscious corporate social responsibility, the security risks brought by face recognition can be effectively controlled to a certain extent. "