During the Spring Festival holiday, a "Securities" reporter found that a chain supermarket in a fifth-tier city had opened the Alipay face-painting payment channel. "It used to be 10,000 years ago, now it is 10,000 yuan at a glance," some consumers joked.
The reporter found in the visit that the current payment of face payments has not yet entered the "hot" stage, which is more popular among younger groups, while the middle-aged and elderly groups who have just accepted mobile phone payments are cautious. Supermarket staff told reporters, "After a while, you may find it safe to use your face to pay, and you may use it."
Face payment to enter fifth-tier cities
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The reporter visited Xinzheng, a county-level city under the jurisdiction of Henan Province, located in the middle of Henan Province and south of Zhengzhou. The city is famous for the Xinzheng Jujube and the ancestral worship ceremony of the Yellow Emperor's hometown in March of each year. Returning home in the Spring Festival in recent years, the reporter found that the small city of Xinzheng is undergoing rapid changes. Professionals looking for professional companies to make professional software, please contact manager 153-1559-1815 WeChat synchronization for detailed analysis
Before the Spring Festival, the reporter went to a supermarket chain in Xinzheng and found that among the several long queues at the checkout line, there was an Alipay fast scan code for autonomous checkout channels, but only a few people. The reporter was full of interest and experienced Alipay's face brush payment for the first time.
The reporter chose face payment after scanning the code on the self-service terminal machine. After the face recognition, the machine will prompt you to enter the last 4 digits of the mobile phone number. After that, the payment is debited through Alipay. The software also prompts the amount of consumption this time. Without cash and mobile phones, residents in small fifth-tier cities can also shop.
The supermarket staff told reporters that the Alipay face-brush payment machine was launched a month ago, and a cashier maintained three machines, but currently there are fewer people paying by face-brush. "Some customers also want to self-checkout, but after the operation, they found that they have not registered Alipay, so they gave up," said the staff member. "Most young people pay by brushing their faces."
The reporter interviewed the customers who queued for checkout and found that the reasons for the cold face payment are the following: "I use cash, so I do not choose a machine to self checkout", "My money is in WeChat, that can only be used Alipay "," I don't have Alipay ". But some consumers have expressed concerns about the security of face-to-face payments.
A staff member of the Alipay security department told the "Securities" reporter that, under the authorization of the user, Alipay collects data in compliance, and at the same time encrypts and protects personal information to protect the privacy and safety of users, but the specific operation cannot be notified. He said that each Alipay account has security risks. If it is confirmed that the user's information has been stolen, Alipay will make a claim. "Full compensation within 1 million yuan."
Some people in the industry believe that face-to-face payment is more secure and convenient than password payment. As the threshold is further reduced, face-to-face payment may show explosive growth in the next 3 years.
Regarding account security, the staff of the above-mentioned Alipay security department stated that users also need to pay attention in many aspects: do not scan unfamiliar QR code links usually; cross out the information in time after receiving the courier; in addition, after receiving the verification code and payment code for the short message , Delete it in time; don't leak the payment code.
The reporter visited other supermarkets in Xinzheng and found that Dennis, another large domestic supermarket chain, still uses manual checkout. And face-to-face payments at other stores in the above-mentioned supermarket chains have not yet entered the "hot" stage. Older customers have just accepted mobile payment and have not adapted to the newly launched face-to-face payment, but there are also middle-aged consumers who just downloaded Alipay, which reflects a face-to-face payment.
Three giants enter
On December 10, 2018, UnionPay officially announced the launch of face-to-face payment. UnionPay cardholders do not need to bring a bank card and mobile phone, and they can complete the payment directly by "brushing their faces" at multiple supermarkets in Beijing and Shanghai. At this point, the three giants Alipay, WeChat Pay and UnionPay have all joined the face-to-face payment. The industry believes that the entry of the UnionPay UnionPay is a great recognition of face-to-face payments.
Some analysts believe that the payment giant's "brushing face" payment is mainly for closer connection with its own ecosystem. "Brushing face" payment can accurately identify individual users and improve the payment experience, which is quite advantageous for payment companies to accumulate effective users. .
It is reported that since 2018, self-service cash registers with face-to-face payment functions have been used in large-scale commercial scenarios such as retail, catering, and medical. Last year's "Double 11" data showed that up to 60% of payments made by brushing faces and fingerprints became a mainstream payment method.
From the perspective of ordinary consumers, the Internet of Things is already coming.
In December 2018, the "New Infrastructure" was first mentioned in the Central Economic Conference: increasing technological transformation and equipment upgrades in manufacturing, accelerating the pace of 5G commercial use, and strengthening new infrastructure construction such as artificial intelligence, industrial Internet, and the Internet of Things.
According to the Prospective Industry Research Institute's statistics, in 2017, the scale of China's Internet of Things industry reached 1.15 trillion yuan, a year-on-year increase of 23.66%, and the industry scale in 2018 reached 1.35 trillion yuan, a year-on-year increase of 17.39%. It is expected that by 2020, the overall scale of China's Internet of Things will exceed 1.8 trillion yuan.
The Oriental Fortune Securities research report shows that the main driving force of the Internet of Things comes from part of business automation (64%), optimization of work processes (53%), improvement of output (37%), and labor cost savings (37%). In addition, comparing the data from 2017 and 2016, we can see that the Internet of Things has a stronger demand for improving business automation and reducing costs.
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