U-Alipay, umholi ezinkokhelweni ze-elekthronikhi e-China, isiba esinye sezibonelo ezibalulekile zendlela i i-biometrics uguqula isimo ukuphepha ezinkokhelweni ze-elekthronikhi. Inkampani engaphansi kwe-Alibaba Group Holding ayigcinanga ngokuthuthukisa kakhulu ubuchwepheshe bayo bokukhokha, kodwa futhi izibeke njengengqalabutho ekusebenziseni ukuhlonza i-biometric ukuvikela abasebenzisi bayo ezinsongweni ezifana ukukhwabanisa, i-piracy y ukweba umazisi. Ngezansi, sizohlola ngokuningiliziwe izinto ezintsha, izinzuzo nezinselelo zale ndlela, kanye nomthelela wayo ekuhwebeni kwe-e-commerce emhlabeni jikelele.
Ukwamukelwa okukhulayo kwezinkokhelo zeselula kanye nenselele yezokuphepha
E-China, inguquko yezinkokhelo ze-elekthronikhi isifinyelele emazingeni angakaze abonwe. Ngokusho idatha yakamuva, ngaphezu 80% Ukuthengiselana kwezwe kwenziwa ngezinhlelo zokusebenza zeselula ezifana ne-Alipay ne-WeChat Pay. Ukukhula kwezinkokhelo zedijithali kulethe inselele yokuqinisekisa ukuphepha kwedatha yomsebenzisi. Ukuvela njalo kwamasu ukukhwabanisa nge-elektroniki kwaphoqa izinkundla zokukhokha ukuthi zibheke izixazululo ezintsha, futhi kulapho i-biometrics idlala indima ebalulekile.
U-Alipay, uyazi ngalezi zinsongo, unikele imizamo emikhulu ekusebenziseni ubuchwepheshe obusekelwe ezicini ze-biometric ezifana ukuqashelwa kobuso futhi i ukuqinisekiswa kwezigxivizo zeminwe. Lobu buchwepheshe abuthuthukisi nje kuphela ukunemba nokuba lula, kodwa futhi bunciphisa ukuthembela kumaphasiwedi angase abe sengozini yokuhlaselwa.
Ukwakhiwa kwe-biometric e-Alipay
Phakathi kobuchwepheshe obuphawuleka kakhulu u-Alipay abathuthukisile, i ukuqashelwa kobuso uhola izinhlelo zokuphepha. Ngokusebenzisana nokuqaliswa kwamaShayina Megvii, inkundla yenze intuthuko enkulu emkhakheni wokunemba, yafinyelela ku-a 91% ukunemba uma kuqhathaniswa nesilinganiso 70% wezindlela zendabuko. Lolu hlelo luvumela abasebenzisi ukuthi baqinisekise okwenziwayo ngokubheka ikhamera yedivayisi yabo yeselula, basuse isidingo samaphasiwedi noma izingxenyekazi zekhompuyutha ezikhethekile.
Ukwengeza, i-Alipay ihlanganise ngempumelelo i- ukuqinisekiswa kwezigxivizo zeminwe ngokubambisana neHuawei Technologies. Imodeli kaHuawei ye-Ascend Mate 7 ibingelinye lamadivayisi okuqala ukufaka isifundi somunwe ezinkokhelweni zamaselula, okumaka ingqophamlando embonini ngokunikeza ulwazi lomsebenzisi olusheshayo futhi oluvikeleke kakhulu.
Izinzuzo zokusebenzisa i-biometrics ezinkokhelweni ze-elekthronikhi
Ukusetshenziswa kwe-biometrics ezinkokhelweni ze-elekthronikhi akuthuthukisi ukuphepha kuphela, kodwa futhi kunikeza izinzuzo ezibonakalayo kubasebenzisi nakumabhizinisi:
- Ukuphepha okukhulu: Inhlanganisela yezindlela eziningi zebhayomethrikhi, ezifana nokubonwa kobuso nezigxivizo zeminwe, kwenza kungenzeki ukuthi abakhwabanisi benze imisebenzi yomgunyathi.
- Induduzo: Abasebenzisi bangenza izinkokhelo ngaphandle kokukhumbula amagama ayimfihlo noma baphathe amakhadi aphathekayo, ngokusebenzisa ubuso babo noma izigxivizo zeminwe.
- Isivinini: Imisebenzi ye-biometric iqedwa ngemizuzwana, ilungele izindawo zohwebo ezidingeka kakhulu.
- Ukufinyeleleka: Le ndlela iwusizo ikakhulukazi kubantu abakhubazekile ngokomzimba, isusa izithiyo ezihlobene nezindlela zendabuko.
Ukuncintisana emakethe yezinkokhelo ze-biometric
U-Alipay akayedwa kulo mjaho. Amapulatifomu afana Ukukhokha kwe-WeChat baye bamukela nobuchwepheshe obuphambili be-biometric, njengokuqashelwa kwe ukuphrinta kwesundu + umthambo wesundu. Lolu hlelo luqinisekisa a ukufakazela ubuqiniso okunembe kakhudlwana, ngisho nasezindaweni ezinethrafikhi ephezulu njengeziteshi ezingaphansi komhlaba nezikhumulo zezindiza. Ukuncintisana phakathi kwalezi ziqhwaga kuye kwaqhuba inguquko kwezobuchwepheshe, okuletha izinzuzo eziqondile kubathengi.
Ngakolunye uhlangothi, ezimakethe zaseNtshonalanga, imidondoshiya zobuchwepheshe ezifana Apple Pay y Samsung Pay Bafuna ukuvala igebe ngezinhlelo zabo zokuqinisekisa i-biometric. Ukuhlanganiswa kwalobu buchwepheshe kuma-superapps afana ne-Alipay ne-WeChat Pay kubeka izinhlelo zokusebenza zase-Asia phezulu ku-fintech ecosystem yomhlaba.
Imithelela nezinselele zesikhathi esizayo
Nakuba i-biometrics ithembisa ukuba yizinga lezokuphepha ezinkokhelweni ze-elekthronikhi zesikhathi esizayo, ayinazo izinselele. Okunye ukukhathazeka kufaka phakathi:
- Ubumfihlo bedatha: Amasistimu e-biometric adinga ukugcinwa kolwazi olubucayi, okudala izingozi ezingaba khona zokuphulwa kwedatha.
- Ukuchema kuma-algorithms: Izinhlelo zokuqaphela ubuso, ikakhulukazi, zingabonisa ukuchema kwabantu, okuthinta kabi amaqembu athile ezinhlanga noma ubulili.
Lezi zinselele zigcizelela isidingo semithethonqubo ecacile kanye nentuthuko yezobuchwepheshe enomthwalo wemfanelo kulo mkhakha. Ngentuthuko ngayinye, i-Alipay ihlanganisa isikhundla sayo njengomholi ezinkokhelweni ze-elekthronikhi, ikhombisa ukuthi i-biometrics ingashintsha kanjani hhayi kuphela indlela esenza ngayo, kodwa futhi nombono womhlaba wonke wokuphepha kwezohwebo zedijithali.