Now, people in convenience stores and supermarkets online payment platforms use swipe to pay cash registers directly in front of the merchant, and the payment is completed automatically. This scenario is offline brushing payment. Online facial payment, however, refers to the fact that users make facial payments through their phone's facial recognition camera. Both can be done without scanning a code or entering a PIN.
We know that face painting is done with stereo face recognition cameras. On the hardware side, mobile phones and credit card cash registers mainly use 3D structured light and tof cameras. In addition, the guarantee of network speed is required, and the face information of each user can be transmitted to the platform for authentication. From data transmission, encryption, recognition, etc. must be applied to complex face recognition algorithms. Therefore, brush payment has high technical barriers.
So, what is the difference between online payment and offline payment?
From the perspective of general development, not necessarily all student mobile phone companies can use the online face-swiping payment system function, but as long as you have a face and a company account, you can effectively use face-swiping to pay cash registers for electronic payments. pay. Moreover, when the mobile phone has no power or signal, the mobile phone is basically useless, not to mention the payment by face, and even the payment by scan code cannot be completed in time. The face-to-face payment cash register can easily learn to use face-to-face payment even if the user does not have a mobile phone. If you are making a phone call or using the smartphone market to perform some other operations, you don't need to exit China's existing management interface for face-to-face payment, and then call up the scan function or payment QR code, so that you can automatically select payment without interruption. .
From a security point of view, online mobile phone face payment and 3D structured light face cameras do not necessarily have real-time detection functions, so we see that the mobile phone facial recognition operation needs to cooperate with "mouth, wink, shake head" to confirm the user's identity. A photo, video or 3D mask simulates the face of the object. Online swipe payments can be misjudged.
Professional face-scanning cash registers such as Alipay Dragonfly have the function of liveness detection and can achieve financial-level security certification to better protect the security of user transaction funds and information data. In addition, offline face-scanning cash registers can also bring better business and customer interaction. The face-swiping cash register itself can connect merchants and users. Users can become members of merchants with one click, and regularly remind users to receive member discounts. By swiping your face on the screen of the cash register, merchants can visually display the latest offers and membership offers, bringing better interaction and loyalty to merchants.
At the same time, the face-to-face payment cash register can drive the development of banks and other cash registers, equipment manufacturers, agents, software suppliers, and Internet companies, and bring more opportunities for market expansion.