How long has it been since you paid in paper money?
With the popularity of mobile payment, everyone’s payment methods are becoming more and more diversified.
Password payment, fingerprint payment and face payment, which payment method do you use?
Has it ever occurred to you,allAll smartphones can pay by password.mostSmartphones can pay by fingerprint, while mobile phones that support face payment docan be counted on (the fingers of) one hand—very few?
Is face payment difficult to achieve?
Not really!
The reason has to start with the realization principle of these payment methods. And listen to the document jun ~
As the most traditional way of electronic payment, password payment can be realized as followsTwo stages. (Documentary Jun only explains the process of WeChat payment/Alipay payment that we currently use generally ~)
(binding)When you and the bank agree to bind the bank card, you will set the payment password, and the payment institution will verify the payment password. After the verification is passed, the server will return a token to the client, so that the token will be saved locally for future use.
Tips:token is a string generated by the server as a token for the client to make a request. When logging in for the first time, the server generates a token and returns it to the client. In the future, the client only needs to bring this token to request data, without having to bring the user name and password again.
(payment)When you drink milk tea and scan the code to pay, you need to enter the payment password in the WeChat payment client, and the client verifies that the password is correct. Then, the client carries the token to the WeChat payment institution server, and the server will initiate a debit application to the bank after the verification is successful.
Different from the traditional password payment, the technical core of fingerprint payment is divided into two parts:Fingerprint identification technologyYuzhiPay for technology.
About fingerprint identification technology, you can read another article in our "Into Life" series, Capacitance? Optics? Ultrasound? Do you know the fingerprint identification technology of mobile phone?
Like password payment, there are two steps to realize fingerprint payment.
(open)Do you still remember that when you open Alipay or WeChat fingerprint payment, you need to enter the payment password. Why?
This is because when it is opened, the server of the payment institution will check the payment password, and after the server passes the check, it will return a token to the client. The client will call the hardware device of the mobile phone to check the fingerprint. After the fingerprint passes, the token is saved locally.
(payment)In the process of fingerprint payment, the client will ask the mobile phone to check whether the user’s fingerprint is correct first. If it is correct, it will upload the locally saved token to the server through the payment interface. After the server checks successfully, it will apply to the bank for deduction.
It is not difficult to see that compared with password payment, fingerprint payment isEstablish direct contact with token through the original password., so that the fingerprint canDirectly trigger token to upload to the server..
Similar to fingerprint payment, the technical core of face payment is also divided into two parts:Face recognition technologyandPayment technology.
The recognition technology used in face payment is very knowledgeable. In order to distinguish photos (2D) from real faces (3D), the technology currently used in face payment is 3D structured light technology, which can obtain 3D information of thousands of key points of faces in milliseconds to judge whether they are real or not, and the recognition accuracy can reach 99.99%.
To realize 3D structured light, at least two devices are needed-an emitter and an acquisition device.
electropult: Emit near-infrared laser to transmit light with certain structural characteristics to the photographed object.
Acquisition device: Special infrared camera for light collection. The light with this certain structure will collect different phase information due to different depth areas of the object, and then the structural change will be converted into depth information by the operation unit to obtain the three-dimensional structure of the object.
Two devices mean that it needs to occupy more hardware space. Do you believe that Liu Haiping of iphone (supporting face payment) is much larger than the hole-digging screen of other brands (supporting fingerprint payment)?
Back to the payment process, this is somewhat similar to fingerprints.
(open)At the time of opening, the payment institution will ask for the payment password for verification. After the server passes the verification, it returns a token to the client, and the client calls the hardware device to verify the face. After the face passes, it saves the token locally.
(payment)In the process of fingerprint payment, the client will ask the mobile phone to check whether the user’s face matches first. If it is correct, it will upload the locally saved token to the server through the payment interface. After the server checks successfully, it will apply to the bank for deduction.
Of course, the realization of face payment is far more complicated than what Wen Jun describes now, and we will further decrypt the face payment of mobile phones in later articles!
However, it is not difficult to see that there is little difference between the three in payment technology, and the key lies in identification technology:
Cryptographic payment: No additional identification equipment is required.
Fingerprint payment: Need fingerprint identification technology, embedded in the screen, no hardware burden.
Face paymentFace recognition technology is needed, recognition equipment is added, and the hardware layout of the front camera is expanded.
Alas ~ at this time, you need to make a choice.
Is it a viewing experience that requires the ultimate comprehensive screen? Or do you need the convenience of face payment?
It turns out that face payment is not more difficult to achieve, butFace payment needs to occupy more screen space on hardware.. In today’s era of pursuing a full screen,Advantages have some limitations. This is why there are so many mobile phones on the market, but only a few mobile phones support face-brushing payment.
However, with the development of off-screen camera technology, one day, can we realize off-screen face payment?
Let’s look forward to it ~