Shulou(Shulou.com)11/24 Report--

Original title: "there are so many mobile phones, why are there only a few that can be paid by facial scanning?" "

How long has it been since you paid with paper money?

With the popularity of mobile payment, people's payment methods are becoming more and more diversified.

Password payment, fingerprint payment, face payment, which payment method do you use?

Have you ever thought that all smartphones can pay with passwords, most smartphones can pay with fingerprints, but there are only a handful of phones that support face payment?

Is it difficult to realize face payment?

It's not!

The reason still has to start from the realization principle of these payment methods. Let's listen to what the document tells us.

Password payment as the most traditional way of electronic payment, there are two stages to realize password payment. This time, Mr. document will only explain the process of WeChat Pay / Alipay payment, which is commonly used by us at present.

(binding) after 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 the token will be saved locally for later use.

Tips:token is a string generated by the server as a token for the client to request. When the server logs in for the first time, the server generates a token and returns the token to the client. Later, the client only needs to bring the token to request data, without the need 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 Pay client, and the client verifies that the password is correct. Then, the client will bring the token to the WeChat Pay institutional server, and if the server is verified successfully, it will initiate a deduction application to the bank.

Fingerprint payment is different from traditional password payment, the technical core of fingerprint payment is divided into two parts: fingerprint identification technology and payment technology.

With regard to fingerprint recognition technology, you can read another article in our "into Life" series. Optics? Ultrasound? Do you know about mobile fingerprint recognition technology?

Like password payment, there are two steps to implement fingerprint payment.

(open) do you still remember that when opening Alipay or Wechat fingerprint payment, you need to enter the payment password, which is why?

This is because when it is activated, the server of the payment institution will verify the payment password, and after the verification is passed, the server will return a token to the client. The client will call the phone's hardware device to verify the fingerprint, and after the fingerprint is passed, the token is saved locally.

(payment) in the process of fingerprint payment, the client will ask the mobile phone to verify whether the user's fingerprint is correct. If it is correct, upload the locally saved token to the server through the payment API. After the verification by the server is successful, it will initiate a deduction application to the bank.

It is not difficult to see that, compared with password payment, fingerprint payment is through the original password to establish a direct connection with token, so that fingerprints can directly trigger token upload to the server.

Face payment is similar to fingerprint payment, the technical core of face payment is also divided into two parts: face recognition technology and payment technology.

The recognition technology used in face payment is very knowledgeable. In order to distinguish between photos (2D) and real faces (3D), the technology currently used in face payment is 3D structured light technology. He can obtain 3D information of thousands of key points of the face in milliseconds to determine whether he is himself or not, and the recognition accuracy can reach 99.99%.

The realization of 3D structured light requires at least two devices-the emitter and the acquisition device.

Launcher: emits a near-infrared laser that transmits light with certain structural characteristics to the object to be photographed.

Acquisition device: special infrared camera for light collection. This kind of light with a certain structure will collect different phase information due to the different depth areas of the subject, and then convert this structural change into depth information through the operation unit to obtain the three-dimensional structure of the object.

The two devices mean more hardware space. Do you think the bangs of iphone (face payment) are much bigger than those of other brands (fingerprint payment)?

Going back to the payment process, it's a bit like fingerprints.

(opening) when it is opened, the payment institution will ask for a payment password for verification. After the verification of the server is passed, a token is returned to the client, which calls the hardware device to verify the face, and saves the token locally after the face is passed.

(payment) in the process of fingerprint payment, the client will ask the phone to first verify whether the user's face matches. If it is correct, upload the locally saved token to the server through the payment API. After the server verifies successfully, it will initiate a deduction application to the bank.

Conclusion of course, the realization of face payment is far more complex than what the document now describes, and we will further decrypt the mobile face payment in the following article!

However, it is not difficult to see that in terms of payment technology, there is little difference between the three. The key lies in the identification technology:

Password payment: no additional identification equipment is required.

Fingerprint payment: requires fingerprint identification technology, embedded in the screen, no hardware burden.

Face payment: face recognition technology is required, additional recognition equipment is added, and the hardware layout of the front camera is expanded.

At this point, it's up to you to make a choice.

Is it a viewing experience that requires the ultimate full screen? Or do you need the convenience of face payment?

It turns out that face payment is not more difficult to achieve, but that face payment needs to take up more screen space in hardware. In today's era of the pursuit of a comprehensive screen, the advantages are somewhat limited. That's why there are so many phones on the market, but only a few support facial scan payments.

However, with the development of off-screen camera technology, will we be able to pay under the screen one day?

Let's look forward to it together.

This article comes from the official account of Wechat: ZTE documents (ID:ztedoc)

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