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The Big Three blessed the Internet of Things to "fly" to the people
Securities dailyWu Xiaotong
The Internet of Things era of "going to the world by face" has come to the fore.
During the Spring Festival holiday, the "Securities Daily" reporter found that a supermarket chain in the fifth-tier city has opened Alipay's face payment channel. "It used to be a million years ago, and now it is a million yuan."
During the visit, the reporter found that the current face-to-face payment has not yet entered the “hot” stage, which is popular among younger groups, while the middle-aged and elderly groups who have just accepted mobile payment are cautious. The supermarket staff told reporters, "After a while, everyone found that the face payment is safer, it may be used."
Brush face payment into the fifth-tier city
The reporter visited Xinzheng, a county-level city under the jurisdiction of Henan Province. It is located in the central part of Henan Province and south of Zhengzhou. It is a small town with five lines. The city is famous for its Xinzheng jujube and the annual grand ceremony of the Yellow Emperor's hometown in March. In recent years, I returned to the hometown in the Spring Festival. The reporter found that the small city of Xinzheng is undergoing rapid changes.
Before the Spring Festival, when the reporter went to a supermarket chain in Xinzheng City, he found that in the long queue of checkouts at the checkout counter, there was an Alipay quick scan code for self-checkout channels, but only a few people. The reporter was very excited and experienced the payment of Alipay's face for the first time.
The reporter chose to pay for the face after scanning the goods in the self-service terminal machine. After the face recognition, the machine will prompt to enter the last 4 digits of the mobile phone number. After that, the payment is successfully settled by Alipay, and the small ticket is automatically printed. The Alipay in the reporter's mobile phone The software also prompts the amount of this purchase. Without cash and mobile phones, residents of the five-line small city can also achieve shopping.
The supermarket staff told reporters that the Alipay brush face payment machine was launched a month ago, a cashier maintains three machines, but currently there are fewer people paying through the face. “Some customers also want to self-checkout, but at the end of the operation, they found that they have not registered Alipay, so they gave up,” the staff member said. “Most of the people who pay with the brush face are young people.”
The reporter interviewed the customers who queued to check out and found that the reason for brushing the face to face the cold was nothing more than the following: "I use cash, so I don't choose machine self-checkout", "My money is in WeChat, that can only be used." Alipay, "I don't have an Alipay yet." However, some consumers expressed concern about the safety of paying for the face.
Alipay security department staff told Securities Daily that Alipay collects data in compliance with user authorization, and encrypts and protects personal information to protect users' privacy. He said that each Alipay account has security risks. If it is confirmed that the user information has been stolen, Alipay will make a claim. "The full amount of claims within 1 million yuan."
Some insiders believe that brush face payment is safer and more convenient than password payment. With the further reduction of the threshold, the face payment will explode in the next three years.
For account security, the above-mentioned Alipay security department staff said that users also need to pay attention to from many aspects: usually do not scan unfamiliar QR code links; timely clear the information after receiving the courier; in addition, after the SMS is subject to the check code and payment code , delete in time; the payment code should not be leaked.
The reporter visited other supermarkets in Xinzheng City and found that another large domestic supermarket chain Dennis still used manual checkout. The face-lifting of other supermarkets in the above-mentioned supermarket chains has not yet entered the "hot" stage. Older customers have just accepted mobile payment, and they have not adapted to the latest online payment, but some middle-aged consumers have just downloaded Alipay, which reflects a face-to-face payment.
Three giants enter the game
On December 10, 2018, UnionPay officially announced the launch of a face-to-face payment. UnionPay cardholders do not need to carry bank cards and mobile phones. They can complete payment in Beijing and Shanghai by directly using “brush face”. At this point, Alipay, WeChat payment and UnionPay three giants have joined the brush face payment. The industry believes that the entry of the China National Branding Union is a great recognition of the payment of the face.
Some analysts believe that the payment giant's layout of "brush face" payment is mainly to be more closely related to its own ecosystem. "Brush face" payment can accurately identify independent user individuals and enhance the payment experience, which is advantageous for the payment company to accumulate effective users. .
It is reported that since 2018, self-service cash registers with face-paying functions have been used in large commercial scenes such as retail, catering and medical. Last year's "Double 11" data showed that the payment of face and fingerprints was as high as 60%, becoming a mainstream payment method.
From the perspective of the average consumer, the Internet of Things has come to the fore.
In December 2018, the Central Economic Conference first mentioned “new infrastructure”: to increase manufacturing technological transformation and equipment renewal, accelerate the pace of 5G commercialization, and strengthen the construction of new infrastructure such as artificial intelligence, industrial Internet, and Internet of Things.
According to the statistics of the Prospective Industry Research Institute, in 2017, the scale of China's Internet of Things industry reached 1.15 trillion yuan, a year-on-year increase of 23.66%. In 2018, the industry scale reached 1.35 trillion yuan, a year-on-year increase of 17.39%. It is estimated that by 2020, the overall size of China's Internet of Things will exceed 1.8 trillion yuan.
Oriental wealthThe Securities Research Report shows that the main drivers of IoT investment come from some business automation (64%), optimized workflow (53%), increased production (37%) and labor cost savings (37%). In addition, comparing the data for 2017 and 2016, we can see that IoT investment is more demanding to improve business automation and reduce costs.
Editor in charge: Fu Jianqing RF13564
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