最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

谷歌试行Hands Free 刷脸或说出姓名缩写即可完成支付

Android Pay走入美国市场的进程还在继续。不过,最近Android Pay的老东家谷歌公司又开始了一项新的实验性项目,让消费支付升级跨过现有的“接触-支付”模式(Tap-and-Pay)。

Hands Free 去年5月第一次试行,但当时官方并没有给出过多服务细节。而如今谷歌已经开始邀请旧金山湾区南部地区的居民参加试用了,不过使用范围有限,只能在包括麦当劳和Papa John's在内的一些当地餐厅使用。

当用户安装完app和上传照片后, Hands Free会依靠WiFi、蓝牙以及定位服务来确定用户是否位于合作零售商和餐馆的附近。当用户向收银员付款时,只需说“我使用谷歌支付”,讲出你的姓名缩写,然后收银员就能使用存储在设备终端中的照片确认你的身份,完成交易。

用户在一些商店里甚至不用说出姓名缩写,系统会通过定位相机扫描你的脸,验证资料匹配后就可以完成转账。

近些年来,谷歌、苹果和三星等公司竞相进入移动支付领域。这些科技巨头不仅从这个市场中获得了丰厚利润,同时也大大简化了支付流程。现金已经逐渐衰落了,而非接触式卡和手机正在取代纸币和硬币。

谷歌高级主管、产品经理 Pali Bhat在一篇博客文章中说到:“将来,你可以不用掏钱包就直接从得来速里买到吃的,或者说下次在棒球场外买热狗的时候也不用手忙脚乱地在钱包里找零钱了。” 但是因为要扫描个人照片,也有人对由此带来的个人隐私安全表示了担忧。不过谷歌方面已经表示,扫描过的照片会在支付完成之后立即自动删除。

虽然还在试验期,但Hands Free为我们观察未来商业模式打开了一个新的窗口。谷歌想进一步改变人们的支付习惯,不过到底能走多远没人知道答案。

 

Google is still in the process of bringing Android Pay to merchants around the U.S., but the Internet giant is now extending a new pilot project that will let you sidestep the need to "tap and pay" with any physical contraption.

Available now for Android and iOS, Hands Free was first teased last May, though no launch details were given for the service. Now, however, Google is inviting South Bay (near San Francisco) residents to take part in the early-stage program, though it will only be open to a "small number" of local eateries, including McDonald's and Papa John's.

Once you've installed the app and completed your profile, Hands Free uses a mixture of Bluetooth, Wi-Fi, and location-based services on your phone to establish whether you're in close proximity to a participating outlet. When you go to pay, you tell the cashier that you'll pay with Google, give them your initials, and the cashier then verifies that you are who you say you are by looking at the photo on your Hands Free profile.

In some stores, Google said that it's doing away with the need to use your initials altogether - a carefully positioned camera will scan your face and match it against your profile to authenticate and process the transaction.

With companies such as Google, Apple, and Samsung all fighting for their share of the lucrative mobile payments pie, we're already seeing significant steps toward a true friction-free shopping experience. Cash has been becoming obsolete for some time already, with contactless cards and more recently mobile phones stepping up to replace paper and coins.

"Imagine if you could rush through a drive-thru without reaching for your wallet, or pick up a hot dog at the ballpark without fumbling to pass coins or your credit card to the cashier," said Pali Bhat, senior director, product management at Google, in a blog post. But it will also raise some privacy concerns, given that Google and retailers will be scanning customers' faces in some locations, although Google is quick to point out that the images are deleted "immediately."

It's still early days, but Hands Free gives a glimpse into the future of commerce. What Google is doing now is seeing how far it can push the boat out .


用微信扫描可以分享至好友和朋友圈

评论

  • s
    sofia在 2016/03/08 12:41回复

    一个刷脸的时代 即将来临

  • w
    wanjiech在 2016/03/08 10:30回复

    不敢随便整容了 哈哈哈

  • w
    weiweij在 2016/03/04 21:40回复

    大开眼界了 收藏了~~~~

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

钱佳琪 | 未央团队未央编辑团队

34
总文章数

TA还没写个人介绍。。。

为了争夺这个场景,财付通、支付宝、银联都拼了

洪偌馨 | 馨金融 2天前

国外主要国家无现金社会发展概况及对我国的启示

郭航 | 中国支付清... 2天前

腾讯集团赖智明:移动支付带来了新的机会,新的挑战

小未 09-17

马化腾亲自上阵,要拿下这个移动支付场景

洪偌馨 09-17

银行涉足移动支付的野心、取巧和挫败,都在这三个案例上

佚名 | 券商中国 09-14

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1