信用卡巨頭萬事達將推出Face payment開發心跳認證技術

據外國媒體報道，信用卡巨頭萬事達(MasterCard)將在全球十幾個國家推出"面對面支付”(Face payment)，該公司還在開發利用人體心髒波(心跳)來驗證身份的最新技術。

所謂"臉部支付”就是在移動支付過程中通過自畫像來驗證身份。對於一些沒有指紋識別模塊的手機來說，人臉識別是一種更廉價、更安全的技術。

以最優惠的人民幣兌換率為你提供各種兌換服務。無論是美元兌人民幣、人民幣兌美元，或是港元等其他貨幣都一應俱全。

據報道，萬事達卡去年對面額支付進行了測試，並且在收到足夠的反饋後，有足夠的信心正式推出這項服務。

要使用面對面支付，用戶需要下載萬事達卡的移動支付客戶端並輸入自己的信用卡信息。付款時，用戶只需自拍即可。然而，用戶需要眨眼，這樣軟件才能識別用戶沒有欺騙照片或視頻。

萬事達卡還表示，面對認證技術將對場景的使用有一定的限制，萬事達卡還將使用其他技術來確定用戶的支付交易是否正常。一位負責支付安全的高級主管表示，該軟件將捕獲支付用戶的位置，以及他們正在購買的商品和服務，以確保支付的安全性。

移動支付的迅速發展催生了豐富的識別技術，如指紋識別、人臉識別、語音識別等。萬事達卡(MasterCard)透露，該公司正在開發一種新的識別技術，利用獨特的人體心髒波來驗證身份。

參加過體格檢查的人知道每個人可能都有一個獨特的心電圖，並且通過特殊的傳感器，識別工具可以記錄心電圖波形的變化，從而利用來自心跳的信息來驗證身份。

據稱,心跳識別尤其適合穿設備使用。

去年，萬事達推出了一款支付手鐲產品Nymi Band，並對心跳識別技術進行了全面試驗。加拿大和荷蘭的試驗表明，心跳識別是實用的。

萬事達卡(MasterCard)的一位高管表示，在指紋識別和人臉識別方面，用戶需要能夠做出輸入動作(比如自拍或滑動手指)，但在心跳識別、智能手表或手鐲識別模塊中，用戶可以不知不覺地收集信息，使用速度更快。

然而，據報道，相比人臉識別，心跳識別距離"走進普通人家”還有一段時間。

2015年底，中國的阿裏巴巴集團也展示了面對面支付技術，但到目前為止還沒有得到廣泛推廣。此外，穀歌(Google)也在改進自己的圖像識別技術，計劃在未來推出面部支付功能。

我們知道港股和A股的市場大不相同，但是隨著這兩地的互聯互通，在內地就能夠買港股，在香港就能買A股，使得兩地的金融市場能夠互聯互通，共同發展。每一個股票市場都有著落後股和強勢股，作為投資者的我們要萬分小心。

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Following the introduction last month

of a private label foam mattress assortment, Amazon has upped its game in the space with a more premium mattress line through its Rivet furniture brand, as noted by TJI Research.

The new Rivet Memory Foam Mattress is now available on Amazon in full, queen, and king sizes, priced from $449 for a full size to $624.99 for a king. The Rivet mattress prices are about twice the e-commerce giant's AmazonBasics mattresses, according to a TJI Research blog post.

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Customers can return the mattress for a full refund within 100 nights, a return policy mirroring those from purple, Leesa and Casper, among others. Mattress Firm allows a 120-day trial, while Nectar Mattress allows a full year.

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Dive Insight:

Amazon last month joined in the online mattress fracas that has several players jockeying for market share in the segment, with affordable versions from its high-performing AmazonBasics private brand. But with its new Rivet line, it's taking things up a notch. For the Rivet version, Amazon has incorporated proprietary materials from Celliant and LURAcor foam into its the mattresses, according to the TJI Research blog post.

The AmazonBasics pricing was already a shot across the bow in the space, with prices met or beat only by Wayfair and Walmart, according to data from retail consultancy firm Magid. The AmazonBasics options include twin, full, queen, king and California king sizes, and in various thicknesses, starting at $130 for the thinnest twin. Those price points were "aggressively low," according to Magid SVp of Retail Matt Sargent, who told Retail Dive in an email that the move would "undoubtedly put pressure on competitors to react."

Casper's CMO brushed off concerns about Amazon's entry into the market earlier this month, telling Retail Dive it was "not something that keeps us up at night" and noting that they were playing in the "very, very low end of the market." However, the new effort through Rivet demonstrates that Amazon would like to compete with the leading disruptors in the space as well, which are finding eager consumers even at higher prices. Its chances are good, considering that 62% of customers indicated openness to purchasing private label furniture and mattresses, according to Magid.

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In fact, Magid already found Rivet to be resonating with consumers, who are increasingly willing to bypass national brands like Serta and Sealy. Those indicating that they're open to considering private label mattresses were more open to private brands like Target's Threshold (94% openness) and Amazon's Rivet brands (87%) when compared to national brand Serta (79%).

"The simple interest in these brands among private label 'seekers' is likely one of the key drivers for Amazon's desire to jump into the private label space, and should present an opportunity for furniture retailers seeking to differentiate themselves in an increasingly competitive market," according to an email from Sargent to Retail Dive.

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