Imagine strolling into your local supermarket\uff0c popping your essentials into a basket\uff0c heading to the bagging area - where no items are unexpected - and walking out with your weekly shop\u3002<\/p>\n
\u60f3\u8c61\u4e00\u4e0b\uff0c\u5f53\u4f60\u6f2b\u6b65\u5728\u9644\u8fd1\u7684\u8d85\u5e02\uff0c\u628a\u4f60\u7684\u65e5\u5e38\u7528\u54c1\u201c\u556a\u201d\u7684\u4e00\u4e0b\u6254\u5230\u7bee\u5b50\u91cc\uff0c\u518d\u524d\u5f80\u88c5\u888b\u533a\uff0c\u7136\u540e\u628a\u4f60\u6bcf\u5468\u7684\u5bfb\u5e38\u6d88\u8017\u54c1\u5e26\u51fa\u8d85\u5e02\u5373\u53ef\u3002<\/p>\n
There is no need to make a payment\uff0c no fiddling with coins\uff0c and no placement of a debit or credit card in a terminal\u3002 In fact\uff0c there is no till at all\u3002<\/p>\n
\u5728\u8fd9\u4e2a\u8fc7\u7a0b\u4e2d\uff0c\u4ed8\u6b3e\u662f\u5197\u4f59\u7684\uff1a\u65e2\u4e0d\u9700\u8981\u6446\u5f04\u786c\u5e01\uff0c\u4e5f\u6ca1\u6709\u5730\u65b9\u628a\u4fe1\u7528\u5361\u6216\u8005\u501f\u8bb0\u5361\u653e\u5728pos\u673a\u7ec8\u7aef\u3002\u4e8b\u5b9e\u4e0a\uff0c\u6839\u672c\u5c31\u6ca1\u6709\u4ed8\u6b3e\u67dc\u53f0\u3002<\/p>\n
This is not casual shoplifting but a realistic prospect of the future way to pay - when technology recognises your presence\uff0c scans your shopping\uff0c and invisibly takes payment from your account\u3002<\/p>\n
\u4ee5\u4e0a\u8fc7\u7a0b\u5e76\u975e\u5076\u7136\u7684\u5077\u7a83\uff0c\u800c\u662f\u5bf9\u672a\u6765\u652f\u4ed8\u65b9\u5f0f\u7684\u5408\u7406\u5c55\u671b\uff1a\u79d1\u6280\u624b\u6bb5\u53ef\u4ee5\u8bc6\u522b\u51fa\u4f60\u7684\u5b58\u5728\uff0c\u5e76\u626b\u63cf\u51fa\u4f60\u7684\u8d2d\u7269\u54c1\uff0c\u4ece\u800c\u5728\u65e0\u5f62\u4e2d\u5e2e\u52a9\u7528\u6237\u5728\u5e10\u6237\u91cc\u6263\u94b1\u652f\u4ed8\u3002<\/p>\n
Amer Sajed\uff0c the chief executive of Barclaycard\uff0c says it will spell the steady demise of the physical plastic credit card\uff0c which his company introduced to the UK 50 years ago\u3002<\/p>\n
\u5df4\u514b\u83b1\u94f6\u884c\u7684\u9996\u5e2d\u6267\u884c\u5b98Amer Sajed\u6307\u51fa\uff0c\u65b0\u7684\u652f\u4ed8\u65b9\u5f0f\u610f\u5473\u7740\u4f20\u7edf\u5851\u6599\u4fe1\u7528\u5361\u7684\u9010\u6b65\u6d88\u4ea1\uff0c\u8fd9\u79cd\u57fa\u4e8e\u7269\u7406\u4ecb\u8d28\u7684\u4fe1\u7528\u5361\u6b63\u662f\u5df4\u514b\u83b1\u94f6\u884c50\u5e74\u524d\u5f15\u5165\u82f1\u56fd\u7684\u3002<\/p>\n
\u201cPeople will be able to seamlessly shop going between the web\uff0c an app or in store\uff0c\u201d he says<\/p>\n
\u4ed6\u8bf4\uff1a\u201c\u4eba\u4eec\u5c06\u80fd\u591f\u5728\u7f51\u4e0a\uff0capp\u4ee5\u53ca\u5b9e\u4f53\u5e97\u91cc\u8fdb\u884c\u8854\u63a5\u5b8c\u7f8e\u7684\u8d2d\u7269\u3002<\/p>\n
It will also create a battle for control of your digital wallet between banks and technology companies\uff0c as well as prompt debate over our privacy and security\u3002<\/p>\n
\u94f6\u884c\u548c\u63a8\u51fa\u9690\u6027\u652f\u4ed8\u7684\u516c\u53f8\u5c06\u4e3a\u7528\u6237\u6570\u5b57\u94b1\u5305\u7684\u63a7\u5236\u6743\u800c\u5c55\u5f00\u4e89\u593a\u3002\u4e2a\u4eba\u9690\u79c1\u548c\u5e10\u6237\u5b89\u5168\u7b49\u6f5c\u5728\u95ee\u9898\u4e5f\u5c06\u8fc5\u901f\u5f15\u8d77\u4e89\u8bba\u3002<\/p>\n
Credit cards have evolved since 1966\uff0c but the basic procedure of payment has remained the same\u3002 A card is either handed over\uff0c or the number on it is read out or entered into a machine\u3002<\/p>\n
\u4ece1966\u5e74\u8d77\u4fe1\u7528\u5361\u5c31\u4e00\u76f4\u5728\u8fdb\u5316\uff0c\u4f46\u662f\u6838\u5fc3\u652f\u4ed8\u8fc7\u7a0b\u5374\u4ece\u672a\u53d8\u8fc7\uff1a\u4eba\u4eec\u8981\u4e48\u628a\u5361\u624b\u628a\u624b\u5730\u4ea4\u7ed9\u552e\u8d27\u5458\uff0c\u8981\u4e48\u5c06\u5361\u585e\u8fdb\u673a\u5668\uff0c\u8bfb\u53d6\u4e0a\u9762\u7684\u6570\u5b57\u548c\u4fe1\u606f\u3002<\/p>\n
All that requires the existence of a plastic card\uff0c but Mr Sajed says this is being replaced by wearable items\u3002<\/p>\n
\u8fd9\u6837\u7684\u4ea4\u6613\u8fc7\u7a0b\u4ec5\u4ec5\u9700\u8981\u4e00\u5f20\u5851\u6599\u5361\uff0c\u4f46\u662fSajed\u5148\u751f\u8bf4\u8fd9\u4e9b\u5c06\u88ab\u53ef\u7a7f\u6234\u8bbe\u5907\u6240\u53d6\u4ee3\u3002<\/p>\n
At a display for Barclaycard staff\uff0c he shows off a plastic ring\uff0c a bracelet and a keychain which all contain a chip allowing the shopper to make payments on credit\u3002<\/p>\n
\u5728\u5bf9\u5df4\u514b\u83b1\u94f6\u884c\u5458\u5de5\u7684\u5c55\u793a\u4e2d\uff0c\u4ed6\u5c55\u793a\u4e86\u5851\u6599\u6307\u73af\uff0c\u9879\u94fe\u4ee5\u53ca\u94a5\u5319\u73af\uff0c\u8fd9\u4e9b\u90fd\u5305\u62ec\u4e86\u53ef\u4ee5\u8ba9\u8d2d\u7269\u8005\u901a\u8fc7\u4fe1\u7528\u5361\u652f\u4ed8\u7684\u82af\u7247\u3002<\/p>\n
This\uff0c he says\uff0c is just a bridge to technology that will see customers identified by their eye or fingerprint\uff0c located via their smartphone\uff0c and able to shop without queuing up at a checkout\u3002<\/p>\n
\u4ed6\u8bf4\u901a\u8fc7\u8fd9\u6837\u7684\u9014\u5f84\uff0c\u9ad8\u79d1\u6280\u53ef\u4ee5\u5229\u7528\u773c\u775b\u548c\u6307\u7eb9\u8bc6\u522b\u5206\u8fa8\u987e\u5ba2\uff0c\u540c\u65f6\u4e5f\u53ef\u4ee5\u5229\u7528\u667a\u80fd\u624b\u673a\u6765\u5b9a\u4f4d\u51fa\u987e\u5ba2\u7684\u4f4d\u7f6e\u3002\u8fd9\u6837\u5728\u8d2d\u7269\u65f6\u5c31\u4e0d\u9700\u8981\u5728\u6536\u94f6\u53f0\u524d\u6392\u961f\u3002<\/p>\n
Although cash\uff0c cheques and indeed cards will remain an option for shoppers\uff0c he says\uff0c these new ways of paying will take a growing share of the payments market in 10 years\u2019 time\u3002<\/p>\n
\u5c3d\u7ba1\u73b0\u91d1\u3001\u652f\u7968\u4ee5\u53ca\u4fe1\u7528\u5361\u5c06\u4f1a\u4ecd\u7136\u6210\u4e3a\u987e\u5ba2\u652f\u4ed8\u7684\u9009\u62e9\uff0c\u4ed6\u8bf4\u8fd9\u79cd\u53ef\u7a7f\u6234\u5f0f\u7684\u652f\u4ed8\u624b\u6bb5\u5c06\u572810\u5e74\u5185\u9010\u6e10\u5360\u636e\u66f4\u5927\u7684\u5e02\u573a\u4efd\u989d\u3002<\/p>\n
Such a prospect sounds frightening for anyone who already has concerns about corporations\uff0c and potentially hackers\uff0c tracking our whereabouts or spending habits\u3002<\/p>\n
\u8fd9\u6837\u7684\u524d\u666f\u5c06\u4f7f\u90a3\u4e9b\u5df2\u7ecf\u5bf9\u73b0\u5728\u7684\u4f01\u4e1a\u6f0f\u6d1e\u548c\u6f5c\u5728\u7684\u9ed1\u5ba2\u5a01\u80c1\u6df1\u611f\u4e0d\u5b89\u7684\u4eba\u4eec\u66f4\u52a0\u5fe7\u8651\uff0c\u56e0\u4e3a\u8fd9\u5c06\u53ef\u4ee5\u8ffd\u8e2a\u4eba\u4eec\u7684\u53bb\u5411\u548c\u6d88\u8d39\u4e60\u60ef\u3002<\/p>\n
Mr Sajed argues that nothing will be done without permission\u3002<\/p>\n
Sajed\u5148\u751f\u53cd\u9a73\u8bf4\u9664\u975e\u6d88\u8d39\u8005\u6388\u6743\uff0c\u5426\u5219\u4ec0\u4e48\u90fd\u4e0d\u4f1a\u505a\u3002<\/p>\n
\u201cWe would never track anyone\u2019s location or data without their express knowledge\u3002 and it would only be for things that the customer has allowed us to do\u3002\u201d<\/p>\n
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There is an extra benefit\uff0c he says\uff0c as it is much easier to authorise a transaction when a card company knows a customer\u2019s location\u3002 It is easier to stop fraud for the same reason\u3002<\/p>\n
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A link in the background between the individual and the payment system is required for any of this to work\u3002 This already happens with shopping portals like Amazon and services such as Uber allowing a single-click transaction because bank or credit card details are loaded when the customer first signs up\u3002<\/p>\n
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\u201cThese emerging technologies still use the existing\uff0c underlying rails of the card payments system\uff0c\u201d says Richard Koch\uff0c head of policy at the UK Cards Association<\/p>\n
\u201c\u8fd9\u9879\u65b0\u7684\u6280\u672f\u5176\u5b9e\u8fd8\u662f\u6cbf\u7528\u4e86\u5df2\u7ecf\u5b58\u5728\u7684\u652f\u4ed8\u5361\u4ea4\u6613\u7cfb\u7edf\u201d\uff0c\u6765\u81ea\u82f1\u56fd\u4fe1\u7528\u5361\u534f\u4f1a\u7684Richard Koch\u5148\u751f\u8bf4\u3002<\/p>\n
As this digital market becomes more prevalent\uff0c and the technology advances\uff0c there will be a battle among banks\uff0c payment providers and others for their product to be used\u3002<\/p>\n
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The UK Cards Association predicts there will be almost 21 billion \u201ccard\u201d transactions in the UK in 2025\uff0c up from 12.6 billion last year\u3002 Of these\uff0c 3.6 billion will be credit card purchases compared with 2.5 billion last year\u3002<\/p>\n
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