tez-site.xml

by Vaidic Joshi

通過(guò)Vaidic Joshi

數(shù)字支付系統(tǒng)的未來(lái)-Google Tez和音頻快速響應(yīng) (The future of digital payment systems — Google Tez and Audio Quick Response)

Google recently marked its entry into the Indian digital payments market by introducing the payment app Tez (Hindi for fast). Since the demonetization of the Indian currency last year, India has seen a tremendous increase in the number of digital payment apps and solutions.

Google最近推出了付款應(yīng)用程序Tez (快速印地語(yǔ))，標(biāo)志著它已進(jìn)入印度數(shù)字支付市場(chǎng)。 自去年印度貨幣取消貨幣化以來(lái)，印度的數(shù)字支付應(yīng)用程序和解決方案的數(shù)量已大大增加。

Almost every bank, e-commerce company, and all major telecom providers have one or more apps that support digital payments and digital wallets.

幾乎每家銀行，電子商務(wù)公司和所有主要的電信提供商都擁有一個(gè)或多個(gè)支持?jǐn)?shù)字支付和數(shù)字錢包的應(yīng)用程序。

So what makes Google Tez different?

那么，什么使Google Tez與眾不同？

This is where Google Tez’s AQR-based solution sounds promising. Users can securely exchange account information using audio to initiate a transaction. And the transaction can be done with a device that has just a microphone and speaker.

這是Google Tez基于AQR的解決方案的地方 聽(tīng)起來(lái)很有希望。 用戶可以使用音頻安全地交換帳戶信息以發(fā)起交易。 交易可以通過(guò)只有麥克風(fēng)和揚(yáng)聲器的設(shè)備完成。

Existing digital payment systems use one or more of the following technologies to exchange account information when making transactions.

現(xiàn)有 數(shù)字支付系統(tǒng)在進(jìn)行交易時(shí)使用以下一種或多種技術(shù)來(lái)交換帳戶信息。

• QR (Quick Response) codes

  QR ( Q uick R esponse)碼

• UPI ( Unified Payments Interface )

  UPI( ünified P ayments 我覆蓋整個(gè)院落 )

• NFC ( Near Field Communication )

  NFC(N耳?Field?ommunication)

This is where Google Tez uses a new alternative, audio-based QR codes (AQR).

Google Tez在此處使用新的替代方法，即基于音頻的QR碼( AQR )。

To understand this, let’s look at the limitations of these digital payment solutions.

為了理解這一點(diǎn)，讓我們看一下這些數(shù)字支付解決方案的局限性。

NFC-based solutions require special hardware that supports near-field communications. Thus users with a basic handset can not use it.

基于NFC的解決方案需要支持近場(chǎng)通信的特殊硬件 。 因此，使用基本手機(jī)的用戶無(wú)法使用它。

UPI-based solutions are a hit. However, the pain point lies in the lengthy setup process. Also the UPI is closely tied to the underlying bank that holds your account, so you might end up having one UPI address per account. Apart from this, users need to type their UPI every time a transaction is made (which for people, like me, are too lazy to do ?).

基于UPI的解決方案很受歡迎。 但是，痛點(diǎn)在于冗長(zhǎng)的設(shè)置過(guò)程。 而且，UPI 與持有您帳戶的基礎(chǔ)銀行緊密相關(guān) ，因此您可能最終每個(gè)帳戶只有一個(gè)UPI地址。 除此之外，用戶每次進(jìn)行交易時(shí)都需要鍵入其UPI(對(duì)于像我這樣的人來(lái)說(shuō)，這太懶了？)。

QR-based solutions are the most popular, and seemingly the easiest way to initiate a transaction. All one needs to do is scan a QR code. However, again, QR code-based solutions require devices with cameras and are vulnerable to “attagging” attacks.

基于QR的解決方案是最受歡迎的，而且似乎是發(fā)起交易的最簡(jiǎn)單方法。 所有需要做的就是掃描QR碼。 但是，基于QR碼的解決方案再次要求配備攝像頭的設(shè)備，并且容易受到“ 標(biāo)記”攻擊 。

?This is where Google Tez’s AQR sounds promising. Audio is used to start the transaction. Its best selling part is that transactions can be completed with a simple device that has just a microphone and speaker — and isn’t that what phones used to be a decade ago?

這就是Google Tez的A QR聽(tīng)起來(lái)很有希望的地方。 音頻用于開(kāi)始交易。 其最暢銷的部分是可以使用帶有麥克風(fēng)和揚(yáng)聲器的簡(jiǎn)單設(shè)備完成交易，這不是十年前的電話嗎？

Yes and no. There are audio-based data exchange apps and solutions. Here are two:

是的，沒(méi)有。 有基于音頻的數(shù)據(jù)交換應(yīng)用程序和解決方案。 這是兩個(gè)：

• Chirp, which provides data over sound solutions

  Chirp ，通過(guò)聲音解決方案提供數(shù)據(jù)

• Shuttl app, which provides audio boarding passes and is based on Chirp

  Shuttl應(yīng)用程序，基于Chirp提供音頻登機(jī)牌

In fact, we have an audio-based payment solution by ToneTag. Infosys has recently announced its partnership with ToneTag for audio-based digital solutions. (Another reason to believe audio-based payment solutions is the future. ?)

實(shí)際上，我們有ToneTag提供的基于音頻的支付解決方案。 Infosys最近宣布了與ToneTag的合作伙伴關(guān)系，用于基于音頻的數(shù)字解決方案。 (相信基于音頻的支付解決方案的另一個(gè)原因是未來(lái)。)

Using audio to generate QR codes appears to be new. (I have not yet come across an existing solution. Please correct me if I am mistaken.?)

使用音頻生成QR碼似乎是新的。 (我尚未遇到現(xiàn)有的解決方案。如果我弄錯(cuò)了，請(qǐng)更正我。？)

AQR allows two nearby devices to pair up by using sound. Google Tez uses AQR for cash mode payment transfers.

AQR允許附近的兩個(gè)設(shè)備通過(guò)聲音配對(duì)。 Google Tez使用AQR進(jìn)行現(xiàn)金模式的付款轉(zhuǎn)帳。

The app uses ultrasound audio to pair up the devices. A random audio is recorded, shuffled, encrypted, and then transmitted in short bursts using the device’s speakers. The other device captures these audio bursts by using its microphone, and then decrypting the audio to get the required data for pairing.

該應(yīng)用程序使用超聲音頻來(lái)配對(duì)設(shè)備。 隨機(jī)音頻會(huì)被記錄，改組，加密，然后使用設(shè)備的揚(yáng)聲器以短脈沖串傳輸。 另一臺(tái)設(shè)備通過(guò)使用其麥克風(fēng)捕獲這些音頻突發(fā)，然后解密音頻以獲得配對(duì)所需的數(shù)據(jù)。

AQR is supposed to be more secure than the QR codes. Also, Google uses its network to detect fraudulent activities.

AQR應(yīng)該比QR碼更安全。 此外，Google使用其網(wǎng)絡(luò)來(lái)檢測(cè)欺詐活動(dòng)。

At the time of the writing of this article, there is no official documentation about how AQRs are created, encrypted, and decrypted. Let’s take a look at how ToneTag uses audio to complete secure payment transactions. ToneTag’s audio-based payment solution uses the following methods to ensure secure audio-based payments:

在撰寫(xiě)本文時(shí)，尚無(wú)有關(guān)如何創(chuàng)建，加密和解密AQR的官方文檔。 讓我們看一下ToneTag如何使用音頻完成安全的支付交易。 ToneTag的基于音頻的支付解決方案使用以下方法來(lái)確保安全的基于音頻的支付：

The device first exchanges dynamic audio data to perform an audio-based handshake. This is called tokenization. Once the handshake is successful, the data is encoded into sound waves, which can then be transferred over a phone’s speakers. The data is encrypted and has an error-detection mechanism built into it. This encrypted data is then exchanged and allows devices to pair with each other. In order to complete the transaction, one-time password (OTP) and pin-based authentication are further required.

該設(shè)備首先交換動(dòng)態(tài)音頻數(shù)據(jù)以執(zhí)行基于音頻的握手。 這稱為令牌化。 握手成功后，數(shù)據(jù)將被編碼為聲波，然后可以通過(guò)電話的揚(yáng)聲器進(jìn)行傳輸。 數(shù)據(jù)已加密，并且內(nèi)置了錯(cuò)誤檢測(cè)機(jī)制。 然后交換此加密數(shù)據(jù)，并允許設(shè)備相互配對(duì)。 為了完成交易，還需要一次性密碼 (OTP)和基于密碼的身份驗(yàn)證。

With Google Tez and Infosys partnering with ToneTag, it seems we have entered into a new era of audio-based digital payments.

通過(guò)Google Tez和Infosys與ToneTag的合作，我們似乎已經(jīng)進(jìn)入了基于音頻的數(shù)字支付的新時(shí)代。

Since the Google Tez app uses ultrasound frequency for AQR, the app might not work with phones that do not have ultrasound speakers or microphones. The app claims to support all smartphones.

由于Google Tez應(yīng)用將超聲頻率用于AQR，因此該應(yīng)用可能無(wú)法與沒(méi)有超聲揚(yáng)聲器或麥克風(fēng)的手機(jī)一起使用。 該應(yīng)用程序聲稱支持所有智能手機(jī)。

Originally published at vedify.in on September 25, 2017.

最初于2017年9月25日在vedify.in上發(fā)布。

翻譯自: https://www.freecodecamp.org/news/google-tez-and-audio-quick-response-the-future-of-digital-payment-systems-9ae3485c7128/

tez-site.xml

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