Digital Identity through Payment System to express
From Web 2.0 era, with the development of Internet and digital technology, an increasing number of products have developed into electronic products and made people’s daily lives easier than before, which is a convenient way to show citizens’ true ideas and can give public wonderful appearances that they want to express. In general terms, everyone has disparate characters online compare with their real lives through various social media or online software. According to Cover (2015) reported, the part of net-friends’ online behaviours are different with their real social classes or appearances, it should not be connected with together. On the other hand, most of the time, the use of social networking sites, tools, features, or satisfy the scope of the neglected, give them with a single, unified activities or only the appearance of the “purpose”. (Cover, 2015) For example, a large number of citizens contact with their friends, colleagues or teachers, and make an appointment banks, gyms or galleries via e-mails, because it is the most convenient way to finish these matters. As Cover (2015) said, understanding social networking and identity of another method is to consider the social networking activities used as digital media excellence in some way, these activities are positive behaviour constitute the identity of the user behaviour. As Teaching & Innovations CSUCI (2015) published, “the idea of identity is an interesting one and is quite complex who you are reflects both how you see yourself and how others see you both of which are relevant when it comes to your digital identity”.
Electronic Payment System
At present, electronic payment systems like credit card, online payment and PayPal become popular in numbers of developed and developing countries and areas. Electronic payment system brings a number of benefits, such as PayPal, for individuals it reduces over by half time on queuing up and decreases the risks of getting counterfeit money, meanwhile, it is convenient for merchants gain the data about consumers’ hobbies, places and time, which is better to improve company’s marketing strategy. At the same time, electronic payment system also has a certain amount of risks. According to the Pinnacle Cart (2012) reported, online payments should give some solution, the following question first is it secure and the next is the reliable, finally is easy to use.
For instance, credit card, even though it reduces the time of queuing up and the risk of getting counterfeit money, however, there is no one can deny that credit card also has financial issues.
Firstly, people overdraft banks’ money for their daily consumption, which makes an increasing number of public tend to use the credit card to finish their kinds of expenditures. Nonetheless, a part of them have no enough ability to pay back banks, it results in these people’s prestige become terrible. On the other hand, a few public choose suicide or crime due to debts. And it is a serious issue that the credit card can be copied. Nowadays, most of stores, shopping malls, restaurants or supermarkets do not need pin when consumers pay the bills. It leads to the lawless persons will use the copied credit card, which is harmful to the real credit card holder. However, the kinds of banks have enhanced their credit authority and give three basic steps: Authorization, Capture and Settlement. (Authorize Net, 2014)
Electronic payment system is the same significant that for merchants or businessmen. For instance, Chinese Spring Festival is the most important festival in Chinese society like the Christmas in Western. A large number of wage earners and officers want to go back their hometowns and spend the special and joyful time with their families. So most of them need to buy train or airplane tickets for back homes, but if the train or airplane companies have no enough data about their consumers’ background, they will have no enough time and power to prepare various of contingency plans to handle with different of emergency and give a perfect plan to deal with the problem that millions of people want to back homes. If public order the tickets via online reservation system, the companies will acquire the data that they need. Such as, people have different professions tend to which kind of vehicles, people are willing to choose what time to going out, the most people get to which direction, and when the people return to the cities.
(Figure 1: Electronic Payment Systems (Shamos 2004))
All above data can deliver to the companies through the online payment system. The merchants can get a better their consumers’ traffic analysis, which are able to provide high quality services as well as allow citizens to reduce waiting time or on the road.
Biometric Payment System
When public are habituated to use kinds of electronic payment system to finish their daily transactions, meanwhile, a serious of issues are shown. So IT (information technology) staff develop into biometric payment system, as known as, Apple Pay is the most popular and famous biometric payment. As the Safran Identity and Security (2014) said, if someone wants to apply for the biometric payment, which just need three procedures: scanning fingerprint, processing data and Biometric authentication enabled.
(Figure 2: Biometrics Technology (Capt 2015))
It is the most significant that biometrics enhance security like fraud reduction, strong new CVM (contingent valuation method), PIN (personal identification number) replacement or Biometric PIN and Match-on-card, and it is convenient as natural use and unforgettable.
Apply Pay still do not leave digital and internet technology, however, it the most characteristic is fingerprint identification to finish payment. Apple pay like wireless payment, just put the phones near the POS (Point of Sale) machines, but wireless payment does not need any PIN. If you pay the bills through the Apple Pay, you do not worry about your personal details are stole, because your card number is never stored on your device, and your personal information is never transmitted or shared with merchants. (Apple Pay, 2015) Due to customers finish the consumptions through the Apple Pay, they must need use their fingers on Touch ID, which enhance the security a lot.
(Source 5:iPhone – Guided Tour: Apple Pay (Apple 2015))
Compare and Development
Compare with electronic payment system, biometric payment system improves some new, special and unparalleled features, for example, everyone has a unique identification, individual do not worry about forget or lose their cards or wallets, biometric identification can help people who cannot understand or know the words to use technologies, if the thieves steal persons’ phones or cash, they still cannot use these money, other people cannot use payment due to biometric identification, when public want to application the biometric payment system they must approach a large number of real personal details like name, phone, ID, etc. and it is important that biometric payment system can create a thorough and credible information system.
Biometric identification technology helps a part of public who have low education background or do not understand any rules participate in the Web 2.0 or Digital era. Before biometric payment system, a part of elders is not willing to use Internet technologies, because they think they cannot remember or understand various of rules and PINs, and some low education background people are worry about if they pay the bills via electronic payment, maybe lawbreakers will copy their bank or personal details. At the same time, a large number of banks or merchants lose these people’s consumptive hobbies under the Big Data Era.
As known as the modern society is a Big Data society, an increasing number of plans, payments, contracts and making an appointment must through the Internet or digital equipment, nevertheless, if the part of low education background public or elder have no idea about kinds of online software or social media, which make these people will not join the Digital Information Society. Building further on the problem, if these persons have no jointed the Digital Age, they will have no digital identities. Then they will no enjoy the benefits of Digital Age, there are some examples can illustrate the issue. The first example is if they use traditional payment to finish their consumptions, they must carry a lot of cash, which enhances the risks of being stole or robbed to a certain extent. The following example is convenience. When the citizens use the online equipment, they can shop, pay the bill and book tickets etc. at everywhere and any time. Last but not least, if they do not joint the Digital Information Society, they will not understand the convenience of the Digital Age, and it will lead to some gaps with the younger generation, because they have no common language and live style.
As is known to whole the world, the Chinese Spring Festive is the most important festive in China. Since 24 December 2011, Ministry of Transport of the People’s Republic of China implemented that if all travellers want to book the tickets before, it must through the railway computer booking network. Before this, everyone should know over one hundred billion people need to back their hometowns through kinds of vehicles every year. As the website of Ministry of Transport of the People’s Republic of China (2015) showed, there were 2.809 billion people back homes at 2015, and it enhanced 3.5% compare with last year. There are 295 million people choose railway transport, 2.422 billion people choose highway transport, 42.84 thousand people choose waterway transport, and 49.12 thousand people through airplane back home. Above all the sources, it expends the important of the Big Data in the modern society. If these people do not order the tickets online or express any digital identities, the transport department will not give a perfect plan to deal with the amounts of people. Another thing that must know that most of workers who have lower education, they always have no idea about the electronic equipment or online software. If the transport department lack the data of these people, it will not predict the travel trends. Absolutely there are other aspects. Everyone has their own digital identities, which make the medical department knows what kind of disease is high incidence at some areas, which can give a better medical plan to distribute doctors’ or drugs’ resources.
Take above all factors consider, it is clear know that most of citizens live in the modern society cannot lack the electric network. Digital Identity is not easy for the social merchants or government department gain public information, but also make persons’ daily lives easier than before, meanwhile, there will have more perfect and practical plans for people. With the development of Web 2.0, electronic technology is no satisfied with the whole public, everyone wants to have a digital identity, and everyone wants to join the Digital Age. The security of Electronic Identification Technology has been queried, so the more convenient, safety and tracking Biometric Identification Technology has appeared.
In the further, the development of Biometric Identification Technology will have more new channel to express digital identity, such as DNA, Iris, Face, Retina, Ear, Vein, Palm-shaped, Voice, Signature and Gain. Absolutely, whether it is electronic technology or biotechnology, it not only in the payment system, and will change more aspects of life as security access control system and intelligent housekeeper system etc. because of Digital Identity. Then there will be more and more people have their own digital identities, and these identities will more clearer and security.
Apple. (2015). iPhone – Guided Tour: Apple Pay. Available at: https://www.youtube.com/watch?v=ez-2M3C_4wU&feature=youtu.be [Accessed 17 Nov. 2016].
AuthorizeNet, (2014). How Credit Card Payments Work. Available at: https://www.youtube.com/watch?v=gG5kLlfZcik&feature=youtu.be [Accessed 17 Nov. 2016].
Capt Awal, (2015). [image] Available at: http://www.slideshare.net/astract/biometrics-technology-by-capt-awal [Accessed 17 Nov. 2016].
Cover, R (2015) Chapter 1: Understanding Identity Online: Social Networking, in Digital identities: creating and communicating the online self, Amsterdam: Academic Press, pp. 1 – 27
Mot.gov.cn. (2015). 中华人民共和国交通部运输部 － Ministry of Transport of the People’s Republic of China. [online] Available at: http://www.mot.gov.cn [Accessed 20 Nov. 2016]
PinnacleCart, (2012). Understanding Online Payments. Available at: https://www.youtube.com/watch?v=gG5kLlfZcik&feature=youtu.be [Accessed 17 Nov. 2016].
Safran Identity & Security, (2014) Pay with your fingerprint: biometrics for authentication & transactions. Available at: https://www.youtube.com/watch?v=TuwOjqLlyjA&feature=youtu.be [Accessed 17 Nov. 2016].
Shamos, M 2004.Electronic payment systems. Address http://euro.ecom.cmu.edu/program/courses/tcr763/. [Accessed on 18 October 2013.]
Teaching & Learning Innovations CSUCI, (2015). What is a digital identity? Available at: https://www.youtube.com/watch?v=uJzuDcyR0WM&feature=youtu.be [Accessed 17 Nov. 2016].