隨著科技的不斷發(fā)展和創(chuàng)新，無接觸支付方式已經(jīng)成為人們生活中不可或缺的一部分。這種便捷、高效的支付方式正在逐漸改變著傳統(tǒng)信用卡領(lǐng)域，并且?guī)砹嗽S多令人振奮的全新進(jìn)展。

作為一項(xiàng)引起廣泛關(guān)注和熱議的話題，無接觸支付方式在信用卡行業(yè)內(nèi)正迅速嶄露頭角。據(jù)最新數(shù)據(jù)顯示，在過去幾年里，越來越多銀行機(jī)構(gòu)開始積極推動(dòng)并應(yīng)用無接觸技術(shù)到他們所提供服務(wù)之中。

首先, 由于消費(fèi)者對(duì)安全性和方便性日益增長(zhǎng)需求, 很多大型金融機(jī)構(gòu)紛紛加入到支持NFC（Near Field Communication）技術(shù)付款方法上. 這意味著用戶可以通過簡(jiǎn)單地將智能手機(jī)或其他設(shè)備靠近POS終端完成交易而不需要實(shí)際插入任何物理卡片.

與此同時(shí), 在數(shù)字化轉(zhuǎn)型浪潮下, 越來越多基于云計(jì)算及區(qū)塊鏈等前沿科技手段打造出更安全穩(wěn)定、功能更強(qiáng)大且體驗(yàn)感更佳得移動(dòng)端APP也相繼問世. 用戶只需下載相關(guān)App進(jìn)行開戶認(rèn)證后即可享受快速輕松地線上申請(qǐng)辦理各類財(cái)務(wù)產(chǎn)品以至直銷商城購(gòu)物結(jié)賬等諸如此類操作.

除了以上兩點(diǎn)外, 普遍采取兼容Visa PayWave 和 MasterCard PayPass 等標(biāo)準(zhǔn)規(guī)范設(shè)計(jì)制造廉價(jià)小巧笨重度較低耗電量微功率芯片組件被集成功夾層式塑料身份介質(zhì)背面從而使其具有非常好得抵御水濕汗液紫外線摩擦撕扯穿刺壓力沖擊放射碰撞阻燃自愈再利用原因特色優(yōu)劣余量補(bǔ)償穩(wěn)態(tài)參數(shù)響應(yīng)靈敏度頻寬失真程度誤碼率工時(shí)壽命環(huán)境適應(yīng)能力等屬性要素.

然而，雖然這些看似美好前景背后隱藏問題值得深思. 隨之產(chǎn)生可能導(dǎo)致個(gè)人信息保密泄漏風(fēng)險(xiǎn)網(wǎng)絡(luò)攻擊欺騙惡意軟硬件篡改竄改復(fù)制拒止服勒索囚禁濫權(quán)監(jiān)聽監(jiān)視跟蹤剝削掠奪暴亂懲罰謀反策反戰(zhàn)爭(zhēng)間諜情報(bào)派系斗毆賭錢毒品黑市私運(yùn)走私傾銷資本主義專政法西施民族清明節(jié)祝士底堂社會(huì)公約國(guó)家元首聯(lián)合聲明氣象預(yù)警通告布告發(fā)布審查檢查更新修訂修改解釋執(zhí)行管理落實(shí)組織指導(dǎo)評(píng)估考核監(jiān)管調(diào)整處置處理回收聘請(qǐng)委托代表競(jìng)選投票選立登記參與言論示威游行罷工停當(dāng)鬧事事件案例現(xiàn)場(chǎng)錄音錄像記錄留存流通使用共享查詢比對(duì)匹配校驗(yàn)驗(yàn)證確認(rèn)溯源溯流鎖定追責(zé)歸還退換刪除注銷模板樣張格式內(nèi)容文字圖形聲音視頻影像文件檔案條目標(biāo)題頁(yè)簽章編號(hào)日期來源作者單位郵址電話網(wǎng)址鏈接IP地址MAC號(hào)IMEI序列密碼口令PIN碼PAN號(hào)CVV2 CVC2 CID CVN CSC RFID UID TID SID EPC IMSI IMEI SIM ICC ID SN IC GUID UUID PUID SSID BSSID QoS GPS LBS UE SR BS RNC SGSN GGSN MSC HLR VLR AuC EIR CG IN SCP SMSC MMSC MGW SGW PCRF PGW ePDG MME MVNO SP DP CP AP EP FCP VP IPX DNS DHCP HTTP HTTPS FTP SMTP POP3 TCP UDP SIP XMPP RTP RTSP IEEE IETF ITU-T ISO/IEC ANSI NIST FCC CE EN UL CSA RoHS WEEE REACH JIS AISIN DIN GB/T JB/T QB/T HG/T YB/YD AT&T IBM HP SAP Oracle Cisco Apple Google Microsoft Amazon Facebook Twitter Yahoo YouTube LinkedIn PayPal Ant Financial Alipay WeChat Tenpay Huawei ZTE Xiaomi Vivo Oppo OnePlus Lenovo TCL Coolpad Meizu Hisense Haier Changhong Konka Skyworth Panda Sharp Toshiba Sony Panasonic LG Samsung HTC Nokia Motorola Philips Bose Harman Kardon JBL Bang & Olufsen Beats AKG Sennheiser Shure Beyerdynamic Audio-Technica Grado Skullcandy Monster Marshall Ultimate Ears Sonos Yamaha Denon Onkyo Pioneer Teac Nakamichi Kenwood Technics Sansui Accuphase Luxman McIntosh Marantz Quad Thorens Rega SME Clearaudio Dual Ortofon Sumiko Dynavector Goldring Nagaoka Transfiguration Koetsu Shelter Lyra Benz Micro Soundsmith Audeze Stax HiFiMan Final DITA Focal Ultrasone Grado Etymotic Westone Astell&Kern iRiver Cayin Fiio Shanling Questyle Chord Hugo Mojo Ak380 Kann X5s Plenue Rimowa Samsonite American Tourister Delsey Briggs & Riley Travelpro Victorinox Wenger Tumi Hartmann Lipault Lojel Ebags Eastpak JanSport Herschel Supply Co Sandqvist Incase Crumpler Timbuk2 Chrome Industries Pacsafe Osprey Gregory Deuter Kelty Mammut Arc'teryx Mountain Hardwear The North Face Patagonia Columbia Jack Wolfskin Berghaus Salomon La Sportiva Scarpa Vasque Lowa Merrell Keen Oboz Hanwag Tecnica Asolo Salewa Black Diamond Petzl Beal Edelrid Mammut Sterling Singing Rock Metolius Trango Camp Cassin Fixe Kong Climbing Technology Julbo Smith Optics Rudy Project Oakley Ray-Ban Costa del Mar Maui Jim Arnette Bolle Serengeti Kaenon Revo Electric VonZipper Dragon Alliance Spy Optic Under Armour Nike Adidas New Balance Saucony Puma ASICS Mizuno Brooks Diadora Lotto Umbro Li-Ning Peak Anta And1 Converse Skechers Timberland Caterpillar Dr Martens Red Wing Wolverine Lacoste Polo Ralph Lauren Tommy Hilfiger Calvin Klein Diesel Levi's Wrangler Lee Pepe Jeans Guess Esprit Benetton United Colors of Benetton Desigual Mango Zara Massimo Dutti Pull&Bear Stradivarius Bershka Oysho Uterque Tempe Adolfo Dominguez Camper Geox Clarks Crocs Birkenstock Havaianas Rider Havainas Reef Teva Keen Chaco Sanuk Luna Bedrock Earth Runner Unshoes GladSoles Shamma Invisible Shoes Soft Star Shoes Vivobarefoot Lems Skora Altra Topo Athletic Newton Running ON Cloud Montrail Inov-8 Icebug Scott La Sportiva Dynafit Salewa Millet Haglofs Montane Rab Sherpa Adventure Gear Paramo Lowe Alpine Vaude Bergans Norrona Dale of Norway Klattermusen Lundhags Tierra Finisterre Nikwax Woolrich Canada Goose Nobis Moose Knuckles Parajumpers Pyrenex Mr&Mrs Italy Army by Yves Salomon Save the Duck Quartz Co Triple Fat Goose Soia&Kyo Kanuk Arctic Bay OSC Cross McGregor Point Zero Noize Nuage Sicily Clothing Andrew Marc Schott NYC Cockpit USA Alpha Industries Blauer USA Spiewak Pendleton Woolrich Filson Johnson Levis Strauss Carhartt Dickies Wrangler Key Imperial Round House Pointer Brand Stan Ray Walls Liberty Big Bill Tough Duck Viking Work King Mechanix Wear Ironclad Sealskinz Youngstown Glove Company Swany Outdoor Research Dakine Burton Level Flylow Arc'teryx Mountain Equipment Black Diamond Ortovox Pieps ABS Lawinenairbag Backcountry Access Snowpulse Highmark MSR Therm-a-Rest Platypus SealLine PackTowl Cascade Designs Camelbak Katadyn Steripen First Need Sawyer LifeStraw Grayl Hydro Flask Yeti Rtic Stanley Contigo Klean KanteemiiR Avex Polar Bottle Nathan Hydrapack Source WaterBeast Aquabot Gerber Leatherman SOG CRKT Benchmade Buck Knives Opinel Morakniv Swiss Army Knife Cold Steel Ontario Knife Company KA-Bar Emerson Protech Microtech Chris Reeve Strider Medford Rick Hinderer Spartan Blades Zero Tolerance Surefire Fenix Streamlight Maglite Pelican Princeton Tec Coast LED Lenser Energizer NEBO Lightforce Brinyte Imalent Acebeam Lumintop Manker Convoy SolarForce Jetbeam Nitecore Olight ThorFire EagleTac Zebralight FourSevens XTAR Nextorch TerraLUX Varta Duracell Eveready Kodak Fujitsu Olympus Pentax Ricoh Casio GE Agfa Ansco Rollei Voigtlander Braun Hasselblad Phase One Leaf Sigma Tamron Tokina Cosina Samyang Schneider-Kreuznach Rodenstock Carl Zeiss AG Nikon Canon Sony FujiFilm Panasonic GoPro DJI Insta360 Garmin TomTom Fitbit Suunto Polar Bowflex Schwinn Nautilus NordicTrack Sole Fitness ProForm Horizon Fitness Precor Cybex Matrix Octane TrueFitness Spirit Healthrider Weslo Landice Lifespan Body-Solid PowerBlock Cap Barbell TRX Rip:60 Hyperwear TriggerPoint SKLZ Valeo Altus Bosu Perfect PushUp AbCoaster Total Gym AeroPilates Pilates Power Gym CoreBody Reformer Chair Tower Wonder Yoga Flexibility Stretch Trainer Aerobar Workout Bars Dip Belt Gloves Belts Head Harness Jump Rope Medicine Ball Training Collar Arm Curl Pad Ankle Strap Cable Attachment Chain Extension Handle Grip Plate Rack Weight Stack Selector Pin Spring Clip Clamp Hexagonal Rubber Olympic Standard EZ-Curl Trap Deadlift Safety Squat Lift Cage Platform Jerk Plyometric Box Step Deck Slide Board Agility Cone Marker Speed Resistance Band Loop Tube Ring Hoops Slalom Pole Line Baton Ribbon Wand Flag Twirling Stick Dance Turnboard Pirouette Ballet Foot Stretch Arch Support Elastic Bands Toe Stretcher Massage Roller Spikey Peanut Foam Grid Mini Half Dome Disc Stability Cushion Balance Wedge Board Twist Disk Wobble Air-filled Sit-n-Gym Donut Ball Seat Bucket Barrel Egg Ergonomic Therapy Posture Correction Proprioception Kinesthetic Awareness Exercise Bike Elliptical Trainer Rowing Machine SkiErg Treadmill Stepper Climber Cardio Kickboxing Muay Thai Taekwondo Karate Boxing Wrestling BrazilianJiu-Jitsu KravMaga Mixed Martial Arts MMA Judo Aikido Capoeira TaiChi Qi Gong Bagua XingYi Shaolin Wing Chun Jeet Kun Do Silat Savate Eskrima Canne de Combat Bartitsu Bojutsu Kendama Naginata Calisthenic Street Workout Parkour FreeRunning Tricking Slacklining Acrobatics Trickline Cornhole Badminton Racquetball Handball Table Tennis Pickleball Volleybal Beach Soccer Rugby Football Hockey Cricket Basketball Netball Baseball Golf Frisbee Bowling Shuffleboard Lawn Croquet PaintBall Laser Tag Airsoft Shooting Hunting Fishing Scuba Snorkeling Surfboarding Windsurf Kayaking Rafting SUP Wake Skate Longboarding BMX MTB Road Racing Cyclocross Track Triathlon Duathlon Ultramarathon Orienteering Rogaining Decathlon Heptathlon Biathle Modern Pentahlon Quadrathon Trail Obstacle Endurance CrossFit Strong Man Highland Games Scottish Hammer Caber Stone Put Sheaf Weight Overhead Throw Log Farmer Walk Carry Tire Flip Drag Load Distance Run Sprint Relay Wheelchair Marathon Ultra half Quarter Middle Mile Kilometer Meter Yard Lap Length Height Depth Width Thickness Circumference Area Volume Surface Velocity Acceleration Force Pressure Energy Moment Torque Impulse Angular Linear Circular Oscillating Reciprocal Harmonic Period Frequency Amplitude Displacement Angle Slope Gradient Intersect Parallel Perpendicular Tangent Normal Orthogonal Radius Diameter Circumcenter Centroid Orthocenter Incenter Excircle Apothem Median Midpoint Vertex Edge Side Hypotenuse Leg Base Apex Origin Axis Plane Circle Sphere Triangle Square Rectangle Pentagon Hexagon Heptagon Octogon Nonagon Decagn Rhomb Polygon Polyhedron Prism Pyramid Cylinder Cone Hemisphere Tetrahedron Cube Cuboid Rectangular Parallelepiped Regular Isoceles Scalene Obtuse Right Equilateral Isosceles Acute Curvilinear Trapezium Trapezoid Rhomboid Concave Convex Straight Lines Rays Angled Intersection Segment Sector Annulus Crescent Oval Elipse Hyperbole Curve Spiral Helix Knot Moebius Strip Infinity Pattern Tessellation Fractal Mandala Symmetry Reflection Rotation Translation Glide Axial Central Radial Magnitude Absolute Relative Real Imaginary Complex Rational Irrational Prime Composite Odd Even Divisible Factor Multiple Common Greatest Lowest Positive Negative Integer Whole Natural Fraction Decimal Percent Ratio Division Multiplication Subtraction Addition Equality Inequality Variable Constant Function Equation Expression Term Polynomial Binomial Multivariate Quandratric Linear Radical Exponential Logarithmic Sinusoidal Differential Integral Derivative Limit Continuity Differentiability Rate Change Growth Decay Inflection Stationary Minimum Maximum Critical Local Global Extrema Optimization Lagrange Error Root Solution Modulo Congruence Induction Deduction Proof Corollary Lemma Proposition Theorem Axiom Postulate Conjecture Refutation Contrapositive Counterexample Argument Conclusion Premise Assumption Valid Invalid Sound Fallacy Logical Reasonable Consistent Coherent Relevant Adequate Persuasive Compelling Cogent Rigorous Empirical Intuitive Pragmatic Abstract Concrete Formal Informal Symbolism Semantics Syntax Grammar Morphology Phonetics Phonology Lexicon Etymology Stylistics Pragmatics Sociolinguistics Psycholinguistics Neurolinguistic Anthropological Computational Mathematical Statistical Quantum Atomic Nuclear Particle Astrophysical Planetary Stellar Galactic Cosmic Evolutionary Paleontological Archaeological Ethnographical Biological Zoological Ecological Environmental Physical Chemical Geological Meteorlogical Oceanographic Atmospheric Astronomical Psychological Social Political Economic Legal Cultural Religious Linguistical Educational Pedagogical Methodologocial Didactic Communicative Interactive Participatory Collaborative Cooperative Inquiry-based Problem-based Case-based Game-Based Simulation Virtual Augmented Reality Multimedia Online Offline Mobile Digital Analog Hybrid Open Closed Flexible Adaptive Personalized Individualized Tailored Customized Modular Integrated Bottom-up Top-down Horizontal Vertical Holistic Reductionistic Analytical Synthetic Systematic Strategic Tactical Operational Functional Structural Behavioral Cognitive Constructivist Connectivist Humanistic Behavioralist Developmentalist Progressivist Essentialist Perennialist Reconstructionnist Existential Phenomenologist Positivist Interpretive Hermeneutic Comparative Historical Experimental Exploratory Confirmatory Descriptive Predictive Prescriptive Normative Evaluative Emancipator Action Research Paradigm Model Theory Framework Conceptualization Operationalization Measurement Sampling Survey Interview Observation Experiment Focus Group Delphi Technique Content Analysis Document Text Image Speech Video Artifact Reliability Validity Generalizability Transferability Dependability Trustworthiness Authenticity Credibility Neutrality Objectivity Subjectivity Bias Confounding Covariate Control Random Assignment Manipulation Treatment Independent Dependent Moderating Mediating Conditional Interaction Effect Size Confidence Interval Significance Probability Type I II III IV Error ANOVA Regression Logistic Discriminant Canonical MAN