{"id":35273,"date":"2019-10-31T22:03:22","date_gmt":"2019-10-31T19:03:22","guid":{"rendered":"https:\/\/prohoster.info\/blog\/pravda-o-beskontaktnyh-platezhah-v-fitnes-brasletah\/"},"modified":"2019-10-31T22:03:22","modified_gmt":"2019-10-31T19:03:22","slug":"pravda-o-beskontaktnyh-platezhah-v-fitnes-brasletah","status":"publish","type":"post","link":"https:\/\/prohoster.info\/cs\/blog\/administrirovanie\/pravda-o-beskontaktnyh-platezhah-v-fitnes-brasletah","title":{"rendered":"Pravda o bezkontaktn\u00edch platb\u00e1ch ve fitness n\u00e1ramc\u00edch","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<p>Ahoj, Habr.<\/p>\n<p>V posledn\u00ed dob\u011b se pom\u011brn\u011b \u010dasto setk\u00e1v\u00e1m s nepochopen\u00edm rusk\u00fdch u\u017eivatel\u016f ohledn\u011b bezkontaktn\u00edch plateb v levn\u00e9 nositeln\u00e9 elektronice a role NFC \u010dipu v t\u00e9to funk\u010dnosti.<\/p>\n<p>\nVelkou roli v tom hraj\u00ed r\u016fzn\u00e1 zpravodajsk\u00e1 m\u00e9dia, jejich\u017e auto\u0159i bezmy\u0161lenkovit\u011b (nebo \u00famysln\u011b, ob\u011btuj\u00edce proklik\u016fm) kop\u00edruj\u00ed jeden druh\u00e9ho a vym\u00fd\u0161lej\u00ed zaj\u00edmav\u00e9 vychyt\u00e1vky. Situaci zhor\u0161uj\u00ed ozn\u00e1men\u00ed nov\u00fdch za\u0159\u00edzen\u00ed, jako je Xiaomi Mi Band 4, a zpr\u00e1vy o brzk\u00e9m p\u0159\u00edchodu platebn\u00edho syst\u00e9mu Xiaomi Mi Pay do Ruska ve spolupr\u00e1ci s MasterCard.<br \/>\nT\u00edmto p\u0159\u00edsp\u011bvkem bych cht\u011bl rozpt\u00fdlit nepochopen\u00ed, kter\u00e9 se v runetu k tomuto t\u00e9matu vytvo\u0159ilo. <br \/>\n<noindex><a rel=\"nofollow\" name=\"habracut\"><\/a><\/noindex><\/p>\n<p>V sou\u010dasnosti lze bezkontaktn\u00ed platbu na pokladn\u011b pomoc\u00ed NFC prov\u00e1d\u011bt pouze pomoc\u00ed n\u011bkolika typ\u016f za\u0159\u00edzen\u00ed: <\/p>\n<ul>\n<li>Apple Watch s Apple Pay; <\/li>\n<li>Chytr\u00e9 hodinky na b\u00e1zi opera\u010dn\u00edho syst\u00e9mu od Google (Android Wear, Wear OS) s podporou Google Pay; <\/li>\n<li>Chytr\u00e9 hodinky od Samsungu na Tizen OS se syst\u00e9mem Samsung Pay;<\/li>\n<li>Fitbit Pay (nefunguj\u00edc\u00ed v Rusku) a mo\u017en\u00e1 je\u0161t\u011b n\u011bkolik dal\u0161\u00edch m\u00e9n\u011b popul\u00e1rn\u00edch variant.<\/li>\n<\/ul>\n<p>\nCelkov\u011b nen\u00ed na trhu tolik takov\u00fdch za\u0159\u00edzen\u00ed a hlavn\u011b cena pro mnoh\u00e9 bude m\u00ednusem p\u0159i v\u00fdb\u011bru, vedle mal\u00e9 v\u00fddr\u017ee. <\/p>\n<p>P\u0159ed p\u00e1r lety se na trhu r\u016fzn\u00fdch fitness n\u00e1ramk\u016f a poloud\u011blan\u00fdch hodinek za\u010daly objevovat modely s NFC \u010dipem. Tehdy to za\u010dalo\u2026 Novin\u00e1\u0159i matou lidi mo\u017enost\u00ed bezkontaktn\u00ed platby pomoc\u00ed Alipay, ani\u017e by rozum\u011bli, jak to funguje, slibuj\u00ed brzk\u00fd p\u0159\u00edchod mobiln\u00edch plateb na ka\u017ed\u00e9 z\u00e1p\u011bst\u00ed. Ale ten p\u0159\u00edchod st\u00e1le nen\u00ed. U\u017eivatel\u00e9 cht\u011bj\u00ed v\u011b\u0159it, \u017ee u\u017e brzy nahrad\u00ed jejich levn\u00fd Mi Band 3, pe\u010dliv\u011b zakoupen\u00fd ve verzi s NFC, pen\u011b\u017eenku. Ale bohu\u017eel.<\/p>\n<p><\/p>\n<p>P\u0159eva\u017euj\u00edc\u00ed v\u011bt\u0161ina t\u011bchto gadget\u016f se vyr\u00e1b\u00ed v \u010c\u00edn\u011b pro dom\u00e1c\u00ed trh. Mnoh\u00e9 z nich s n\u00e1sledn\u00fdm vstupem na glob\u00e1ln\u00ed trh. Jak si tedy vedou bezkontaktn\u00ed platby na dom\u00e1c\u00edm trhu \u010c\u00edny? Zde je t\u0159eba vyzdvihnout dv\u011b technologie:<\/p>\n<p><\/p>\n<p><b>1.<\/b> Platba pomoc\u00ed QR k\u00f3du nebo \u010d\u00e1rov\u00e9ho k\u00f3du. To je realizace, kterou \u010c\u00ed\u0148an\u00e9 pou\u017e\u00edvaj\u00ed na ka\u017ed\u00e9m kroku. Podstatou je n\u00e1sleduj\u00edc\u00ed. Prakticky ka\u017ed\u00fd u\u017eivatel m\u00e1 u sebe smartphone. Na smartphonu, s pravd\u011bpodobnost\u00ed 99,9 %, je nainstalov\u00e1na \"v\u00edce ne\u017e jen messenger\" WeChat, se sv\u00fdm elektronick\u00fdm portmonkou, nebo aplikace Alipay \u2013 praktick\u00fd elektronick\u00fd bankovn\u00ed syst\u00e9m od Alibaba group. Pro platbu na pokladn\u011b pomoc\u00ed t\u011bchto aplikac\u00ed na smartphonu existuj\u00ed dva zp\u016fsoby. Poj\u010fme si je p\u0159ibl\u00ed\u017eit.<\/p>\n<p><\/p>\n<p><b>1.1<\/b> U\u017eivatel skenuje QR k\u00f3d prod\u00e1vaj\u00edc\u00edho pomoc\u00ed fotoapar\u00e1tu smartphonu. Zad\u00e1v\u00e1 pot\u0159ebnou \u010d\u00e1stku, nebo je ji\u017e za\u0161ifrov\u00e1na v QR k\u00f3du prod\u00e1vaj\u00edc\u00edho. Pot\u00e9 potvrzuje transakci (heslem nebo biometricky). Pen\u00edze jsou okam\u017eit\u011b ode\u010dteny z pen\u011b\u017eenky kupuj\u00edc\u00edho ve prosp\u011bch prod\u00e1vaj\u00edc\u00edho. Tento zp\u016fsob nem\u016f\u017ee b\u00fdt pou\u017eit na n\u00e1ramku, kv\u016fli absenci kamery. <\/p>\n<p><\/p>\n<p><b>1.2 <\/b>U\u017eivatel ukazuje prod\u00e1vaj\u00edc\u00edmu sv\u016fj QR\/\u010d\u00e1rov\u00fd k\u00f3d, vygenerovan\u00fd aplikac\u00ed-pen\u011b\u017eenkou. Prod\u00e1vaj\u00edc\u00ed \u201enaskenuje\u201c jeho ru\u010dn\u00edm pokladn\u00edm skenerem. \u010c\u00e1stka je tak\u00e9 okam\u017eit\u011b ode\u010dtena ve prosp\u011bch prod\u00e1vaj\u00edc\u00edho. Co pot\u0159ebuje za\u0159\u00edzen\u00ed-plat\u00edc\u00ed? To, co m\u00e1, je displej a trochu inteligence. Tento zp\u016fsob platby byl proto realizov\u00e1n za pomoci Alipay. Podporovan\u00e9 nositeln\u00e9 za\u0159\u00edzen\u00ed je spojeno s aplikac\u00ed Alipay. V pen\u011b\u017eence pro n\u011bj je vytvo\u0159en samostatn\u00fd bezpe\u010dn\u00fd \u00fa\u010det (s limitem na platby). Za\u0159\u00edzen\u00ed m\u00e1 p\u0159i\u0159azenu a zavedenu statickou dvojici k\u00f3d\u016f (QR a \u010d\u00e1rov\u00fd). Platba d\u00e1le prob\u00edh\u00e1 offline, bez \u00fa\u010dasti smartphonu. Transakce jsou p\u0159en\u00e1\u0161eny na <a class=\"wpil_keyword_link\" href=\"https:\/\/prohoster.info\/cs\/server\/dts-los-angeles\/\"   title=\"serveru\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"3502\">serveru<\/a> Alipay z pokladny obchodu. Vlastn\u011b, to je jedin\u00e1 metoda platby n\u00e1kup\u016f v obchod\u011b v \u010c\u00edn\u011b prost\u0159ednictv\u00edm podobn\u00fdch za\u0159\u00edzen\u00ed. <\/p>\n<p><\/p>\n<p><b>2.<\/b> Velk\u00fd a mocn\u00fd NFC. Mluvme zde nejen o platb\u00e1ch, ale i o dal\u0161\u00edch mo\u017enostech n\u00e1ramk\u016f s NFC \u010dipem. Za\u010dn\u011bme, samoz\u0159ejm\u011b, s platbami. Co je tu na prvn\u00edm m\u00edst\u011b? Spr\u00e1vn\u011b, Bezpe\u010dnost. Stejn\u00e9 mi-bandy, se sv\u00fdmi slab\u00fdmi kontrol\u00e9ry a levn\u00fdmi NFC \u010dipy, nemohou zajistit rozumnou \u00farove\u0148 bezpe\u010dnosti, aby jim v\u00fdrobce sv\u011b\u0159il emulaci bankovn\u00edch karet sv\u00fdch u\u017eivatel\u016f. Ale, p\u0159epravn\u00ed karta \u2014 to je jin\u00e1 v\u011bc. Na nich obvykle kilobaxy nele\u017e\u00ed. To je vlastn\u011b jedna z hlavn\u00edch c\u00edl\u016f NFC \u010dipu v mi-band podobn\u00fdch trackerech. Podstata je n\u00e1sleduj\u00edc\u00ed. V\u00fdrobce spolupracuje s ve\u0159ejn\u00fdmi dopravci (metro, m\u011bstsk\u00e9 autobusy). V ofici\u00e1ln\u00ed aplikaci, v sekci funkc\u00ed NFC, u\u017eivatel kupuje p\u0159epravn\u00ed kartu pro sv\u016fj n\u00e1ramek. Virtu\u00e1ln\u00ed, samoz\u0159ejm\u011b, ale za skute\u010dnou cenu \u2014 cca 20 j\u00fcan\u016f (~200 K\u010d) nevratn\u00fd depozit a zbytek na z\u016fstatek (\u010d\u00e1stka je na uv\u00e1\u017een\u00ed). Karta se zap\u00ed\u0161e do n\u00e1ramku a d\u00e1le je zcela autonomn\u011b pou\u017e\u00edv\u00e1na k platebn\u00edm \u00fa\u010del\u016fm. Velmi pohodln\u00e9, proto\u017ee k aktivaci nejsou pot\u0159eba \u017e\u00e1dn\u00e9 zbyte\u010dn\u00e9 pohyby, jen p\u0159ilo\u017ete ruku ke \u010dtec\u00edmu za\u0159\u00edzen\u00ed \u2013 a platba je provedena. Kartu je mo\u017en\u00e9 nab\u00edjet tak\u00e9 pohodln\u011b, v aplikaci n\u00e1ramku, s vyu\u017eit\u00edm stejn\u00fdch WeChat nebo Alipay.<\/p>\n<p><\/p>\n<p>Dal\u0161\u00ed funkce, kter\u00e1 doprov\u00e1z\u00ed n\u00e1ramky s NFC \u010dipem \u2014 emulace p\u0159\u00edstupov\u00fdch karet. Funkce je u\u017eite\u010dn\u00e1 a pohodln\u00e1, ale v modern\u00edm \u010c\u00edn\u011b je pom\u011brn\u011b opo\u017ed\u011bn\u00e1. Vysv\u011btl\u00edm pro\u010d. Zaprv\u00e9, NFC pracuje na frekvenci 13,56 MHz. Odpov\u00eddaj\u00edc\u00edm zp\u016fsobem jsou podporov\u00e1ny pouze karty s touto frekvenc\u00ed. Zadruh\u00e9, op\u011bt jde o bezpe\u010dnost. N\u00e1ramek m\u016f\u017ee \u010d\u00edst a spr\u00e1vn\u011b emulovat pouze karty bez \u0161ifrov\u00e1n\u00ed a, jak se uk\u00e1zalo (d\u00edky f\u00f3ru 4pda), d\u00e9lka UID mus\u00ed b\u00fdt 4 bajty. Jinak, i kdy\u017e kartu zkop\u00edrujete, \u010dte\u010dka na vr\u00e1tnici v\u00e1m dve\u0159e neotev\u0159e. Zde se v\u00fdrobci chovaj\u00ed r\u016fzn\u011b. Nap\u0159\u00edklad aplikace MiFit v\u00e1m jednodu\u0161e nedovol\u00ed zkop\u00edrovat nepodporovanou kartu. Ale vlastn\u00ed aplikace n\u00e1ramku Hey+ bez skrupul\u00ed kop\u00edruje v\u0161e, co m\u016f\u017ee, ale nezaru\u010duje spr\u00e1vnou funk\u010dnost. Jak uk\u00e1zala praxe, takto nebezpe\u010dn\u00fd domovn\u00ed telefon nebo vr\u00e1tnici v \u010c\u00edn\u011b je\u0161t\u011b mus\u00edte hledat. J\u00e1 nena\u0161el. <\/p>\n<p><\/p>\n<p>V Rusku se situace z pohledu vyu\u017eit\u00ed jev\u00ed l\u00e9pe. Nap\u0159\u00edklad u\u017eivatel\u00e9 stejn\u00e9ho f\u00f3ra potvrzuj\u00ed bezprobl\u00e9mov\u00e9 fungov\u00e1n\u00ed s pr\u016fchoz\u00ed kartou \u201eMoskvy\u00f3nok\u201c a s n\u011bkter\u00fdmi domofony. <\/p>\n<p><\/p>\n<p>Existuje tak\u00e9 jin\u00e1 zaj\u00edmav\u00e1 mo\u017enost \u2013 vytvo\u0159it \u201e\u010distou\u201c kartu, j\u00edt do spr\u00e1vcovsk\u00e9 spole\u010dnosti a zaregistrovat ji v jejich syst\u00e9mu. Mn\u011b se, bohu\u017eel, z r\u016fzn\u00fdch d\u016fvod\u016f nepoda\u0159ilo to otestovat. Jedn\u00edm z nich mi nedalo \u017e\u00e1dnou \u0161anci \u2013 stejn\u00fd pov\u011bstn\u00fd MiFit od Xiaomi pro vytvo\u0159en\u00ed takov\u00e9 karty po\u017eaduje potvrzen\u00ed identity, a to pomoc\u00ed \u010d\u00ednsk\u00e9ho ID, kter\u00e9 nem\u00e1m. A obecn\u011b \u010d\u00ednsk\u00e1 bezpe\u010dnost nesp\u00ed. Pokud je s n\u00e1ramkem Hey+ tato funkce otev\u0159ena k pou\u017eit\u00ed, MiFit prost\u011b odm\u00edt\u00e1 aktivovat funkce NFC pro \u00fa\u010dty registrovan\u00e9 mimo pevninskou \u010c\u00ednu.<\/p>\n<p><\/p>\n<p>T\u00edmto bych asi skon\u010dil. <\/p>\n<p><\/p>\n<p>V\u0161e v\u00fd\u0161e uveden\u00e9 je zalo\u017eeno na osobn\u00ed zku\u0161enosti a logick\u00fdch z\u00e1v\u011brech z n\u00ed. <\/p>\n<p><\/p>\n<p>A z\u00e1v\u011bry jsou n\u00e1sleduj\u00edc\u00ed: nen\u00ed pot\u0159eba o\u010dek\u00e1vat p\u0159\u00edchod platebn\u00edch syst\u00e9m\u016f v kategorii levn\u00fdch fitness n\u00e1ramk\u016f, ani se zabudovan\u00fdm \u010dipem NFC. I vzhledem k zpr\u00e1v\u00e1m o brzk\u00e9m spu\u0161t\u011bn\u00ed Mi Pay v Rusku. Pokud by se Mi Pay n\u011bkdy v budoucnu objevilo na n\u011bkter\u00e9m z dosud nep\u0159edstaven\u00fdch Mi Band, pak ne d\u0159\u00edve, ne\u017e to otestuj\u00ed na dom\u00e1c\u00edm trhu v \u010c\u00edn\u011b. A o tom zat\u00edm ani nemluv\u011b.<\/p>\n<p><\/p>\n<p>Douf\u00e1m, \u017ee tento \u010dl\u00e1nek bude u\u017eite\u010dn\u00fd pro komunitu a rusk\u00fd internet jako celek. Zdrav\u00e1 kritika je v\u00edt\u00e1na.<\/p>\n<p>Zdroj: <a content=\"nofollow\" rel=\"nofollow\" href=\"https:\/\/habr.com\/ru\/post\/455890\/\">habr.com<\/a><\/p>","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>\u041f\u0440\u0438\u0432\u0435\u0442, \u0425\u0430\u0431\u0440. \u0412 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0435\u0435 \u0432\u0440\u0435\u043c\u044f \u044f \u0434\u043e\u0432\u043e\u043b\u044c\u043d\u043e \u0447\u0430\u0441\u0442\u043e \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u044e\u0441\u044c \u0441 \u043d\u0435\u043f\u043e\u043d\u0438\u043c\u0430\u043d\u0438\u0435\u043c \u0440\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u0438\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u043e\u0442\u043d\u043e\u0441\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0431\u0435\u0441\u043a\u043e\u043d\u0442\u0430\u043a\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0434\u0435\u0448\u0435\u0432\u043e\u0439 \u043d\u043e\u0441\u0438\u043c\u043e\u0439 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u0438\u043a\u0435 \u0438 \u0440\u043e\u043b\u0438 NFC \u0447\u0438\u043f\u0430 \u0432 \u0434\u0430\u043d\u043d\u043e\u0439 \u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0438. \u0411\u043e\u043b\u044c\u0448\u0443\u044e \u0440\u043e\u043b\u044c \u0432 \u044d\u0442\u043e\u043c \u0438\u0433\u0440\u0430\u044e\u0442 \u0432\u0441\u0435\u0432\u043e\u0437\u043c\u043e\u0436\u043d\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u043d\u044b\u0435 \u0440\u0435\u0441\u0443\u0440\u0441\u044b, \u0430\u0432\u0442\u043e\u0440\u044b \u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0431\u0435\u0437\u0434\u0443\u043c\u043d\u043e (\u0438\u043b\u0438 \u0436\u0435 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u043e, \u0432 \u0436\u0435\u0440\u0442\u0432\u0443 \u043a\u043b\u0438\u043a\u0431\u0435\u0439\u0442\u0443) \u043a\u043e\u043f\u0438\u043f\u0430\u0441\u0442\u044f\u0442 \u0434\u0440\u0443\u0433 \u0434\u0440\u0443\u0433\u0430, \u0434\u043e\u0434\u0443\u043c\u044b\u0432\u0430\u044f \u0438\u043d\u0442\u0435\u0440\u0435\u0441\u043d\u044b\u0435 \u0444\u0438\u0448\u043a\u0438. \u0421\u0438\u0442\u0443\u0430\u0446\u0438\u044f \u0443\u0441\u0443\u0433\u0443\u0431\u043b\u044f\u0435\u0442\u0441\u044f \u0441 \u0430\u043d\u043e\u043d\u0441\u0430\u043c\u0438 \u043d\u043e\u0432\u044b\u0445 [&hellip;]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[688],"tags":[],"class_list":["post-35273","post","type-post","status-publish","format-standard","hentry","category-administrirovanie"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - 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