{"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\/pt\/blog\/administrirovanie\/pravda-o-beskontaktnyh-platezhah-v-fitnes-brasletah","title":{"rendered":"A verdade sobre pagamentos sem contato em pulseiras fitness","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<p>Ol\u00e1, Habr.<\/p>\n<p>Recentemente, tenho me deparado com a falta de compreens\u00e3o dos usu\u00e1rios russos sobre pagamentos por aproxima\u00e7\u00e3o em dispositivos vest\u00edveis baratos e o papel do chip NFC nessa funcionalidade.<\/p>\n<p>\nOs diversos recursos de not\u00edcias t\u00eam grande influ\u00eancia nisso, com autores que, sem pensar (ou propositalmente, em nome do clickbait), copiam uns aos outros, inventando caracter\u00edsticas interessantes. A situa\u00e7\u00e3o se agrava com os an\u00fancios de novos dispositivos, como o Xiaomi Mi Band 4, e as not\u00edcias sobre a chegada iminente do sistema de pagamento Xiaomi Mi Pay na R\u00fassia, em colabora\u00e7\u00e3o com a MasterCard.<br \/>\nCom este post, gostaria de esclarecer a falta de entendimento que se formou na Runet sobre este assunto. <br \/>\n<noindex><a rel=\"nofollow\" name=\"habracut\"><\/a><\/noindex><\/p>\n<p>Atualmente, apenas alguns tipos de dispositivos s\u00e3o capazes de realizar pagamentos por aproxima\u00e7\u00e3o na caixa, utilizando NFC: <\/p>\n<ul>\n<li>Apple Watch com o sistema Apple Pay; <\/li>\n<li>Rel\u00f3gios inteligentes com sistema operacional do Google (Android Wear, Wear OS) que suportam Google Pay; <\/li>\n<li>Rel\u00f3gios inteligentes da Samsung com Tizen OS e sistema Samsung Pay;<\/li>\n<li>Fitbit Pay (n\u00e3o dispon\u00edvel na R\u00fassia) e, possivelmente, mais algumas op\u00e7\u00f5es pouco populares.<\/li>\n<\/ul>\n<p>\nDe maneira geral, n\u00e3o h\u00e1 muitos desses dispositivos no mercado, e, principalmente, o pre\u00e7o deles ser\u00e1 um ponto negativo para muitos ao escolher, al\u00e9m da baixa autonomia. <\/p>\n<p>H\u00e1 alguns anos, modelos com chip NFC come\u00e7aram a surgir no mercado de diversos fitness trackers e rel\u00f3gios semi-inteligentes. Foi a\u00ed que tudo come\u00e7ou... Os jornalistas confundem as pessoas com a possibilidade de pagamentos por aproxima\u00e7\u00e3o atrav\u00e9s do Alipay, sem compreender como isso funciona, prometendo uma r\u00e1pida chegada de pagamentos m\u00f3veis em cada pulso. Mas essa chegada n\u00e3o acontece. Os usu\u00e1rios querem acreditar que, em breve, seu barato Mi Band 3, comprado com anteced\u00eancia na vers\u00e3o com NFC, substituir\u00e1 sua carteira. Mas, infelizmente.<\/p>\n<p><\/p>\n<p>A grande maioria desses gadgets \u00e9 fabricada na China para o mercado interno. Muitos acabam depois no mercado global. Como est\u00e3o as coisas em rela\u00e7\u00e3o aos pagamentos por aproxima\u00e7\u00e3o no mercado interno da China? Aqui, devemos destacar duas tecnologias:<\/p>\n<p><\/p>\n<p><b>1.<\/b> Pagamento por meio de QR ou c\u00f3digo de barras. Essa implementa\u00e7\u00e3o \u00e9 amplamente utilizada na China. A ess\u00eancia \u00e9 a seguinte. Praticamente todo usu\u00e1rio possui um smartphone. No smartphone, com 99,9% de probabilidade, est\u00e1 instalado o \"mais do que apenas um mensageiro\" WeChat, com sua carteira eletr\u00f4nica, ou o aplicativo Alipay \u2014 praticamente um banco eletr\u00f4nico do Alibaba group. Para realizar o pagamento no caixa usando esses aplicativos no smartphone, existem duas maneiras. Vamos analis\u00e1-las.<\/p>\n<p><\/p>\n<p><b>1.1<\/b> O usu\u00e1rio escaneia o c\u00f3digo QR do vendedor com a c\u00e2mera do smartphone. Insere o valor necess\u00e1rio, ou ele j\u00e1 est\u00e1 criptografado no c\u00f3digo QR do vendedor. Em seguida, confirma a transa\u00e7\u00e3o (senha ou biometria). O dinheiro \u00e9 instantaneamente debitado da carteira do comprador em favor do vendedor. Esse m\u00e9todo n\u00e3o pode ser utilizado em uma pulseira, devido \u00e0 aus\u00eancia de c\u00e2mera. <\/p>\n<p><\/p>\n<p><b>1.2 <\/b>O usu\u00e1rio mostra ao vendedor seu c\u00f3digo QR\/c\u00f3digo de barras gerado pelo aplicativo de carteira. O vendedor \"captura\" com seu scanner de caixa manual. O valor tamb\u00e9m \u00e9 debitado instantaneamente em favor do vendedor. O que o dispositivo pagador precisa? O que ele j\u00e1 possui \u2014 uma tela e um pouco de intelig\u00eancia. Portanto, esse m\u00e9todo de pagamento foi implementado com a ajuda do Alipay. O dispositivo vest\u00edvel compat\u00edvel \u00e9 vinculado ao aplicativo Alipay. Na carteira, \u00e9 criado um conta separada e segura para ele (com um limite de pagamento). A ele \u00e9 atribu\u00eddo e instalado um par est\u00e1tico de c\u00f3digos (QR e c\u00f3digo de barras). Depois, o pagamento ocorre offline, sem a participa\u00e7\u00e3o do smartphone. As transa\u00e7\u00f5es s\u00e3o enviadas para <a class=\"wpil_keyword_link\" href=\"https:\/\/prohoster.info\/pt\/server\/dts-los-angeles\/\"   title=\"servidor\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"3502\">servidor<\/a> Alipay a partir do caixa da loja. Na verdade, este \u00e9 o \u00fanico m\u00e9todo de pagamento de compras na loja na China usando dispositivos semelhantes. <\/p>\n<p><\/p>\n<p><b>2.<\/b> O poderoso NFC. Aqui falaremos n\u00e3o apenas sobre pagamentos, mas tamb\u00e9m sobre outras possibilidades dos braceletes com chip NFC. Come\u00e7aremos, claro, pelos pagamentos. O que vem em primeiro lugar? Correto, Seguran\u00e7a. N\u00e3o podem os mesmos Mi Bands, com seus controladores fracos e chips NFC baratos, garantir um n\u00edvel de seguran\u00e7a aceit\u00e1vel, para que o fabricante confie neles para a emula\u00e7\u00e3o de cart\u00f5es banc\u00e1rios de seus usu\u00e1rios. Mas, um cart\u00e3o de transporte \u2013 isso \u00e9 outra hist\u00f3ria. Normalmente, n\u00e3o se encontra grandes quantias nele. Na verdade, esse \u00e9 um dos principais objetivos do chip NFC em rastreadores semelhantes ao Mi Band. A situa\u00e7\u00e3o \u00e9 a seguinte. O fabricante colabora com operadores de transporte p\u00fablico (metr\u00f4s, \u00f4nibus urbanos). No aplicativo oficial, na se\u00e7\u00e3o de recursos NFC, o usu\u00e1rio compra um cart\u00e3o de transporte para seu bracelete. Virtual, claro, mas pelo pre\u00e7o real \u2014 cerca de 20 yuans (~200 rublos) como dep\u00f3sito n\u00e3o reembols\u00e1vel e o restante como saldo (aqui o valor fica a crit\u00e9rio). O cart\u00e3o \u00e9 gravado no bracelete e depois \u00e9 utilizado de forma totalmente aut\u00f4noma para o pagamento da passagem. Muito conveniente, pois n\u00e3o s\u00e3o necess\u00e1rias manobras extras para ativ\u00e1-lo, basta aproximar a m\u00e3o do leitor \u2013 e o pagamento \u00e9 realizado. O cart\u00e3o pode ser recarregado, tamb\u00e9m de forma conveniente, no aplicativo do bracelete, utilizando WeChat ou Alipay.<\/p>\n<p><\/p>\n<p>Outra fun\u00e7\u00e3o que acompanha os braceletes com chip NFC \u2014 a emula\u00e7\u00e3o de cart\u00f5es de acesso. \u00c9 uma fun\u00e7\u00e3o \u00fatil e conveniente, mas, na mesma China, nas realidades modernas, est\u00e1 bastante atrasada. Vou explicar o porqu\u00ea. Primeiro, o NFC opera na frequ\u00eancia de 13,56 MHz. Portanto, s\u00e3o suportados apenas cart\u00f5es com essa frequ\u00eancia. Em segundo lugar, o problema \u00e9 novamente a seguran\u00e7a. O bracelete pode ler e emular corretamente apenas cart\u00f5es sem criptografia e, como foi descoberto (obrigado ao f\u00f3rum 4pda), o UID deve ter 4 bytes de comprimento. Caso contr\u00e1rio, mesmo que voc\u00ea copie o cart\u00e3o, o leitor na entrada n\u00e3o abrir\u00e1 a porta para voc\u00ea. Aqui, os fabricantes agem de maneiras diferentes. Por exemplo, o aplicativo MiFit simplesmente n\u00e3o permitir\u00e1 que voc\u00ea copie um cart\u00e3o n\u00e3o suportado. Mas o aplicativo nativo do bracelete Hey+ copia sem hesita\u00e7\u00e3o tudo o que pode, mas n\u00e3o garante um funcionamento correto. Como mostrou a pr\u00e1tica, um interfone ou portal t\u00e3o inseguro na China ainda \u00e9 dif\u00edcil de encontrar. Eu n\u00e3o encontrei. <\/p>\n<p><\/p>\n<p>Na R\u00fassia, as coisas est\u00e3o melhores em termos de usabilidade. Por exemplo, usu\u00e1rios do mesmo f\u00f3rum confirmam o funcionamento normal do cart\u00e3o de passagem 'Moskvyonok' e com alguns interfones. <\/p>\n<p><\/p>\n<p>H\u00e1 tamb\u00e9m outra possibilidade interessante \u2013 criar um cart\u00e3o 'limpo', ir at\u00e9 a empresa de gerenciamento e registr\u00e1-lo no sistema deles. Infelizmente, n\u00e3o pude testar isso por v\u00e1rias raz\u00f5es. Uma delas n\u00e3o me deixou nenhuma chance \u2013 o famoso MiFit da Xiaomi para criar esse cart\u00e3o pede confirma\u00e7\u00e3o de identidade usando um ID chin\u00eas, o qual n\u00e3o posso obter. E, de modo geral, a seguran\u00e7a chinesa est\u00e1 sempre alerta. Se com a pulseira Hey+ essas fun\u00e7\u00f5es est\u00e3o dispon\u00edveis, o MiFit simplesmente se recusa a ativar as fun\u00e7\u00f5es NFC para contas registradas fora da China continental.<\/p>\n<p><\/p>\n<p>Acho que \u00e9 isso. <\/p>\n<p><\/p>\n<p>Tudo que foi apresentado acima \u00e9 baseado em experi\u00eancia pessoal e conclus\u00f5es l\u00f3gicas a partir dela. <\/p>\n<p><\/p>\n<p>E as conclus\u00f5es s\u00e3o as seguintes: n\u00e3o devemos esperar o surgimento de sistemas de pagamento em dispositivos de rastreamento de fitness baratos, mesmo com o chip NFC integrado. Mesmo com as not\u00edcias sobre o lan\u00e7amento iminente do Mi Pay na R\u00fassia. Se o Mi Pay surgir no futuro em uma das vers\u00f5es ainda n\u00e3o apresentadas do Mi Band, n\u00e3o ser\u00e1 antes que eles o testem no mercado interno da China. E quanto a isso, ainda n\u00e3o h\u00e1 novidades.<\/p>\n<p><\/p>\n<p>Espero que este artigo seja \u00fatil para a comunidade e para a rede russa como um todo. Cr\u00edticas construtivas s\u00e3o bem-vindas.<\/p>\n<p>Fonte: <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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