指纹支付进军全国 Fingerprint payment to enter the country

　　新快报讯 记者 韩桢 报道 凭自己的指纹购买电影票、吃饭、买衣服这些在电影里出现的场景已开始步入我们的生活。据悉，市民只要将指纹信息跟银行账户绑定，消费时只需在类似POS机的支付终端上按下绑定的手指并输入身份识别码即可完成付款，这就是所谓的“指纹支付”。这项由上海点佰趣信息科技有限公司与合作银行联合为个人用户推出的凭指纹无密码的电子支付业务，也是国内唯一以指纹支付为卖点的支付方式。深耕上海数年后，近日，“指付通”正式进军广州市场。据悉，“指付通”拥有央行颁发的第三方支付牌照，预计今年实现10个城市的全国布局，广州将是该业务推广的重点城市。

New express reporter Han Zhen reported by our own fingerprints to buy tickets to the theatre/To eat/Buy clothes in these scenes of the movie has begun to enter our lives.It is understood,As long as the fingerprint information and bank account,Only when the consumer in similar POS payment terminal on the finger of the press binding and input pins can complete the payment,This is the so-called"Fingerprint payment".By the point or interesting information technology co., LTD. And Shanghai cooperation bank jointly launched by the fingerprint for individual users password-less electronic payment business,Also is domestic only paid in fingerprint for selling point of payment.Deep Shanghai a few years later,In recent days,"Refers to the FuTong"Formally enter the market in guangzhou.It is understood,"Refers to the FuTong"With third-party payment of license issued by the bank,Is expected to achieve 10 cities across the country this year layout,Guangzhou will be the key cities for the business promotion.

　第三方支付方式不断创新 The third party payment method innovation

　　指纹难以被盗取安全性更高 The fingerprint is hard to stolen personal security is higher

　　目前，第三方支付已渗透生活的各个方面。2012年，财付通携手微信推出“O2O微支付”，作为全球最大的在线支付提供商PayPal 也于2012年正式推出PayPal 境外直购平台“无境购”，精选全球PayPal 商户，并提供海量境外商品搜索功能，让海淘更省心。

At present,Third-party payment is penetrating every aspect of life.In 2012,,Choi FuTong micro letter out hand in hand"O2O micropayments",As the world's biggest online payment provider PayPal also officially launched in 2012 PayPal overseas direct purchase platform"No entry for",Select PayPal merchants around the world,Search functionality and provide huge amounts of foreign goods,Let hai tao worry more.

　　第三方支付最大的共同优点在于方便，但安全性也一直被人质疑，如手机支付、网络支付都会存在安全隐患，而随着“指付时代”的来临，指纹支付也让支付在快捷基础上更为安全。2009年就在上海正式推出“指付通”品牌的立佰趣公司，已与中国银联合作向所有带银联标识的银行卡开通指纹支付应用，30秒内按压指纹并刷卡一步完成。“指付通”仅对具有生命特征的指纹进行识别，也就是说，不要说什么橡胶指模，就算是“断指”都是没用的，完全杜绝了指纹被盗取或仿制的可能性，比其他模式的第三方支付方式安全性更高。

The third party pay the greatest common advantage is convenient,But security has long been questioned,Such as mobile payment/Online payment can pose a safety hazard,And with the"Refers to the pay period"The advent of the,Fingerprint payment also make payment based on fast and more safe.In 2009, officially launched in Shanghai"Refers to the FuTong"Brand of bayi boring company,Have to cooperate with China unionpay to pay all bank card with unionpay logo opening fingerprint application,30 seconds press the fingerprint and charge one step."Refers to the FuTong"Only the life characteristics of fingerprint identification,That is to say,Don't say what kind of rubber mold,even"finger"Are useless,To completely eliminate the possibility of a fingerprint being stolen or copied,Third party payment security is higher than that of the other model.

　引入折扣模式 Introduction of discount model

　　指纹支付份额爆发性增长 Fingerprint payment share explosive growth

　　据介绍，“指付通”的用户将指纹信息跟银行账户绑定，在商家消费时，只需要在类似POS机的支付终端上按下绑定的手指并输入身份识别码就可付款。但这一新型的支付方式很难在短期吸引习惯现金或刷卡消费的市民，于是立佰趣CEO陈晓峰在支付基础上加入了消费折扣业务，以吸引消费者使用指纹支付，同时也为公司开辟新的盈利模式。

According to introducing,"Refers to the FuTong"Binding user fingerprint information with a bank account,When the business consumer,Only need to paid by similar POS terminal on the finger of the press binding and input pins can be payment.But it is a new type of payment cash in the short term, it is difficult to attract habits or brush calorie of consumption of residents,So stand mean boring CEO Chen Xiaofeng joined the consumption on the basis of payment discount business,In order to attract consumers to use fingerprint payment,At the same time open up new profit model for the company.

　　业内人士认为，现在的“指付通”看起来更像是升级加强版的团购：立佰趣先行垫付大笔资金给商家获得较低折扣；指付通用户消费后，商家会把预付款返给立佰趣。同时，立佰趣还可以额外得到10%至20%的折扣价差。而与团购的区别在于，指付通用户不需要提前支付，而是在消费时付款即可。

The personage inside course of study thinks,now"Refers to the FuTong"Looks more like a upgrade version of group buying:Set up hk boring first paying large sums of money to receive a low discount merchants;After refers to FuTong user consumption,Businesses will give made advance payment back to hk.At the same time,Set up hk boring also can get a discount of 10% to 20% additional price difference.Compared with group difference,Refers to FuTong users do not need to pay in advance,But in the consumer when the payment is ok.

　　“指付通”商业事业部与市场部总监陈佳立介绍，如用户去买衣服，VIP打九折，而由于事先低折扣买断一定金额，“指付通”用户可享受比VIP更多的折扣。同样，在广州，“指付通”先行买断酒店一定的房间，用户去住店直接致电，无需任何代理，就可享受比代理价更为优惠的协议价。据了解，截至2012年底，“指付通”用户总数已达80万人，通过指付通平台每年交易的总额在1.6亿元左右，主要以餐饮、休闲娱乐、美容美发和服饰这些消费频次较高的行业为主。

"Refers to the FuTong"Commercial department and Marketing Department director Chen Jiali is introduced,If user to buy clothes,VIP nine discount,Due to low discount to buy a certain amount in advance,"Refers to the FuTong"Users can enjoy more than the VIP discount.The same,In guangzhou,"Refers to the FuTong"Leading to buy hotel room,User to contact hotel directly,Without any agent,Can enjoy more preferential than agent price negotiated rate.We have learned,By the end of 2012,"Refers to the FuTong"User a total of 800000 people,By referring to the total annual trade of FuTong platform in 160 million yuan,Mainly by the food and beverage/Leisure and entertainment/Beauty and dress the consumption frequency higher industry to give priority to.

　　相关数据指纹支付每年掘金手续费高达243亿元

Relevant data fingerprint payment nuggets fees as high as 24.3 billion yuan a year

　　中国银联数据统计显示，2011年境内银行卡跨行交易笔数和金额分别达64.13亿笔和15.21万亿元，同比分别增长32.3%和45.8%。“指付通”市场部总监陈佳立透露，不考虑每年的复合增长，如果两年后指纹支付达到2011年刷卡量的20%，即3.04万亿元，“指付通”单从交易手续费的收益就可达243亿元（平均费率为0.8%）。

China unionpay data statistics,Collecting inter-bank transactions in 2011, the number and amount of 6.413 billion and 15.21 trillion yuan respectively,Year-on-year growth of 32.3% and 32.3% respectively."Refers to the FuTong"Marketing director Chen Jiali disclosed,Does not take into account the annual compound growth,If two years later, the fingerprint payment reached 2011 20% of the amount of credit card,That is 3.04 trillion yuan,"Refers to the FuTong"From the poundage income alone can amount to 24.3 billion yuan(An average rate of 0.8%).