本文選題：第三方支付　切入點：指紋支付　出處：《華南理工大學》2015年碩士論文　論文類型：學位論文

【摘要】：指紋具有唯一性,通過指紋數(shù)據(jù)與預先采集的指紋數(shù)據(jù)進行比對,可進行身份識別。指紋識別技術被廣泛應用于支付終端,美國在該方面已有很大的進展,將指紋采集設備放置在連鎖超市,通過指紋進行身份認證和支付。這樣的業(yè)務在提供安全性的同時能夠減少客戶的等待時間,降低商家的交易成本,因而廣受客戶和商家的歡迎,該方式同樣適用于互聯(lián)網(wǎng)上的電子商務支付。反觀國內現(xiàn)狀:一、支付寶錢包7月16日宣布,將在國內率先試驗推出指紋支付。二、商場及食堂餐廳等地方排隊付款已嚴重影響消費者消費的心情,甚至阻止消費者繼續(xù)消費的行為。在不增加服務人員的前提下,POS機指紋支付提高付款效率成為留住顧客的另一途徑,同時解決攜帶卡或現(xiàn)金支付帶來的不便。三、國務院下文支持國內物聯(lián)網(wǎng)的發(fā)展,尤其是移動設備,這將刺激手機等移動支付的快速發(fā)展。中國指紋產業(yè)最大的優(yōu)勢在于龐大的市場,且該產業(yè)具有一定的政策壁壘,很多外資較難以進入。國內企業(yè)有較多的機會,誰能在技術上、業(yè)務模式上取得突破,將在競爭中占有先機。該項目計劃的目標場所:對POS機指紋支付系統(tǒng),一是用于學校飯?zhí)�、工廠飯?zhí)玫饶繕巳巳狠^大且固定地方;二是用于需排隊付款且消費者人群不固定的商場。而手機指紋支付系統(tǒng)主要用于通過手機物聯(lián)網(wǎng)進行購物的地方。目標群體:POS機指紋支付系統(tǒng)用以學生、工人等固定人群,白領等時間成本較大的人群;手機指紋支付用以移動的人群、線上購物的年輕人或辦公室人群;難以記憶、易遺忘密碼的中老年群體。該項目商業(yè)模式為:向商家等提供指紋支付POS機,向手機用戶提供手機終端指紋支付系統(tǒng),當消費者使用該服務后,向商家等收取一定比例的服務費用達到營利目的。該商業(yè)計劃書將在對移動指紋支付內外部環(huán)境進行科學分析的基礎上,研究如何運用創(chuàng)新運營方式、營銷策略來開展業(yè)務,從而為該移動指紋支付項目提供科學合理的指導。
[Abstract]:Fingerprint is unique, it can be identified by comparing fingerprint data with pre-collected fingerprint data. Fingerprint identification technology has been widely used in payment terminals, and the United States has made great progress in this area. The fingerprint acquisition equipment is placed in the supermarket chain to authenticate and pay through the fingerprint. This kind of business can not only provide security but also reduce the waiting time of the customer and reduce the transaction cost of the business. This method is also suitable for e-commerce payments on the Internet. In contrast to the domestic situation: first, Alipay Wallet announced on July 16 that it will take the lead in experimenting with fingerprint payments in China. Queuing up for payment in shopping malls and canteen restaurants has seriously affected consumer spending. Even stop consumers from continuing to consume. Without increasing the number of service personnel, fingerprint payment on POS machines becomes another way to retain customers, while solving the inconvenience caused by carrying cards or cash payments. Below, the State Council supports the development of the domestic Internet of things, especially mobile devices, which will stimulate the rapid development of mobile payments such as mobile phones. The biggest advantage of China's fingerprint industry lies in its huge market, and the industry has certain policy barriers. Many foreign capital is more difficult to enter. Domestic enterprises have more opportunities, who can make a breakthrough in technology, business model, will have the first chance in the competition. First, it is used in school dining hall, factory dining hall and other target population is large and fixed place; Second, it is used in shopping malls that need to line up to pay and the consumer crowd is not fixed. The mobile phone fingerprint payment system is mainly used for shopping through the Internet of things on mobile phones. The target group: POS fingerprint payment system is used for students, workers, and other fixed groups. People with higher time costs, such as white-collar workers; mobile phone fingerprints to pay for mobile people, online shopping young people or office people; hard to remember, The business model of the project is to provide fingerprint payment POS machines to merchants and mobile phone users to provide mobile terminal fingerprint payment system when consumers use the service. The business plan will be based on the scientific analysis of the internal and external environment of mobile fingerprint payment, and will study how to use innovative operation methods and marketing strategies to carry out business. It provides scientific and reasonable guidance for the mobile fingerprint payment project.
【學位授予單位】：華南理工大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.2;F724.6

【參考文獻】

相關期刊論文 前1條

1 陳華平;唐軍;;移動支付的使用者與使用行為研究[J];管理科學;2006年06期

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本文編號：1645641