發(fā)布時(shí)間：2018-03-21 21:37

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

【摘要】：指紋具有唯一性,通過(guò)指紋數(shù)據(jù)與預(yù)先采集的指紋數(shù)據(jù)進(jìn)行比對(duì),可進(jìn)行身份識(shí)別。指紋識(shí)別技術(shù)被廣泛應(yīng)用于支付終端,美國(guó)在該方面已有很大的進(jìn)展,將指紋采集設(shè)備放置在連鎖超市,通過(guò)指紋進(jìn)行身份認(rèn)證和支付。這樣的業(yè)務(wù)在提供安全性的同時(shí)能夠減少客戶的等待時(shí)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(wù)支付。反觀國(guó)內(nèi)現(xiàn)狀:一、支付寶錢(qián)包7月16日宣布,將在國(guó)內(nèi)率先試驗(yàn)推出指紋支付。二、商場(chǎng)及食堂餐廳等地方排隊(duì)付款已嚴(yán)重影響消費(fèi)者消費(fèi)的心情,甚至阻止消費(fèi)者繼續(xù)消費(fèi)的行為。在不增加服務(wù)人員的前提下,POS機(jī)指紋支付提高付款效率成為留住顧客的另一途徑,同時(shí)解決攜帶卡或現(xiàn)金支付帶來(lái)的不便。三、國(guó)務(wù)院下文支持國(guó)內(nèi)物聯(lián)網(wǎng)的發(fā)展,尤其是移動(dòng)設(shè)備,這將刺激手機(jī)等移動(dòng)支付的快速發(fā)展。中國(guó)指紋產(chǎn)業(yè)最大的優(yōu)勢(shì)在于龐大的市場(chǎng),且該產(chǎn)業(yè)具有一定的政策壁壘,很多外資較難以進(jìn)入。國(guó)內(nèi)企業(yè)有較多的機(jī)會(huì),誰(shuí)能在技術(shù)上、業(yè)務(wù)模式上取得突破,將在競(jìng)爭(zhēng)中占有先機(jī)。該項(xiàng)目計(jì)劃的目標(biāo)場(chǎng)所:對(duì)POS機(jī)指紋支付系統(tǒng),一是用于學(xué)校飯?zhí)�、工廠飯?zhí)玫饶繕?biāo)人群較大且固定地方;二是用于需排隊(duì)付款且消費(fèi)者人群不固定的商場(chǎng)。而手機(jī)指紋支付系統(tǒng)主要用于通過(guò)手機(jī)物聯(lián)網(wǎng)進(jìn)行購(gòu)物的地方。目標(biāo)群體:POS機(jī)指紋支付系統(tǒng)用以學(xué)生、工人等固定人群,白領(lǐng)等時(shí)間成本較大的人群;手機(jī)指紋支付用以移動(dòng)的人群、線上購(gòu)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(xiàng)目商業(yè)模式為:向商家等提供指紋支付POS機(jī),向手機(jī)用戶提供手機(jī)終端指紋支付系統(tǒng),當(dāng)消費(fèi)者使用該服務(wù)后,向商家等收取一定比例的服務(wù)費(fèi)用達(dá)到營(yíng)利目的。該商業(yè)計(jì)劃書(shū)將在對(duì)移動(dòng)指紋支付內(nèi)外部環(huán)境進(jìn)行科學(xué)分析的基礎(chǔ)上,研究如何運(yùn)用創(chuàng)新運(yùn)營(yíng)方式、營(yíng)銷(xiāo)策略來(lái)開(kāi)展業(yè)務(wù),從而為該移動(dòng)指紋支付項(xiàng)目提供科學(xué)合理的指導(dǎo)。
[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(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2;F724.6

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

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

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本文編號(hào)：1645641