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为何 Android 支付终端如此受欢迎?
2022年3月31日
博客

 

三位 PAX (百富) 专家分析了 Android 智能支付终端崛起背后的关键因素—如何为收单银行、商户服务供应商及其商户创造价值,以及与传统支付终端相比,Android 智能支付终端具备更高安全性的原因。

 

当 Steve Jobs (史蒂夫.乔布斯) 在 2007 年 1 月 9 日推出第一款 iPhone 时,几乎没有人不想立即将他们的诺基亚或摩托罗拉手机换成闪亮的新款智能手机。 今天,设计外型优雅的 Android 智能支付终端,具有如智能手机的功能,正在迅速取代商户收单世界中陈旧外观的传统支付终端。

 

 

从传统支付终端到 Android 智能支付终端的演变

支付终端已经有近 40 年的历史,但直到最近,新一代支付终端 — 基于 Android 的智能支付终端才面世,引发了一波让许多传统收单银行出其不意的技术浪潮,并为高速发展的支付服务供应商和收单机构提供了赢得商户市场份额的机会。

 

支付终端于 1980 年代首次进入市场,作为独立的台式终端连接到 PSTN 电话线,其唯一目的是电子化处理磁条卡支付。支付终端在 1990 年代和 2000 年代发展起来,包括在无线连接方面,发展成具有 2G、3G、WiFi 通信功能的便携式电池供电终端,以及 EMV 智能卡、非接触式和近场通信 (NFC) 交易的广泛采用。

 

  

在迁移到 Linux 系统之前,传统支付终端通常由专有的操作系统驱动,现在终于迁移到 Android 智能支付解决方案,其中 PAX (百富) 被视为全球领导者和先行者。

 

Android 智能支付终端为何变得如此受欢迎?

在商户间广受欢迎的秘诀在于部署 Android 智能支付终端,这些终端同时运行收银应用程式和支付应用程式,这才是市场真正起飞的时候。

 

在理解这个现象之前,就需要先了解 Android 所带来的真正价值。

 

 

Google在约16 年前收购了 Android,并每年投资数百万美元来强化和扩展其操作系统。它是公司未来的核心,就如交易安全是 PAX (百富) 的核心一样。 Google 不断添加新功能,删除过时的性能,并致力提高操作系统效率和改善用户体验。

 

如今,全球 70% 的智能手机由Android操作系统驱动,是一种专为移动触控屏终端设计的操作系统,使用无线通信连接到互联网,并在其上运行精工细作的软件应用程式。而传统的支付终端由专有操作系统驱动,总是缺乏投资和发展,减慢了支付终端的创新,并耽搁了新型支付终端的推出。

 

世界各地的独立软件供应商 (ISV) 了解到 Android多不胜数的优势,现在正通过支付服务供应商或收单机构,在 PAXSTORE 等交付平台为他们的商户提供其海量的应用程式库,创造新商机,以及改善运营效率。借助 Android,集成新的应用程式变得更加容易,巨大的收入潜力促使这些独立软件供应商 (ISV) 希望在 Android支付终端上提供他们的应用程式,因而拉动终端的需求。

 

 

Android 的吸引之处在于,多个应用程式可以同时在一台智能支付终端上无缝地运行,无需小商户继续使用收款机或条码扫描器,从而降低成本。智能支付终端简化了商户服务供应商进入新市场的过程,并扩大了支持支付的领域。简单来说, Android 让您在支付终端上做更多事情,将支付终端转化成一个功能强大的多用途服务点。

 

与传统支付终端相比,Android智能支付终端的安全性更强

Google 非常重视数据安全,并投入大量资金来确保 Android 平台的高度安全性,采用最新的安全技术来防范和侦察恶意活动。

 

PAX (百富) 的智能支付终端系列采用特殊的Android锁定版本 - 称为 PayDroid 操作系统,在专用的CPU 上运行,将支付处理以及敏感的卡和客户数据与 Android 和非支付应用程式隔离,这个设计带来更高的安全性。 PAX 智能支付终端完全通过 PCI 和 EMVCo 监管标准认证,并符合国际卡协会和当地收单机构的要求。

 

 

应用程式市场的安全性亦融入 PAXSTORE 平台的设计,涵盖软件扫描和恶意软件检测等。远程密钥注入 (RKI) 在通过国际卡网络认证的高度安全设施中进行,而软件开发人员使用强大的加密技术对每个应用程式进行签名,然后由终端拥有者 (例如支付服务供应商或收单机构) 管控应用程式部署。

 

PAX (百富) 智能支付终端具备其他支付终端操作系统上没有的安全管控功能

包括实时定位功能,就像智能​​手机中的「寻找我的手机」服务一样,它可以在PAXSTORE 地图上显示每台支付终端的确实位置,即使在没有 GPS 信号的地区。Android 安全功能使商户服务供应商可满足其 PCI 监管链合规性要求,并有助防止未经授权的访问、修改或终端替换。

 

 

Android 为收单银行和商户服务供应商带来的好处

收单银行和商户服务供应商透过技术升级、美观的智能支付终端,可以在其商户心目中建立一种比竞争对手更具创新性的印象之外,还带来更多领域的好处,尤其是应用程式开发、终端网络管理和产生新收益。

 

收单银行经常认为自己受制于当地支付终端供货商,主要是因为他们无法控制在支付终端上运行的支付软件应用程式的开发和支援成本。透过采用 Android,开发应用程式所需的软件资源更少,而且这些资源更容易获得且成本更低,无需专业的编程技能或高薪聘用,因此应用程式开发得以简化。开发者无需担心非支付的功能,因为这些功能会由 Android 直接处理,或者可从主流软件开发工具或可信的开源代码中轻松取得。

 

PAX (百富) 智能支付终端更易于设置,并提供强大的远程系统管理和实时监测功能,从而减少需要技术支援的次数、更少的终端被退回维修的和更高的操作可用性。 PAXSTORE 中的高阶功能有助技术支援后台的操作员在智能支付终端上执行复杂的故障排除、远程诊断和预防性维护。

 

  

称为 AirViewer 的安全程式更可以对商户的智能支付终端进行全面的远程控制。如有需要,所有软件包都可以远程下载,甚至可以通过无线方式下载。商户终端网络管理一夜之间就简化了,效率更高,节省了时间、金钱和资源。实时信息也可以直接发送到商户,信息可直接显示在智能支付终端的屏幕上,不需要商店经理登录到任何其他系统,也不需要依靠阅读邮件。

 

透过支付服务供应商、独立销售机构和收单机构专门的 PAXSTORE (类似appstore的功能) 向其客户提供高利润的增值服务,为他们创造了新的收入机会,有助于强化与商户关系,并提高客户保留率。这些 Android 应用程式可在不同的智能支付终端转移,提供更大的灵活性,并有利服务商快速抓紧新商机。

 

 

为何商户需要 Android 智能支付解决方案

与支付服务供应商一样,商户在转用Android 智能支付终端时了解到在多个领域的优势,如硬件、操作、客户互动和产品可靠性。

 

过去,商户一整套硬件产品包括收款机、现金抽屉、打印机、条码扫描器、支付终端等,占用宝贵的柜台空间,而现在一个智能支付终端 (有多种型号) 可用于记录销售、接受支付、积分管理和实时回赠、检查库存水平、验证门票和优惠券,或执行许多其他操作。在单单一个终端上即可运行多个应用程式,智能支付终端的价值进一步提升,而所需的资本支出或运营成本投资减少了。

 

从操作来说,商店员工和办公室团队发现,由于本身对 Android 的高度熟悉,PAX (百富) 智能支付终端较传统支付终端更容易管理。操作流程非常直观,因此很少需要手册,也不需要专业培训和工程师安装,从而节省时间和金钱。

 

更重要的是,商户非常重视可以通过商户服务供应商的 PAXSTORE 平台提供的管理信息报告和分析,这要归功于 Android 智能支付终端。

 

Android 也在加快在销售点引入新的电子支付方式,包括电子货币包、超级应用程式、二维码、账户到账户银行转账等,这意味着在当今的全渠道的零售世界中,企业可以更轻松地保持支付方式的一致性。

 

 

商家客户和消費者更喜欢与智能支付终端互动,无论是独立的终端还是自助式的,因为它们具有更大的高清触控屏幕,易于使用。商户也可以更好地展示品牌、传达营销信息和视频,并提高客户忠诚度。借助 Android,管理此类媒体内容得以简化。

 

与从前的支付终端相比,PAX (百富) 智能支付终端在商户间赢得了更可靠的声誉,这可能是由于软件稳定性和产品制造质量有所改善,较以前更少出现操作中断的情况。先进的远程管理功能 (例如前面提到的 AirViewer) 让后台技术支援人员可以更快速地,以远程方式解决大多数问题。

  

PAX (百富) 观点

PAX (百富) 的全球合作伙伴和客户都认为,Android比其他操作系统具有更高的价值,并且最终所有支付终端都将由 Android 所驱动,原因多不胜数。全球大多数商户服务供应商越来越欣赏 Android 带来的优势,结合 PAX (百富) 一流 PAXSTORE 平台和高质量产品组合。他们还意识到其商户正在寻找或有其他供应商正在提供此类解决方案,因此他们觉得有必要主动参与这场技术变革。

 

(但我们也了解到,并不是每个人都完全了解 Android 智能支付终端如何强化其业务,也不了解如何确保安全部署,也可能无法衡量总拥有成本。因此,在少数的国家,我们仍看到传统收单机构抵制 Android 智能支付终端技术转变,试图坚持传统的支付终端业务模式。)

 

受惠于Android,支付行业现在可以借助智能手机行业的规模和投资。零部件和外围设备制造商将支持Android系统作为其标准产品发布的一部分,有利更快地集成新的芯片组和功能,例如相机、扫描器、麦克风、存储卡和高清显示器。这使得 PAX (百富) 能够更快地推出新的智能支付终端型号。 Android 在操作过程中取得更多的数据,从而可以执行分析、远程和预防性维护,并提供数据变现 (data monetization) 的机会,这都是由 PAX (百富) 通过 PAXSTORE 平台向其客户有带来的。

 

凭着世界各地的合作伙伴和客户对 PAX (百富) 的信任,我们已经在 100 多个国家向他们提供了数以千万计的产品,我们对于成为支付终端行业的领导者而感到自豪。

 

按此 阅读原文 (英文)

  

 

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2.2 We may process information contained in any enquiry you submit to us regarding goods and/or services ("enquiry data"). The enquiry data may be processed for the purposes of offering, marketing and selling relevant goods and/or services to you. The legal basis for this processing.

2.3 We may process information relating to our customer relationships, including customer contact information ("customer relationship data"). The customer relationship data may include your name, your employer, your job title or role, your contact details, and information contained in communications between us and you or your employer. The source of the customer relationship data is you or your employer. The customer relationship data may be processed for the purposes of managing our relationships with customers, communicating with customers, keeping records of those communications and promoting our products and services to customers. The legal basis for this processing is consent.

2.4 We may process information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters ("notification data"). The notification data may be processed for the purposes of sending you the relevant notifications and/or newsletters. The legal basis for this processing is consent.

2.5 We may process information contained in or relating to any communication that you send to us ("correspondence data"). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business and communications with users.

2.6 Please do not supply any other person's personal data to us, unless we prompt you to do so.

3. Retaining and deleting personal data

3.1 This Section 3 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal data.

3.2 Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

3.3 We will retain your personal data for a minimum period of 1 month and for a maximum period of 10 years.

3.4 In some cases it is not possible for us to specify in advance the periods for which your personal data will be retained. In such cases, we will determine the period of retention based on the following criteria:

(a) the period of retention of personal data specified in Section 2 will be determined based on your ongoing business relationship with us and/or of your involvement in our industry sector.

3.5 Notwithstanding the other provisions of this Section 3, we may retain your personal data where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

4. Your rights

4.1 In this Section 4, we have summarized the rights that you have under data protection law. Some of the rights are complex, and not all of the details have been included in our summaries. Accordingly, you should read the relevant laws and guidance from the regulatory authorities for a full explanation of these rights.

4.2 Your principal rights under data protection law are:

(a) the right to access;

(b) the right to rectification;

(c) the right to erasure;

(d) the right to restrict processing;

(e) the right to object to processing;

(f) the right to data portability;

(g) the right to complain to a supervisory authority; and

(h) the right to withdraw consent.

4.3 You have the right to confirmation as to whether or not we process your personal data and, where we do, access to the personal data, together with certain additional information. That additional information includes details of the purposes of the processing, the categories of personal data concerned and the recipients of the personal data. Providing the rights and freedoms of others are not affected, we will supply to you a copy of your personal data.

4.4 You have the right to have any inaccurate personal data about you rectified and, taking into account the purposes of the processing, to have any incomplete personal data about you completed.

4.5 In some circumstances you have the right to the erasure of your personal data without undue delay. Those circumstances include: the personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed; you withdraw consent to consent-based processing; you object to the processing under certain rules of applicable data protection law; the processing is for direct marketing purposes; and the personal data have been unlawfully processed. However, there are exclusions of the right to erasure. The general exclusions include where processing is necessary: for exercising the right of freedom of expression and information; for compliance with a legal obligation; or for the establishment, exercise or defence of legal claims.

4.6 In some circumstances you have the right to restrict the processing of your personal data. Those circumstances are: you contest the accuracy of the personal data; processing is unlawful but you oppose erasure; we no longer need the personal data for the purposes of our processing, but you require personal data for the establishment, exercise or defence of legal claims; and you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal data. However, we will only otherwise process it: with your consent; for the establishment, exercise or defence of legal claims; for the protection of the rights of another natural or legal person; or for reasons of important public interest.

4.7 You have the right to object to our processing of your personal data on grounds relating to your particular situation, but only to the extent that the legal basis for the processing is that the processing is necessary for: the performance of a task carried out in the public interest or in the exercise of any official authority vested in us; or the purposes of the legitimate interests pursued by us or by a third party. If you make such an objection, we will cease to process the personal information unless we can demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms, or the processing is for the establishment, exercise or defence of legal claims.

4.8 To the extent that the legal basis for our processing of your personal data is:

(a) consent; or

(b) that the processing is necessary for the performance of a contract to which you are party or in order to take steps at your request prior to entering into a contract, and such processing is carried out by automated means, you have the right to receive your personal data from us in a structured, commonly used and machine-readable format. However, this right does not apply where it would adversely affect the rights and freedoms of others.

4.9 If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your habitual residence, your place of work or the place of the alleged infringement.

4.10 To the extent that the legal basis for our processing of your personal information is consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing before the withdrawal.

4.11 You may exercise any of your rights in relation to your personal data by written notice to us.

5. Credit

5.1 This document was created using a template from SEQ Legal (https://seqlegal.com).