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為何 Android 支付終端如此受歡迎?
2022年3月31日
博客

三位 PAX (百富) 專家分析了 Android 智能支付終端崛起背後的關鍵因素—如何為收單銀行、商戶服務供應商及其商戶創造價值,以及與傳統支付終端相比,Android 智能支付終端具備更高安全性的原因。

 

當 Steve Jobs (史蒂夫.喬布斯) 在 2007 年 1 月 9 日推出第一款 iPhone 時,幾乎沒有人不想立即將他們的諾基亞或摩托羅拉手機換成閃亮的新款智能手機。 今天,設計外型優雅的 Android 智能支付終端,具有如智能手機的功能,正在迅速取代商戶收單世界中陳舊外觀的傳統支付終端。

 

 

從傳統支付終端到 Android 智能支付終端的演變

支付終端已經有近 40 年的歷史,但直到最近,新一代支付終端 — 基於 Android 的智能支付終端才面世,引發了一波讓許多傳統收單銀行出其不意的技術浪潮,並為高速發展的支付服務供應商和收單機構提供了贏得商戶市場份額的機會。

 

支付終端於 1980 年代首次進入市場,作為獨立的台式終端連接到PSTN電話線,其唯一目的是電子化處理磁條卡支付。支付終端在 1990 年代和 2000 年代發展起來,包括在無線連接方面,發展成具有 2G、3G、WiFi 通信功能的便攜式電池供電終端,以及 EMV 智能卡、非接觸式和近場通信 (NFC) 交易的廣泛採用。

 

 

在遷移到 Linux系統之前,傳統支付終端通常由專有的操作系統驅動,現在終於遷移到 Android 智能支付解決方案,其中 PAX (百富) 被視為全球領導者和先行者。

 

Android 智能支付終端為何變得如此受歡迎?

在商戶間廣受歡迎的秘訣在於部署 Android 智能支付終端,這些終端同時運行收銀應用程式和支付應用程式,這才是市場真正起飛的時候。

 

在理解這個現象之前,就需要先了解 Android 所帶來的真正價值。

 

 

Google在約16 年前收購了 Android,並每年投資數百萬美元來強化和擴展其操作系統。它是公司未來的核心,就如交易安全是 PAX (百富) 的核心一樣。 Google 不斷添加新功能,刪除過時的性能,並致力提高操作系統效率和改善使用者體驗。

 

如今,全球 70% 的智能手機由Android操作系統驅動,是一種專為移動觸控屏終端設計的操作系統,使用無線通信連接到互聯網,並在其上運行精工細作的軟件應用程式。而傳統的支付終端由專有操作系統驅動,總是缺乏投資和發展,減慢了支付終端的創新,並耽擱了新型支付終端的推出。

 

世界各地的獨立軟件供應商 (ISV) 了解到 Android多不勝數的優勢,現在正通過支付服務供應商或收單機構,在PAXSTORE 等交付平台為他們的商戶提供其海量的應用程式庫,創造新商機,以及改善運營效率。借助 Android,集成新的應用程式變得更加容易,巨大的收入潛力促使這些獨立軟件供應商 (ISV) 希望在 Android支付終端上提供他們的應用程式,因而拉動終端的需求。

 

 

Android 的吸引之處在於,多個應用程式同時可以在一台智能支付終端上無縫地運行,無需小商戶繼續使用收銀機或條碼掃描器,從而降低成本。智能支付終端簡化了商戶服務供應商進入新市場的過程,並擴大了支援支付的領域。簡單來說, Android 讓您在支付終端上做更多事情,將支付終端轉化成一個功能強大的多用途服務點。

 

與傳統支付終端相比,Android智能支付終端的安全性更強

Google 非常重視數據安全,並投入大量資金來確保 Android 平台的高度安全性,採用最新的安全技術來防範和偵察惡意活動。

 

PAX (百富) 的智能支付終端系列採用特殊的Android鎖定版本 - 稱為 PayDroid 操作系统,在專用的CPU 上運行,將支付處理以及敏感的卡和客戶數據與 Android 和非支付應用程式隔離,這個設計帶來更高的安全性。 PAX 智能支付終端完全通過 PCI 和 EMVCo 監管標準認證,並符合國際卡協會和當地收單機構的要求。

 

 

應用程式市場的安全性亦融入 PAXSTORE 平台的設計,涵蓋軟件掃描和惡意軟件檢測等。遠程密鑰注入 (RKI) 在通過國際卡網絡認證的高度安全設施中進行,而軟件開發人員使用強大的加密技術對每個應用程式進行簽名,然後由終端擁有者 (例如支付服務供應商或收單機構) 管控應用程式部署。

 

PAX (百富) 智能支付終端具備其他支付終端操作系統上沒有的安全管控功能

包括實時定位功能,就像智能​​手機中的「尋找我的手機」服務一樣,它可以在PAXSTORE 地圖上顯示每台支付終端的確實位置,即使在沒有 GPS 信號的地區。Android 安全功能使商戶服務供應商可滿足其 PCI 監管鏈合規性要求,並有助防止未經授權的訪問、修改或終端替換。

 

 

Android 為收單銀行和商戶服務供應商帶來的好處

收單銀行和商戶服務供應商透過技術升級、美觀的智能支付終端,可以在其商戶心目中建立一種比競爭對手更具創新性的印象之外,還帶來更多領域的好處,尤其是應用程式開發、終端網路管理和產生新收益。

 

收單銀行經常認為自己受制於當地支付終端供應商,主要是因為他們無法控制在支付終端上運行的支付軟件應用程式的開發和支援成本。透過採用 Android,開發應用程式所需的軟件資源更少,而且這些資源更容易獲得且成本更低,無需專業的編程技能或高薪聘用,因此應用程式開發得以簡化。開發者無需擔心非支付的功能,因為這些功能會由 Android 直接處理,或者可從主流軟件開發工具或可信的開源代碼中輕鬆取得。

 

PAX (百富) 智能支付終端更易於設置,並提供強大的遠程系統管理和實時監測功能,從而減少需要技術支援的次數、退回維修的終端數量和更高的操作可用性。 PAXSTORE 中的高階功能有助後台技術支援的操作員在智能支付終端上執行複雜的故障排除、遠程診斷和預防性維護。

 

 

稱為 AirViewer 的安全程序更可以對商戶的智能支付終端進行全面的遠程控制。如有需要,所有軟件包都可以遠程下載,甚至可以通過無線方式下載。商戶終端網絡管理一夜之間就簡化了,效率更高,節省了時間、金錢和資源。即時信息也可以直接發送到商戶,信息可直接顯示在智能支付終端的屏幕上,不需要商店經理登錄到任何其他系統,也不需要依靠閱讀郵件。

 

透過支付服務供應商、獨立銷售機構和收單機構專門的 PAXSTORE (類似appstore的功能) 向其客戶提供高利潤的增值服務,為他們創造了新的收入機會,有助於強化與商戶關係,並提高客戶保留率。這些 Android 應用程式可在不同的智能支付終端轉移,提供更大的靈活性,並有利服務商快速抓緊新商機。

 

 

為何商戶需要 Android 智能支付解決方案

與支付服務供應商一樣,商戶在轉用Android 智能支付終端時了解到在多個領域的優勢,如硬件、操作、客戶互動和產品可靠性。

 

過去,商戶一整套硬件產品包括收銀機、現金抽屜、打印機、條碼掃描器、支付終端等,佔用寶貴的櫃檯空間,而現在一個智能支付終端 (有多種型號) 可用於記錄銷售、接受支付、積分管理和即時回贈、檢查庫存水平、驗證門票和優惠券,或執行許多其他操作。在單單一個終端上即可運行多個應用程式,智能支付終端的價值進一步提升,而所需的資本支出或運營成本投資減少了。

  

從操作來說,商店員工和辦公室團隊發現,由於本身對 Android 的高度熟悉,PAX (百富) 智能支付終端較傳統支付終端更容易管理。操作流程非常直觀,因此很少需要手冊,也不需要專業培訓和工程師安裝,從而節省時間和金錢。

 

更重要的是,商戶非常重視可以通過商戶服務供應商的 PAXSTORE 平台提供的管理信息報告和分析,這要歸功於 Android 智能支付終端。

 

Android 也在加快在銷售點引入新的電子支付方式,包括電子錢包、超級應用程式、二維碼、賬戶到賬戶銀行轉賬等,這意味著在當今的全渠道的零售世界中,企業可以更輕鬆地保持支付方式的一致性。

 

 

商家客戶和消費者更喜歡與智能支付終端互動,無論是獨立的終端還是自助式的,因為它們具有更大的高清觸控屏幕,易於使用。商戶也可以更好地展示品牌、傳達營銷信息和視頻,並提高客戶忠誠度。借助 Android,管理此類媒體內容得以簡化。

 

與從前的支付終端相比,PAX (百富) 智能支付終端在商戶間贏得了更可靠的聲譽,這可能是由於軟件穩定性和產品製造質量有所改善,較以前更少出現操作中斷的情況。先進的遠程管理功能 (例如前面提到的 AirViewer) 讓後台技術支援人員可以更快速地,以遠程方式解決大多數問題。

  

PAX (百富) 觀點

PAX (百富) 的全球合作夥伴和客戶都認為,Android比其他作業系統具有更高的價值,並且最終所有支付終端都將由 Android 所驅動,原因多不勝數。全球大多數商戶服務供應商越來越欣賞 Android 帶來的優勢,結合 PAX (百富)一流 PAXSTORE 平台和高品質產品組合。他們還意識到其商戶正在尋找或有其他供應商正在提供此類解決方案,因此他們覺得有必要主動參與這場技術變革。

 

(但我們也了解到,並不是每個人都完全了解 Android 智能支付終端如何強化其業務,也不了解如何確保安全部署,也可能無法衡量總擁有成本。因此,在少數的國家,我們仍看到傳統收單機構抵制 Android 智能支付終端技術轉變,試圖堅持傳統的支付終端業務模式。)

 

受惠於Android,支付行業現在可以借助智能手機行業的規模和投資。零部件和週邊設備製造商將支援Android系統作為其標準產品發佈的一部分,有利更快地集成新的芯片組和功能,例如相機、掃描器、麥克風、存儲卡和高清顯示器。這使得PAX (百富) 能夠更快地推出新的智能支付終端型號。 Android 在操作過程中取得更多的數據,從而可以執行分析、遠程和預防性維護,並提供數據變現 (data monetization) 的機會,這都是由PAX (百富) 通過PAXSTORE平台向其客戶有帶來的。

 

憑著世界各地的合作夥伴和客戶對 PAX (百富) 的信任,我們已經在 100 多個國家向他們提供了數以千萬計的產品,我們對於成為支付終端行業的領導者而感到自豪。

 

按此 閱讀原文 (英文)

  

 

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Privacy policy

1. Introduction

1.1 This privacy policy for PAX Technology has been updated for the General Data Protection Regulation (also known as the GDPR). This policy covers the following matters (amongst others): the collection of personal information; the use of that personal information; the legal bases for the processing of that information; disclosures of that personal information to third parties; international transfers of personal information; and the use of cookies on the website.

1.2 This policy applies where we are acting as a data controller with respect to the personal data of our website visitors and service users; in other words, where we determine the purposes and means of the processing of that personal data.

2. How we use your personal data
	
2.1 We may process data about your use of our website and services ("usage data"). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analyzing the use of the website and services. The legal basis for this processing is consent.

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).