Are you the credit card withdrawals, consumer safety and trouble? Do you give change for the shopping process, coins and impatient? So following the good news will make you clap your hands for celebration. First introduced in Asia, Li Bai fingerprint payment business interest (China) Holdings Limited has launched in Shanghai "means paid links", and held with a number of partners signing ceremony. This means that the fingerprint payment - a payment date of the coolest ways to become a reality, as long as a wave of your finger, shopping can be done within 5 seconds, a finger-line all over the world.
Shopping within 5 seconds
It is reported that Li Bai fingerprint payment is interest in using biometric fingerprint authentication technology with the banks to launch a free service for fee payment. Fingerprint payment, in short, is the consumer with a finger in a special light points on the fingerprint payment terminals can pay the bill pay.
Fingerprint pay principle is the user's fingerprint data with binding between the designated bank account, when the user purchases or consumption, the use of fingers "refers to paid links" of the fingerprint identification terminal in the scan, to confirm that with me, you can easily complete payment. Such users are not required to carry shopping or consumption card or cash, the amount of consumption will be deducted from the corresponding bank account.
The means to pay to complete a transaction through platform no more than 5 seconds, which means the pay-pass processing time: time 0.2s + fingerprint Fingerprint Time 10/4000s + transaction processing time 1/35s = 0.23s. Process to complete a full normal trading hours are: dial-up transmission time 1.5s + refers to the processing time to pay through bank transfer time 0.23s + 0.5s + bank-side processing time of 0.25s = 2.48s.
According to reports, "means the pay links" now offers two Registered by: Li Bai interested users to have cooperative bank network, verify the network card, transaction password, and enter the fingerprint, to set identification codes, bank Origin will be considered paid through system-generated card number and bank account can bind; or to establish cooperative business networks Bai interesting fingerprints, set identification code, that means paying through the system-generated user account to pay through. Via telephone banking or internet banking verification number, password, and enter the user account that paid through bank validation, the Card number, account number so that payment through binding. The first sample three times as long as the registered fingerprint, the sustainable use.
Payment Security impregnable fortress
"Li Bai interest" paid collection launch fingerprint is the fingerprint features, and its digital. First of all, each has its own unique fingerprint, and secondly, the formation of the data is dynamic. That is the same person each time after the formation of fingerprint identification data is different, only according to mathematical logic to determine whether it is with a finger, so that even if the fingerprint characteristic data is lost, it can not restore the image of the fingerprint of the data, consumers are do not worry about the security of the fingerprint.
It is learned that the fingerprint POS terminal with the "Li Bai interest" between the server system using DES, MAC verification measures to ensure the security of fingerprint payment data; with the bank to exchange data, "Li Bai Qu" system uses DES, MAC and other security algorithm technology , with and ATM, POS and other methods of payment the same level of security; "Li Bai interest" system on the user's fingerprint to encrypt sensitive data such as user mode saved; "Li Bai interest" database system to take full backup plus incremental backup strategy and so on. In addition, real-time monitoring system will be running hand, if abnormal operation, to facilitate timely troubleshooting, remote terminal access method used. Such a complete security to the consumer to pay to create a safe environment, no longer have to worry about purse stolen card numbers, bank card number read the password was stolen.
Li Bai-Fun Chen Xiaofeng, CEO told us a long time, China's Fingerprint Identification System are based on foreign technology. As Europe and the United States than in Asian people's fingerprints are usually rough, so the domestic fingerprint recognition rate there is a big problem, which is the fingerprint to pay long-term reasons for staying at the theoretical level. Now the heart of the world's top three legislative Bai fingerprint application technology has solved this problem interesting, in recognition rate, privacy, security, innovative breakthroughs such as complete elimination of the user's worries.
Fingerprint payment service in Asia, Li Bai is only interested in the exclusive launch, even in the United States only last October began to appear, Chen Xiaofeng, said: "China's fingerprint to pay to lead the world." Industry is also general agreement that the fingerprint will start to promote electronic payments payment industry, detonated a payment revolution.
Fingerprint promising to pay
It is reported that Li Bai interest has attracted two internationally renowned for its IT investment in the field of investment funds, namely funds and RichenCapital MilestoneCapital Madden Run Mason Fund. Li Bai interested strategic partners are IBM, Shida, cedar and Germany.
Currently, many companies expressed willingness to work with, including Parkson, SAFE and other large department stores, JSWB, B & Q and other Furniture City, Century Mart, Tesco supermarkets and other large supermarket, a bright, Rosen and other convenience stores, and clothing and food industries and enterprises. In addition, Li Bai's fingerprint to pay interest at home has also been the concern of many banks, the company has with the ICBC, Agricultural Bank of China, Bank of China, Construction Bank, China Merchants Bank, Bank, Minsheng Bank, Huaxia Bank, Shanghai Pudong Development Bank to establish a fingerprint payment relationship and intention. Shows the following telephone banking, Internet banking, phone banking is another new method of payment after already received widespread attention in the industry.
U.S. media launched a pilot fingerprint payment area of the follow-up reports. According to the four stores in the system for 3 months using the survey, 15% of credit card owners pay a fingerprint registered user, and shopping centers on the provision of access to the service rate of 15%, each amount of spending also increased by 12% .
May 24, 2006 -2 006 years, on June 2, QQ Li Bai interest to complete the online questionnaire form the user to test the user acceptance of fingerprint attitude and demand payment. Survey, it would "use" and "will consider" the user to reach 87.27%, indicating surveyed users fingerprint to pay most supportive of this form of payment, appreciated the attitude, acceptance high. Selected counter in a bank account for 54.48% of registered users reached more than half.
Survey, are willing to limit the amount of non-payment through the use of that service and is willing to use that account to pay through the number of stored up 60.49% of those surveyed, the data that the user fingerprint to pay support, even as banks are not open to pay through services that more than half of the users who choose to open accounts to use the stored fingerprint payment services. With 76.74% of the users to choose are willing to hold their own card / passbook bank does not open the case of the fingerprint to pay to have launched services that pay through bank to open a new account, fully explain the fingerprint will gradually become a mainstream payment method of payment, is also the user to select an important indicator of the depositary bank.
Another high as 87.83% of users believe that fingerprint card to pay more than safe, convenient, shows the current user on the credit card / bank card's reliability is not high, they are looking for a more secure, convenient way to pay, the fingerprint was paid into the preferred, with 86.73 percent of the users fingerprint to pay to become the next mainstream method of payment affirmed, "security" and "convenient" is that 70% of users choose to pay through the two major factors.
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