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在“科技紅利”擴大與“人口紅利”衰減的背景下，效率和成本共同驅(qū)動各行各業(yè)往智能化發(fā)展。在支付領(lǐng)域，人工智能將給支付服務(wù)提供者帶來巨大變革，取代許多重復(fù)性的工作，減少人工干預(yù)環(huán)節(jié)，促進企業(yè)由勞動密集型的“作業(yè)團隊”轉(zhuǎn)變?yōu)橹R密集型的“智慧工廠”。

As the backdrop of technology dividend expanding and demographic dividend declining, efficiency and costs drive all life of walks to an intelligent world. In payment area, artificial intelligence will make a huge change to payment service suppliers, and it will replace many repetitive works and reduce human interaction, promoting enterprises transform their position as labor-intensive corporation to knowledge-intensive company.

目前，人工智能在智能支付的優(yōu)勢主要表現(xiàn)在以下幾個方面：

Currently, the advantages of smart payment in artificial intelligence can be seen in the following aspects.

一是創(chuàng)新支付方式。以人工智能為代表的人臉識別、生物識別技術(shù)正改變傳統(tǒng)支付方式，激勵創(chuàng)新支付手段，促使涉及支付服務(wù)的相關(guān)行業(yè)創(chuàng)新其智能支付服務(wù)。

Firstly, it will innovate the payment method. Represented by face recognition and biometrics technology, the artificial intelligence, is changing traditional payment methods, encouraging innovative payment ways and promoting relevant industries involved in payment services to reform their intelligent payment services.

二是提升用戶支付體驗。通過生物識別身份認證等方式為客戶帶來更快捷、更便利、更智能的消費體驗，進一步提升了商家服務(wù)水平、節(jié)約了人工運營成本。

Secondly, it will upgrade the customer payment experience. Biometric identity technology and other intelligent methods can provide customers a more quicker, convenient and smarter consumption experience, which will further improve business services level and save labor operation costs.

三是提高運營效能。通過現(xiàn)實人臉圖像與聯(lián)網(wǎng)核查圖像、客戶身份證圖像交叉比對，由人工智能算法引擎完成身份認證，從而加強了服務(wù)供給、提升了服務(wù)效率、提高了運營效能。

Thirdly, it will improve the operation capacity. As successfully achieving the identity recognition by artificial intelligence algorithm through the cross comparison between facial images and the pictures of network verification and customer identity cards, the artificial intelligence can strengthen owners’ service supply, improve their service efficiency and further promote their operation efficiency.

目前，以人工智能為代表的人臉識別、生物識別技術(shù)，滿足了消費者期待在一個POS機里解決所有支付方式（銀行卡、移動支付、NFC、預(yù)付卡等）的收款。

Up to now, represented by face recognition and biometric technology, the artificial intelligence can satisfy consumers’ expectation to complete their payment in one POS machine, which can contain all the payment methods as credit card, mobile payment, NFC, prepaid card and so on.

相比傳統(tǒng)POS機升級麻煩、功能單一、擴展性差、缺乏互動性等一系列問題, 天波Smart EFT POS TPS900增加了自主研發(fā)的天波云平臺和3G、4G、Wi-Fi、Bluetooth通訊，支持多種支付方式，具有多種功能，是一個基于移動互聯(lián)網(wǎng)云服務(wù)的專業(yè)智能終端。企業(yè)可借助云平臺服務(wù)通過終端切入場景，將大數(shù)據(jù)分析應(yīng)用于店鋪管理，增加會員管理、客戶營銷、數(shù)據(jù)分析等運營方式。

Comparing with a series of problems of upgrading trouble, single function, poor expansion and interaction in traditional POS machine, Telpo Smart EFT POS TPS900 adds its independent developed Telpo cloud platform. In addition, this POS machine supports 3G, 4G, and Wi-Fi, Bluetooth communication and multiple payment methods, owning a variety of functions, which make it become a professional intelligent terminal based on mobile Internet cloud service. Enterprises can apply big data analysis to store management, and increase membership management, customer marketing, data analysis and other operational methods through cloud platform services.

此外，該機器采用了指紋識別、人臉識別、虹膜等人工智能技術(shù)，除了支持NFC支付外，增加了二維碼掃描支付、指紋支付及刷臉付等智能支付途徑，并通過EMV L1&L2，PCI,FCC等金融認證。企業(yè)以智能支付為基礎(chǔ)入口，可將商店與消費者連接起來，獲取消費者消費需求，并對其進行精準營銷，滿足其情景化和個性化的需求，實現(xiàn)線上線下場景融合。

In addition, this POS machine adopts numerous artificial intelligence technologies such as fingerprint recognition, face recognition and iris. It not only supports NFC payment, but also increases some smart payment methods including , scanning, fingerprint payment and smile to pay. More importantly, it obtains EMV L1& L2, PCI, FCC and other financial certification. Basing on the smart AI payment, enterprises can connect with their consumers, in this way; company can accurately grasp the needing of consumers and further make a precise marketing for them. It will satisfy customers’ personal and situation requirements and realize the integration of online and offline scenes.

Keyword: artificial intelligence, smart payment, POS, fingerprint, payment, smile to pay, QR code, EFT POS, identity recognition

Brief Introduction: Founded in 1999, Telpo is a professional smart terminals’ provider and ODM service expert, covering the point-of-sale (POS) terminals, biometric cash register, face recognition machines, self-service kiosk, bus ticketing machines. Telpo has served for more than 1000 customers abroad, including the platform operators, banks, biological algorithm company, operators, technology companies . Telpo adheres to R&D and innovation, in order to provide more intelligent hardware for global partners.

簡介：Telpo成立于1999年，是一家專業(yè)的智能終端提供商和ODM服務(wù)專家，覆蓋銷售點（POS）終端、生物識別收銀機、人臉識別機、自助服務(wù)亭、公交售票機。TELPO天波國際已經(jīng)為1000多個海外客戶提供服務(wù)，包括平臺運營商、銀行、生物算法公司、運營商、技術(shù)公司。Telpo天波國際堅持研發(fā)創(chuàng)新，為全球合作伙伴提供更智能的硬件。