智能易收：安全便捷的解决方案

赵　海

（中国银联　上海　201201）

摘要：目前互联网正进入下半段产业互联网阶段，符合产业发展规律的金融科技创新能够满足金融行业发展的需要。在专业化的POS 机具与二维码贴码两种支付产品之间，缺少为中小商户、县乡市场量身定制的专业化支付工具，使商户能够以较低的成本受理非接、双免、手机PAY 、二维码等业务。为了满足当前市场需求，本文提出了一种基于eSE、可信服务平台和商业营销创新的智能易收解决方案，并针对盗刷、套现等问题进行了安全提升。

关键词：支付工具，大数据监控，金融安全，可信技术

作者简介：赵海，男，1976年生，硕士，分公司总经理，主要从事及研究领域：计算机软件、信息安全、质量管理、支付技术，Email：haizhao@unionpay.com。

A Safe and Convenient Intelligent Payment and Receipt Solution(www.xing528.com)

Zhao Hai

（China Unionpay Co.Ltd.，Shanghai 201201，China）

Abstract：The Internet has stepped into the second half of Industrial Internet，and the fin-tech creations should satisfy the financial developments.Recently，a professional payment machine is vacant between POS payment machine and the QR code payment methods for medium and small enterprises and urban market，which will be convenient for different payment scenes.In order to fit the market needs，a Safe and Convenient Intelligent Payment and Receipt Solution is proposed in this article.It is based on eSE，trusted technology and marketing creations.The new scheme will improve the secure events such as theft prevention and illegal cash.

Keywords：Payment Machine，Big Data Monitoring，Financial Secure，Trusted Technology