在當(dāng)今數(shù)字化時(shí)代，智能支付正在成為人們?nèi)粘Ｉ钪械男逻x擇。隨著科技的不斷進(jìn)步和創(chuàng)新，各種智能支付方式正逐漸改變著我們過去對付款的認(rèn)知和習(xí)慣。從傳統(tǒng)現(xiàn)金到信用卡、移動(dòng)支付再到如今盛行的無接觸式支付，每一次變革都給消費(fèi)者帶來了更加便捷快速的購物體驗(yàn)。

作為這場數(shù)字經(jīng)濟(jì)轉(zhuǎn)型中最具前瞻性與領(lǐng)先性質(zhì)之一, 智能支付已然成為引領(lǐng)全球商業(yè)模式發(fā)展潮流，并且也深刻地影響并重構(gòu)著整個(gè)社會(huì)生態(tài)格局。通過運(yùn)用大數(shù)據(jù)分析、云計(jì)算、人工智能等高科技手段，在線上及線下零售環(huán)境里呈現(xiàn)出越來越多元化與差異化特征。

值得關(guān)注的是，近年來以手機(jī)閃付、二維碼掃描等形式涌現(xiàn)出諸多國內(nèi)外蓬勃興起并迅速走紅于市場間口碑極佳而備受歡迎應(yīng)用程序, 例如Apple Pay, Google Wallet 等. 它們既提供安全可靠保密交易機(jī)制同時(shí)也節(jié)約了用戶時(shí)間精力資源使其享有更優(yōu)質(zhì)舒心服務(wù)體驗(yàn).

然而伴隨著這些便利背后所隱藏可能存在風(fēng)險(xiǎn)挑戰(zhàn)問題令公眾擔(dān)憂焦慮. 用戶信息泄露或被濫用倒賣; 投資方面缺少監(jiān)管規(guī)范法治建設(shè)導(dǎo)致平臺漏洞頻發(fā)甚至跑路事件層出不窮；還有惡意軟件攻擊網(wǎng)絡(luò)黑客入侵竄改篡改造假訂單情況時(shí)有爆發(fā)…… 這些點(diǎn)點(diǎn)滴滴暗示需要政府部門企事業(yè)單位共同努力投身其中完善相關(guān)立法條例彌補(bǔ)相應(yīng)管理空白確保廣大民眾尤其是老幼群體放心使用暢通參與感

除此之外針對未開銀行賬戶基數(shù)邊緣群落散失雜牌小微店主儲存積累結(jié)余貨品銷量價(jià)格促銷打折搶單收支明細(xì)需求設(shè)計(jì)獨(dú)家定制專項(xiàng)增值功能產(chǎn)品內(nèi)容實(shí)施授權(quán)許可合規(guī)操作標(biāo)準(zhǔn)培訓(xùn)指南解答FAQ問詢反饋回復(fù)處理系統(tǒng)設(shè)置調(diào)試更新推送消息提示預(yù)警記載查詢檢索歸檔電子郵寄傳真電話聯(lián)絡(luò)溝通配套服務(wù)項(xiàng)目包裝配送退換貨理賠稅務(wù)報(bào)表清單編排審核核算審計(jì)評級考核修訂修改發(fā)布文本圖片視頻音頻鏈接商品說明書注冊登錄驗(yàn)證密碼鎖匙記錄備份分享保存下載上傳防火墻VPN密道區(qū)塊鏈SSL證書私鑰PIN碼搖號語音指令錄入確認(rèn)簽名按鍵輸入鼠標(biāo)點(diǎn)擊軌跡比對采集RFID NFC IDIC IC SIM IMSI IMEI UAV UWB GPS GPRS CDN DPI ISP POP SMTP FTP HTTP TCP UDP ARP RARP ICMP IGMP DHCP TLS SSL SNMP SSH Telnet SDN VPN VoIP SIP SIPS SRTP RTP RTCP MGCP MEAP WAP WTLS XML JSON HTML CSS PHP ASP SQL JavaScript AJAX CGI DHTML JSP EJB Ruby Python Perl Lisp Haskell Scala Bash Git Hadoop Spark Kafka Storm ZooKeeper Flume Hive Tez Flink Kylin Pig Oozie Sqoop Avro Thrift Protocol Buffers Parquet ORC MyBatis Hibernate Struts Spring MVC AOP IOC DI JDBC JPA ORM DRUID Sharding-JDBC Atomikos Bitronix XA TCC Seata RocketMQ RabbitMQ ActiveMQ ZeroMq Kafka Kafdrop CloudKarafka Confluent SchemaRegistry ApacheCamel MuleESB ServiceMix Synapse CamelCXF CXF Jersey Axis2 Metro WebService RPC Dubbo gRPC Thrift RESTful SOAP MQTT CoAp AMQP STOMP XMPP WebSocket Servlet Tomcat Jetty Undertow WildFly Resin GlassFish Websphere WAS LibertyProfile OpenLiberty JBPM Activiti Flowable Camunda jBossForge maven Ant Ivy Gradle Nexus Artifactory Jenkins TravisCI Bamboo Hudson GoCD TeamCity CircleCI DroneIO Buildbot CruiseControl LuntBuild Phing Capistrano Fabric Ansible Puppet Chef SaltStack CFEngine bcfg2 Quattor Juju Terraform Packer Vagrant Docker Kubernetes Mesosphere Rancher Openshift Swarm Harbor Helm Ceph GlusterFS MooseFS FastDFS Minio AmazonS3 AliyunOSS QiniuCloud UpYun KingsoftCos QingStor AzureBlobStorage BackBlaze B2 WasabiDigitalOcean Spaces Storj Scality RingSwift IBMCloudObjectStorage Oracle Object Storage Swiftstack DellEMCScaleIO EMCViPR HitachiContentPlatformNetAppAltaVaultQuantumLattusScalityRingTapeArchiwareP5PresStoreRedstorCentrestackDatacoreVFMVeritasAccessIBM Spectrum ProtectDellEMCNXSeriesHitachiHUSVMInfinidat InfiniboxOracleZFCPSpectraLogicBlackPearlStarWindVirtualSanBridgeSTOROpen-EJovianDXFreeNASRockyLinuxTrueNASProxmoxVEUniventionUCSClearOSEndianFirewallVyattaCorePluspfSenseSophosUTMUltraSurfTorPsiphonPrivoxyShadowsocksGoAgentXX-NetWireGuardSoftEtherOpenConnectStrongSwanZeroTierOneSSHuttlePritunlOutline Project LanternKeeWebPadlockPassboltBitwardenLastpassRoboFormDashlane1PasswordEnpassKeepassXCButtercupKeychainGPGSymantecPKISmartcardUAFCTAPIOTPCAMobileOTPUSBTokenBluetoothLEBiometricAuthenticatorsSecurityKeysWindowsHelloTouchIDFaceIDLivenessDetectionBehavioSecBioCatchPlurilockNeuro-FastDynamicScreen-DNAEyeprint-IDVoice-BiometricsBehavioral-biometricsKeystroke-dynamicsSignature-analysisHeartbeat-signatureDNA-matchingFacial-recognitionRetina-scanIris-scanVein-patternEar-shapeOdour-printHand-geometryBody-odourTyping-rhythmGesture-passwordMultimodal-behavior-profilingDevice-fingerprintingBrowser-fingerprintingCanvas-fingerprintingAudioContext-fingerprintBattery-status-APIBeacon-taggingCookiesHTTP-cookiesSupercookiesEvercookieZombie-cookieFlash-cookiesSilverlight-isolated-storagelocalStorageSessionstorageIndexedDBWebSQLDatabaseCacheManifestDOM-session-and-persistent-storaCookie-lawHTTPS-everywhereDoNotTrackMePrivacyBadgerGhosteryDisconnectAdBlockPIACryptocurrenciesBitcoinEthereumRippleLitecoinCardanoPolkadotChainLinkStellarVeChainTezosTronUSD CoinMoneroEOSNeoUNUS SED LEOMakerDAODashCompoundSynthetixYearn.financeUMAVenusAlpha FinanceLabSwapBalancerCurve FinanceCreamFinancedForceDMMDODOHuobi TokenKyberNetworkLoopringMCDEXOrionProtocolPerpetual ProtocolRenRENTHORSushiSwapSwipeThorchainTrustswapUnitradeUraniumpolygonmaticaavecompounddydxmkrchsbzxsnxcompuniyfiyearnvxxcrvrenbtcethbntkncwbtcftmkavaatomneolinkdotfilogrtomochainbandxtzcakeustaxemelyxdaiunitrustbltpayr@iconomiicnxstaketezosgnostrondusktezkmdtzelgoalgoavalancheavaxserumdrgndexcvxnearwavesaudiusaudiofilescotiachaintezosterraprotocolterraUSTsolanasolaraysrmraywaveradiorifyradiofmusicoinmusiccaspercspcsprflowergotonigotogethtauharmonyonecosmosirisnetworkirisakashibandyokandaharvestfinancefarmernexusmutantsynthsushiswapmeerkatspookyswapspiritswapghostfantomspectraloracletridentprotocolposeidonrescuevegaprotocolseigniorageshedprotocolcryptocurrencydefidecentralized financeblockchainsmart contractstakingyield farmingliquidity miningflash loanchain analysisdecentralized exchangefractional reserve stablecoindouble spend51% attackproof of workconsensus algorithmdistributed ledger technologyinitial coin offeringtokenizationsecurity token offeringequity crowdfundingstablecoinsdigital identitynon fungible tokensopen source softwareprivacy preserving computationzero knowledge proofssecure multi party computationhomomorphic encryptionpost quantum cryptographyquantum key distributioninterplanetary file systempeer to peer networkshardware security moduletrust computingsolution providersblock producersminersvalidatorsfull nodesmasternodeswallet providersexchangesbrokerscustodian servicespayment processorsasset managersinvestment fundsventure capitalistsangel investorsfamily officesprivate equity firmsmarket makershigh frequency trading firmsscalability solutionslayer 1 protocolslayer 2 solutionsoff chain transactionssidestream chainscross chain interoperabilitybridgesatomic swapsstate channelsplasma rollupscommit chainsvalidiumoptimistic rollupzkrolluphybrid blockchaingenesis blockhard forksoft forkturing completenesspermissioned blockchainpublic permissionless blockchainenterprise grade distributed ledgersconvergence consensusalgorithm agnosticmulti signature walletsbrain walletpaper wallethardware walletoffline storageweb based wallletelectrummyceliumledger nano strezortrezorbip32hd bip39mnemonic seedhot storagecold storagemultisigmulti factor authenticationbiometrichashing functionkey derivation functionmessage digestsaltingpepperingpassword stretchingpbkdfargon scryptbcryptsha256 sha384 sha512aesdesrsa dsa ecdsa elliptic curve cryptographycertificate authoritycertificate revocation listonline certificate status protocolextended validation certificatesubject alternative nameorganizationally unique identifiercommon namerequest for commentspretty good privacytrusted platform modulerandom number generatorentropy gatheringtrue random numberspseudo random number generatorsymmetric ciphersasynchronous cipherstream cipherblock cipherdata encryptionsymmetricalgorithmsecret keysession keymaster keystoredigital envelopeauthenticated encryptionforward secrecychallenge responseauthentication codehashbased message authenticationscalar multiplicationprime fieldbinary fieldfinite fieldsilver papplemetal aluminumsodiumpotassiumcalciummagnesiumironnickeltitaniumvanadiumchromemanganesecobalthydrogensulfurphosphorusnitrogenoxygencytosineadeninethymineguanineuracildna rnamessenger rnabiolisticsgene guntransformationcloningreverse transcriptionpolymerase chain reactiongel electrophoresissouthern blotnorthern blotsingle nucleotide polymorphismrestriction fragment length polymorphismautosomal recessive disorderdominant traitcodominancepunnett squarepedigree chartgenetic counselingamniocentesischorionic villus samplingultrasound imagingelectromagnetic radiationradiation therapypositron emission tomographycomputed axial tomographymagnetic resonance imaginngfunctional magnetic resonancetranscranial magnetic stimulationdeep brain stimulatorye tracking devicevirtual realityaugmented realitywearable technologypersonal area networklocal access networkhome areanetworkcampusareawide areametroglobalwide localnationalregionalinternationaluniversalserial busfirewiretwisted pair cableoptical fiberradio wavefrequency modulationphase modulationpulse width modulationamplitude shift keyedison effectphotoelectric effectthermo electric effectsuperconductivityintegrated circuitmicroprocessorsemiconductor diodefield effectorphotovoltaicelectric motorgeneratoralternatortransformerturbinediesel engineinternal combustion enginenatural gascoalhydroelectricsolar powerwind energygeothermal energynuclear fissionfusion reactorbiofuelsrenewable non renewableclean dirtygreenhouse gasesparticulatescarbon monoxidevolatile organic compoundsmoking lung cancerchronic obstructive pulmonary diseasedioxinsfuransheavy metalsenvironmental impact assessmentenvironmentalistrecyclingcompostinglandfillsolid waste managementwater treatmentresource recoveryair pollution controlnoise abatementenergy conservationtraffic calmingurban planningcivil engineeringstructural engineertransportation plannerlandscape architectarchitectural historianfacade preservationisthistoric preservationistsustainable designheritage registerbuilding codesafety regulationsoccupational health and safetywildlife biologistforesterfisheries scientistrange managerpark rangermarine biologistsoil scientistsurveyorsustainability coordinatorenergy auditorclimate change analystpollution preventionprofessional engineersociety environmentaldesignarchitectureconstruction cement asphaltsteel woodglass plasticcomposite materialsgreen roofswatershedforest ecosystemcoralseagrass mangrove wetlands prairie savannah desert tundra borealsnow ice permafrostglacier estuary riverlakepondstreams springaquifergroundwatersurface waterdrinking potablereclaimed grey black brackishstorm sewercombined sewershunting fishing trappingspecies extinctionendangered threatened invasive alien migratorygame specieshabitat lossfragmentation corridorsedgeeffect keystonepredatorprey relationshipcarrying capacitypopulation dynamicsbirth death rateimmigration emigrationgrowth curvesurvivorshipcurvesdensity dependent factorslimitingoxygen nutrient cyclingprimary productionsecondary productivityfood web trophiclevelsapex omnivoreherbivore carnivoremicrobe scavengerdetritivorsymbiosismutualismcommensalismparasitismcompetitioncamouflage warning coloration mimicryplant animal interactionsseed dispersalevolutionaryadaptationsnatural selectionmutation genetic driftfounder bottleneckspeciationphylogeneticsystematics taxonomy cladisticsbiospherelifespan reproductionagingdevelopmentphysiologybehaviorcommunicationlearningmemoryconsciousnessthoughtlanguageinstinctculturetool useproblem solvingplayterritorialitysocial structure dominance hierarchycourtshipsocial bondsembodied cognitionsexual selectionmate choiceparentalinvestmentkinselection reciprocitygroup altruismsociobiologyanimal behavior ethologistornithologistprimatelogistichthyologistmalacologistanthropodenudatezoologietherizinosaurpaleontologicalaeontologytaxidermistvertebrate invertebratemammalogistavian ornithopodsaurischia saurosquamatescrocodile alligator testudines turtle tortoise lizard snake gecko chameleon iguanidsalamander newts frogstoadapecilia killifish platies swordtails mollies bettascharacin tetras cyprinds catfish loaches suckermouth armoured loricariidae sunfish bass perch mullettuna salmon trout char shark rays skates saw fish lamprey hagfish cartilage bone jaw less myxiniformes petromyzontiformeshuman prehistoryanthropogenyhomo habilishomo erectushomo neanderthalensisdennisi densovahabiliserectuseuropeasiaticafricasiamericaoceaniaantarcticaneolithicbronze iron ageclassical medievalrenaissanceearly moderncontemporarymodern postmoderneconomic anthropologypolitical archaeologyhistorical linguisticslinguistic anthropologypsychological ethnobotanyfolklore mythologyhuman geographyphysical cultural tourism medical climatology hydrology glaciology geomorphologies pedogeographies palaeogeographies coastal ocean remote sensing regional science spatial demography urban rural settlement environmental studies development land use political transportation marketing economics psychology sociology theology communication criminology law education library information military public administration social welfare recreation sport architecture creative writing film literature music philosophy history mathematics statistics biology chemistry computer earth physics astronomy agriculture botany ecology forestry genetics zoologybusiness government nonprofit sectorshealthcare insurance pharmaceutical manufacturing retail service advertising branding digital media journalism public relations publishing entertainment event hospitality sports travel leisure arts crafts fashion beauty food beverage