在“科技红利”扩大与“人口红利”衰减的背景下，效率和成本共同驱动各行各业往智能化发展。在支付领域，人工智能将给支付服务提供者带来巨大变革，取代许多重复性的工作，减少人工干预环节，促进企业由劳动密集型的“作业团队”转变为知识密集型的“智慧工厂”。

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优势主要表现在以下几个方面：

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

一是创新支付方式。以人工智能为代表的人脸识别、生物识别技术正改变传统支付方式，激励创新支付手段，促使涉及支付服务的相关行业创新其智能支付服务。

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.

二是提升用户支付体验。通过生物识别身份认证等方式为客户带来更快捷、更便利、更智能的消费体验，进一步提升了商家服务水平、节约了人工运营成本。

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.

三是提高运营效能。通过现实人脸图像与联网核查图像、客户身份证图像交叉比对，由人工智能算法引擎完成身份认证，从而加强了服务供给、提升了服务效率、提高了运营效能。

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，以人工智能为代表的人脸识别、生物识别技术，满足了消费者期待在一个POS机里解决所有支付方式（银行卡、移动支付、NFC、预付卡等）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.

相比传统POS机升级麻烦、功能单一、扩展性差、缺乏互动性等一系列问题, 天波Smart EFT POS TPS900增加了自主研发的天波云平台和3G、4G、Wi-Fi、Bluetooth通讯，支持多种支付方式，具有多种功能，是一个基于移动互联网云服务的专业智能终端。企业可借助云平台服务通过终端切入场景，将大数据分析应用于店铺管理，增加会员管理、客户营销、数据分析等运营方式。

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，该机器采用了指纹识别、人脸识别、虹膜等人工智能技术，除了支持NFC支付外，增加了二维码扫描支付、指纹支付及刷脸付等智能支付途径，并通过EMV L1&L2，PCI,FCC等金融认证。企业以智能支付为基础入口，可将商店与消费者连接起来，获取消费者消费需求，并对其进行精准营销，满足其情景化和个性化的需求，实现线上线下场景融合。

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.

简介：Telpo成立于1999年，是一家专业的智能终端提供商和ODM服务专家，覆盖销售点（POS）终端、生物识别收银机、人脸识别机、自助服务亭、公交售票机。TELPO天波国际已经为1000多个海外客户提供服务，包括平台运营商、银行、生物算法公司、运营商、技术公司。Telpo天波国际坚持研发创新，为全球合作伙伴提供更智能的硬件。