安心嘟手機銀包應用程式，全港FPS已登記之用戶適合使用，無須額外費用加添收款裝置，商戶於「安心嘟」後台以商戶賬戶登入，即可隨時隨地透過「安心嘟」收款。成功收款後會即時收到應用程式推送通知，安心可靠。
The "Hong Kong Intelligent Cashier" charging system with the "Hong Kong Intelligent Cashier" logo, which enables the establishment of secure encrypted connection channel between merchant QR code collection application and banking systems.
If the merchant is successfully verified, consumers can pay the merchant through "FPS". "Hong Kong Intelligent Cashier" can integrate more than 6 million "FPS" registered users with abundant service scenarios provided by merchant, which is a legal and safe bridge.
The merchant’s bundled bank successfully receives the payment, and the system automatically changes the display from red to green; making delivery of goods on site convenient and fast. Citizens who have registered for "Hong Kong Intelligent Cashier" can also receive electronic invoices issued by merchants immediately.
Due to the unique nature of electronic payment, it is difficult for both parties to verify the identity of each other, and key transaction data is easily stolen during network transmission, which leads to low user trust in electronic transactions and hinders large-scale promotion; in addition, There are different interface standards for "FPS" by various banks and it is difficult for merchants to connect banks one by one. On the basis of not compromising the convenience, "Hong Kong Intelligent Cashier" leverages on the Hongkong Post e-Cert (server) to establish a secure and encrypted connection channel between the business collection application and the banking system, providing the highest level of security for electronic payments; At the same time, "Hong Kong Intelligent Cashier" connects to the back end of each "FPS" supporting bank, and supports the company to receive money through the "FPS" in real time (T+0). The money is instantly transferred to the registered bank account designated by the merchant and received instant receipt notification, the merchant can check historical transaction records anytime and anywhere, thus improve and strengthen the legality, security and consistency, making the overall experience of electronic payment more stable and reliable, conducive to non-contact epidemic prevention and control, and daily face-to-face transaction can be done using the "Hong Kong Intelligent Cashier" app with the "Hong Kong Intelligent Cashier" logo, which is the best choice for contactless charging and a good facilitator for smart transactions.
In order to provide payment applications and their users (ie customers) with trust in the authenticity of merchant applications, the Hong Kong Association of Banks has formulated the App to App invocation specification for Faster Payment System, combining public key infrastructure (PKI) with certificate-based identity verification methods
To provide 24x7 support to verify the identity of the merchant and the user, confirming that the payment request comes from a genuine merchant.
"Hong Kong Intelligent Cashier" is designed in accordance with the standards of the Hong Kong Association of Banks and innovatively leverage on the Hongkong Post e-Cert (server) to establish a secure and encrypted connection channel between the business collection application and the banking system, providing the highest level of security for electronic payments, guarantee and ensures that the merchant application is authentic, and at the same time.
Scanning the QR code, ensure that the user experience is simple and convenient.
The complaint mechanism established by the Hong Kong Association of Banks further avoids risks caused by online fraud and other behaviors, provides users with an extra layer of protection, is conducive to non-contact prevention and control of the epidemic, and is a good facilitator to enhance the intelligence and fairness of "FPS" transactions.
At present, Standard Chartered Bank, HSBC and China Construction Bank have launched the "FPS" payment service based on mobile applications. In the future, it is expected that more than 20 banks will gradually open and expand to more banks in Hong Kong.
IT DIRECTOR
Speed up the development process of cashless payment in Hong Kong.
Mobile Applications Director
Provide existing systems and front-end pages for merchants to easily manage payment transaction.
Business Analyst
Speed up the development process of cashless payment in Hong Kong.
E-Commerce Specialist
For Hong Kong SMEs to conduct transactions with mobile payment.
Legitimacy: Verify that merchants have legal identities every year, and cooperate with citizens to verify the authenticity of merchant identities.
Security: to ensure the safety of the relevant information transmitted by both parties regarding the transaction, to ensure that transaction information and materials are not intercepted by others, and consumers do not need to repeatedly register in different online stores and disclose too much private information when shopping.
Convenience: After confirming the merchant's identity and payment amount, consumers can automatically open the "FPS" mobile application and choose their favorite bank for payment, which is convenient and easy to use.
Considering the the unique nature of market operations, the use of "Hong Kong Intelligent Cashier" as a contactless payment is not only convenient for public health, but also helps reduce the risk of spreading the 2019 coronavirus in the market environment.
From a macro perspective, the development of mobile payment is a global trend. "Hong Kong Intelligent Cashier" is highly portable and can be extended to more fields such as finance, e-commerce, healthcare, education, etc., which is conducive to improving Hong Kong's overall financial technology competitiveness, enhance the public's awareness and acceptance of financial innovation products, and promote the overall transformation of Hong Kong into a smart city.
