为深入贯彻乡村振兴战略，推动农村支付服务环境建设，中国人民银行安阳市分行紧紧围绕"三农"领域 支付服务需求，在拓展智慧化场景上出新招，在助力产业发展上出真招，在促消费惠民生上出实招，促 进金融资源向县域农村地区倾斜，为乡村振兴"添砖加瓦"。 让乡村支付环境"新"起来 "以前收摊后对账要花两个小时，现在手机一点就能实时查看交易明细，真是太方便了，没想到咱们也 能体验到这么新潮的服务。"道口古街的一位非遗手工制作商家的感慨，说出了智慧化支付场景带来的 实际改变。 在道口古街改造升级期间，中国人民银行安阳市分行指导银行机构为古街商户提供一站式资金结算解决 方案，利用聚合收款码集成微信、支付宝、云闪付等全渠道支付方式，满足游客多元支付习惯，提升了 商户收银与对账记账效率。 为进一步拓展县域智慧化支付场景，中国人民银行安阳市分行联合政府部门建立县域金融服务联席机 制，指导多家银行机构拓展支付服务升级改造覆盖面，协助乡镇重点医院搭建"智慧医疗一体化平台"， 配备医疗自助服务终端机；推动银行机构与县域多所中学联合打造"智慧食堂"，实现师生"刷脸就餐"。 一个个支付智慧场景在县镇、乡村落地生根，将支付服务嵌入农村生产生活各个 ...

Core Viewpoint - The article discusses the evolution and impact of mobile payment systems in China, highlighting the innovations brought by the company "收钱吧" (Shouqianba) and its founder, Chen Hao, in addressing the challenges faced by small and medium-sized businesses in adopting digital payment solutions [2][4][20]. Group 1: Historical Context and Innovations - The first barcode was developed by Bernard Silver in 1948, significantly improving supply chain efficiency [1] - Masahiro Hara and his team at Denso developed the QR code, which can store 200 times more information than traditional barcodes, addressing the limitations of barcode technology [1] - In 2013, the introduction of 4G licenses in China and the launch of WeChat's red envelope feature marked the beginning of mobile payment adoption among Chinese consumers [4][5] Group 2: Company Development and Product Offerings - 收钱吧 launched the first aggregated payment code in 2015, allowing customers to pay using various mobile payment applications, enhancing transaction efficiency for merchants [8][9] - The company introduced the "智能音箱" (smart speaker) which provides real-time payment notifications, helping small merchants reduce the risk of payment disputes [11][9] - 收钱吧's "扫码王" (Scan Code King) product allows merchants to manage payment amounts and avoid issues related to price adjustments during transactions [11] Group 3: Market Position and Strategy - 收钱吧 has built a strong presence in the mobile payment industry, with over 1 million smart speakers deployed and a focus on serving small and medium-sized businesses [9][20] - The company aims to provide affordable digital solutions to small merchants, allowing them to compete with larger chains by leveraging technology [20][21] - 收钱吧 emphasizes cost control and operational efficiency as key competitive advantages in serving the fragmented market of small businesses [21] Group 4: Technological Integration and Future Directions - The company is transitioning from a payment intermediary to a comprehensive digital service provider, offering solutions like intelligent cash register systems for various retail scenarios [15][17] - 收钱吧 has partnered with Tencent Cloud to enhance its AI capabilities, providing data-driven insights and operational support to merchants [22][20] - The "全来店" (All-in-One Store) solution targets larger chain restaurants, integrating online and offline order management to streamline operations [22][20] Group 5: Industry Impact and Vision - The mobile payment penetration rate in China reached 98% by 2020, showcasing the rapid adoption of digital payment systems [14] - 收钱吧's innovations have become industry standards, contributing to the overall growth and efficiency of the mobile payment ecosystem in China [9][14] - The founder, Chen Hao, believes in the transformative power of technology for small businesses, emphasizing the importance of digital solutions in driving economic growth [27][20]