文 | 磐石之心
The heart of the rock.
3月21日下午，腾讯发布2018年第四季度及全年业绩报告。报告称，受金融科技服务、云服务、社交及视频广告、数字内容订购及销售的业绩高速增长推动，腾讯2018年总收入3126.94亿元，同比增长32%。
On the afternoon of 21 March, it released its performance report for the fourth quarter of 2018 and for the entire year. The report states that the high growth in performance, digital content ordering and sales, driven by the high growth in financial and technological services, cloud services, socialization and , resulted in a total revenue of $312,694 million in 2018, an increase of 32 per cent.
在财报中，腾讯特别强调“支付是公司关键基础设施平台之一”，肯定了腾讯金融科技在线上与线下支付场景创新的价值。近日，被用户广泛好评的乘车码、区块链电子发票正是出自腾讯金融科技。
In the financial statements, special emphasis is placed on “payment as one of the company’s key infrastructure platforms” to affirm the value of online and off-the-shelf innovation in financial technology. In recent days, e-invoices in the serial chains, which have been widely appreciated by users, have been derived from telecommunication finance technology.
3月18日，全国首张轨道交通区块链电子发票在深圳地铁福田站开出，深圳市民用微信乘车码扫码乘坐地铁出行结束后，即可在线开具区块链发票。
On 18 March, the country's first electronic invoice for the orbital transport block chain was opened at the Shenzhen subway station, where the residents of Shenzhen could be invoiced for the block chain online upon completion of their journey by means of a micro-mail car code sweep.
“乘车码+区块链发票”让市民乘车完全不再需要经历繁琐的排队购票、退票、开发票流程。乘客无需在车站内逗留，提高了出行效率。地铁公司也不要设置专门的卖票、开发票窗口，节省了人力资源、纸张，既低成本，又高效、环保。
The Car Code + Block Chain Invoices completely eliminates the need for citizens to travel through cumbersome queues, refunds, and invoicing processes. Passengers do not have to stay in the station, increasing the efficiency of travel.
在数千多万人口的北上广深，公共交通出行是民生大事。腾讯利用科技的力量打造了公共交通出行的在线购票、支付和开发票全流程闭环，让民生工程更暖人心。
In the north, where tens of millions of people live, public transport travel is a matter of concern. Using the power of technology, the Internet-based process of buying, paying and invoicing for public transport travel has been closed, making the work of the people warmer.
乘车码+区块链发票，让我爱上地铁出行
by car code > + block chain invoice >........................................................................................................
我经常去北京、深圳、上海等城市出差。由于机场距离市区较远，打车费用高且容易拥堵，因此乘坐地铁、公交是最佳的选择。
I travel often to cities like Beijing, Shenzhen, Shanghai, etc. Because of the distance of the airport from the city, the cost of taxis and the ease of congestion, it is best to travel by subway and bus.
以前，每次乘坐地铁都需要先换零钱购买乘车卡，后来一些城市的无人售票机有了移动支付售票，免去了找零的麻烦。但是并不是每个地铁站的无人售票机都支持，所以还是要备一些零钱，以应不时之需。
In the past, every time a train ride requires change of money to buy a car truck, and in some cities when a no-sale machine had a mobile payment ticket, it was avoided. But not every subway no-seller supported it, so some change should be made in order to be needed from time to time.
还有一些城市，想要扫码乘车必须下载独立APP，然后用手机号注册才可以扫码通过地铁站闸机。对于到这些城市旅游、出差的人来说，下载一款并不常用的APP，真的很不情愿。
There are other cities that have to download a stand-alone APP if they want to clear a car, and then register with a cell phone number to clear a subway gate. It is very reluctant for people who travel to these cities to download an unwanted APP.
图：乘车码小程序内开区块链发票
Figure: Invoices for open block chains in car code applets
然而，每次去深圳都会感觉毫无压力，因为深圳的地铁都支持乘客码扫码乘车。打开微信，搜索“乘车码”小程序，一扫即可上车，整个过程也就2秒钟。
However, every time you go to Shenzhen, there is no pressure, because Shenzhen's subway supports passenger code-scanning by car. Open the micro-mails and search for the "car code" program, so you can get in as soon as you can. It's only two seconds.
前几日，又去深圳出差，回来后就得知深圳地铁可以在线开区块链发票了。我调出乘车码小程序，找到在深圳乘坐地铁的记录，然后开了我人生中第一张区块链发票。
The other day, he went to Shenzhen for a business trip, and when he came back, he learned that Shenzhen subway could open an online block-link invoice. I pulled out a car-coded application, found a log of the subway in Shenzhen, and opened the first block-chain invoice in my life.
图：普通发票
Figure: General invoices
图：区块链发票（密码区是哈希加密）
Figure: Block chain invoice (code area is Hashi encrypted)
仔细对比发现，区块链发票与普通发票的差别在于“密码区”。相比普通发票，区块链发票的密码区是一段哈希加密字符，比普通发票更安全，不可重复，不可篡改。开了区块链发票后，一键可以分享给公司会计的微信，完成报销。
compares carefully that the difference between block chain invoices and ordinary invoices is in the “code area”. Compared to ordinary invoices, the block chain invoice code area is a Hushi encryption character, which is safer, non-repeatable and non-rogue than the normal invoice. Once the block chain invoice has been opened, a key can be shared with the company's accountant's micro-letters to complete the reimbursement.
目前，乘车码服务已经覆盖深圳、上海、广州、北京等超过 110 座城市，支持BRT、公交、地铁、索道、轮渡等智慧交通移动支付场景。区块链发票已经在深圳地铁、沃尔玛、招商银行(600036)、微信支付商户等场景中上线，接下来将推广到全国的各种民生、消费场景中。
Currently, there are more than 110 cities in Shenzhen, Shanghai, Guangzhou, Beijing, and support the BRT, bus, subway, stellar, ferry, and other smart traffic movement payment scenes. Block chain invoices are already on line in Shenzhen subway, Wal-Mart, (600036), micro-payment businesses, which will then be extended to various human and consumer sites throughout the country.
腾讯推出的黑科技——“乘车码+区块链发票”让我爱上了地铁出行，更愿意身体力行地为社会做环保。我想，这就是科技给民生，给社会带来的正能量。
The black technology that was introduced by the Stewardship – “Invoices for the Car Code + Block Chain” – has made me fall in love with the subway and prefer to work physically to protect society. This, I think, is the positive energy that technology brings to the lives of people and to society.
“黑科技”的背后是低调的腾讯金融科技
Behind the "Black Technology" is the low profile of "Technology and Financial Technology"
可能每个人都在用微信支付、QQ钱包、理财通，也有很多用户开始使用乘车码、区块链发票。这些“黑科技”大大方便了我们的生活。但你或许并不知道，这些产品都出自腾讯金融科技（腾讯FiT）。
Maybe everyone's paying in micromails, QQ wallets, money management, and a lot of users are starting to use car codes, block-chain invoices. These "black technologies" make our lives much easier. But you may not know that these products come from the telecommunication finance technology.
腾讯金融科技的前身是2005年就成立的腾讯财付通。2015年9月，腾讯将原支付、理财、征信等业务整合成腾讯支付基础平台和金融应用线（FiT），隶属企业发展事业群（CDG）。
In September 2015, Tetsu merged the original payments, financial management, letters, etc. into the FIT, which is part of the Enterprise Development Group (CDG).
据腾讯2018年度财报，2018年腾讯总收入的增长，主要是受金融科技服务、云服务、社交及视频广告、数字内容订购及销售的推动。其中，腾讯在2018年的日均总支付交易量超过10亿次。2018年腾讯的商业支付收入同比增长逾一倍。腾讯的支付平台与数以千万计的商户连接，于2018年第四季，月活跃商户同比增长逾80%。
According to the Treasury Report 2018, the increase in gross revenue in 2018 was driven mainly by financial and technological services, cloud services, social and video advertising, digital content ordering and sales. Of this, the total daily volume of trade transactions in 2018 was more than 1 billion. The revenue from commercial payments in 2018 was more than double. The payment platform for the bulletin was connected to tens of millions of businesses, and in the fourth quarter of 2018, the monthly growth rate for active businesses was more than 80 per cent.
于2018年底，财富管理平台「腾讯理财通」协助管理的客户资产超过人民币6000亿元。
At the end of 2018, the wealth management platform "Treat the money" helped manage more than RMB 600 billion in customer assets.
腾讯金融科技持续创新移动支付场景，2017年7月推出的乘车码就是拓展线下支付市场的出色案例。
The continued innovation of financial science and technology in mobile payment scenes, launched in July 2017 by car codes, is an excellent example of expanding the under-line payment market.
通过乘车码服务，腾讯将移动支付业务拓展至公共出行领域。公共出行是非常高频的移动支付入口，乘车码完成了线上支付与线下出行的连接。
Public travel is a very high-frequency mobile payment entrance, which completes the connection between on-line payments and off-line travel.
腾讯公司副总裁郑浩剑曾多次公开表示：“腾讯希望通过乘车码，将移动支付技术与公交出行场景、行业生态融合发展连接起来，深耕智慧交通，落实绿色出行理念。”
On a number of occasions, the Vice-President of RTC, Jung Hao, has publicly stated: “It is hoped that mobile payment technology will be linked by car code to the public handing over of the landscape, industry eco-integrated development, deep-ploughing intelligent traffic, and the concept of green travel will be implemented”.
图：腾讯公益寻人链
Figure: Tendering public goods to search for human beings
在非常火热的区块链领域，腾讯金融科技也早有布局。自2015年开始就独立开发了区块链技术，相继开放了区块链开发平台。腾讯区块链技术相继被应用在公益寻人、供应链金融、物流、医疗以及税务等领域。
In the hot area of block chains, tether finance technology is also well-arranged. Block chain technology has been independently developed since 2015 and subsequently opened up the block chain development platform. The tether block chain technology has been applied successively in such areas as public-interest searchers, supply chain finance, logistics, medical care and .
2018年推出的“区块链电子发票”就是按照国家税务总局的工作部署，深圳市税务局承接试点，腾讯区块链提供底层技术，是一种应用“区块链+发票”生态体系的新型电子发票。
The Electronic Invoice for Block Chains, introduced in 2018 by
2018年8月，深圳国贸旋转餐厅开出全国第一张区块链发票。半年后，深圳每个月就能开出近100万张区块链发票。目前，逛深圳的沃尔玛，使用招商银行购物都能在线开区块链发票，方便快捷，又绿色环保。
Six months later, Shenzhen will be able to open nearly 1 million block-chain invoices every month. Currently, Wal-Marts in Shenzhen are able to open block-chain invoices online using commercial banking.
通过“乘车码+区块链发票”，腾讯实现了公共出行的全流程闭环。腾讯将金融科技与政务结合，方便民生的同时，也推动政务的数字化变革。
Through the Car Code + Block Chain Invoice, public travel is shut down. It combines financial science and technology with government to make it easier for people to live while also promoting digital change in government.
腾讯金融科技的网购支付、12306购票、生活缴费、零钱通、理财、保险、乘车码、区块链发票等，全都关系着民生。围绕民生工程，利用金融科技建立线上支付与线下生活服务的各种连接，打造全流程闭环体验，也成为腾讯金融科技的愿景。
Net purchase payments, 12306 purchase tickets, living fees, pocket money, money management, , car codes, block-link invoices, etc. are all connected to people's lives.
以金融科技力量做产业互联网得力助手
2018年10月，腾讯进行第三次组织架构调整，并宣布全面进军产业互联网。腾讯将自己在产业互联网中的角色定义为“数字化助手”，帮助各行各业进行数字化的转型。移动支付是腾讯助力各行各业数字化转型的最重要工具之一。
In October 2018, Tetsu launched its third organizational restructuring and announced its full-scale access to the Internet. Tetsu defined his role in the Internet as a “digital assistant” to help the industries in their digital transformation. Mobile payments are one of the most important tools to help the industries in their digital transformation.
腾讯在2018年度财报中写道：“支付是公司关键基础设施平台之一，有助我们及商业伙伴完成在线及线下服务的交易。”
“Payment is one of the company's key infrastructure platforms that helps us and our business partners to complete transactions for online and offline services.” ()
腾讯董事局主席兼首席执行官马化腾先生在2018年度业绩报告会上表示：
Mr. Machemten stated in his performance report for 2018:
“我们增强了移动支付领域的领先地位，并丰富了金融科技服务的产品。通过公司的战略升级，以及持续的投资及创新，我们将可促进消费互联网的发展，并为合作伙伴和我们发挥产业互联网的潜力。”
“We have increased our leadership in mobile payments and enriched the products of financial science and technology services. Through strategic upgrading of companies, as well as sustained investment and innovation, we will promote the growth of the consumer Internet and harness the potential of the industrial Internet for our partners and for us.”
另据益普索公布的《2018第四季度第三方移动支付用户研究报告》，在线上消费类交易中，财付通基本与支付宝平分秋色；在线下消费类交易中，财付通更胜一筹。
Also published in Lipso is the Study of Users of the Fourth Quarter of Third Party Mobile Payments, where, in consumer-type transactions on-line, the share of wealth is roughly equal to that of payment money; and in consumer-type transactions below-line, the balance of money is better.
在线上消费类交易中，支付宝的交易金额和笔数份额分别为46%和43%，财付通分别为42%和46%。在线下消费类交易中，财付通的交易金额和笔数占比分别为49%和54%，并维持了对支付宝(占比分别为41%和39%)的领先优势。
In online consumer-type transactions, 46% and 43% of the amount and amount of the payment treasures were paid, 42% and 46% respectively. In off-line consumer-related transactions, 49% and 54% of the transactions and the amount of the payments were paid, respectively, and a leading advantage was maintained for the payment treasures (41% and 39%, respectively).
未来，腾讯金融科技必将以服务民生为愿景，打造各种场景下的“金融连接器”，让腾讯金融科技成为商业企业、政府机构实现数字化转型的得力助手。
In the future, it will be necessary to build a “financial connector” in various contexts, with a vision of serving the lives of the people, so that it can become an effective assistant to business enterprises and government agencies in their digital transformation.
（作者磐石之心，互联网财经作家，《解密小米》《互联网黑洞》作者；2018年中国十大科技自媒体。）
(author Rock Heart, Internet Finance Writer, Declassified Mi, " Black Hole on the Internet " ; China's ten major technologies are self-media in 2018).
1、微信搜索乘车码小程序；
1. Micromail search small car code procedures;
2、我的-乘车记录；
2. My-car records;
3、点开乘车记录；
3-point driving records;
4、点下方的开具发票。
4. Invoices are issued at the bottom of the point.
本文首发于微信公众号：磐石之心。文章内容属作者个人观点，不代表和讯网立场。投资者据此操作，风险请自担。
The article is based on the author’s personal opinion and does not represent the network’s position.
注册有任何问题请添加 微信：MVIP619 拉你进入群
打开微信扫一扫
添加客服
进入交流群
发表评论