Genie
国家/地区: 斯里兰卡 (LK) | 底层清算轨道: closed_loop_wallet
DigitalWallet
市场普及率: 10%
Genie 是斯里兰卡首款获得 PCIDSS 认证的综合数字支付与金融科技应用，以安全存储银行卡一键快捷支付和微型信贷为核心，广泛用于斯里兰卡电商结账、公用事业在线缴费及扫码消费。
🔄 用户付款交互流 (User Flow)
- Customer selects Genie at merchant checkout
- Customer opens Genie app and scans QR or receives push authorization request
- Customer selects linked debit/credit card or Genie savings wallet
- Customer authenticates with biometric ID or OTP
- Transaction processes securely with PCIDSS tokenization
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant initiates checkout session with Genie Gateway / PSP
- Genie executes payment from vaulted card or wallet balance
- Instant payment confirmation transmitted to merchant system