{"id":40001,"date":"2023-11-24T23:56:00","date_gmt":"2023-11-24T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=40001"},"modified":"2025-11-23T10:25:06","modified_gmt":"2025-11-23T02:25:06","slug":"%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/","title":{"rendered":"\u5a01\u58eb\u548c\u842c\u58eb\u9054\u4fe1\u7528\u5361\u7db2\u8def\u7684\u5e7e\u5927\u53ef\u80fd\u5a01\u8105"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/#%E5%8F%8D%E5%A3%9F%E6%96%B7%E8%AA%BF%E6%9F%A5\" >\u53cd\u58df\u65b7\u8abf\u67e5<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/#%E5%95%86%E5%AE%B6%E6%8E%A7%E5%91%8A\" >\u5546\u5bb6\u63a7\u544a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/#Zelle\" >Zelle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/#FedNow\" >FedNow<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/#Wero\" >Wero<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/#%E9%8A%80%E8%81%AF%E5%8D%A1\" >\u9280\u806f\u5361<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/#%E5%95%86%E5%AE%B6%E8%87%AA%E6%8E%A8%E6%89%A3%E6%AC%BE%E7%B3%BB%E7%B5%B1\" >\u5546\u5bb6\u81ea\u63a8\u6263\u6b3e\u7cfb\u7d71<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/#%E7%B5%90%E8%AB%96\" >\u7d50\u8ad6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%b6%b2%e8%b7%af%e7%9a%84%e5%b9%be%e5%a4%a7%e5%8f%af%e8%83%bd%e5%a8%81%e8%84%85\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8F%8D%E5%A3%9F%E6%96%B7%E8%AA%BF%E6%9F%A5\"><\/span>\u53cd\u58df\u65b7\u8abf\u67e5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5a01\u58eb\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aV\uff09\u548c\u842c\u58eb\u9054\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aMA\uff09\u5169\u5927\u4fe1\u7528\u5361\u7db2\u8def\u516c\u53f8\uff0c\u5728\u5168\u7403\u5404\u5730\uff0c\u6bcf\u5e74\u5e7e\u4e4e\u90fd\u6703\u88ab\u5404\u570b\u7684\u53cd\u58df\u65b7\u8abf\u67e5\uff0c\u4f46\u662f\u7e3d\u80fd\u5b89\u7136\u812b\u8eab\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%95%86%E5%AE%B6%E6%8E%A7%E5%91%8A\"><\/span>\u5546\u5bb6\u63a7\u544a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u548c\u4e0a\u9762\u7684\u60c5\u5f62\u5f88\u985e\u4f3c\uff0c\u5169\u5927\u4fe1\u7528\u5361\u7db2\u8def\u516c\u53f8\uff0c\u5728\u5168\u7403\u5404\u5730\uff0c\u6bcf\u5e74\u5e7e\u4e4e\u90fd\u6703\u88ab\u5404\u5927\u5546\u5bb6\u544a\u4e0a\u5404\u5730\u7684\u6cd5\u9662\uff0c\u8981\u6c42\u8abf\u964d\u5237\u4e0a\u7684\u624b\u7e8c\u8cbb\u3002\u4f46\u7d50\u5c40\u5e7e\u4e4e\u90fd\u662f\u5169\u5927\u4fe1\u7528\u5361\u7db2\u8def\u516c\u53f8\u7372\u52dd\uff0c\u81f3\u4eca\u4e0d\u52d5\u5982\u5c71\uff0c\u5546\u5bb6\u4e5f\u7121\u53ef\u5948\u4f55\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Zelle\"><\/span>Zelle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>2017\u5e746\u6708\u6642\uff0c\u7f8e\u570b\u9280\u884c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aBAC\uff09\u3001Truist\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aTFC\uff09\u3001\u7b2c\u4e00\u8cc7\u672c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aCOF\uff09\u3001\u6469\u6839\u5927\u901a\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aJPM\uff09\u3001PNC \u9280\u884c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aPNC\uff09\u3001\u5408\u773e\u9280\u884c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aUSB\uff09\u548c\u5bcc\u570b\u9280\u884c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aWFC\uff09\u6210\u7acb\u4e86\u4e00\u500b\u8ca1\u5718\uff0c\u958b\u767c\u4e86<a href=\"https:\/\/en.wikipedia.org\/wiki\/Zelle\" target=\"_blank\" rel=\"noreferrer noopener\">Zelle<\/a>\u3002Zelle\u7684\u524d\u8eab\u662f\u9019\u4e9b\u9280\u884c\u6240\u57282011\u5e744\u6708\u63a8\u51fa\u7684clearXchange\u652f\u4ed8\u7cfb\u7d71\u3002<\/p>\n\n\n\n<p>Zelle\u53ef\u4ee5\u8b93\u9867\u5ba2\u2f64\u2f3f\u6a5f\u548c\u5e73\u677f\u5f9e\u2f83\u2f30\u7684\u9280\u2f8f\u5e33\u2f3e\u8f15\u9b06\u628a\u9322\u8f49\u5230\u5225\u7684\u5e33\u2f3e\uff0c\u2f64\u610f\u662f\u8207\u8c9d\u5bf6\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aPYPL\uff09\u7b49\u65b0\u8208\u7684\u652f\u4ed8\u65b9\u5f0f\u7af6\u722d\u3002Zelle\u662f\u4e00\u9805\u7f8e\u570b\u9280\u884c\u696d\u548c\u652f\u4ed8\u696d\u7684\u91cd\u2f24\u2fa5\u7a0b\u7891\uff0c\u7f8e\u570b\u9280\u2f8f\u696d\u672c\u4e16\u7d00\u91cd\u2f24\u2f40\u4ed8\u67b6\u69cb\u7684\u5e03\u5efa\u9081\u5165\u7b2c\u2f00\u968e\u6bb5\u3002\u7f8e\u570b\u57fa\u790e\u8a2d\u65bd\u843d\u5f8c\u591a\u5e74\uff0c\u5982\u4eca\u4ee5\u5168\u570b\u6027\u7684\u57fa\u790e\u8a2d\u65bd\u6025\u8d77\u76f4\u8ffd\u3002\u7f8e\u570b\u9019\u5957\u7cfb\u7d71\u2f00\u5468\u4e03\u5929\u3001\u2f00\u592924\u2f29\u6642\u904b\u4f5c\uff0c\u8b93\u6d88\u8cbb\u8005\u548c\u4f01\u696d\u80fd\u5373\u6642\u9032\u2f8f\u9280\u2f8f\u5e33\u2f3e\u4e4b\u9593\u7684\u8cc7\u2fa6\u79fb\u8f49\uff0c\u4e14\u9644\u5e36\u7684\u8cc7\u8a0a\u8f03\u5176\u4ed6\u2f40\u4ed8\u7cfb\u7d71\u8c50\u5bcc\uff0c\u4f8b\u5982\u5305\u542b\u4ea4\u6613\u78ba\u8a8d\u7b49\u8a0a\u606f\u3002<\/p>\n\n\n\n<p>Zelle\u63d0\u4f9b\u7f8e\u570b8,600\u842c\u7684\u884c\u52d5\u9280\u884c\u5ba2\u6236\u4f7f\u7528\uff0c\u5b83\u8207\u65e2\u6709\u4e00\u822c\u6578\u4f4d\u652f\u4ed8\u5e73\u53f0\u5197\u9577\u7684\u7b49\u5f85\u6642\u9593\u4e0d\u540c\uff0cZelle\u5728\u5e7e\u5206\u9418\u5167\u4fbf\u53ef\u79fb\u8f49\u8cc7\u91d1\u3002\u96d6\u7136\u9280\u884c\u65e9\u6709\u5373\u6642\u8f49\u5e33\u7684\u670d\u52d9\uff0c\u4f46\u4ecd\u8981\u6c42\u7528\u6236\u5177\u5099\u5e33\u6236\u4ee5\u53ca\u532f\u6b3e\u5e33\u6236\u7684\u532f\u6b3e\u8def\u5f91\u865f\u78bc\u3002\u76f8\u8f03\u4e4b\u4e0b\uff0cZelle\u7528\u6236\u53ea\u9700\u8981\u5c0d\u65b9\u7684\u96fb\u5b50\u4fe1\u7bb1\u4ee5\u53ca\u96fb\u8a71\u865f\u78bc\uff0c\u5373\u53ef\u532f\u6b3e\u3002<\/p>\n\n\n\n<p>2017\u5e74\u7684\u9996\u5e74\u63a8\u51fa\u6642\uff0c\u5b83\u7684\u4ea4\u6613\u91cf\u5c31\u8d85\u904e\u4e86\u8c9d\u5bf6\u7684Venmo\u8655\u7406\u7684\u4ea4\u6613\u91cf\u3002Zelle\u64f4\u5c55\u5f88\u5feb\uff0c\u622a\u81f3 2022 \u5e74\uff0c\u5728 1600 \u591a\u5bb6\u91d1\u878d\u6a5f\u69cb\u7684\u652f\u6301\u4e0b\uff0c80% \u7684\u7f8e\u570b\u4eba\u53ef\u4ee5\u900f\u904e\u5176\u9280\u884c\u61c9\u7528\u7a0b\u5f0f\u9023\u63a5\u5230 Zelle\u30022022 \u5e74\u4e0a\u534a\u5e74\uff0cZelle \u6bcf\u5929\u7684\u4ea4\u6613\u984d\u8d85\u904e 16 \u5104\u7f8e\u5143\u3002Venmo\u7b49\u65b0\u8208\u652f\u4ed8\u65b9\u5f0f\u6703\u6536\u53d6\u670d\u52d9\u8cbb\u7528\uff0c\u800c Zelle \u9644\u5c6c\u9280\u884c\u5247\u4e0d\u6536\u53d6\u8cbb\u7528\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FedNow\"><\/span>FedNow<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7f8e\u570b\u806f\u6e96\u6703\u5df2\u57282023\u5e747\u6708\u63a8\u51fa\u4e86\u5404\u754c\u671f\u5f85\u591a\u5e74\u7684\u300cFed Now\u300d\u5373\u6642\u2f40\u4ed8\u670d\u52d9\uff0c\u6700\u7d42\u53ef\u8b93\u7f8e\u570b\u2ea0\u773e\u96a8\u6642\u65bc\u5e7e\u79d2\u9418\u5167\u767c\u9001\u548c\u63a5\u6536\u8cc7\u2fa6\uff0c\u4ee5\u73fe\u4ee3\u5316\u7f8e\u570b\u7684\u2f40\u4ed8\u7cfb\u7d71\u3002Fed Now\u820741\u5bb6\u9280\u2f8f\u548c15\u5bb6\u7372\u5f97\u8a8d\u8b49\u7684\u670d\u52d9\u5546\u5408\u4f5c\u63a8\u51fa\uff0c\u5305\u62ec\u2f00\u4e9b\u793e\u5340\u9280\u2f8f\u548c\u6469\u6839\u2f24\u901a\u3001\u7d10\u7d04\u6885\u9686\u9280\u2f8f\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aBK\uff09\u53ca\u5408\u773e\u9280\u2f8f\uff08US Bancorp \uff09\u7b49\u2f24\u578b\u9280\u2f8f\u696d\u8005\uff0c\u4f46\u7f8e\u570b\u806f\u6e96\u6703\u8a08\u5283\u4eca\u5e74\u6703\u52a0\u5165\u66f4\u591a\u9280\u2f8f\u548c\u4fe1\u2f64\u5408\u4f5c\u793e\u3002<\/p>\n\n\n\n<p>\u76f8\u8f03\u65bcBlock\uff0cVenmo\u6216PayPal\u7b49\u4f5c\u70ba\u9280\u2f8f\u9593\u4e2d\u4ecb\u2f08\u7684\u7aef\u5c0d\u7aef\u2f40\u4ed8\u7cfb\u7d71\uff0c\u900f\u904eFed Now\u9032\u2f8f\u7684\u2f40\u4ed8\u5c07\u76f4\u63a5\u5728\u592e\u2f8f\u5e33\u2f3e\u7d50\u7b97\u3002Fed Now\u4e0d\u6703\u5411\u6d88\u8cbb\u8005\u6536\u8cbb\uff0c\u4f46\u9084\u4e0d\u6e05\u695a\u53c3\u8207\u7684\u9280\u2f8f\u696d\u8005\u662f\u5426\u6703\u3001\u6216\u5982\u4f55\u8f49\u5ac1\u8207\u8a72\u670d\u52d9\u76f8\u95dc\u7684\u8cbb\u2f64\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wero\"><\/span>Wero<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7531\u5fb7\u610f\u5fd7\u9280\u884c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aDB\uff09\u3001\u6cd5\u570b\u5df4\u9ece\u9280\u884c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aBNPQF\u548cBNPQY) \u548cWorldline\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aWWLNF\u548cWRDLY\uff09\u7b4916 \u5bb6\u6b50\u6d32\u9280\u884c\u548c\u652f\u4ed8\u8655\u7406\u5546\u5275\u5efa\u4e86Wero\uff0c\u8a72\u7cfb\u7d71\u7684\u76ee\u6a19\u6700\u7d42\u5e0c\u671b\u8b93\u6b50\u6d32\u5ba2\u6236\u900f\u904e\u81ea\u5df1\u7684\u9280\u884c\u5e33\u6236\uff0c\u800c\u4e0d\u662f\u5a01\u58eb\u548c\u842c\u58eb\u9054\uff0c\u8207\u4e00\u5bb6\u4f01\u696d\uff08\u4f8b\u5982\u4e00\u5bb6\u666e\u901a\u5546\u5bb6\uff09\u9032\u884c\u7d50\u7b97\uff1b\u56e0\u70ba\u9019\u6a23\u5b50\u5c31\u80fd\u907f\u958b\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u5361\u5411\u6b50\u6d32\u5546\u5bb6\u6536\u53d6\u6578\u5341\u5104\u7f8e\u5143\u7684\u5237\u5361\u8cbb\u3002<\/p>\n\n\n\n<p>Wero \u80cc\u5f8c\u7684\u516c\u53f8\u6b50\u6d32\u652f\u4ed8\u5021\u8b70(European Payments Initiative) \u57f7\u884c\u9577 Martina Weimert \u544a\u8a34\u5f6d\u535a\u793e\uff0c\u65b0\u7684\u652f\u4ed8\u5e73\u53f0\u63d0\u4f9b\u300c\u570b\u969b\u89e3\u6c7a\u65b9\u6848\u7684\u66ff\u4ee3\u65b9\u6848\uff0c\u4ee5\u4fbf\u70ba\u6b50\u6d32\u53c3\u8207\u8005\u548c\u6d88\u8cbb\u8005\u63d0\u4f9b\u6b50\u6d32\u7684\u9078\u64c7\u300d\u3002<\/p>\n\n\n\n<p>\u6839\u64da2024 \u5e74 7 \u6708\u6642\u7684\u8072\u660e\uff0cWero \u8a08\u5283\u65bc\u590f\u672b\u5728\u5fb7\u570b\u90f5\u653f\u9280\u884c\u555f\u52d5\u500b\u4eba\u5c0d\u500b\u4eba\u652f\u4ed8\u670d\u52d9\uff0c\u65bc2024 \u5e74 7 \u6708\u5e95\u5728\u6bd4\u5229\u6642\u70ba KBC \u5ba2\u6236\u63a8\u51fa\u670d\u52d9\uff0c\u4e26\u65bc2024 \u5e74 10 \u6708\u5728\u6cd5\u570b\u958b\u59cb\u63d0\u4f9b\u670d\u52d9\u3002 <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%8A%80%E8%81%AF%E5%8D%A1\"><\/span>\u9280\u806f\u5361<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e2d\u570b\u7684\u9280\u806f\u5361\u662f\u76ee\u524d\u552f\u4e00\u4e00\u5bb6\u5920\u4efd\u91cf\uff0c\u800c\u4e14\u5be6\u8cea\u4e0a\u5df2\u7d93\u548c\u5169\u5927\u4fe1\u7528\u5361\u7db2\u8def\u516c\u53f8\u5728\u5168\u4e16\u754c\u9020\u6210\u9f0e\u8db3\u800c\u7acb\u7684\u53e6\u4e00\u5bb6\u5168\u7403\u6027\u7684\u4fe1\u7528\u5361\u7db2\u8def\u516c\u53f8\u3002\u7279\u5225\u662f\u5728\u4e2d\u570b\uff0c\u4ee5\u53ca\u83ef\u4eba\u6d88\u8cbb\u8f03\u591a\u7684\u570b\u5bb6\uff0c\u66f4\u662f\u5be6\u8cea\u58df\u65b7\u5230\u5169\u5927\u4fe1\u7528\u5361\u7db2\u8def\u516c\u53f8\u6c92\u6709\u8fa6\u6cd5\u548c\u5b83\u6297\u8861\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%95%86%E5%AE%B6%E8%87%AA%E6%8E%A8%E6%89%A3%E6%AC%BE%E7%B3%BB%E7%B5%B1\"><\/span>\u5546\u5bb6\u81ea\u63a8\u6263\u6b3e\u7cfb\u7d71<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5927\u578b\u7684\u5546\u5bb6\u7531\u65bc\u5c0d\u9019\u5169\u5927\u4fe1\u7528\u5361\u7db2\u8def\u516c\u53f8\u7684\u58df\u65b7\u5730\u4f4d\u6c92\u8f12\uff0c\u7d22\u6027\u81ea\u5df1\u63a8\u51fa\u5c6c\u65bc\u5546\u5bb6\u81ea\u5df1\u7684\u5404\u7a2e\u81ea\u52d5\u6263\u6b3e\u6216\u662f\u652f\u4ed8\u7cfb\u7d71\u3002<\/p>\n\n\n\n<p>\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u5361\u90fd\u900f\u904e\u5728\u7d50\u5e33\u6642\u4f7f\u7528\u5176\u6d41\u901a\u7684\u6578\u5341\u5104\u5f35\u5361\u4e2d\u7684\u4e00\u5f35\u6536\u53d6\u8cbb\u7528\u4f86\u8cfa\u9322\u3002 \u4e8b\u5be6\u8b49\u660e\uff0c\u9019\u662f\u4e00\u7a2e\u975e\u5e38\u6709\u5229\u53ef\u5716\u7684\u5546\u696d\u6a21\u5f0f\u3002 \u7136\u800c\uff0c\u5546\u5bb6\u5011\u5c0d\u4ed6\u5011\u5fc5\u9808\u652f\u4ed8\u7684\u9019\u4e9b\u6240\u8b02\u7684\u4ea4\u63db\u8cbb\u611f\u5230\u907a\u61be\u3002\u5927\u90e8\u5206\u4ea4\u6613\u90fd\u6d41\u5411\u5411\u6d88\u8cbb\u8005\u767c\u5361\u7684\u9280\u884c\uff0c\u800c\u4e0d\u662f\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u3002 \u5118\u7ba1\u5982\u6b64\uff0c\u5982\u679c\u96f6\u552e\u5546\uff08\u901a\u5e38\u5229\u6f64\u5df2\u7d93\u5fae\u8584\uff09\u80fd\u5920\u627e\u5230\u6e1b\u5c11\u652f\u4ed8\u76f8\u95dc\u8cbb\u7528\u7684\u65b9\u6cd5\uff0c\u4ed6\u5011\u5f88\u53ef\u80fd\u6703\u5690\u8a66\u3002<\/p>\n\n\n\n<p>\u76ee\u6a19\u767e\u8ca8\uff08Target\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aTGT\uff09\u5c31\u662f\u5176\u4e2d\u4e4b\u4e00\u3002 \u8a72\u516c\u53f8\u7684RedCard\u91d1\u878d\u501f\u8a18\u5361\uff0c\u8cfc\u7269\u8005\u6bcf\u5929\u5728\u5e97\u5167\u6216\u7dda\u4e0a\u8cfc\u7269\u53ef\u7bc0\u7701 5%\u3002 \u9019\u9805\u670d\u52d9\u7684\u7368\u7279\u4e4b\u8655\u5728\u65bc\u5b83\u76f4\u63a5\u5f9e\u5ba2\u6236\u7684\u652f\u7968\u5e33\u6236\u4e2d\u6263\u7e73\u8cc7\u91d1\uff0c\u5728\u4f7f\u7528\u8a72\u5361\u6642\u7121\u9700\u4f7f\u7528\u5a01\u58eb\u6216 \u842c\u58eb\u9054\u7684\u7db2\u8def\u3002<\/p>\n\n\n\n<p>2022 \u8ca1\u5e74\uff08\u622a\u81f3 1 \u6708 28 \u65e5\uff09\uff0c\u76ee\u6a19\u767e\u8ca81,080 \u5104\u7f8e\u5143\u7e3d\u71df\u6536\u7684 20% \u4f86\u81ea RedCard \u8a08\u5283\uff0c\u5176\u4e2d\u4e5f\u5305\u62ec\u4fe1\u7528\u5361\u7522\u54c1\u3002 \u8a72\u516c\u53f8\u6c92\u6709\u5831\u544a\u501f\u8a18\u5361\u7684\u91d1\u984d\uff0c\u4f46\u9019\u4e26\u4e0d\u662f\u4e00\u500b\u5c0f\u6578\u76ee\u3002 \u5982\u679c RedCard \u92b7\u552e\u984d\u7684 2% \u907f\u514d\u652f\u4ed8\u4ea4\u63db\u8cbb\uff0c\u76ee\u6a19\u767e\u8ca8\u5230 2022 \u5e74\u53ef\u4ee5\u7bc0\u7701 4.32 \u5104\u7f8e\u5143\uff0c\u9019\u4e00\u6578\u5b57\u61c9\u8a72\u4e3b\u8981\u6d41\u5165\u5229\u6f64\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u5176\u4ed6\u516c\u53f8\uff0c\u7279\u5225\u662f\u90a3\u4e9b\u4f9d\u8cf4\u91cd\u8907\u8cfc\u8cb7\u884c\u70ba\u7684\u516c\u53f8\uff0c\u4e5f\u9075\u5faa\u8207\u76ee\u6a19\u767e\u8ca8\u985e\u4f3c\u7684\u505a\u6cd5\u4e26\u5efa\u7acb\u76f4\u63a5\u652f\u4ed8\u6a5f\u5236\uff0c\u7d50\u679c\u6703\u5982\u4f55\uff1f \u4f8b\u5982\u7db2\u98db\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aNFLX\uff09\u6216\u8fea\u58eb\u5c3c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aDIS\uff09\u7b49\u516c\u53f8\u7684\u4e32\u6d41\u670d\u52d9\u3002 \u751a\u81f3\u5176\u4ed6\u5927\u578b\u96f6\u552e\u5546\uff0c\u5982\u597d\u5e02\u591a\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aCOST\uff09\u6216\u5bb6\u5f97\u5bf6\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aHD\uff09\u3002\u5947\u6ce2\u96f7\u58a8\u897f\u54e5\u71d2\u70e4\uff08Chipotle Mexican Grill\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aCMG\uff09 \u6216\u661f\u5df4\u514b\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aSBUX\uff09\u7b49\u53d7\u6b61\u8fce\u7684\u9023\u9396\u9910\u5ef3\u4e5f\u53ef\u4ee5\u8ddf\u9032\u3002<\/p>\n\n\n\n<p>\u7576\u7136\uff0c\u9700\u8981\u6fc0\u52f5\u6d88\u8cbb\u8005\u4e0d\u4f7f\u7528\u901a\u7528\u7684\u4fe1\u7528\u5361\uff0c\u800c\u662f\u6539\u8b8a\u4ed6\u5011\u7684\u652f\u4ed8\u504f\u597d\u3002 \u70ba\u6b64\uff0c\u516c\u53f8\u53ef\u80fd\u5fc5\u9808\u63d0\u4f9b\u4e00\u6b21\u6027\u6216\u6301\u7e8c\u7684\u6298\u6263\u3002 \u5982\u679c\u6c92\u6709\u8db3\u5920\u591a\u7684\u4eba\u8a3b\u518a\uff0c\u5b83\u6700\u7d42\u53ef\u80fd\u6703\u5931\u6557\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B5%90%E8%AB%96\"><\/span>\u7d50\u8ad6<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5373\u4f7f\u6709\u4e0a\u8ff0\u7684\u5e7e\u9805\u53ef\u80fd\u7684\u5a01\u8105\uff0c\u5a01\u58eb\u6216\u842c\u58eb\u9054\u4fe1\u7528\u5361\u7db2\u8def\u7684\u6295\u8cc7\u4eba\u4ecd\u4e0d\u5fc5\u675e\u4eba\u6182\u5929\uff0c\u56e0\u70ba\u9019\u4e9b\u90fd\u53ea\u662f&#8221;\u53ef\u80fd\uff02\u7684\u5a01\u8105\uff0c\u800c\u4e14\u6642\u5e38\u88ab\u4e00\u518d\u63d0\u51fa\u6703\u985b\u8986\u5a01\u58eb\u6216\u842c\u58eb\u9054\u4fe1\u7528\u5361\u7db2\u8def\u7684\u8b77\u57ce\u6cb3\u3002<\/p>\n\n\n\n<p>\u4e8b\u5be6\u662f\u2500\u2500\u2500\u5a01\u58eb\u6216\u842c\u58eb\u9054\u4fe1\u7528\u5361\u7db2\u8def\u81f3\u4eca\u5b89\u7136\u7121\u6059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"185\" height=\"129\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2023\/10\/card-1600x1200-1.jpg\" alt=\"\u4fe1\u7528\u5361\" class=\"wp-image-40096\"\/><figcaption class=\"wp-element-caption\">credit: navi.com<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\"><\/span>\u76f8\u95dc\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%E5%A8%81%E5%A3%AB%E6%88%96%E8%90%AC%E5%A3%AB%E9%81%94%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%B6%B2%E8%B7%AF%E7%9A%84%E5%B9%BE%E5%A4%A7%E5%8F%AF%E8%83%BD%E5%A8%81%E8%84%85\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5a01\u58eb\u548c\u842c\u58eb\u9054\u4fe1\u7528\u5361\u7db2\u8def\u7684\u5e7e\u5927\u53ef\u80fd\u5a01\u8105<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a 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