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Virtual Piggy在线支付,家长看得到

如果家长们发现自己十几岁的孩子在他们不知情的情况下用信用卡或者借记卡在网上支付了很多账单,他们可能需要一个好的方法来阻止这种事情再次发生。这也是Virtual Piggy公司存在的目的之一。

Hermosa Beach公司主打的app叫做“Oink:你的数字家庭钱包”,这款app适用于Apple系统,Android系统——很快——Windows系统的手机也可以使用。家长们下载这款app后可以创建一个账户,然后给孩子设置一个消费限额。家长还可以用这款app设置资金使用范围的限制。

要支付费用时,使用平板电脑或者手机可以完成这一操作,而且家长和孩子双方都会了解到这次支出,因为这种消费模式会提供一个具体的记录。

Virtual Piggy公司执行总裁Jo Webber说:“我们推出的Oink可以给儿童和青少年营造一个安全且在家长监督下的环境,让他们能够学习如何明智地花钱,如何为将来存钱,甚至可以给慈善机构捐钱。”

像沃尔玛,Gap, Banana Republic等越来越多的零售商都正在接受用Oink作为在线支付的平台。世界上一些专门针对青少年的大型虚拟网络商店也知道Oink,例如Habbo和Gaea Online.

“如果你有11岁,那么我们只会向你展示11岁孩子可以接触的产品、公司和游戏,”Webber说,“如果一款游戏的分级为青少年及以上,那么这款游戏就不会在这个年龄段以下孩子的选择列表中出现。”

Webber说它的数据系统“满足隐私和安全的最高标准”。

Webber 2008年创立了Virtual Piggy,但她随后发现由于全球经济衰退,彼时把想法往前推进是个错误的时间点。

从一开始Webber就担任董事长,但是她还经营着另外一家公司,直到2012年她才担任Virtual Piggy的执行总裁。

尽管已经有了100多万签约用户,但是Virtual Piggy尚处于起步阶段,收入很少。

但它有一些重量级的后盾,亿万富翁John Paul DeJoria是顾问委员会成员,也是该公司的投资者。

这家公司希望能够利用越来越多的父母以及他们日渐清晰的监管意识,明白需要监管孩子的那些因购买应用程序内部的虚拟产品而产生的大项信用卡账单。

美国联邦贸易委员会最近提交了一份对Amazon.Com的指控报告,指责该在线零售商通过让孩子购买应用内嵌的手机游戏,非法向其家长收取数百万美元的资金。

Webber说她的公司是这个问题的一个解决方案。

她说:“最终,我们所做的是让作为父母的你们能够控制住孩子的消费,并且对他们的消费做出最终的决定。”

近期动态

七月,Virtual Piggy宣布该公司增加了网络平台的合作伙伴,其中包括Oracle和EBay的用户。

同样在今年七月,Virtual Piggy宣布说使用Netbanx网银系统的商家现在可以把Oink作为一种付款方式。

今年六月,Virtual Piggy公司涉及网络游戏,Oink支付平台得到Ubisoft Entertainment, OnNet, Woozworld, Wargaming, Crytek, Fantage和Bandai Namco Games America Inc等网络游戏公司的认可。

成绩

Virtual Piggy公司是2014年NextGen移动大奖得主,也被提名为Kiplinger 2013年最佳排行榜的“最佳储蓄教练”。

去年,Virtual Piggy获得美国备受家长认可的PTPA大奖(Parent Tested Parent Approved Award)。

挑战

Webber说Virtual Piggy需要定义好自己以免被束之高阁,有的人则把它称为“孩子的PayPal”。

“我们现在有一个新技术,”Webber说,“我们当前的挑战是增加我们的知名度,并且让人们了解我们所提供的服务。”

“大部分青少年瞬间就能明白我们使做什么的,但是家长并不了解什么是Oink,也不明白它能做什么。”

分析师:

华尔街分析师目前尚未对该公司进行跟踪。

爱迪生投资研究公司则表示Virtual Piggy公司“继续吸引商户注册,增加用Oink平台的付款数目”,这可能带来“额外的交易量”和盈利机遇。爱迪生投资研究公司总部设在伦敦,跟踪过700多只股票。

Parents who have found big credit card and debit card charges for unauthorized online purchases by their teens might be wondering what they can do to prevent it from happening again. That's one reason why Virtual Piggy Inc. exists.

The Hermosa Beach company's primary product is an app called "Oink: Your Digital Family Wallet" for Apple, Android and — soon — Windows-based phones. It allows parents to download an app and use it to create an account and set a spending limit for their children. It also authorizes where they can spend the funds.

As that spending occurs, the buying and spending patterns can be accessed by tablet or phone and discussed by both the parents and the teens, offering a record that can be refined.

"We created Oink to serve as a way to provide kids and teens with a safe and parent-monitored environment to learn how to spend wisely, save for the future and even donate to charities," Chief Executive Jo Webber said.

Wal-Mart, Gap and Banana Republic are among a growing number of retailers that accept Oink as a form of online payment. Stores for some of the world's biggest virtual online worlds for teens, such as Habbo and Gaea Online, also recognize Oink.

"We created Oink to serve as a way to provide kids and teens with a safe and parent-monitored environment to learn how to spend wisely, save for the future and even donate to charities," Chief Executive Jo Webber said.

Wal-Mart, Gap and Banana Republic are among a growing number of retailers that accept Oink as a form of online payment. Stores for some of the world's biggest virtual online worlds for teens, such as Habbo and Gaea Online, also recognize Oink.

Webber served as chairwoman from the beginning but was also running another company and didn't become chief executive of Virtual Piggy until 2012.

The company is still at an early stage with little revenue, despite having signed up more than 1 million users.

It has some heavyweight backing. Billionaire John Paul DeJoria is on its board of advisors and is an investor in the company.

The company is hoping to capitalize on growing parental and regulatory disenchantment over big credit card bills from in-app virtual goods.

The Federal Trade Commission recently filed a complaint against Amazon.com, alleging that the online retailer unlawfully billed parents millions of dollars for mobile games' in-app purchases made by their kids.

Webber said her company was a solution.

"Ultimately, what we are doing is allowing you as a parent to have control and make the final decisions," Webber said.

The latest

In July, the company announced that it had expanded its partnership network to include Oracle and EBay customers.

Also in July, Virtual Piggy announced that merchants that use the Netbanx online banking system can now offer Oink as an alternative method of payment.

In June, the company said it broadened its reach into online games, getting recognized as a payment option by Ubisoft Entertainment, OnNet, Woozworld, Wargaming, Crytek, Fantage and Bandai Namco Games America Inc.

Accomplishments

Virtual Piggy was a winner of the 2014 NextGen Mobile Awards. It was also named "Best Savings Coach" in Kiplinger's 2013 Best of Everything guide.

Virtual Piggy was also recognized with a Parent Tested Parent Approved Award last year.

Challenges

Webber said that Virtual Piggy needs to define itself and avoid being pigeonholed, referring to one publication that called it "PayPal for kids."

"We have a technology that is new," Webber said. "Our challenge is to get our name out there and make sure that people understand the service."

"Most teens understand what we're doing in a nanosecond, but parents don't know what Oink is or does."

Analysts

The company is not currently followed by Wall Street analysts.

Edison Investment Research, which is based in London and tracks more than 700 stocks, said Virtual Piggy "continues to sign up merchants and payment processors," which should provide "additional scope for increased transaction volumes" and revenue opportunities.


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