所謂「行動付款」(Mobile Payment)指的是「以行動裝置作為付款工具的一種付款機制」，行動商務的日漸普及，相關業者皆希望能掌握行動商務廣大的商機，擴大行動商務的市場，最主要的關鍵因素就是金流，也就是行動付款系統是否為社會大眾所信任、接受。關於系統便利性方面，主要分成兩個部份，容易使用及容易付款，讓使用者在進行付款流程時不需要複雜的操作及便利的付款方式。其次使用者轉換成本，是使用者是否願意採用行動付款系統的考慮重點，也就是說，付款系統如果需要使用者付出其他的成本，可能會降低使用者的使用意願，所以要發展行動付款系統，採用的付款技術將是考慮的重點。行動付款另一個推行的重點，就是使用者是否能使用行動付款系統買到他們想買的商品，這個問題牽涉到廠商加入行動付款系統的意願，廠商數不足，所以使用場合受限，當然普及率也就無法提升，因此在建置行動付款系統也必須要考慮到相關的建置成本的問題。 本研究探討現有行動付款系統的不足之處，並試圖出一套最適合的行動付款機制，因此提出一個採用電信帳單付款方式、使用單晶片技術並支援安全的漫遊服務之小額行動付款系統。透過安全性、便利性及跨系統付款等功能的設計，使得本系統能達到安全、快速便利及擴大服務範圍等目標。 The so-called Mobile Payment is a mechanism which takes the mobile installation as the paying tool. The mobile commerce is popular gradually. Realizing that, all related service providers desire to handle the great marketplace of the mobile commerce. The payment model is the most crucial factor to expand the marketplace of the mobile commerce. That is to say, how the people trust and accept the system of the mobile payment is the most important factor. When it comes to the aspect of convenience, the discussion can be divided into two parts. One is that people can use it easily; the other is that people can pay for it easily. Mobile payment system should without a complicated procedure for customer to buy products and convenient for people to pay for it. Second, in the aspect of switching costs, the customer might be unwilling to use this system if it would cost him extra money. Therefore, the technique of payment is the main consideration for those who want to develop the system of the mobile payment. The other main point of promoting the mobile payment is user can buy what they want by this system or not. For example, there would be little the Merchants. Therefore, the popularity cannot be promoted because a user can merely use it in little places. Consequently, the issue of the constructing expense should be considered in the process of constructing the system of the mobile payment. This project aims to deal with those four dimensions, discuss the shortages of the system of mobile payment nowadays, and provide the best system of the mobile payment. Therefore, I bring up a system of the micro payment which is a safe and interoperability service by using the single chip and follow the payment method of the telecom bill. Through its safety, convenience and interoperability payment, this system can achieve the goals of providing safety, efficiency and convenience for people, and expanding its range of service.
