導入行動電話型式行動付款之分析研究

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姓名

徐聖冀(Sheng-chi Hsu) 查詢紙本館藏

畢業系所

企業管理學系

論文名稱

導入行動電話型式行動付款之分析研究
(the study of mobile payment applications in mobile phone)

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本電子論文使用權限為同意立即開放。
已達開放權限電子全文僅授權使用者為學術研究之目的，進行個人非營利性質之檢索、閱讀、列印。
請遵守中華民國著作權法之相關規定，切勿任意重製、散佈、改作、轉貼、播送，以免觸法。

摘要(中)

在未來，無線網路是個可見的趨勢，成長也相當快速，使用消費者會使用他們的個人行動無線裝置設備存取網與購物，因此，個人電腦、數位電視、個人數位助理、行動電話與其他行動無線裝置設備將有電子付款的功能，這是未來付款系統的趨勢。在行動電話方面，每個人的手上都擁有行動電話情況之下，行動電話將會成為付款的工具，行動電話將取代現金與卡片類型的付款工具。
現今世界上的行動付款市場狀態處於複雜、多變與不確定性的，也未有一個統一的標準，但在行動電話的技術與裝置上已經統一標準化，如何使用行動電話來當成行動付款的裝置，進而形成統一標準的行動付款形式，將是現今學術界與產業界研究的方向。
本研究以行動電話型式為研究主題，研究發展出儲值卡帳戶式的行動電話型式行動付款與信用卡與電信帳單式的行動電話型式行動付款方案，儲值卡與信用卡付款型式產業的廠商，在導入行動電話型式的行動付款時遇到經濟面、技術面與社會面的障礙缺口。

摘要(英)

The future sees the trend and the rapid growth of wireless network and users will link to network and shop by their mobile wireless devices. Therefore, e-payment function will be embedded in personal computers, digital TVs, personal digital assistants, mobile phones, and other mobile wireless devices, which is the trend of future payment system. As for mobile phones, they will become the tool of payment as the substitute of cash and card-based payment while everyone has one in their hands.
Nowadays, the mobile payment market is complicated, various as well as uncertain, and there is no common standard yet, however, the technology and the hardware of mobile phones have been standardized. Therefore, it is the direction of academic and industrial research to use mobile phones as m-payment devices and gradually shape a common standard of m-payment.
This research took the mobile phone-based payment as the topic and developed the account-type mobile phone-based m-payment plan with the store card, and the bill-type plans with the credit card bill as well as with the mobile phone bill. Companies offering the plans of the store card type and the credit card bill type were confronted with economic, technological, and social gap while they implemented the mobile phone-based m-payment.

關鍵字(中)

★ 行動付款
★ 付款
★ 行動商務

關鍵字(英)

★ Payment
★ M-Payment
★ M-Commerce

論文目次

摘要 …………………………………………………………………………………………Ⅰ
誌謝 …………………………………………………………………………………………Ⅲ
目錄 …………………………………………………………………………………………Ⅳ
圖目錄 ………………………………………………………………………………………Ⅵ
表目錄 ………………………………………………………………………………………Ⅶ
一緒論
1.1 研究背景與動機……………………………………………………………………1
1.2 研究目的與預期結果………………………………………………………………3
1.3 研究流程……………………………………………………………………………4
1.4 論文架構……………………………………………………………………………5
二文獻探討
2.1 行動商務……………………………………………………………………………6
2.1.1 行動商務……………………………………………………………………6
2.1.2 行動商務之應用……………………………………………………………9
2.2 付款 ………………………………………………………………………………11
2.2.1 付款 ………………………………………………………………………11
2.2.2 付款之類型與營運模式 …………………………………………………13
2.3 行動付款 …………………………………………………………………………23
三行動付款產業概況
3.1 行動付款產業各國發展現況 ……………………………………………………25
3.1.1 歐洲市場 …………………………………………………………………25
3.1.2 日本市場 …………………………………………………………………29
3.1.3 台灣市場 …………………………………………………………………31
3.2 行動付款產業供應鏈分析 ………………………………………………………32
3.2.1 供應鏈 ……………………………………………………………………32
3.2.2 主要供應鏈廠商之特性 …………………………………………………35
3.3 行動付款產業採用評估準則 ……………………………………………………39
3.3.1 使用者採用評估準則 ……………………………………………………40
3.3.2 商家採用評估準則 ………………………………………………………43
四導入行動電話型式行動付款之分析
4.1 利用行動電話型式消費付款情境 ………………………………………………45
4.1.1 付款情境分類 ……………………………………………………………45
4.1.2 付款情境分類之特性 ……………………………………………………47
4.2 行動電話型式行動付款方案 ……………………………………………………49
4.2.1 付款型式分類 ……………………………………………………………49
4.2.2 使用行動電話類型 ………………………………………………………51
4.2.3 行動電話型式行動付款方案 ……………………………………………52
4.3 轉換行動電話型式行動付款之缺口因素 ………………………………………53
4.3.1 缺口因素分類與特性 ……………………………………………………53
4.3.2 轉換缺口之分析 …………………………………………………………56
五結論與未來研究建議
5.1 結論 ………………………………………………………………………………60
5.2 學術與實務上貢獻 ………………………………………………………………62
5.3 未來研究建議與限制 ……………………………………………………………63
參考文獻 ……………………………………………………………………………………64

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指導教授

陳炫碩(Ken Chen)

審核日期

2007-7-11

推文