电子机票时代的支付解决方案

,MOTOpay电子机票时代的支付解决方案,网银在线（北京）科技有限公司创始人总裁赵国栋,PaymentSettlementPlanonElectronicair-ticketsTimes,EbankOnline(Beijing)Technologyco.,LtdCEOZhaoguodong,EBANKONLINE(BEIJING)TECHNOLOGYCo.,LTD.isthehigh-techenterpriseregisteredinZhongguancuninJune,2003.Theregistercapitalreached10,000,000RMB.Dependingonthestrongtechnologystrength,itbases“electronicpaymentspecialist”asthedevelopedpositionandregards“pressclosetotheconsumersneed”asserviceconceptionsincethecompanyhadfounded;itunites19domesticbankslikeBOC、ICBC、CMB、ABOC、CCBetcandsomeinternationalcreditcardorganizationlikeVISA、MasterCard、JCBandsoon,specializesinprovidingperfectsolutionsandvalue-addedservicetoelectronicpaymentforE-commercialenterprisesandindividuals.网银在线（北京）科技有限公司是2003年6月在中关村注册的高新技术企业，注册资金1000万人民币。公司自成立以来，凭借强大的技术实力，以“电子支付专家”为发展定位，以“贴近用户所需”为服务理念，联合中国银行、中国工商银行、招商银行、中国农业银行、中国建设银行等国内19家银行，以及VISA、MasterCard、JCB等国际信用卡组织，致力于为从事电子商务的企业和消费者提供完善的电子支付解决方案和增值服务。,网银在线公司简介/EbankonlineIntroduction,SincelaunchingonlinepaymentplatformonMay,2004,EBANKONLINE(BEIJING)TECHNOLODYCo.,LTD.hasbeenprovidingsecureandexpresssolutionsofonlinepaymentforshoppingmallonline、bookingticketoftraveling、educationandtraining、networkgame、flowerandpresentetcalmost6,500clientsintwentyindustries!网银在线自2004年5月推出支付平台以来，已经为从事网上购物、电子客票、教育培训、网络游戏、鲜花礼品等近20个行业6500余家商户提供了安全、快捷的第三方网上支付解决方案。,网银在线公司简介/EbankonlineIntroduction,网银在线的典型商户/Typicalclientofebankonline,2004年11月网银在线与中国银行签署全面合作协议；,网银在线合作伙伴/Cooperatorsofebankonline,2005年5月网银在线与VISA国际组织结成战略合作伙伴关系；,2005年6月网银在线与中国工商银行签署战略合作协议。,EbankonlinepaymentsignedentirelycooperationagreementwithBOConNov.2004,EbankonlinepaymentformedstrategicallycooperationrelationshipwithVISAInternationalOrganizationonMay2005,EbankonlinepaymentsignedstrategicallycooperationagreementwithICBConJune2005,主要产品之一：第三方支付网关Oneofthemainproducts-Thethird-partypaymentgateway,主要优势/Mainadvantages:T+1结算货款服务，使商户的资金流畅周转；T+1settlementservice,makingtheclientscapitalrunningfluently;724全天候客服热线，随时随地解答商户和持卡人在使用网上支付过程中遇到的问题；7X24hoursservicesupport;explainingtheproblemstotheclientsandcardholdersduringthecourseofonlinepayment;量身定制嵌入式银行列表的支付模式，进一步提升网上支付货款的便捷性；Insetbanklistspaymentmodel,improvingfurthertheconvenienceofpaymentonline;,主要产品之一：第三方支付网关Oneofthemainproducts-Thethird-partypaymentgateway,直连国内19家主流商业银行支付网关，受理卡种更全面；Connectdirectlythedomesticmain19bankspaymentgateway,acceptingmorecomprehensivebankcard;根据商户管理后台提供的银行对账单，实时核对交易明细并与实际进账金额核对，减少人工操作，降低成本Checkalltransactionlistsrealtimeandcheckwithactualsumaccordingtothebankreckoningofferedbytheclientsmanagementbackground,reducingmanualoperationandcost;在北京、上海架设服务器，真正实现“南北互通”，使消费者网上支付快速顺畅。WesetserveronBeijingandShanghai,realizing“ConnectingSouthandNorth”,makingconsumerspaymentmorefastandfluently;,主要产品之二：MOTOpay/Twoofthemainproducts：MOTOpay,国内首家报信用卡信息、非面对面完成货款支付的第三方线下支付产品,MOTOpay的适用范围,MOTOpay支付流程图,MOTOpay系统的特点,MOTOpay与电话支付的比较,MOTOpay的衍生背景,Thedomesticheadthe-thirdpartyofflinepaymentproductbytellingthecreditcardinformationandfinishingthepaymentnotface-to-face,MOTOpayscreativitybackground,MOTOpaysapplicationscope,MOTOpaysystemscharacters,MOTOpaypaymentflowchart,ComparedMOTOpaytoTelephonepayment,MOTOpay衍生背景/MOTOpayscreativitybackground:,彻底解决长期以来困扰商户的“见不到实体卡，无法实时受理信用卡支付业务”的难题；Ittotallysolvestheproblemaboutthe“cannotbeinstantlytransactpaymentifwithoutthereallycreditcard”.随着今年10月电子机票全面普及的临近，越来越多的旅客从电话订票，票到付款的传统方式，过渡到了电话支付，实时出票的全数字化方式，由此带来巨大的电子支付需求；Alongwiththefullpopularizationofelectronicair-ticketinOct,moreandmorepassengerslikedigitalwayof“paymentbytelephoneandgetitinstantly”insteadoftraditional“orderticketbytelephoneandpaymentaftergettheticket”.Therefore,itbringslargerequirementforelectronicpayment;传统的面对消费者直接刷卡消费的支付流程已经相当成熟，并被消费者广泛接受和认可；Ithasqualifiedverygoodpaymentflowmodelbycarddirectlytothecustomerstraditionally,andcanbeacceptedbymostconsumers;电话、传真、Email等信息传递媒介的已经全面普及。Telephone、fax、E-mailetcinformationtransferintermediaryhadgotfullpopularization,MOTOpay的应用范围：包括电子机票预订、酒店预订、电视购物、对外贸易等行业。MOTOpay的受理卡种：国内信用卡：中国银行、招商银行发行的信用卡国际信用卡：Visa、MasterCard、JCB、AmericanExpress、Diners-Card国际银行组织所发行的信用卡MOTOpay的适用人群：所有具备信用资格的自然人,MOTOpaysapplicationscope:Includingelectronicair-ticketsreservation、hotelreservation、televisionreservationandinternationaltradeetcrelatedindustry.MOTOpaysacceptedcard:Domesticcreditcard:ThecreditcardissuedbyBOCandCMB.Internationalcreditcard:ThecreditcardissuedbytheinternationalbankorganizationsuchasVisa、MasterCard、JCB、AmericanExpress、Dinerscard.MOTOpaysystemsacceptedpeople:Qualifyinghonorednaturalperson,MOTOpay系统的特点/MOTOpaysystemscharacters:,先进性：国内首家报信用卡信息、非面对面完成货款支付的第三方线下支付产品，提高商家竞争力Progressiveness:Thedomesticheadthe-thirdpartyofflinepaymentproductbytellingthecreditcardinformationandfinishingthepaymentnotface-to-face,ImprovingthecompetitionoftheClients实时性：提交交易信息至返回确认信息只需3秒钟，缩短信用卡授权请求时间，确保出票率Veracity:Ittakesonlythreesecondsfromsubmittingtransactioninformationtoreturningconfirmationinformation,reducingthecreditcardsauthorizationrequesttimeandassumingtherateofdrawingdrafts多样性：交易可选择消费、预授权、取消预授权、退订Diversity:Itcanchooseconsumption、pre-authorized、pre-authorizedvoid、refund,MOTOpay系统的特点/MOTOpaysystemscharacters:,方便性：不受任何支付环境的影响、随时随地完成支付Convenience:Itcanpaymentatanytimeandanywherethatdonotaffectedbyanycircumstance私密性：分权限管理、分步骤操作、设专人负责、确保交易中的安全性及准确率Privacy:Managementbydifferentpopedom、Operatedbydifferentsteps统一性：与网银在线的支付网关相连接，便于整体查询、管理资金动向Integrality:Connecttothepaymentgatewayofebankonlineandeasytoinquireunitary、managefundtrends延展性：解决POS机因成本原因不能无限分布的问题，可根据座席的增加而无限增加，降低商家投入成本Ductibility：itcansolvetheunlimiteddistributionquestionbecauseofthePOScostandcanconstantlyaddaccordingtotheaddoftheplatform,reducingthecostoftheclients.,MOTOpay支付流程