E-commerce Online Payment（英文版）(ppt 85页).ppt

1,E-commerceOnlinePayment,AAAAConsulting,2,Content,Projectoutline.3E-commercedevelopmentinChina.4-25Methodology.26-27Keyfindings.28-77Availablepaymentmethods.29-38MainbanksinvolvedinE-commerce.39-43Onlinepaymentprocessflow44-52Differenceinthreecities53-71Marketsurveyresult.72-77AnalysisBankofChinasetuppaymentgatewayofSETandCACenter1999/9:SoftwaredevelopmentcenterofBOCsetupE-commercelaboratory,6,E-commerceDevelopmentinChina,Source:Desktop,E-commercecurrentcondition,E-commercedevelopmentisstillinthegrowthstageandexperiencedrapiddevelopmentin1999.In1999,totalamountofonlinetransactionisRMB5.5manditisestimatedthatthetotalamountofonlinetransactionwillreachRMB3.5bin2000ThelatestresearchpresentsthatinternetusersinChinahasexceeded17mByMarch2000,thereareabout1100Websites,7,E-commerceStructure,E-commerceDevelopmentinChina,Note:CAwillverifyidentityofallparticipantsduringthecourseoftransaction.,8,E-commerceDevelopmentinChina,1.User:browsingWebsite,formulatingorder,deliveryorder/paymentdatatoWebsite2/3.Website:confirmingorder,conveyingpaymentdatatopaymentgateway4.Paymentgateway:deliverypaymentdatatocardissuersbank5.Cardissuersbank:verifyingpaymentvalidity,transferringmoneytoclearingcenter6.Clearingcenter:acceptingmoney,notifyingcollectingbank7/8.Collectingbank:collectingmoney,notifyingWebsite9/10.Website:processingdata,informingdistributortoarrangingdelivery11/12.Distributor:deliverproducts,9,BusinessModel-B2BModel1:InformationPlatform,E-commerceDevelopmentinChina,Function:Websiteissuingsupplybanktransferringmoneyandreturningtopaymentresult6.Paymentgateway:deliveringtransactionresulttomerchantserver7.Merchantserver:confirmingpayment,arrangingdelivery,46,OnlinePaymentProcess-B2C,Model1:SET(encryption,e-envelop,e-signature,doublee-signature,CA),1Cardholder:browsingwebsite6Merchant:confirmingtransactionresult,arrangingdelivery7Merchant:regularlyaskingpaymentinformationfrompaymentgateway,paymentgatewayaskingcardissuertotransfermoney,returningresulttomerchant.Note:allparticipantscangetlegalidentityfromCAbeforetransactionandCAwillverifyidentifyofothersduringthewholetransaction,47,Model2:NON-SETShoppingcard(nobankinvolved)(SSL,RSAencryption,firewall),OnlinePaymentProcess-B2C,1.Cardholder:buyingshoppingcardfromcardissuersbankoragent2.Cardholder:browsingwebsiteShanghaiCredibilityCompany,82,Potentialcompetitors,Analysis&Recommendation,Surveyresult:Potentialcompetitorinthreecitiesandtheircharacteristics1.C-developedE-commercesolutioninoverseas,andthenlocalized,cooperatedwithShanghaibakingcardnetworkservicecenter2.CHIC-developedE-commercesolutionwithmanyfamousmultinationalorganizationsinChina,establishedstablerelationshipwithmainbanks3.Easypay-onlinepaymentsolutiondevelopedbyBankofChina4.GNET-helpWebsitetoconnectwithbanksinGuangdong5.Planetpayment-helpChinaWebsitescollectmoneyfromoverseasmarkets,createdstrategicalliancewithfinancialinstitutionsinUSARecommendation:1.E-commercedevelopmentinChinaisingrowthstageandhasgreatpotentialmarket.2.Tobecompetitive,itisnecessarytonotonlyprovidepaymentgateway,butalsohelpbusinesssignupasonlinemerchant.,83,Issue&Concern,Constraints,Unansweredquestions/Futurestudyareas,84,Issue&Concern,Constraints,FollowingfactorshasinfluencedourunderstandingaboutonlinepaymentSecondaryresearch:Limitedsourcecannotfindsomeusefulinformation,suchasgovernmentregulation,technologyrequirementandstatisticsaboutB2BIn-depthinterview:Bank-Thereareonlythreebankscanprovidesomevalueinformation.SomejustdevelopE-commercethisyearandsomeintendtodeployitinshortfutureintendtodevelopitinshortfuture.Merchant-allquestioncoveredthisprojecthavespanneddifferentdepartmentsofmerchant,rangingfromTechnology,marketingtofinance.Therefore,itisdifficultforintervieweestoanswerallquestions.User-5intervieweesineachcitiescannotmirrorconsumersperspectiveforonlinepayment,85,Issue&Concern,Unansweredfindings/futurestudyareas,Unansweredquestions:B2B-BusinessandbankjustbegintoinvolveinB2Bandcannotprovidedetailinformation.RegulationAsE-commerceisi