中國(guó)電子支付環(huán)境(英文)

E-commerceOnlinePayment

AAAAConsulting汽嚴(yán)車?yán)逄}賈丑捧摧榔襖風(fēng)瞳瘸濃敝波杯玉旋磊富咬歧饋悟束榷唯吸卻訪中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)1Content

Projectoutline………………..3E-commercedevelopmentinChina….4-25Methodology………….26-27Keyfindings…………..28-77Availablepaymentmethods…………………..29-38MainbanksinvolvedinE-commerce………...39-43Onlinepaymentprocessflow…………………44-52Differenceinthreecities………53-71Marketsurveyresult………….72-77Analysis&Recommendation………..78-82Issue&Concern………83-85楞涯戶途抒淺測(cè)渤淮摻粗躊致伸妨盡肺勢(shì)覆騁蝦北畔勃跌劉駿榜去厲礫悼中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)2ProjectOutline E-commercedevelopmentMethodologyKeyfindingsAnalysis&RecommendationIssue&Concern驚啄漢戒灸擯耕第福諜嘗瞳劊氨渡蛀癢瀕藻置軍泡豢兵婪秦窄狹爵杜函坯中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)3E-commerceDevelopmentinChinaCurrentStatusKeyIssuesFutureDevelopment疫膊喀恥擻禍敏尸摘禱齡鶴像澄沮屆墜銥跟鋸綢介留峙司代傾水客坑眾駭中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)4E-commerceDevelopmentinChinaE-commerceDevelopmentProcessinChinaSource:Desktop

1996:StudiedE-commercedevelopmentinChina1996/12:StudiedE-bankservicemodel1997/2:OrganizeddevelopingteamofE-bankservicesystem1997/7:FormulatedE-bankservicesystem，includingprovidingonlineinquiryofcooperatefinanceandcreditcard,onlinedeclareofbalanceofinternationalpayment1998/1:OrganizedleaderteamofE-bankservicesystembyheadofficeofbank1998/3:FirstonlinetransactioncompletedbyGreatwallcreditcard1999/1:EstablishedE-bankdepartmenttocoordinateE-commercedevelopment1999/6:Providedmanyonlinepaymentmethods,forexample:Easypaydevelopedthefirstcompleteonlinepaymentsystem;BankofChinasetuppaymentgatewayofSETandCACenter1999/9:SoftwaredevelopmentcenterofBOCsetupE-commercelaboratory尊箭適茂織沉捌郭噬溝盈廠每哆膝艱足倆涕立沽糜劫底邯卷期橡泄每侯訣中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)5E-commerceDevelopmentinChinaSource:DesktopE-commercecurrentconditionE-commercedevelopmentisstillinthegrowthstageandexperiencedrapiddevelopmentin1999.In1999,totalamountofonlinetransactionisRMB5.5manditisestimatedthatthetotalamountofonlinetransactionwillreachRMB3.5bin2000ThelatestresearchpresentsthatinternetusersinChinahasexceeded17mByMarch2000,thereareabout1100Websites蹄癌員寨教贍乏撾閘括吠誓涕死川蘸碳領(lǐng)斥莊莆粵撇傻耶腳土投避慨覓備中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)6E-commerceStructureE-commerceDevelopmentinChinaNote:CAwillverifyidentityofallparticipantsduringthecourseoftransaction.Exchanging/clearingUserDistributionBuying/Selling/StoringCAWebSiteTransactionDatabaseAccountingPaymentGatewayInformationCardIssuer’sBank（PayingBank）CollectingSystem（CollectingBank）….BackSystem1212345678910101011氖凡竅粱戌睫閡問柜謄沸忻憐笆臟貓最爵壬溉伍繞菲狼買咸恬艦深蛻摸井中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)7E-commerceDevelopmentinChina1.User:browsingWebsite,formulatingorder,deliveryorder/paymentdatatoWebsite2/3.Website:confirmingorder,conveyingpaymentdatatopaymentgateway4.Paymentgateway:deliverypaymentdatatocardissuer’sbank5.Cardissuer’sbank:verifyingpaymentvalidity,transferringmoneytoclearingcenter6.Clearingcenter:acceptingmoney,notifyingcollectingbank7/8.Collectingbank:collectingmoney,notifyingWebsite9/10.Website:processingdata,informingdistributortoarrangingdelivery11/12.Distributor:deliverproducts鞘蟻減賀菏使薯娩冊(cè)裸鎂梅甥滴莊碴使刀謊豁陀況貳鹿注靈授競(jìng)遮依伍泉中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)8IssuinginformationBusinessWebsiteBusinessDealCheckinginformationBusinessModel-B2BModel1:InformationPlatformE-commerceDevelopmentinChinaFunction:Websiteissuingsupply&demandinformationtobuyerandsellerNote:SuchkindofWebsiteonlyprovideverybasiccommunicationservicebetweensupplierandbuyerExample:

察只歸待珠祈顛販絳嗓累塢瀉槐醉蛛睛懂鬼汕質(zhì)修扯話肪接偏撲輩名鳴磚中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)9E-commerceDevelopmentinChinaWebsitepublicplatformBusinessBusinessBusinessConsumerBusinessBusinessModel-B2BModel2:OnlineShoppingCityFunction:

WebsiteprovidingbusinesswithE-commerceplatform&helpingbusinesstodeveloponlinetransactionNote:ThemajorityofparticipantsarebusinessprovidingconsumptionproductsTheWebsiteissimilartotraditionalretailerrentingcounterExample:

舜鴻叢庸痛覽咎烤炙舔餾冷二啊勁場(chǎng)拷震褒趾離耘燃滿鄰疆夏寬性拳聶渝中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)10BusinessBusinessWebsiteRawMaterialSupplierPurchasingBusinessBusinessWebsiteDistributorDistributionE-commerceDevelopmentinChinaBusinessModel-B2BModel3:BusinessownWebsiteFunction:DistributionWebsite:businessthroughitsWebsitetodeveloptraditionalofflinedistributionactivities&providingonlineservicetoitscustomersPurchasingWebsite:businessbuyingonlinebyitsownWebsiteExample:

翔璃膜罪擁除蝎討肢縱納構(gòu)匿處竭浴零銥隙石剿柿爸慎閩茁志潑瘧齊猙諾中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)11E-commerceDevelopmentinChinaBusinessWebsiteBusinessDealBusinessModel-B2BModel4:CompetitivePurchasingPlatformFunction:Websitecombiningbusinessproductandserviceinformationtoprovidecompetitivepurchasingservice.Purchasingprocess:Buyer-issuinginquiry,fillingoutinquirybillWebsite-transferringinquirytosuppliersSuppliers-givingquotationandreturningittobuyerseparatelyBuyer-choosingsuitablesupplierNote:ComparingwithInformationPlatform,businesscanObtainmoreeffectiveservicefromsuchmodelForexample-gainingmorebusinessopportunities,reducingtransactiontime,loweringoperatingcostExample:

辭榨乓積納羅鄭打魔歧所耿袁碧款脫硬撼救麗劑閃藻殃伶人蔣輩輻辭妙柔中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)12SupplierWebsiteDistributorE-commerceDevelopmentinChinaBusinessModel-B2BModel

5:Product/ServiceAgentPlatformFunction:BusinesswhohavebecomeagentsofcertainproductorservicedevelopwholesaleonlineNote:AgentonlinedeveloptraditionalofflinewholesaleactivitiesthroughInternetExample:

績(jī)奴號(hào)湘令睛蕭鍋巢巧擻碑迪餡鼠鈣允柄幣施錘窄盅禽哲替將盆逼驟潛倉(cāng)中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)13E-commerceDevelopmentinChinaBusinessBusinessTechnologyrequestTechnologyserviceBusinessModel-B2BModel6:TechnologySupportPlatform

Function:Websiteonlineprovidingtechnologysolutiontobusiness,rangingfromInternettosoftwareNote:TherapiddevelopmentofE-commercebringingagreatperspectiveforInternettechnologyandconsultingserviceExample:

塌侮析莫蔬亮惑吵緩陛訃鋒撣叭弧牢旺墅枝壩剮線題詠養(yǎng)檔銷屢微舍營(yíng)休中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)14E-commerceDevelopmentinChinaBusinessModel-B2CModel1OnlineShoppingSupplierWebsiteConsumerDealSupplyDemandForexample:

CompetitivePurchasingSupplier1Supplier2Supplier3ConsumerWebsiteDealDemandSupplySupplySupplyDealingwithsupplierwhoofferscompetitivepriceFoxexample:

鰓讀鴨誘南既撒粉援摔段搽曰暫砌鳴訪擰痙休童葛蝎冬噶宜盲垃勇琳扛字中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)15E-commerceDevelopmentinChinaBusinessModel-B2CModel2IndividualQuotationConsumer1Consumer2WebsiteSupplierConsumer3SupplyDealDemandDemandDemandDuringthiskindoftransaction,supplierwilldealwithconsumerwhogivethehighestoffer,sopriceflowsfromlowtohighinthismodelForexample:

GroupQuotationSupplierDealConsumer1WebsiteConsumer2Consumer3SupplyDemandDemandDemandDealDealDuringthiskindoftransaction,todealwithallconsumers,supplierwillgiveCheaperoffer,sopriceflowsfromhightolowingroupquotationForexample:

懊狗頸哼餞虎捍詛措鏈菠憐智礎(chǔ)蟹合鈍咽峪亭巢刺團(tuán)裔據(jù)霖噓劈淵畸補(bǔ)耀中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)16E-commerceDevelopmentinChinaBusinessModel-B2CModel:IndividualE-bankConsumerConsumerWebSiteofBankExpenseaccount:forexample,gasbill,mobilephonefeesChecking/transferringaccountOnlineshoppingpaymentForexample:

番卓冶綿殼拋涸思伙禮測(cè)度牌锨恐楞蛻怒虛湘氨搖扼框司糾建送終刑咖伙中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)17BasicE-commerceTransactionProcessE-commerceDevelopmentinChinaNotifyConsumerCreditcardorganizationBankMerchantCACenterOrderDeliveryTransferTransferPaymentBillTransfer123456781.Consumer:formulatingorder,deliveringorder/paymentdatatomerchants2.Merchant:confirmingorder,transferringpaymentdatatobank3.Bank:verifyingvalidityofpayment,informingcreditcardorganization4/5/6.Creditcardorganization:transferringmoney,notifyingbank7.Bank:returningpaymentresulttomerchant8.Merchant:arrangingdelivery冊(cè)會(huì)編臣澀雙錦扛授住荷葫撐睦爵罩疊貝犧缸籮蜂宏催孕迅冷蘿纜絨惰甄中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)18TechnologySupportE-commerceDevelopmentinChinaPaymentsoftwareformerchantserver:CyberCashCashRgistP4.01999/05/19)G10beSetPosl.2(1998/06/15()S／PAY2.2.3(1999/01/11)VPos4.5(1999/01/20)IBMPaymentServer1.2(1999/05/12)Paymentgatewaysoftwareforbankserver:G10beSet

G10beSetGateway1.3(1998/08/28)S／PAY2.5(1999/04/19)VellfoneVGATE4.1(1999/02/16)IBMPaymentGateway(1999/02/25)SoftwareforCA:

CommerceSTAGESecureCA(1999.7/.6)G10beSet的G10beSetCal.2(1998.7.21)VerisignCAServicesl.10(1999.2.26)IBMPaymentBegist1.2(1998.11.17)E-walletsoftwareforcardholder:CommerceSTAGECardho1derl.0(1999.5.26)CyberCashWal—let(1999.5.29)G10beSetWallet1.1(1999.5.29)Spyrust/TerisaWebWallet1.0(1998.5.29)TnntechS／NY2.1(1999.5.29)Verifonewallet2.1(1998.5.29)IBMComsamerWallet1.0(1998.10.7)曬袋秋桌古浦又煽途巾妖牽少差屈蘊(yùn)瞳捧澄棄幟水瞬彌名澡巨肄獅燼習(xí)喂中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)19E-commerceDevelopmentinChinaCaseone-IBMSolution:PaymentGateway(1999/02/25)

Paymentgatewayenablingservices:

forBank&FinancialinstitutionsSETforE-creditEnablingServices:transformingcreditcardtransactioninformationunderSETsystemSETforE-debitEnablingServices:transformingautomatictransferinformationunderSET-likesystemSSLforE-creditEnablingServices:transformingcreditcardtransactioninformationunderSSLsystemPaymentgatewayconnectionservices:forStoreappointedbybank,ISP,onlineshoppingcitySETforE-creditConnectionServices:,Connectingobjectiveswithpaymentgatewayofbank&financialinstitutionsunderSETsystemSSLforE-creditConnectionServices:,Connectingobjectiveswithpaymentgatewayofbank&financialinstitutionsunderSSLsystem鴨奧扯據(jù)嬸豎古烘巋斬鹽群酒嘔睡頹觸賂陀蛾旭跑霧向偏啤街陳綏走栓脹中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)20E-commerceDevelopmentinChinaKeyIssuesOnlinepaymentBandwidthProductdistributionCreditsystem拍唆塞扛案擬瓶醒低蔓馱怕糯翁撿豎拎諧溺泅為疚嘯算瘍埃膽凝芽角輻瞻中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)21Bandwidth

SlowonlinetransactionresultedbycurrentBandwidthhasgreatlyimpededE-commercedevelopmentinChina:ForWebsite:difficulttointroduceproductswithmulti-mediawayDifficulttoincreasetransactionamountForuser:longtransactiontimedemotivatesmostofconsumerslongtransactiontimeincreasingcommunicationandtimecost

OnlinepaymentIntoday’smarket,onlinepaymentisthebottleneckofE-commercedevelopmentDifficulttorealizeE-commerceadvantageforlackingconvenientpaymentmethodsUnsecuredonlinepaymentsystemUncompletedregulations:forexample,contractlawacceptE-contractbutdoesnotacceptE-signatureE-commerceDevelopmentinChina剖研屑版濾默睛院實(shí)翠衙尉蹈遏稿芳坯濃銀慷上憶站肥奶嚴(yán)甫未擻菊憚沛中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)22E-commerceDevelopmentinChina.

DistributionsystemPoordistributionsystemisanotherimpediment

Website:difficulttoestablisheffectivedistributionsystemcoveringwholecountryDeferringdeliveryslowtransactionprocessanddemotivateconsumersDistributionsupplier:smalloperationscaleresultinghighoperationcostInsufficientdistributionsupplierinmarket

Credibilitysystem

LowlevelcreditabilitysystemLackingfundamentalcreditabilitybetweenbusinessandpersonalUncompletedcreditor’srightprotectionBankcreditabilitydominatedinChinacreditabilitysystemCommercialcreditabilitysystemdevelopedslowly心蔓島隨儀卻枚幕罷恐稼裴愈鎳燦鄭釋撾鯉恃淡后耀卵臼赦療敬殃吵舞士中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)23E-commerceDevelopmentinChinaIndividualcredibilitysystem1999People’sBankofChina-increasedindividualconsumptionloan

1999/5ShanghaiCreditabilitycompany,createdbyPeople’BankofChina,ShanghaiinformationOfficeand15localmerchantbanks,isthefirstmediaorganizationtakingresponsibilityforinvestigatingindividualcreditability2000/4Realnamesystem-itisnecessarytouserealnametoopenaccount

2000/7“ShanghaiIndividualCreditabilityServiceSystem”providedbyShanghaiCredibilitycompany-banksinShanghaicancheckcreditabilityofpeoplewhoapplyingforofcreditcardandloanwithinseconds倒殉浴嘴習(xí)傈鑄惱揉套擎燦肢掐撲蟲馭孟腫照淬覆冬庫股嘗久悠附鬼痢煥中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)24E-commerceDevelopmentinChinaFutureDevelopment:Trendsin2-3yearsTraditionalindustrybegintoexploitE-commerceOnlinepaymentwillnotbethefocusofE-commerceWebsitemodelwillbemorediversifiedDistributionproblemwillbeworseTraditionalgamerulethatonlyprotectsmerchant’sinterestandignoresconsumer’sinterestwillexperiencechallengeLegalandsecureenvironmentwillbeimprovedCreditsystemwillbethebottleneckofE-commerce侵劊餒澳以杠頂畔膿傷演心訛靜啦皖洞庸須傅衍地殷徐巷椰煌賤萬踢詭軸中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)25MethodologySecondaryResearchIn-depthInterview肺緣襖育褪墳疚吊魚笑吶富卿甄祁臀腔軀晝玖垃腐莫霄轎篩寫祈很杉喇厲中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)26Methodology

In-depthinterviewIn-depthinterviewhelptoviewthewholepictureofallrelatedproblemsaboutonlinepaymentinChinaInterviewshavebeendevelopedinBeijing,ShanghaiandGuangzhou,includingmerchant,bankanduserAchievementofin-depthinterviewAvailablepaymentmethodsCurrentbankservicesMerchant&consumer’srequirementOtherstuffrelatedE-commerceSecondaryresearch

Secondarymaterialssources.Relatedpublishedsources:-government

information/statistic-professionalmagazines-brochuresofbanks/merchantsInternetsourcesProfessionalinstitutionsAchievementofsecondaryresearch

RelatedregulationsBasicstatusofonlinepaymentPotentialcompetitorTrends/opportunities磷牛攏穎澤啦巨虛摸棲踴嗆湊邵嗡聞饅粱粕擦鋪險(xiǎn)植也志涕筏漣墜怎抗浪中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)27ProjectObjectivesKeyFindingsOnlinepaymentprocessAvailablepaymentmethodsMainbanksinvolvedinE-commerceDifferenceinBeijing/Shanghai/GuangzhouMarket

surveyresult擎蘑亞案咽啄戴余篷顯槳袁螞卷答境琉爽普寓孜倍盞瘩閥羚淋比涯匹背諜中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)28AvailablePaymentMethodsOnlinepaymentmethodsPreferredmethodsforonlineshoppingOfflinepaymentmethodsMarketshareofdifferentmethods困布愿宋寵痊錨氧藥硒涯般碘扭浦吹累勾烘隘篇謀泥夜焙虐扣玻甭兜剔匝中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)29AvailablePaymentMethods

CurrentStatusKeyIssuesFutureDevelopment殼樟菊亥墻碌溺剮顛賜五泡黃炔尹突鬼揚(yáng)酗嚙林輿炕衙冬頰跨無一顫吱粉中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)30OnlinePaymentMethodsAvailablePaymentMethods借險(xiǎn)鍘朗懼韌冷巴尉徘滌館館謅常傈丙萍愛殃迪潞旨渾綻撿足徐女冀辯糾中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)31OfflinePaymentMethodsAvailablePaymentMethods駕撂朵綸描卉鋤所景頑陶諄惰務(wù)幸湍憚?wù)疽罴喴銖綋镉懧年嚢偕槭?jì)眾消中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)32MarketShareofDifferentMethodsAvailablePaymentMethodsCashondelivery:70%Bankingcard:20%Postalremittance:9%Others 1%宏堪鍬賂玫姜刀灤攘佳癥霜染朝牛反廠瞬認(rèn)聚霹履融舟啞緊扦懈郴嘔航趟中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)33AvailablePaymentMethodsMemberregistrationCashierShoppingcartEnterusername/passwordCancelorderConfirmingorderOrderresultPaymentmethodLogonwebsite繼續(xù)購(gòu)物GiveupbuyingWaitingresponseEnterpersonalinformationValidorderClubmember?DeliveryWaitingdeliveryYesNoContinuebuyingConsumer-onlinebuyingprocessflowNote:somewebsitewille-mailorcallConsumertoconfirmdeliverytime&place

憾翹蓬梨氧擦膜款蹭炬俞澄犢坷祁逞脂零彎遭勃示啄宿狄萌塢邑旦淮璃盯中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)34PreferredPaymentMethodsforOnlineshoppingAvailablePaymentMethodsRankingBankingcardCashondeliveryothersPostalremittanceAlthoughCODisthemajorpaymentmethodintoday’smarket,mostconsumerpreferbankingcard.Moreover,certainamountofpotentialusersaregoingtoshoponlinebyvariedbankingcard.However,manyconstraints,suchassecurity,credibilityanddeliverypushconsumerstotakeCOD,agoodsupplementforonlinetransaction礙皚暮熒鄒注憑芒教輯司顴核沉乍蕉埂就弱醋牡吁彪歲嫌枕漬毋涅楔對(duì)而中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)35AvailablePaymentMethodsDecisionframeworkforconsumershoppingonlineDeferringdelivery30%Unsecuredonlinepayment30%Badaftersellingservice 15%Complicatedpaymentprocess10%Insufficientpaymentmethods15%賓名奧秤乓譽(yù)風(fēng)瑤輩克邱居貌舒畝構(gòu)云吩淑偏磺轎謄趨瘓鵑噶頸披妙湯敖中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)36AvailablePaymentMethodsDecisionFrameworkforConsumerPaymentBehaviorsConsumer’spositionduringonlinetransactionInoverseasmarketMerchantputconsumerinterestonthemostimportantposition.Duringtransaction,consumercanoverdraftfrombankandenjoybestserviceprovidedbymerchantInChinamarketCurrentregulationsprotectnotconsumerbutmerchant’sinterest.ItisalmostimpossibleforChineseconsumertooverdraftfrombank,mostmerchantprovidelowlevelaftersellingserviceFactorsinfluenceconsumerpaymentbehaviorsSecurityofonlinepaymentMerchantcredibilityConsumptionconceptApplicationofcomputer/bankingcardProduct’sattributeDiversifiedpaymentmethodsConvenienceofonlineoperating

ThefollowingthreefactorshavemoreStrongerinfluenceSecurityofonlinepaymentMerchantcredibility,aftersellingserviceConvenienceofonlineoperating側(cè)蟬芒扦桶麥捏匡舔葦晶吭訂賄江傳荔次殘付靴懷浴涌云醋喊幀恍唐迢速中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)37AvailablePaymentMethodsFutureDevelopmentofonlinepaymentmethodsBankingcard50%Cashondelivery35%Greencard11%Postalremittance2%Others 2%慧疇蘋技然恫聶旭孺鏈椅敝雹頒烘利駿藩抨盡拽跌凡蔬帝更嶼領(lǐng)茄斡毀綁中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)38MainbanksinE-commerceCooperationstylewithmerchantsBanksinvolvedinonlinepaymentBusinessscale善恬臆色糙跨茵誹鴉諄柄鴦?lì)l遏慶劉二怒癥咳熱酬咕凍垛渴受免契惠媽藕中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)39MainbanksinE-commerceCurrentStatusKeyIssuesFutureDevelopment瞥鄒耘司蕩背洋孩歐卞什酉北忠顯置亢吵及凌俐啦討玄堡楞碧幟嘉涉簾咆中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)40BanksInvolvedinE-commerceMainbanksinE-commerce搐倘贛乏斬成盲擊慫仕威啡暮患陌旨部柳率稚摧邀筑豎座根鰓態(tài)呀贈(zèng)輥砰中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)41CooperationStylewithMerchant--BankofChinaMainbanksinE-commerceMerchantneedstocompletethefollowingprocesstobecomeanappointedbusinessofBOCDeliveryapplicationtoBOCforestablishingWebsiteRelatedtechnologyrequirement:includingWebsiteandPaymentplatformInformingBOCtoexamWebsite/paymentplatformReachingagreementandbecomingappointedbusinessDownloadingE-certificatefromWebsitethreedaysaftersigningagreementTransferringE-certificatetopaymentgatewayofBOCtoconfirm,andthendealingwithbankingcardofBOC硬纖雖堿臼鴿將撅嚼戚派藏繞模邦團(tuán)埠病康濁計(jì)撬擒巒調(diào)幅蹦臼闖鴨富顯中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)42MainBanksinE-commerceKeyissueandfuturedevelopment

keyissueNounifiedandauthoritativeCAcenterNocompletedlawandregulationsforE-businessDifficulttocommencecross-regionsoperationforrelativelowlevelofcomputer/InternetapplicationwithinbanksystemDifficulttoformcross-banksoperationfortraditionalmanagementmechanism

TrendofdevelopmentEstablishingauthoritativeCAcenterbygovernmentSettinguprelatedlawtomanageE-commerceImprovingcomputer/InternetapplicationlevelwithinbanksystemAcceleratingexplorationofcross-banks/cross-regionsoperation填艇裁鐮經(jīng)江眼褒榨營(yíng)呻距在映庫梗鉛丸憂籬忙酋鋇認(rèn)佛警棱憎摟凳梅瓦中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)43OnlinePaymentProcessCurrentStatusKeyIssuesFutureDevelopment吠球雞渺又授謠品闡腆俐褂娘僻嚏燭語乳圖熒肛篇煮蜒濺切鞭也工疚娜超中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)44SETTransactionProcessOnlinePaymentProcessCardHolderWebSiteE-paymentE-walletMerchant’sServerMerchantBankPaymentGatewayPaymentRegistry—CACertificateAuthorityCenterInternet123334456771.Cardholder:browsingwebsite,formulatingorder2.Cardholder:actingE-wallet3.CA/Paymentgateway:verifyingparticipants’identity4.E-wallet:deliveringorder/paymentdatatoE-payment/paymentgatewayseparately5.Paymentgateway:deliveringpaymentdatatoBank;banktransferringmoneyandreturningtopaymentresult6.Paymentgateway:deliveringtransactionresulttomerchantserver7.Merchantserver:confirmingpayment,arrangingdelivery攪駒愈襖嗡卡似鐮男蓬顛闊跪邵遜整酉軒碩穗猛礦誡申源彩堆側(cè)嶄饑記靡中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)45OnlinePaymentProcess-B2CModel1:SET(encryption,e-envelop,e-signature,doublee-signature,CA)CardHolderPaymentGatewayBankMerchant1/234567571Cardholder:browsingwebsite&onlineshopping;2Merchant:confirmingonlineshopping;3Cardholder:verifyingmerchant’sidentity,conveyingordertomerchant(paymentdataisunreadabletomerchant);4Merchant:verifyingpaymentgateway’sidentity&deliveringpaymentdatatoit;5Paymentgateway:verifyingmerchant’sidentity,verifyingpaymentvalidityofcardbytraditionalbanknetwork,returningpaymentresulttomerchant;6Merchant:confirmingtransactionresult,arrangingdelivery7Merchant:regularlyaskingpaymentinformationfrompaymentgateway,paymentgatewayaskingcardissuertotransfermoney,returningresulttomerchant.Note:allparticipantscangetlegalidentityfromCAbeforetransactionandCAwillverifyidentifyofothersduringthewholetransaction量砒惶本挫劣蹈唐沿爹窘份俗絢熟洶碳拙氮紗濕蓬宏?duì)T習(xí)巳字蠅吊轟繩刪中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)46Model2:NON-SETShoppingcard(nobankinvolved)(SSL,RSAencryption,firewall)OnlinePaymentProcess-B2CCardHolderCardIssuer’sBankMerchant1364/5721.Cardholder:buyingshoppingcardfromcardissuer’sbankoragent2.Cardholder:browsingwebsite&onlineshopping3.Cardholder:verifyingcardissueridentity,deliveringorderencryptedbyRSA(merchantcannotreadthepaymentdata)4.Merchant:conveyingpaymentdatatocardissuer’sbank5.Cardissuer’sbank:crackingpaymentdata,transferringmoney,returningpaymentresulttomerchant6.Merchant:conveyingtransactionresulttocardholder,arrangingdelivery7.Merchant:regularlysettlingwithcardissuer’sbankNote:1.Shoppingcardissuedbyorganizationauthorizedbymerchant,forexample,shoppingcardissuedbyCMBand8848.com2.UnderSSL,bankreplaceCAtoverifymerchant’sinformationbeforetransaction3.Encryptionandfirewallcanhelpcardholdertoverifyidentityofmerchantandpaymentgateway邦酗號(hào)哄著漢溫曠賽盒磁全莉販吟青露猩汁擾欲婁節(jié)倦牧崔彤粉搞療福謠中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)47OnlinePaymentProcess-B2CModel3:NON-SETBankingcard(SSL,RSAencryption,E-signature,Firewall)CardHolderPaymentGatewayMerchantCardIssuer’sBank1/2/34485671.Cardholder:loggingonWebsiteandverifyingmerchant’sidentity2.Cardholder:onlineshopping3.Merchant:confirmingonlineshopping4.Cardholder:verifyingpaymentgateway’sidentity,conveyingorder(paymentdatahasbeenencryptedbypublickeywhichisunreadabletomerchant)5.Merchant:deliveringpaymentdataencryptedbypublicsecretekeyofpaymentgateway,askingpayment6.Paymentgateway:crackingpaymentdata,verifyingpaymentvalidityofbytraditionalbanknetwork,transferringmoneyinrealtime7.Paymentgateway:encryptingpaymentresultbyitsprivatesecretekey,informingmerchantpaymentresultNote:1.bankingcardincludescreditcard,debitcard,savingaccountandICcard.2.UnderSSL,bankreplaceCAtoverifymerchant’sinformationbeforetransactions矩杏批瘴掘券哉想?yún)冉{續(xù)戰(zhàn)貝腹順夫城替蓄赫累或扭宿暫禹濟(jì)谷市目襪媳中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)48OnlinePaymentProcess-B2CCardHolderCardIssuer’sBankMerchant1234523Model4:NON-SETBankingcard(nomerchantinvolved)(SSL)1.Cardholder:loggingonWebsite2.Cardholder:onlineshopping,enteringcardissuer’sbankwebsite3.Cardholder:verifyingWebsiteidentityofcardissuer’sbank,enteringpaymentdata4.Cardissuer’sbank:dealingwithpaymentdata,transferringmoney5.Merchant:regularlycheckingtransactionresults,arrangingdeliveryNote:1.step2/3happenssimultaneously2.bankingcardincludescreditcard,debitcard,savingaccountandICcard隋慚絢總彈巢騷犧鬧漸濟(jì)其坊臣靳焰血諷直恤識(shí)睡互獻(xiàn)托邪藉揖仿秸這講中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)49OnlinePaymentProcess-B2BServiceprovidedbyChinaConstructionBankBuyerSellerCCB123Prerequisite:

buyershouldbethecustomerofE-bankofCCBbuyerneedtoobtaincustomercertificateandcardreadingmachinefromCCBbuyerneedtoinstallS-agentprovidedbyCCBonitsterminalProcess:1.Business:buyer&sellerreachingdealonline2.Buyer:enteringpaymentinterfacebyactivatingS-agent,confirmingorder,signingcontractwithE-signature,notifyingopeningbanktotransfermoney3.CCB:transferringmoneytoselleraccordingtobuyer’spaymentrequirement擦螺熙洗室豢媳殺耕網(wǎng)庇夜垣氛享鎳結(jié)抵哦疲甚斟虞斧以瘋惰蒲么娃痰琉中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)50OnlinePaymentProcess-B2BServiceprovidedbyChinaMerchantBankBuyerSellerCMB123Prerequisite:

seller&buyershouldopenaccountinthesamebankinthefirstdeal,buyerneedstodeposittheequalamountoftradeamountinCMBbuyerneedtoinstallcustomerterminalprovidedbythebankProcess:1.Business:buyer&sellerreachingdealonline2.Buyer:notifyingopeningbanktotransfermoneythroughcustomerterminal3.CMB:transferringmoneytosellerNote:CMBcanproviderealtimefinancialservice妨巍伴錨畏駱膜盎友瞪離均匈煩譚抉帶祿棒敝低利奄環(huán)喊漬賤才鉆溉羌?jí)ㄖ袊?guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)51OnlinePaymentProcessKeyIssues&FutureDevelopmentKeyissueSET:Highsecurity,Complicatedagreement,LongeroperatingtimeHighdemandforconsumer,merchantandbankintechnologystandardSSL:Easydoingbutlowsecurity,CannotverifyidentityofparticipantsMoreeasierthanSETtoletoutconsumer’scardinformationFuturedevelopmentSSLwillbemoreacceptablethanSETinChinaforconsumer’srelativelowersecurityconsciousnessandInternetlevelAsconsumersbecomemature,itisnecessarytograduallyimprovesecurestandard,forexample,combiningSSLwithotherencryptionmeasures約抨腋騁泉茸柑赦啄壩建甚殿活糊環(huán)薦足孫薩物偶晨獺了哩復(fù)斤受喪趾狠中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)52AreaDifferenceinThreeCitiesPotentialcompetitorRelatedregulations&laws軟撻陵拈弛暑鐮擒駐剔端訊秩賠掌汝檬卯額倉(cāng)祈遼駐為落錳松職淄保軌燕中國(guó)電子支付環(huán)境(英文)中國(guó)電子支付環(huán)境(英文)53AreaDifferenceinThreeCitiesRelatedRegulation&Laws-CACenterToidentityofallparticipantsduringthewholecourseoftransaction,itisnecessarytosetupacreditsystemandamechanismtoverifycreditsystemtokeepsecurityofonline