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1、1 E commerceOnlinePayment AAAAConsulting 2 Content Projectoutline 3E commercedevelopmentinChina 4 25Methodology 26 27Keyfindings 28 77Availablepaymentmethods 29 38MainbanksinvolvedinE commerce 39 43Onlinepaymentprocessflow 44 52Differenceinthreecities 53 71Marketsurveyresult 72 77Analysis Recommenda
2、tion 78 82Issue Concern 83 85 3 ProjectOutline E commercedevelopmentMethodologyKeyfindingsAnalysis RecommendationIssue Concern 4 E commerceDevelopmentinChina CurrentStatusKeyIssuesFutureDevelopment 5 E commerceDevelopmentinChina E commerceDevelopmentProcessinChina Source Desktop 1996 StudiedE commer
3、cedevelopmentinChina1996 12 StudiedE bankservicemodel1997 2 OrganizeddevelopingteamofE bankservicesystem1997 7 FormulatedE bankservicesystem includingprovidingonlineinquiryofcooperatefinanceandcreditcard onlinedeclareofbalanceofinternationalpayment1998 1 OrganizedleaderteamofE bankservicesystembyhea
4、dofficeofbank1998 3 FirstonlinetransactioncompletedbyGreatwallcreditcard1999 1 EstablishedE bankdepartmenttocoordinateE commercedevelopment1999 6 Providedmanyonlinepaymentmethods forexample Easypaydevelopedthefirstcompleteonlinepaymentsystem BankofChinasetuppaymentgatewayofSETandCACenter1999 9 Softw
5、aredevelopmentcenterofBOCsetupE commercelaboratory 6 E commerceDevelopmentinChina Source Desktop E commercecurrentcondition E commercedevelopmentisstillinthegrowthstageandexperiencedrapiddevelopmentin1999 In1999 totalamountofonlinetransactionisRMB5 5manditisestimatedthatthetotalamountofonlinetransac
6、tionwillreachRMB3 5bin2000ThelatestresearchpresentsthatinternetusersinChinahasexceeded17mByMarch2000 thereareabout1100Websites 7 E commerceStructure E commerceDevelopmentinChina Note CAwillverifyidentityofallparticipantsduringthecourseoftransaction 8 E commerceDevelopmentinChina 1 User browsingWebsi
7、te formulatingorder deliveryorder paymentdatatoWebsite2 3 Website confirmingorder conveyingpaymentdatatopaymentgateway4 Paymentgateway deliverypaymentdatatocardissuer sbank5 Cardissuer sbank verifyingpaymentvalidity transferringmoneytoclearingcenter6 Clearingcenter acceptingmoney notifyingcollecting
8、bank7 8 Collectingbank collectingmoney notifyingWebsite9 10 Website processingdata informingdistributortoarrangingdelivery11 12 Distributor deliverproducts 9 BusinessModel B2BModel1 InformationPlatform E commerceDevelopmentinChina Function Websiteissuingsupply demandinformationtobuyerandsellerNote S
9、uchkindofWebsiteonlyprovideverybasiccommunicationservicebetweensupplierandbuyerExample 10 E commerceDevelopmentinChina BusinessModel B2BModel2 OnlineShoppingCity Function WebsiteprovidingbusinesswithE commerceplatform helpingbusinesstodeveloponlinetransactionNote Themajorityofparticipantsarebusiness
10、providingconsumptionproductsTheWebsiteissimilartotraditionalretailerrentingcounterExample 11 E commerceDevelopmentinChina BusinessModel B2BModel3 BusinessownWebsite Function DistributionWebsite businessthroughitsWebsitetodeveloptraditionalofflinedistributionactivities providingonlineservicetoitscust
11、omersPurchasingWebsite businessbuyingonlinebyitsownWebsiteExample 12 E commerceDevelopmentinChina BusinessModel B2BModel4 CompetitivePurchasingPlatform Function Websitecombiningbusinessproductandserviceinformationtoprovidecompetitivepurchasingservice Purchasingprocess Buyer issuinginquiry fillingout
12、inquirybillWebsite transferringinquirytosuppliersSuppliers givingquotationandreturningittobuyerseparatelyBuyer choosingsuitablesupplierNote ComparingwithInformationPlatform businesscanObtainmoreeffectiveservicefromsuchmodelForexample gainingmorebusinessopportunities reducingtransactiontime loweringo
13、peratingcostExample 13 E commerceDevelopmentinChina BusinessModel B2BModel5 Product ServiceAgentPlatform Function BusinesswhohavebecomeagentsofcertainproductorservicedevelopwholesaleonlineNote AgentonlinedeveloptraditionalofflinewholesaleactivitiesthroughInternetExample 14 E commerceDevelopmentinChi
14、na BusinessModel B2BModel6 TechnologySupportPlatform Function Websiteonlineprovidingtechnologysolutiontobusiness rangingfromInternettosoftwareNote TherapiddevelopmentofE commercebringingagreatperspectiveforInternettechnologyandconsultingserviceExample 15 E commerceDevelopmentinChina BusinessModel B2
15、CModel1 OnlineShopping Forexample CompetitivePurchasing DealingwithsupplierwhoofferscompetitivepriceFoxexample 16 E commerceDevelopmentinChina BusinessModel B2CModel2 IndividualQuotation Duringthiskindoftransaction supplierwilldealwithconsumerwhogivethehighestoffer sopriceflowsfromlowtohighinthismod
16、elForexample GroupQuotation Duringthiskindoftransaction todealwithallconsumers supplierwillgiveCheaperoffer sopriceflowsfromhightolowingroupquotationForexample 17 E commerceDevelopmentinChina BusinessModel B2CModel IndividualE bank Expenseaccount forexample gasbill mobilephonefeesChecking transferringaccountOnlineshoppingpaymentForexample 18 BasicE commerceTransactionProcess E commerceDevelopmentinChina Notify Consumer Creditcardorganization Bank Merchant CACenter Order Delivery Transfer Transfe
