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1、1,E-commerce Online Payment,AAAA Consulting,2,Content,Project outline3 E-commerce development in China.4-25 Methodology.26-27 Key findings28-77 Available payment methods29-38 Main banks involved in E-commerce.39-43 Online payment process flow44-52 Difference in three cities53-71 Market survey result
2、.72-77 Analysis & Recommendation78-82 Issue & Concern83-85,3,Project Outline,E-commerce development Methodology Key findings Analysis & Recommendation Issue & Concern,4,E-commerce Development in China,Current Status Key Issues Future Development,5,E-commerce Development in China,E-commerce Developme
3、nt Process in China,Source: Desktop,1996: Studied E-commerce development in China 1996/12: Studied E-bank service model 1997/2: Organized developing team of E-bank service system 1997/7: Formulated E-bank service system， including providing online inquiry of cooperate finance and credit card, online
4、 declare of balance of international payment 1998/1: Organized leader team of E-bank service system by head office of bank 1998/3: First online transaction completed by Great wall credit card 1999/1: Established E-bank department to coordinate E-commerce development 1999/6: Provided many online paym
5、ent methods, for example: Easy pay developed the first complete online payment system; Bank of China set up payment gateway of SET and CA Center 1999/9: Software development center of BOC set up E-commerce laboratory,6,E-commerce Development in China,Source: Desktop,E-commerce current condition,E-co
6、mmerce development is still in the growth stage and experienced rapid development in 1999. In 1999, total amount of online transaction is RMB 5.5m and it is estimated that the total amount of online transaction will reach RMB 3.5 b in 2000 The latest research presents that internet users in China ha
7、s exceeded 17m By March 2000, there are about 1100 Web sites,7,E-commerce Structure,E-commerce Development in China,Note: CA will verify identity of all participants during the course of transaction.,8,E-commerce Development in China,1.User: browsing Web site, formulating order, delivery order/payme
8、nt data toWeb site 2/3.Web site: confirming order, conveying payment data to payment gateway 4.Payment gateway: delivery payment data to card issuers bank 5.Card issuers bank: verifying payment validity, transferring money to clearing center 6.Clearing center: accepting money, notifying collecting b
9、ank 7/8.Collecting bank: collecting money, notifying Web site 9/10.Web site: processing data, informing distributor to arranging delivery 11/12.Distributor: deliver products,9,Business Model-B2B Model 1: Information Platform,E-commerce Development in China,Function: Web site issuing supply & demand
10、information to buyer and seller Note: Such kind of Web site only provide very basic communication service between supplier and buyer Example: ,10,E-commerce Development in China,Business Model-B2B Model 2: Online Shopping City,Function: Web site providing business with E-commerce platform & helping
11、business to develop online transaction Note: The majority of participants are business providing consumption products The Web site is similar to traditional retailer renting counter Example: ,11,E-commerce Development in China,Business Model-B2B Model 3: Business own Web site,Function: Distribution
12、 Web site: business through its Web site to develop traditional offline distribution activities & providing online service to its customers Purchasing Web site: business buying online by its own Web site Example: ,12,E-commerce Development in China,Business Model-B2B Model 4: Competitive Purchasing
13、Platform,Function: Web site combining business product and service information to provide competitive purchasing service . Purchasing process: Buyer-issuing inquiry, filling out inquiry bill Web site-transferring inquiry to suppliers Suppliers-giving quotation and returning it to buyer separately Bu
14、yer-choosing suitable supplier Note: Comparing with Information Platform, business can Obtain more effective service from such model For example-gaining more business opportunities, reducing transaction time, lowering operating cost Example: ,13,E-commerce Development in China,Business Model-B2B Mod
15、el 5: Product/Service Agent Platform,Function: Business who have become agents of certain product or service develop wholesale online Note: Agent online develop traditional offline wholesale activities through Internet Example: ,14,E-commerce Development in China,Business Model-B2B Model 6: Technology Support Platform,Function: Web site online providing technology solution to business, ranging from Internet to software Note: The rapid development of E-commerce bringing a great perspective for Internet technology and consulting service Example: .n
