【正文】 XXX網(wǎng)絡(luò)支付業(yè)務(wù)可行性研究報(bào)告pXXX網(wǎng)絡(luò)支付業(yè)務(wù)可行性研究報(bào)告20110324 （一）網(wǎng)絡(luò)支付產(chǎn)業(yè)相關(guān)概述.................................................................................... 51. 網(wǎng)絡(luò)支付相關(guān)概念........................................................................................... 5. 網(wǎng)絡(luò)支付的定義.................................................................................... 5. 網(wǎng)絡(luò)支付的特征.................................................................................... 5. 電子支付的分類.................................................................................... 62. 我司擬從事支付行業(yè)范圍............................................................................... 7. 擬從事業(yè)務(wù)類型.................................................................................... 7. 業(yè)務(wù)范圍................................................................................................ 7（二）中國(guó)網(wǎng)絡(luò)支付產(chǎn)業(yè)環(huán)境分析............................................................................ 71. 網(wǎng)絡(luò)支付行業(yè)發(fā)展環(huán)境逐步完善................................................................... 72. 價(jià)值鏈角色分配有待合理合法化................................................................... 83. 中國(guó)網(wǎng)絡(luò)支付行業(yè)市場(chǎng)規(guī)模發(fā)展?fàn)顩r........................................................... 8. 中國(guó)網(wǎng)絡(luò)支付處于快速成長(zhǎng)階段........................................................ 9. 2007 年交易額規(guī)模突破 1 千億元 實(shí)現(xiàn)翻倍增長(zhǎng)........................... 9. 2010 年交易額規(guī)模突破 1 萬(wàn)億元................................................... 104. 中國(guó)網(wǎng)絡(luò)支付行業(yè)競(jìng)爭(zhēng)情況分析................................................................. 11. 市場(chǎng)競(jìng)爭(zhēng)高度集中.............................................................................. 11. 網(wǎng)關(guān)支付仍為當(dāng)前主流支付模式...................................................... 12. 主流網(wǎng)絡(luò)支付運(yùn)營(yíng)商分析.................................................................. 12（三）中國(guó)網(wǎng)絡(luò)支付發(fā)展趨勢(shì)預(yù)測(cè)分析.................................................................. 141. 20082014 年中國(guó)網(wǎng)絡(luò)支付的發(fā)展前景分析 .............................................. 142. 網(wǎng)絡(luò)支付終端業(yè)前景廣闊............................................................................. 153. 網(wǎng)絡(luò)支付呈現(xiàn)多元化趨勢(shì)............................................................................. 164. 未來(lái)第三方網(wǎng)絡(luò)支付企業(yè)將面臨洗牌......................................................... 17（四）我司網(wǎng)絡(luò)支付業(yè)務(wù)運(yùn)營(yíng)與回報(bào)...................................................................... 191. 我司進(jìn)入網(wǎng)絡(luò)支付業(yè)務(wù)的優(yōu)勢(shì)..................................................................... 192. 業(yè)務(wù)構(gòu)成與組織架構(gòu)..................................................................................... 19. 主營(yíng)業(yè)務(wù)切入點(diǎn).................................................................................. 19. 業(yè)務(wù)主體.............................................................................................. 20. 公司組織架構(gòu)...................................................................................... 203. 業(yè)務(wù)營(yíng)收......................................................................................................... 21. 業(yè)務(wù)主要營(yíng)收來(lái)源.............................................................................. 214. 投資計(jì)劃和資金使用規(guī)劃............................................................................. 21. 資金投入計(jì)劃...................................................................................... 21. 項(xiàng)目投入預(yù)算...................................................................................... 21. 項(xiàng)目實(shí)施的投入計(jì)劃.......................................................................... 22. 經(jīng)濟(jì)效益分析...................................................................................... 235. 業(yè)務(wù)處理流程................................................................................................. 24. 總體結(jié)構(gòu).............................................................................................. 24. 交易分類說(shuō)明...................................................................................... 25（五）網(wǎng)絡(luò)支付業(yè)務(wù)技術(shù)與實(shí)現(xiàn)手段...................................................................... 261. 網(wǎng)絡(luò)支付安全方案設(shè)計(jì)................................................................................. 26. 電子支付采用的安全技術(shù).................................................................. 26. 安全電子交易規(guī)范 SET .................................................................... 26. 安全套接字層協(xié)議 SSL ..................................................................... 26. 平臺(tái)與工具.......................................................................................... 272. 網(wǎng)絡(luò)支付技術(shù)方案設(shè)計(jì)................................................................................. 28. 支付體系的構(gòu)成.................................................................................. 28. 支付業(yè)務(wù)流程...................................................................................... 28. 支付過(guò)程信息構(gòu)成.............................................................................. 29. 網(wǎng)絡(luò)模型.............................................................................................. 30. 方案的軟件實(shí)現(xiàn): ................................................................................ 30. 支付過(guò)程的信息安全措施.................................................................. 32（六）電子支付的主要風(fēng)險(xiǎn)...................................................................................... 321. 電子支付的基本風(fēng)險(xiǎn)..................................................................................... 33. 交易風(fēng)險(xiǎn).......................................................