【正文】 ss Business Technology request Technology service Business ModelB2B Model 6: Technology Support Platform Function: Web site online providing technology solution to business, ranging from Inter to software Note: The rapid development of Emerce bringing a great perspective for Inter technology and consulting service Example: 15 Emerce Development in China Business ModelB2C Model 1 Online Shopping Supplier Web site Consumer Deal Supply Demand For example: Competitive Purchasing Supplier1 Supplier2 Supplier3 Consumer Web site Deal Demand Supply Supply Supply Dealing with supplier who offers petitive price Fox example: 16 Emerce Development in China Business ModelB2C Model 2 Individual Quotation Consumer1 Consumer2 Web site Supplier Consumer3 Supply Deal Demand Demand Demand During this kind of transaction, supplier will deal with consumer who give the highest offer, so price flows from low to high in this model For example : Group Quotation Supplier Deal Consumer1 Web site Consumer2 Consumer3 Supply Demand Demand Demand Deal Deal During this kind of transaction, to deal with all consumers, supplier will give Cheaper offer, so price flows from high to low in group quotation For example : 17 Emerce Development in China Business ModelB2C Model: Individual Ebank Consumer Consumer Web Site of Bank ?Expense account: for example, gas bill, mobile phone fees ?Checking/transferring account ?Online shopping payment For example: 18 Basic Emerce Transaction Process Emerce Development in China Notify Consumer Credit card anization Bank Merchant CA Center Order Delivery Transfer Transfer Payment Bill Transfer 1 2 3 4 5 6 7 8 : formulating order, delivering order/payment data to merchants : confirming order, transferring payment data to bank : verifying validity of payment, informing credit card anization 4/5/ card anization: transferring money, notifying bank : returning payment result to merchant : arranging delivery 19 Technology Support Emerce Development in China Payment software for merchant server: Cyber Cash 1999/05/19) G10beSet Pos (1998/06/15 ( ) S／ PAY (1999/01/11) V Pos (1999/01/20) IBM Payment Server (1999/05/12) Payment gateway software for bank server: G10beSet G10beSet Gateway (1998/08/28) S／ PAY (1999/04/19) Vellfone V GATE (1999/02/16) IBM Payment Gateway (1999/02/25) Software for CA: Commerce STAGE Secure CA() G10beSet的 G10beSet () Verisign CA () IBM Payment Begist () Ewallet software for card holder: Commerce STAGE () CyberCash Wal—let () G10beSet Wallet () Spyrust/Terisa WebWallet () Tnntech S／ NY () Verifone wallet () IBM Comsamer Wallet () 20 Emerce Development in China Case oneIBM Solution: Payment Gateway (1999/02/25) Payment gateway enabling services: for Bank amp。 Bank of China set up payment gateway of SET and CA Center 1999/9: Software development center of BOC set up Emerce laboratory 6 Emerce Development in China 80020180100Shopping Auction Service Longdistance educationSource: Desktop Emerce current condition Emerce development is still in the growth stage and experienced rapid development in 1999. In 1999, total amount of online transaction is RMB and it is estimated that the total amount of online transaction will reach RMB b in 20xx The latest research presents that inter users in China has exceeded 17m By March 20xx, there are about 1100 Web sites 7 Emerce Structure Emerce Development in China Note: CA will verify identity of all participants during the course of transaction. Exchanging/clearing User Distribution Buying/Selling/Storing CA Web Site Transaction Data base Accounting Payment Gateway Information Card Issuer’s Bank （ Paying Bank） Collecting System （ Collecting Bank） …. Back System 12 1 2 3 4 5 6 7 8 9 10 10 10 11 8 Emerce Development in China U s e r W e b s it e P ay m e n t g at e w ay C ar d I s s u e r 39。 Remendation………………………..78 82 Issue amp。 Concern………………………………………83 85 3 Project Outline Emerce development Methodology Key findings Analysis amp。s b an k C le ar in g c e r t e r C olle c t ing bank C A c e nt e rE c om m e r c e p ar t ic ip an t s: browsing Web site, formulating order, delivery order/payment data toWeb site 2/ site: confirming order, conveying payment data to payment gateway gateway: delivery payment data to card issuer’s bank issuer’s bank: verifying payment validity, transferring money to clearing center center: accepting money, notifying collecting bank 7/ bank: collecting money, notifying Web site 9/ site: processing data, informing distributor to arranging delivery 11/: deliver products 9 Issuing information Business Web site Business Deal Checking information Business ModelB2B Model 1: Information Platform Emerce Development in China Function: Web site issuing supply amp。 Financial institutions SET for Ecredit Enabling Services: transforming credit card transaction information under SET system SET for Edebit Enabling Services: transforming automatic transfer information under SETlike system SSL for Ecredit Enabling Services: transforming credit card transaction information under SSL system Payment gateway connection services: for Store appointed by bank, ISP, online shopping city SET for Ecredit Connection Services:, Connecting objectives with payment gateway of bank amp。 place 35 Preferred Payment Methods for Online shopping Available Payment Methods Ranking Banking card Cash on delivery others Pos