臺灣博碩士論文加值系統

論文摘要
不可否認的，電子付款機制的健全發展是促進電子商務發展的一大關鍵，因此網路金流的健全是目前所有電子商務業者與消費者共同關心的話題。有鑑於金流在整個電子商務發展的重要性，所以本研究選擇對台灣線上交易的支付機制作進一步的研究探討。
本研究以嚴謹的方式，完整的探討國內外電子付款相關文獻，作一分析整理。並且針對台灣的環境及法規就電子付款相關議題的發展，先進行焦點團體之訪談，再從電子商務經營業者與消費者兩個角度來作台灣電子付款機制發展意見的調查，及電子付款工具選擇特性重要順序調查，並互為驗證。
根據本研究之結果，提出對電子商務參與者之建議為加強對消費者付款機制安全性之教育與宣導，儘速推動網路商家之認證及健全消費者保護機制，並參考本研究對消費者偏好結構之調查，以對市場有更準確之掌握。對政府方面，建議多了解業者之實際需求，儘速開放與修訂電子付款相關法規，以協助電子商務之發展，並監督與管理電子貨幣之發行。
關於未來台灣電子付款機制之發展，應是多種付款機制並存，除了國外目前既存之電子付款產品外，由於台灣特殊之人口居住密集度及手機普及度，網路下單便利商店付款取貨，利用手機進行電子付款，也將是未來發展之可能方向。
從這些調查中，提出的結論，將能提供國內電子商務業者在採用電子付款工具時，不但可以瞭解其他業者的看法，也可從消費者的偏好結構中看出某種電子付款工具運作的可行性參考，增加業者對市場大眾之瞭解。也能使政府及監督機關，對電子商務業者及消費者的需求有進一步的認知，在未來相關法規之開放與修訂上，能更符合市場發展之需要，真正達成政府協助民間推展電子商務之目標。相信這些調查之結果，對國內網路金流之健全發展，有重要的參考價值。

Thesis Abstract
For most commercial transactions, cash flow is always one of the key activities along with information and physical goods flows. As the volume of EC becomes larger, the role of secure and economical on-line payment on the Internet will, accordingly become more important. In this research, we focus on the design of e-payment systems acceptable by both the business organizations and consumers.
We first conducted a thorough literature review and then several focus group sessions were held to identify key factors that are crucial for the design of e-payment systems. A questionnaire was designed to survey the opinions of e-commerce related companies about the current status of payment mechanisms used in Taiwan and what an ideal e-payment system should look like. Also, we use conjoint analysis to explore consumers'''' ranking of several e-payment mechanisms based on the survey results. By combining both the voices from consumers and e-business organizations, we try to come up an e-payment system acceptable by both parties.
Based on our research findings, we propose the following two recommendations:
1. For the business side, we suggest e-business organizations to promote consumers'''' awareness of the security issues of e-payment mechanisms, to expedite the implementation of certificate authentication system, and to enhance consumer protection.
2. For government agents, it is vital to build up a communication channel between government and business stakeholders, so as to pass laws that will facilitate the development of e-business.
For sure, there is no any payment system can dominate the others in all aspects; hence, we do expect that many e-payment systems will prevail for quite a while. As for which system will stand out as the de facto standard for the industry is a question to be answered by time. Due to Taiwan''''s special characteristics of high population density and high penetration rate of mobile phone, some innovative payment systems can be developed to fit our unique environment. In summary, we wish our research findings could provide useful insights for those who are interested in the design of e-payment systems.

謝詞…………………………………………………………………………I
論文摘要……………………………………………………………………II
Thesis Abstract …………………………………………………………III
論文目錄 …………………………………………………………………IV
圖目錄………………………………………………………………………VI
表目錄………………………………………………………………………VII
第一章 緒論………………………………………………………………1
一、研究動機…………………………………………………………1
二、研究目的…………………………………………………………3
三、研究方法與思考方向……………………………………………4
四、論文架構與相關說明……………………………………………4
第二章 文獻探討…………………………………………………………6
第一節 電子付款機制之定義………………………………………6
第二節 電子付款系統簡介…………………………………………9
第三節 電子付款機制之需求………………………………………12
第四節 電子付款機制之特性………………………………………19
第五節 電子付款機制之分類………………………………………20
第六節 各種電子付款機制介紹……………………………………21
第三章 電子付款機制在台灣之現況……………………………………40
第一節 目前國內網路交易之付款情況……………………………40
第二節 國內之電子付款機制………………………………………41
第三節 電子付款機制之相關法令…………………………………42
第四節 電子付款機制之評估與政策………………………………43
第五節 政府在電子付款中之角色…………………………………47
第六節 未來的台灣網路電子付款系統之發展趨勢………………50
第四章 業者意見調查……………………………………………………52
第一節 研究設計與方法……………………………………………52
第二節 資料分析與研究結果………………………………………65
第五章 消費者偏好結構分析……………………………………………87
第一節 研究方法論─聯合分析法…………………………………87
第二節 研究設計與實證模型………………………………………97
第三節 消費者偏好結構分析………………………………………106
第六章 結論與建議………………………………………………………114
第一節 研究結論……………………………………………………114
第二節 研究調查結果………………………………………………116
第三節 研究限制……………………………………………………121
第四節 後續研究建議………………………………………………122
參考文獻……………………………………………………………………123
附錄一 焦點團體訪談記錄………………………………………………126
附錄二 問卷一（針對電子商務業者調查）……………………………135
附錄三 問卷二（針對消費者調查）……………………………………139

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