隨著電子商務的興起，各種新興的商業行為日新月異，許多嶄新的商務模型因應而生。商務行為中相當重要的一個角色：付款動作，也隨著行動通訊設備的普及以及行動網路的發展而興起，從過去的現金及塑膠貨幣轉變成行動付款。雖然目前全世界已經有許多行動付款機制被提出並運行，而過去也有學者針對這些付款機制的特性加以分析，以求設計出完善的行動付款機制。在本研究將過去學者所提出的分析模型，加以整合歸納之後，設計出新的行動付款機制特性盒，並在了解各行動付款機制之特性及其付款流程後，發現現行機制因為本身的特性，造成了部份機制付款情境、系統型態、設備需求及付款流程等差異，且對於交易安全及個人隱私造成風險。因此本研究設計出一具交易安全及隱私的行動付款機制，並以多路徑傳遞做為其安全性選項。本研究結果可提供各行動付款業者建立更安全的行動付款，進而提高使用者採用行動付款的意願，建立更有效的交易付費平台。

摘要 I
目錄 II
圖目錄 IV
表目錄 VI
第一章 緒論 1
第二章 文獻回顧 3
2.1 行動付款 3
2.2 現行的付款機制 3
2.2.1 EMPS 4
2.2.2 i-Mode 4
2.2.3 MobiPay 5
2.2.4 mPay 5
2.2.5 Paiement CB sur mobile 6
2.2.6 Paybox 6
2.2.7 PayPal 7
2.2.8 Sonera Mobile Pay 8
2.2.9 中華電信小額付款服務 8
2.3 行動付款機制特性分析模型 9
2.4 行動付款相關技術 11
2.4.1 晶片卡技術 11
2.4.2 通訊技術 12
2.5 行動付款流程之相關角色 14
第三章 行動付款機制之分析 17
3.1 行動付款機制特性盒 17
3.1.1 策略面 19
3.1.2 參與者 20
3.1.3 運作面 21
3.1.4 帳務處理 22
3.1.5 實施面 23
3.2 以特性盒分析各行動付款機制 23
3.3 各行動付款之特性及付款流程分析 33
3.4 分析結果 39
3.4.1 付款情境 39
3.4.2 系統型態 40
3.4.3 付款金額 41
3.4.4 經營者與帳單類型 41
3.4.5 付款請求 43
3.4.6 設備需求 44
3.4.7 付款流程 45
第四章 行動付款機制設計 56
4.1 付款流程研究架構 56
4.2 機制特性設計及分析 58
第五章 交易情境說明與分析 60
5.1 使用者在實體店家購買實體商品 60
5.2 使用者於虛擬銷售點購買實體商品 62
5.3 使用者在虛擬銷售點購買虛擬商品 64
5.4 使用者於自動販賣機購買商品 65
5.5 個人對個人匯款 67
5.6 比較結果說明 69
第六章 安全選項模擬實驗 73
5.1 實驗說明 73
5.2 實驗情境 78
5.3 多路徑法封包傳遞說明 81
5.4 模擬實驗 83
5.4.1 路徑分散度 83
5.4.2 部份線路重覆使用率 84
5.4.3 路徑重覆率 86
5.4.4 時間成本 88
5.4.5 小結 90
第七章 結論及建議 91
5.1 結論 91
5.2 建議 92
參考文獻 93

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25.資策會FIND/經濟部工業局「電信平台應用發展推動計畫」。