近年來，ＩＣ卡商業應用在先進國家已廣泛應用於交通、電信等行業，並蓬勃發展中，而在零售業應用也漸露出曙光。目前零售業買賣交易仍以現金為主要支付工具，尤其便利商店往往金額小而筆數多，目前現行信用卡或金融卡支付工具較不適宜，如能利用現代低成本IC晶片卡作為支付工具，並以安全及簡便性為訴求目標，將是零售業及消費者一大福音。 本研究從我國零售業經營體系概況、零售服務業產變化近況及未來經營發展為出發，並瞭解ＩＣ卡相關商業運用，再分別以消費者、商家及金融業需求進行探討，進而找出國內外IC晶片卡在零售業應用及營運模式，最後提出我國ＩＣ儲值卡消費支付應用整合的可行性。 本研究之目的與動機，是希望瞭解國外零售業實際發行企業IC儲值卡運作模式，探討國內實際作業環境及需求，提供我國零售業或金融業規劃相關業務之參考。 / In the developed countries, IC card now widely applies in the traffic, communication etc. The application grows up fast and it developed in the retailing little by little. Now the trades of the retailing still pay in cash. Especially the trades of the convenience stores are the type of the little-money-many-times. In the type, it is unfit for credit card. If we use IC saving card for paying in the retailing, it is very fine for the retailing and consumers. Because the paying method has the advantages of low-cost, safety, convenience and so on. The study begins with the retailing operation, changes, future of our country, then understands the business application of the IC card. And the study bases on the need of consumers, stores and banks to explore, then finds the application and operating model of IC card in the convenience stores. In the end, the study summaries the integrated paying usefulness of IC card in our country. The purpose of the study focuses on understanding the operating model of IC saving card overseas. And it explores the actual operating environments of the IC saving card in our country. Finally, it supplies the relative planning reference of the retailing and the banking for our country.