支付是商業交易活動中很重要的一環，是買家和賣家之間價值的交換。隨著經濟的發展，支付的需求日趨增長，也因此促使支付方式持續地進化發展。從最早的以物易物方式，以商品貨幣作為價值交換的媒介，到現金以錢幣紙幣的形態出現，一直到訊息通訊技術的蓬勃發展，在電腦和網路的普及下發展出許多線上支付的相關創新服務。支付領域經歷了一連串的演進轉變，現代生活中，市場上有非常多支付方式供我們選擇，我們能夠透過簡單的點擊操作快速完成線上付款，也能利用行動裝置輕易的在刷卡機前感應付款，在我們能夠方便快速地完成支付行為的同時，卻對於支付系統背後的實際運作不甚了解。此篇研究希望透過不同種類支付方式的解構來深入探討支付創新。
此篇研究以支付系統的角度建構了由支付活動參與角色所組成的架構圖，架構圖中包含了付款者、收款者、付款者的銀行、收款者的銀行、負責結算與清算的清算所與信用卡公司等角色。透過多重個案分析，研究多個支付服務案例，在架構圖中依步驟流程拆解、呈現其資訊流和金流，了解各種支付方式的實際運作過程，觀察各個支付系統及角色間互動合作的關係。不僅透過多個案例的流程解構與套用來強化、驗證此研究所建立的架構圖，針對每個挑選出的個案也進行深入分析，分別以付款者和收款者的角度，呈現相關關鍵特性包含支付服務的手續費及收款與付款的時間。此外，經過多重個案的深度觀察與解析，此研究也根據支付系統現況提出相關現象的討論。此篇研究提供一個解構支付服務的工具，希望透過多重個案的解析與觀察更深入了解支付創新。 / Payment is a crucial part of commercial activity that occurs in our daily lives. As an economy expands, the requirements of payment increase rapidly, which gives rise to the continuous evolvement of various payment methods. We have evolved from a barter system to the use of cash and paper-based payment instruments, to the advent of information communication technology (ICT) which contributes to online payments, along with the creation of many types of innovative payment methods. This process has been a series of innovations in payment domains. Although many payment methods currently exist, there is a limited understanding of how payment systems work and what actually happens when we pay with a single click online or complete the payment in a flash by placing a mobile phone close to a merchant point-of-sale terminal. This study is dedicated to deconstructing various kinds of payment systems to understand payment innovations in depth.
To explore the information flow and cash flow operating in the ecosystem, this study develops a framework for analyzing a payment system based on the literature. The framework consists of a payer and payee who connect through transactions and launch a series of payment processes that include institutions such as the payer’s and payee’s bank, and intermediaries such as a credit card association, a settlement bank, and a clearing house that handles the clearing and settlement process. These components interact and cooperate to fulfill payment activities. The framework, which aims to illustrate the role that each component plays and how complicated payment systems work, is expected to cover all kinds of payment methods. We enhance and verify the framework by applying several cases for traditional and innovative payment methods. With these selected cases, we analyze payment processes between participants and clarify features relating to payment fees and time in respect to payers and payees. Through the observation of multiple cases, we also derive particular facts from the payment operation in the present ecosystem. We hope that the research will offer an instrument to better understand payment systems and provide an in-depth deconstruction and observation for payment innovation.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0104356005 |
| Creators | 朱芷嫻, Chu, Chih Hsien |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 英文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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