| Online payment is the core of e-business, which involves the buyer, seller, bank, Logistics Company, government department, Certificate Authority (CA) and e-business trade platform, what's more, also includes the software and hardware facilitator and supplier of the network system. All the participants of online payment are the component parts of the value chain of online payment industry.The online payment industry needs information flow, business flow, funds flow, logistics flow and government affairs flow, which we call "Five flows of e-business", work in coordination. There are business chain, funds chain, logistics chain and government affairs chain, called "Four chains of e-business", which are corresponding with the "Five flows of e-business". The online payment also needs the "Four chains of e-business" work in coordination. However, it is only at the starting stage, the "Five flows of e-business" and "Four chains of e-business" are rupture, not work in cooperation. In order to realize the online payment industry value added, it is urgently needs the systematic research that about the value chain of online payment industry.The main contents of this research are showed as follows:(1)Probe into the operation law of value chain of online payment industry. Structure the general value chain model for online payment industry, which includes foundation payment layer, backbone payment layer and application payment layer. Analyze each layer of the mode; also study the positions of each layer in the value chain mode, the inherent logic relation during the three layers, and the contribution degree of each layer when the industry is value added.(2)The value added point of value chain of online payment industry. Study the settlement mechanism of Central Bank and commercial bank which is at the foundation payment layer. Analyze the characteristic and limitation of the foundation payment layer; Compare the internet banking payment gateway online payment mode, the unified payment gateway online payment mode and the third party online payment mode; at the base of analyzing the foundation and backbone payment layer, get the value added points of two lower layer, at the same time, we find the innovation services which is the value adds points abut the upper layer.(3)The value-added ways about value chain of online payment industry. After analyzing and studying the value added point of value chain of online payment industry, we have carried on the systematical transformation to the payment and settlement system of bank; have put forward the Synergetic online payment mode which is suitable for Chinese conditions, and have the discussion from topological structure, trade procedure and innovation services which includes anti-money-laundering, anti-tax evasion, credit evaluation, economic statistics and forecasting.The innovations of this thesis are showed as follow:(1)Structure the general value chain model for online payment industry, which includes foundation payment layer, backbone payment layer and application payment layer, based on industry value chain theory.(2)Use the Value Engineering theory and industry value chain theory to analyze the value chain of online payment industry, and get the value added points for every payment layer in the value mode.(3)Study the value-added ways based the synergistic theory, have constructed the synergetic online payment mode which is suitable for Chinese conditions, and have designed topological structure and trade procedure.Online payment is only at the starting stage, it is a great problem that how to make the online payment industry promote the development of economy, and realize value added. It has the important theory and practical significance that study the online payment industry, make the "Five flows of e-business" and "Four chains of e-business" work in cooperation, make the chain of online payment industry realize value added, and promote the development and application of inline payment. |
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