1. NCCU Academic Hub
  2. Publications
  3. College of Commerce
  4. NSC Projects
  5. Item

Publications-NSC Projects

Article View/Open

Publication Export

Google ScholarTM

NCCU Library

Citation Infomation

Related Publications in TAIR

題名 解構支付創新系統架構
A Deconstruction of Payment Innovation
作者 尚孝純
貢獻者 資管系
關鍵詞 payment innovation; payment system; social payment; mobile payment
日期 2018-09
上傳時間 9-Jun-2026 13:15:26 (UTC+8)
摘要 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的進化發展。從最早的以物易物，以商品貨幣作為價值交換的媒介，到現金錢幣紙幣的出現，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。然而，在我們能夠方便快速的完成支付行為的同時，對於支付系統背後的實際運作卻沒有深度了解。此篇研究希望透過解構不同種類支付創新方式建立有用架構以清楚瞭解支付流程與支付機制之設計。此篇研究以支付系統支付者與受支付者的角度解構支付活動，參與角色，金流分配與授權機制，設計分析架構包含：付款者、收款者、付款者銀行、收款者銀行、支付處理機構、清算機構、發行機構、處理機構與支付服務提供業者等角色。透過多個支付服務案例，拆解其資訊流和金流，在架構中以步驟流程的方式呈現，了解各種支付服務的實際運作過程，觀察各個支付系統角色所提供的功能與角色間互動合作的關係。不僅透過多個的流程解構與套用來強化與驗證此研究所建立的架構，針對每個挑選出的個案也進行深入分析，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、收款與付款時間以及其他的附加價值。研究案例，含貨幣支付，信用支付，第三方支付，社群支付，行動支付與分享支付。此篇研究提供一個解構支付服務的系統架構，希望透過個案的解析更深入了解支付創新，並提供支付創新研究一個新穎完整的分析工具。
Payment is the transfer of value in exchange for goods or services between payers and payees. As economy expands, the requirements of payments increase rapidly, which give rise to continuous evolvement of various payment methods ranging from barter system to paper based payment instruments. With the advent of Information Communication Technology (ICT), online payments emerges and brings about all kinds of innovative payment methods such as third-party protected payments, mobile payments, social payments and share payments. Nowadays, consumers have plenty of options in selecting payment methods for on-and-offline transactions. However, there is limited understanding of how the cash flow works from payers to payees and what actually happens after a single click online or placing a mobile phone close to a merchant point of sale (POS) terminal. This study tries to deconstruct various kind of payment systems to understand the payment flow among stakeholders and hopes to identify possibilities for innovations among major system components. To uncover the information flow and cash flow operating among participants in the ecosystem, this study develops a framework for analyzing payment system based on researches on payments and cotemporary cases. The framework consists of payer and payee, who connect each other with transactions and launch a series of payment process, along with the institutions, including payer’s bank, payee’s bank, payment processor, credit card association, settlement bank, clearing house and payment service provider, which are involved in the payment process. These components in the framework interact and cooperate with each other to fulfil the payment activities. This framework aims to examine the role played by each component and the complicated system flows. The framework is to be enhanced and verified by testing on traditional and innovative payment approaches including: C2B (consumer to business), P2P (peer to peer) and A2A (account to account) payments. The results will not only reveal clearly the cash flow processes between participants but also clarify the features relating to payment fees, periods and benefits between payers and payees. It is hoped that the research will offer an instrument for thorough examination of the value of various payment processes and inspire innovative thinking in deconstructing and reconstructing the complex payment processes.
關聯 科技部, MOST106-2410-H004-050, 106.08-107.07
資料類型 report
dc.contributor 資管系
dc.creator (作者) 尚孝純
dc.date (日期) 2018-09
dc.date.accessioned 9-Jun-2026 13:15:26 (UTC+8)-
dc.date.available 9-Jun-2026 13:15:26 (UTC+8)-
dc.date.issued (上傳時間) 9-Jun-2026 13:15:26 (UTC+8)-
dc.identifier.uri (URI) https://ah.lib.nccu.edu.tw/item?item_id=182848-
dc.description.abstract (摘要) 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的進化發展。從最早的以物易物，以商品貨幣作為價值交換的媒介，到現金錢幣紙幣的出現，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。然而，在我們能夠方便快速的完成支付行為的同時，對於支付系統背後的實際運作卻沒有深度了解。此篇研究希望透過解構不同種類支付創新方式建立有用架構以清楚瞭解支付流程與支付機制之設計。此篇研究以支付系統支付者與受支付者的角度解構支付活動，參與角色，金流分配與授權機制，設計分析架構包含：付款者、收款者、付款者銀行、收款者銀行、支付處理機構、清算機構、發行機構、處理機構與支付服務提供業者等角色。透過多個支付服務案例，拆解其資訊流和金流，在架構中以步驟流程的方式呈現，了解各種支付服務的實際運作過程，觀察各個支付系統角色所提供的功能與角色間互動合作的關係。不僅透過多個的流程解構與套用來強化與驗證此研究所建立的架構，針對每個挑選出的個案也進行深入分析，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、收款與付款時間以及其他的附加價值。研究案例，含貨幣支付，信用支付，第三方支付，社群支付，行動支付與分享支付。此篇研究提供一個解構支付服務的系統架構，希望透過個案的解析更深入了解支付創新，並提供支付創新研究一個新穎完整的分析工具。
dc.description.abstract (摘要) Payment is the transfer of value in exchange for goods or services between payers and payees. As economy expands, the requirements of payments increase rapidly, which give rise to continuous evolvement of various payment methods ranging from barter system to paper based payment instruments. With the advent of Information Communication Technology (ICT), online payments emerges and brings about all kinds of innovative payment methods such as third-party protected payments, mobile payments, social payments and share payments. Nowadays, consumers have plenty of options in selecting payment methods for on-and-offline transactions. However, there is limited understanding of how the cash flow works from payers to payees and what actually happens after a single click online or placing a mobile phone close to a merchant point of sale (POS) terminal. This study tries to deconstruct various kind of payment systems to understand the payment flow among stakeholders and hopes to identify possibilities for innovations among major system components. To uncover the information flow and cash flow operating among participants in the ecosystem, this study develops a framework for analyzing payment system based on researches on payments and cotemporary cases. The framework consists of payer and payee, who connect each other with transactions and launch a series of payment process, along with the institutions, including payer’s bank, payee’s bank, payment processor, credit card association, settlement bank, clearing house and payment service provider, which are involved in the payment process. These components in the framework interact and cooperate with each other to fulfil the payment activities. This framework aims to examine the role played by each component and the complicated system flows. The framework is to be enhanced and verified by testing on traditional and innovative payment approaches including: C2B (consumer to business), P2P (peer to peer) and A2A (account to account) payments. The results will not only reveal clearly the cash flow processes between participants but also clarify the features relating to payment fees, periods and benefits between payers and payees. It is hoped that the research will offer an instrument for thorough examination of the value of various payment processes and inspire innovative thinking in deconstructing and reconstructing the complex payment processes.
dc.format.extent 116 bytes-
dc.format.mimetype text/html-
dc.relation (關聯) 科技部, MOST106-2410-H004-050, 106.08-107.07
dc.subject (關鍵詞) payment innovation; payment system; social payment; mobile payment
dc.title (題名) 解構支付創新系統架構
dc.title (題名) A Deconstruction of Payment Innovation
dc.type (資料類型) report