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1E-commerceOnlinePaymentAAAAConsulting2ContentProjectoutline………………………………..3E-commercedevelopmentinChina………………….4-25Methodology………………………………………….26-27Keyfindings…………………………………………..28-77Availablepaymentmethods…………………………………..29-38MainbanksinvolvedinE-commerce………………………...39-43Onlinepaymentprocessflow…………………………………44-52Differenceinthreecities………………………………………53-71Marketsurveyresult………………………………………….72-77Analysis&Recommendation………………………..78-82Issue&Concern………………………………………83-853ProjectOutlineE-commercedevelopmentMethodologyKeyfindingsAnalysis&RecommendationIssue&Concern4E-commerceDevelopmentinChinaCurrentStatusKeyIssuesFutureDevelopment5E-commerceDevelopmentinChinaE-commerceDevelopmentProcessinChinaSource:Desktop1996:StudiedE-commercedevelopmentinChina1996/12:StudiedE-bankservicemodel1997/2:OrganizeddevelopingteamofE-bankservicesystem1997/7:FormulatedE-bankservicesystem，includingprovidingonlineinquiryofcooperatefinanceandcreditcard,onlinedeclareofbalanceofinternationalpayment1998/1:OrganizedleaderteamofE-bankservicesystembyheadofficeofbank1998/3:FirstonlinetransactioncompletedbyGreatwallcreditcard1999/1:EstablishedE-bankdepartmenttocoordinateE-commercedevelopment1999/6:Providedmanyonlinepaymentmethods,forexample:Easypaydevelopedthefirstcompleteonlinepaymentsystem;BankofChinasetuppaymentgatewayofSETandCACenter1999/9:SoftwaredevelopmentcenterofBOCsetupE-commercelaboratory6E-commerceDevelopmentinChina80020180100ShoppingAuctionServiceLong-distanceeducationSource:DesktopE-commercecurrentconditionE-commercedevelopmentisstillinthegrowthstageandexperiencedrapiddevelopmentin1999.In1999,totalamountofonlinetransactionisRMB5.5manditisestimatedthatthetotalamountofonlinetransactionwillreachRMB3.5bin2000ThelatestresearchpresentsthatinternetusersinChinahasexceeded17mByMarch2000,thereareabout1100Websites7E-commerceStructureE-commerceDevelopmentinChinaNote:CAwillverifyidentityofallparticipantsduringthecourseoftransaction.Exchanging/clearingUserDistributionBuying/Selling/StoringCAWebSiteTransactionDatabaseAccountingPaymentGatewayInformationCardIssuer’sBank（PayingBank）CollectingSystem（CollectingBank）….BackSystem12123456789101010118E-commerceDevelopmentinChinaUserWebsitePaymentgatewayCardIssuer'sbankClearingcerterCollectingbankCAcenterE-commerceparticipants1.User:browsingWebsite,formulatingorder,deliveryorder/paymentdatatoWebsite2/3.Website:confirmingorder,conveyingpaymentdatatopaymentgateway4.Paymentgateway:deliverypaymentdatatocardissuer’sbank5.Cardissuer’sbank:verifyingpaymentvalidity,transferringmoneytoclearingcenter6.Clearingcenter:acceptingmoney,notifyingcollectingbank7/8.Collectingbank:collectingmoney,notifyingWebsite9/10.Website:processingdata,informingdistributortoarrangingdelivery11/12.Distributor:deliverproducts9IssuinginformationBusinessWebsiteBusinessDealCheckinginformationBusinessModel-B2BModel1:InformationPlatformE-commerceDevelopmentinChinaFunction:Websiteissuingsupply&demandinformationtobuyerandsellerNote:SuchkindofWebsiteonlyprovideverybasiccommunicationservicebetweensupplierandbuyerExample::WebsiteprovidingbusinesswithE-commerceplatform&helpingbusinesstodeveloponlinetransactionNote:ThemajorityofparticipantsarebusinessprovidingconsumptionproductsTheWebsiteissimilartotraditionalretailerrentingcounterExample::DistributionWebsite:businessthroughitsWebsitetodeveloptraditionalofflinedistributionactivities&providingonlineservicetoitscustomersPurchasingWebsite:businessbuyingonlinebyitsownWebsiteExample::Websitecombiningbusinessproductandserviceinformationtoprovidecompetitivepurchasingservice.Purchasingprocess:Buyer-issuinginquiry,fillingoutinquirybillWebsite-transferringinquirytosuppliersSuppliers-givingquotationandreturningittobuyerseparatelyBuyer-choosingsuitablesupplierNote:ComparingwithInformationPlatform,businesscanObtainmoreeffectiveservicefromsuchmodelForexample-gainingmorebusinessopportunities,reducingtransactiontime,loweringoperatingcostExample::BusinesswhohavebecomeagentsofcertainproductorservicedevelopwholesaleonlineNote:AgentonlinedeveloptraditionalofflinewholesaleactivitiesthroughInternetExample::Websiteonlineprovidingtechnologysolutiontobusiness,rangingfromInternettosoftwareNote:TherapiddevelopmentofE-commercebringingagreatperspectiveforInternettechnologyan