| Abstract: | 在電子商務的時代，智慧型載具已相當普遍，手機已成為生活中最重要的物件，交易中所使用的支付工具也多元化。個人消費上使用支付工具，習慣上仍以現金為首要、其次是儲值卡、信用卡。而行動支付正蓄勢待發急起直追，顛覆了傳統消費行為模式，改變支付習慣。在食、衣、住、行、育、樂等只要一「機」在手，無論是交通、餐飲、住宿、醫療等必要支出，行動支付皆可提供更多支付技術，滿足生活上的需求。台灣於2015年1月16日,立法院三讀通過電子支付機構管理條例,並於2015年5月3日正式施行。從電子支付機構管理條例立法到至今,雖電子支付工具不斷推出,且相關單位也持續完善電子支付的環境,但我國電子支付發展卻未如他國普及,推廣也相對緩慢。本研究以文獻探討，分別介紹行動支付的定義、起源、推展、分類、價值鏈及營運模式，且以三大營業項目-電子支付、電子票證、第三方支付就各方面探討：根據法源、主管機關、公司型態、最低實收資本額以及經營範圍等分析介紹。再以質性研究方法之次級資料分析法，透過企業報告、期刊、專業論壇、研究報告、會議紀錄及相關網站等、針對國際二大支付品牌(Apple Pay、Line Pay)以及本土行動支付業者(街口支付、台灣Pay)，就支援裝置、支付工具、適用交易、及交易限額做個案介紹與分析比較，總結出各支付業者之差異性與適用性，最後建議用戶如何自行選擇適合自己的「Pay」。
Smart phones become the most valuable daily necessities at the age of E-commerce. Due to the universal of the intelligent vehicle technologies, the payment instruments have been developed much more variety; while personal expense habit still relies on cash for the priority, other than smartcards or credit cards. Since the rapid rising of mobile payment has reversed the conventional payment habit, every expense, including commuting, dining, housing, or medical expenses, needs only one smart phone to manage all the daily expenses. Taiwan has passed “The Act Governing Electronic Payment Institutions” on January 16, 2015 and effected on May 3, 2015. Since then, different kinds of e-payment instruments have been delivered in succession, also relevant departments have devoted to make the act and payment devices completion. Nevertheless, the development and applying of e-payment has not been universalized in Taiwan than in other countries, so as well the promotion. The research separates mobile payment into three main categories, e-payment, electronic-ticket, and third-party payment, to make comparisons about different payment cooperation; for example, Apple Pay and Line Pay, as the comparison of international brand; JKOPAY and Taiwan Pay, as the comparison of local brand. Moreover, the research also emphasizes the comparison about different payment instruments. Consequently, expects to conclude the variety and applicability from different payment service for the consumers to select the right payment instruments. |
