基於排隊理論的智慧型手機之移動付費系統設計與實作
No Thumbnail Available
Date
2012
Authors
Journal Title
Journal ISSN
Volume Title
Publisher
Abstract
在現行的帳單與付費模式中，始終無法完全脫離紙本、複雜的流程、大量人工和便利性的不足。複雜的流程是指目前雖有多種的電子帳單呈遞與支付(electronic bill presentment and payment, EBPP)系統，但每個服務提供者(Sellers)都各自發展獨立平台與付費系統。如果消費者面對n個不同的服務提供者，則需要向n個服務提供者申請電子帳單和付費功能等服務。本論文提出智慧型手機(smartphone)的EBPP架構與系統，解決大部分付費系統的缺點和EBPP系統的部分問題。近年由於智慧型手機的崛起與快速普及，功能日益強大，智慧型手機有助於更多功能行動化。本論文透過企業對企業(business to business, B2B)、企業對消費者(business to consumer, B2C)、交易流程、智慧型手機概念等，設計並評估將EBPP應用於智慧型手機簡稱SP-EBPP，提出6點：1.SP-EBPP系統架構與各方(parties)的處理程序。2.建立SP-EBPP系統排隊理論(queue theory)模型，並分析SP-EBPP系統的損失機率與總成本。3.分析SP-EBPP系統各方的價值定位。4.評估SP-EBPP系統的優缺點。5.SP-EBPP系統的成本與效能分析。6.將SP-EBPP系統實作模擬在Android智慧型手機上。SP-EBPP系統可大幅度地提升社會效率、提高消費者便利性、企業減少用紙量、減少人工成本、提高帳款收回速度。
Among many existing bill paying models, most paying systems still used printed bills that complicated processing procedures and increased labor- consuming. Despite there were many payment systems, many service providers still developed individual platforms and payment systems. If a consumer received services from different providers, the person would have to apply for different e-billing and payment services from the providers. This thesis proposed solutions to the problems stated above by using a smartphone-based EBPP system (SP-EBPP). The author designed a SP-EBPP and evaluated its applications to smartphone regarding B2B, B2C, trading procedures, and so on. Accordingly six points would be discussed: (1) the architecture of SP-EBPP and the processing procedures between all parities; (2) establishing queue theory models of SP-EBPP and analyzing its loss ratio and sum cost; (3) analyzing value positions of SP-EBPP between buyers, sellers, banks, and trusted third party; (4) assessing advantages and shortcomings of SP-EBPP; (5) analyzing cost and effectiveness of SP- EBPP; (6) simulating operating SP-EBPP on Android-based smartphones. SP-EBPP could increase the efficacy of billing and payment, enhance convenience for consumer, reduce paper consuming, and lower labor cost.
Among many existing bill paying models, most paying systems still used printed bills that complicated processing procedures and increased labor- consuming. Despite there were many payment systems, many service providers still developed individual platforms and payment systems. If a consumer received services from different providers, the person would have to apply for different e-billing and payment services from the providers. This thesis proposed solutions to the problems stated above by using a smartphone-based EBPP system (SP-EBPP). The author designed a SP-EBPP and evaluated its applications to smartphone regarding B2B, B2C, trading procedures, and so on. Accordingly six points would be discussed: (1) the architecture of SP-EBPP and the processing procedures between all parities; (2) establishing queue theory models of SP-EBPP and analyzing its loss ratio and sum cost; (3) analyzing value positions of SP-EBPP between buyers, sellers, banks, and trusted third party; (4) assessing advantages and shortcomings of SP-EBPP; (5) analyzing cost and effectiveness of SP- EBPP; (6) simulating operating SP-EBPP on Android-based smartphones. SP-EBPP could increase the efficacy of billing and payment, enhance convenience for consumer, reduce paper consuming, and lower labor cost.
Description
Keywords
排隊理論, 電子帳單呈遞與支付, 智慧型手機, 電子付費, queueing theory, EBPP, smartphone, e-payment