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BO CO N TT NGHIP

NGNH CNG NGH THNG TIN

ti Nghin cu v m-Commerce v cc m hnh thanh ton


Gio vin hng dn: TS.Nguyn Ngc Ha Sinh vin: m Th Thu H MSSV: 10332

Ni dung
1. Gii thiu

2. Tng quan v thng mi di ng


4. Cc m hnh thanh ton

5. SEMOPS
6. Kt lun

Gii thiu
Nhng tin b trong cng ngh v tuyn cng vi s ph dng ca cc thit b di ng to ra mt hng pht trin mi ca thng mi in t (ecommerce) l thng mi di ng (mobile commerce, hay m-commerce)

Mc tiu ca n

Tm hiu tng quan v thng mi di ng. Nghin cu, phn tch v nh gi cc m hnh thanh ton trong thng mi di ng. Nghin cu, nh gi m hnh SeMoPS t c th p dng li m hnh ny trong thng mi di ng ti Vit Nam.

Tng quan v m-commerce


Khi nim ng dng Phng tin An ton - bo mt trong m-commerce nh gi chung v m-commerce

m-commerce
Hnh thc giao dch thng mi in t c thc hin trn cc thit b di ng thng qua mi trng mng khng dy c gi l thng mi di ng (Mobile Electronic Commerce hay m-

Commerce).

ng dng

Mobile finance service:


Mobile banking Mobile payment

Digital content service: ti nhc chung, hnh nn, tin nhn hnh, tin tc, gii tr Cc dch v mua bn hng ha ( physical goods )

Mt s dch v khc: xe, t v.

Phng tin

SMS ( Short Messaging Service ) WAP ( Wireless Application Protocol ) I-Mode NFC ( Near Field Communication ) Bluetooth

An ton - bo mt
Nhng dch v bo mt (Security Services)

Chng thc (Authentication)


Tnh b mt d liu (Data confidentiality/secrecy)

Tnh ton vn d liu (Data integrity)


Khng t chi (Non-repudiation)

Tnh sn sng (Availability)

An ton - bo mt
C ch bo mt (Security Mechanisms)

H thng mt m kho i xng H thng kha bt i xng

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nh gi chung
Thun li

Nng cao mc cung cp dch v v cung cp thm phng thc thanh ton cho ngi dng. S yu thch ca khch hng s mang li li nhun cho thng mi di ng. Thng mi di ng s tit kim chi ph v to ra nhng c hi bun bn mi. Thng mi di ng c th thc hin c bt c u v bt c lc no trn nhng thit b nh v nh gn. Mang tnh c nhn cao v c th kim sot c ti khon ca chnh mnh thng qua thit b di ng. Thng mi di ng c th lm cho ngi bn hng v ngi mua hng d tin li gn nhau hn mang li nhng li nhun tt nht da trn mi quan h gn gi gia ngi bn v ngi mua.
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nh gi chung
Kh khn

Thit b di ng thng khng c c sc mnh v x l cng nh sc mnh v ha nh my tnh c nhn. Mn hnh hin th ca thit b di ng thng nh. cng l mt kh khn trong vic hin th cc ng dng phc tp Mi h thng cung cp mng c cch kt ni n MCommerce khc nhau. C ngha l vic thng nht mt chun kt ni l kh khn. Chi ph giao dch cao
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M hnh thanh ton trong TMD


Qui trnh thanh ton di ng bao gm 1 s bc sau: 1) ng k 2) Giao dch:
a) Khch hng mua 1 ni dung (content) bng vic s dng thit b di ng b) Nh cung cp ni dung (Content provider) chuyn tip yu cu ny ti nh cung cp dch v thanh ton. c) Tip , nh cung cp dch v thanh ton yu cu xc thc vi bn th 3 tin cy (TTP) d) Nh cung cp dch v thanh ton s thng bo cho nh cung cp ni dung v tnh trng ca vic xc thc. Nu khch hng c xc thc thnh cng, nh cung cp ni dung s giao ni dung c mua cho khch hng.
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M hnh thanh ton trong TMD


3) Thc hin thanh ton: Qu trnh thanh ton c th thc hin thng qua hnh thc thanh ton nh tr trc hoc tr sau.

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3. M hnh thanh ton trong TMD


M hnh s dng SMS M hnh s dng WAP Mt s m hnh khc nh: Paybox, iPIN, Vodafone m-PayBill, m-Pay, Jalda.

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M hnh thanh ton SEMOPS


Kin trc v lung giao dch SEMOPS


H tng SEMOPS

Mt s ng dng in hnh
nh gi m hnh

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Kin trc v lung giao dch SEMOPS


Mt lung giao dch SEMOPS in hnh cho mt thanh ton t 1 khch hng ti 1 ngi bn c tho lun di y

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Kin trc v lung giao dch SEMOPS

Bc 1: Ngi bn cung cp cho khch hng nhng chi tit giao dch cn thit. Nhng d liu ny bao gm nhng yu t nhn dng ngi bn v giao dch c nhn. Bc 2: Khch hng nhn d liu giao dch t ngi bn. Mt mu n thanh ton chun c chun b gi ti bn x l thanh ton c chn. Khi n thanh ton sn sng cho vic giao dch, khch hng kim tra li ni dung thc hin xc thc v gi n thanh ton ti bn x l thanh ton c chn.
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Kin trc v lung giao dch SEMOPS

Bc 3: Bn thanh ton ca khch hng nhn n thanh ton s nhn dng khch hng v x l n thanh ton. Bc 4: Bn x l thanh ton ca ngi bn nhn thng bo thanh ton v nhn dng ngi bn. Sau s gi thng bo thanh ton cho ngi bn trong thi gian thc. Bc 5: Ngi bn s quyt nh chp thun hoc t chi thanh ton. Sau ngi bn s gi mt xc nhn giao dch ti bn x l thanh ton ca mnh

Bc 6: Trung tm d liu s gi 1 xc nhn ti bn x l thanh ton ca khch hng.


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H tng SEMOPS
Customer Module: thc hin mt giao dch thanh ton s dng dch v

Truyn thng vi nhng h thng ca ngi bn, Truyn thng vi bn thanh ton c chn,

Qun tr nhng chi tit giao dch v thng bo cho ngi s dng v trng thi giao dch.

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H tng SEMOPS

Merchant Module: cu ni gia ngi bn v ngi mua, gia ngi bn v bn x l thanh ton ca h Nhn thng tin giao dch cn thit ca h thng bn hng ca ngi bn v chuyn n ti khch hng Ph chun giao dch: bn x l thanh ton ca ngi bn gip ngi bn chp nhn hoc t chi giao dch mt cch t ng da vo thng tin n c Qun tr nh t to bo co

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H tng SEMOPS
An ton - bo mt trong SEMOPS
SEMOPS xy dng c ch bo mt ti cc bn x l thanh ton vi nhng iu lu sau y: Cc ngn hng khng cho php thng tin m ha trong mng ni b, bi vy vic gii m phi c thc hin ti Demilitarised Zone (DMZ). Cc ngn hng thng c h thng chng thc ring ca h do SEMOPS phi ng thao tc c vi nhng c s h tng c sn. SEMOPS s dng nhng knh khng ng nht bao gm nhng knh c bit nh USSD
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Mt s ng dng in hnh

Thanh ton cho cc dch v cung cp ni dung s Thanh ton cho cc dch v tc thi nh thanh ton cho vic xe, mua v, np tin vo ti khon di dng Thanh ton trong m hnh P2P

Thanh ton bng POS (Point of Sale Payment)


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nh gi m hnh
M hnh kinh doanh ca SEMOPS c da trn hai khi nim chnh : l s phi hp gia cc ngn hng v cc nh iu hnh mng di ng. l s tin tng gia nhng mi quan h x hi, t mi ngi khc nhau ch tin hnh cng vic vi ngn hng hoc nh iu hnh mng di ng m mnh tin cy.
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nh gi m hnh
SeMoPS cho php mang li nhng li th sau: Dch v tin cy Kh nng kt ni nhng knh bn hng khc nhau (Internet, di ng) H tr hnh thc a giao dch (B2C, B2B, P2P) Nhiu loi sn phm khc nhau c kt hp (ni dung s, giao vt, xe, c cc, cc sn phm truyn thng.) Nhiu tnh hung thng mi c kt hp (xa, gn, POS, P2P). Khch hng ca nhng nh cung cp dch v khc nhau c kt hp (ngn hng, nh iu hnh mng di ng v nhng nh cung cp khc).

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6. Kt lun

Thng mi di ng: hnh thc thng mi y tim nng ti Vit Nam Thanh ton trong thng mi di ng:

C s h tng cng ngh tt

Thun tin cho ngi dng,


m bo an ton trong giao dch, C chun chung v kh nng tng tc lin mng

Chi ph hp l

Tnh kh thi ca m hnh SeMoPS ti Vit Nam


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EM XIN CHN THNH CM N!

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