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论文编号：	11247
作者编号：	2220160835
上传时间：	2019/12/10 9:54:45
中文题目：	基于全渠道移动支付系统的集成运营模式研究
英文题目：	Research on Integrated Operating Mode Based on Full Channel Mobile Payment System
指导老师：	车建国
中文关键字：	全渠道；移动支付；集成运营模式
英文关键字：	Full Channel；Mobile Payment；Integrated Operation Mode
中文摘要：	随着移动互联网的高速发展，消费者的购物的场所已经不再局限于购物中心、商场、特色购物街等，可以选择的场所越来越多样化，线上和线下的消费场景越来越丰富，消费者面临的可选择项也发生了极大地变化。 全渠道零售的具体含义为公司较大程度的选取较多数量的零售渠道种类加以重组以及整合销售的行为。电子支付已经逐渐发展成了电子商务中一项有着重要意义的内容，在通信技术取得了重要发展的时候，电子支付的发展环境也有了关键的改善—移动支付。移动支付系统的发展，尤其是全渠道移动支付系统集成平台的建设为商户和企业提供了更多的支付渠道，方便用户进行商品购买的同时提高财务交付销量，有效的降低了商业运营所花费的资金。在此基础上，本文将开展全渠道移动支付系统的集成运营模式的研究，经过深入分析移动支付下的新形式，在传统的销售渠道的条件下，研究全渠道移动支付体系的改进方向以及工作模式，从而增强用户体验，实现增加效益。 本文设计了一个融合多个渠道的移动支付系统，集成了各类金融机构、支付机构，包括国有银行、商业银行、第三方支付公司、银联、移动联通电信等电信运营商，集合了各个支付渠道的优势，满足各类商户不同的需求。该系统属于数据处理平台，不过资金，不需要支付牌照，可以根据不同支付渠道的优势，为商户提供更好的服务。 方案设计包括了理念介绍、平台生态架构、核心模块、管理模块、支付流程和安全性设计，并总结了方案的特点和创新点，以及后期可能面对的风险。最后对运营方案的实施措施和保障措施进行了梳理，以更好的推广运营模式。 关键词：全渠道；移动支付；集成运营模式
英文摘要：	With the rapid development of mobile internet, the shopping places of consumers are no longer limited to shopping centers, shopping malls, shopping malls, etc. There are more and more diversified places to choose, more and more online and offline consumption scenarios, and the choices consumers face have changed greatly.. The specific meaning of full channel retailing is that the company chooses a large number of types of retail channels to restructure and integrate sales. Electronic payment has gradually developed into an important part of e-commerce. With the significant development of communication technology, the development environment of electronic payment has also been improved - Mobile payment. The development of mobile payment system, especially the construction of integrated platform of all-channel mobile payment system, provides more payment channels for businesses and enterprises, facilitates users to purchase commodities, improves financial delivery and sales, and effectively reduces the cost of commercial operation. On this basis, this paper will carry out the research on the integrated operation mode of the whole channel mobile payment system, through in-depth analysis of the new forms of mobile payment, under the conditions of traditional sales channels, study the improvement direction and working mode of the whole channel mobile payment system, so as to enhance user experience and achieve increased benefits. This thesis designs a multi-channel mobile payment system, which integrates various financial institutions and payment institutions, including state-owned banks, commercial banks, third-party payment companies, UnionPay, Mobile Unicom and other telecommunications operators. It collects the advantages of various payment channels to meet the different needs of various businesses. The system belongs to the data processing platform, but the fund does not need to pay the license, according to the advantages of different payment channels, to provide better services for merchants.The scheme design includes concept introduction, platform ecological architecture, core module, management module, payment process and security design, and summarizes the characteristics and innovations of the scheme, as well as the risks that may be faced later. Finally, the implementation measures and safeguards of the operation plan are sorted out in order to better promote the operation mode. Key words：Full Channel；Mobile Payment；Integrated Operation Mode
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