MOTOpay-电子机票时代的支付解决方案

中英文日报导航站 MOTOpay电子机票时代的支付解决方案电子机票时代的支付解决方案网银在线（北京）科技有限公司创始人 总裁 赵国栋电子支付专家电子支付专家Payment Settlement Plan on Electronic air-tickets TimesEbank Online (Beijing) Technology co., LtdCEO Zhao guodong中英文日报导航站 EBANK ONLINE (BEIJING) TECHNOLOGY Co., LTD. is the high-tech enterprise registered in Zhongguancun in June, 2003. The register capital reached 10,000,000 RMB. Depending on the strong technology strength, it bases “electronic payment specialist” as the developed position and regards “press close to the consumers need” as service conception since the company had founded; it unites 19 domestic banks like BOC、ICBC、CMB、ABOC、CCB etc and some international credit card organization like VISA、MasterCard、JCB and so on, specializes in providing perfect solutions and value-added service to electronic payment for E-commercial enterprises and individuals. 网银在线（北京）科技有限公司是网银在线（北京）科技有限公司是2003年年6月在中关村注册的高新技术企业，注册资金月在中关村注册的高新技术企业，注册资金1000万万人民币。公司自成立以来，凭借强大的技术实力，以人民币。公司自成立以来，凭借强大的技术实力，以“电子支付专家电子支付专家”为发展定位，以为发展定位，以“贴近用户贴近用户所需所需”为服务理念，联合中国银行、中国工商银行、招商银行、中国农业银行、中国建设银行等国为服务理念，联合中国银行、中国工商银行、招商银行、中国农业银行、中国建设银行等国内内19家银行，以及家银行，以及VISA、MasterCard、JCB等国际信用卡组织，致力于为从事电子商务的企等国际信用卡组织，致力于为从事电子商务的企业和消费者提供完善的电子支付解决方案和增值服务。业和消费者提供完善的电子支付解决方案和增值服务。 电子支付专家电子支付专家网银在线公司简介网银在线公司简介/ / Ebank online Introduction电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 Since launching online payment platform on May, 2004, EBANK ONLINE (BEIJING) TECHNOLODY Co., LTD. has been providing secure and express solutions of online payment for shopping mall online、booking ticket of traveling、education and training、network game、flower and present etc almost 6,500 clients in twenty industries! 网银在线自网银在线自2004年年5月推出支付平台以来，已经为从事网上购物、电子客票、教育培训、网络游月推出支付平台以来，已经为从事网上购物、电子客票、教育培训、网络游 戏、鲜花礼品等近戏、鲜花礼品等近20个行业个行业6500余家商户提供了安全、快捷的第三方网上支付解决方案。余家商户提供了安全、快捷的第三方网上支付解决方案。电子支付专家电子支付专家网银在线公司简介网银在线公司简介/ Ebank online Introduction电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家网银在线的典型商户网银在线的典型商户/ /Typical client of ebank online 电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家2004年年11月网银在线与中国银行签署全面合作协议；月网银在线与中国银行签署全面合作协议；网银在线合作伙伴网银在线合作伙伴/ / Cooperators of ebank online2005年年5月网银在线与月网银在线与VISA国际组织结成战略合作伙伴关系；国际组织结成战略合作伙伴关系；2005年年6月网银在线与中国工商银行签署战略合作协议。月网银在线与中国工商银行签署战略合作协议。Ebank online payment signed entirely cooperation agreement with BOC on Nov. 2004Ebank online payment formed strategically cooperation relationship with VISA International Organization on May 2005Ebank online payment signed strategically cooperation agreement with ICBC on June 2005电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家主要产品之一：第三方支付网关主要产品之一：第三方支付网关One of the main products-The third-party payment gateway主要优势主要优势/ /Main advantages:T+1T+1结算货款服务，使商户的资金流畅周转；结算货款服务，使商户的资金流畅周转；T+1 settlement service, making the clients capital running fluently;7 72424全天候客服热线，随时随地解答商户和持卡人在使用网上支付过程中遇到的问题；全天候客服热线，随时随地解答商户和持卡人在使用网上支付过程中遇到的问题；7X24 hours service support; explaining the problems to the clients and cardholders during the course of online payment;量身定制嵌入式银行列表的支付模式，进一步提升网上支付货款的便捷性；量身定制嵌入式银行列表的支付模式，进一步提升网上支付货款的便捷性；Inset bank lists payment model, improving further the convenience of payment online;电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家主要产品之一：第三方支付网关主要产品之一：第三方支付网关One of the main products-The third-party payment gateway直连国内直连国内1919家主流商业银行支付网关，受理卡种更全面；家主流商业银行支付网关，受理卡种更全面；Connect directly the domestic main 19 banks payment gateway, accepting more comprehensive bank card;根据商户管理后台根据商户管理后台提供的银行对账单，实时核对交易明细并与实际进账金额核对，减少人工操提供的银行对账单，实时核对交易明细并与实际进账金额核对，减少人工操 作，降低成本作，降低成本Check all transaction lists real time and check with actual sum according to the bank reckoning offered by the clients management background, reducing manual operation and cost;在北京、上海架设服务器，真正实现在北京、上海架设服务器，真正实现“南北互通南北互通”，使消费者网上支付快速顺畅。，使消费者网上支付快速顺畅。We set server on Beijing and Shanghai, realizing “Connecting South and North”, making consumers payment more fast and fluently;电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家主要产品之二：主要产品之二：MOTOpay/Two of the main products：MOTOpay国内首家报信用卡信息、非面对面完成货款支付的第三方线下支付产品 MOTOpay的适用范围MOTOpay支付流程图MOTOpay系统的特点MOTOpay与电话支付的比较 MOTOpay的衍生背景The domestic head the-third party offline payment product by telling the credit card information and finishing the payment not face-to-faceMOTOpays creativity backgroundMOTOpays application scopeMOTOpay systems charactersMOTOpay payment flow chartCompared MOTOpay to Telephone payment电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家MOTOpay衍生背景衍生背景/MOTOpays creativity background:彻底解决长期以来困扰商户的彻底解决长期以来困扰商户的“见不到实体卡，无法实时受理信用卡支付业务见不到实体卡，无法实时受理信用卡支付业务”的难题；的难题；It totally solves the problem about the “can not be instantly transact payment if without the really credit card”.随着今年随着今年10月电子机票全面普及的临近，越来越多的旅客从月电子机票全面普及的临近，越来越多的旅客从电话订票，票到付款电话订票，票到付款的传统方式，的传统方式，过渡到了过渡到了电话支付，实时出票电话支付，实时出票的全数字化方式，由此带来巨大的电子支付需求；的全数字化方式，由此带来巨大的电子支付需求；Along with the full popularization of electronic air-ticket in Oct, more and more passengers like digital way of “payment by telephone and get it instantly” instead of traditional “order ticket by telephone and payment after get the ticket”. Therefore, it brings large requirement for electronic payment;传统的面对消费者直接刷卡消费的支付流程已经相当成熟，并被消费者广泛接受和认可；传统的面对消费者直接刷卡消费的支付流程已经相当成熟，并被消费者广泛接受和认可；It has qualified very good payment flow model by card directly to the customers traditionally, and can be accepted by most consumers; 电话、传真、电话、传真、Email等信息传递媒介的已经全面普及。等信息传递媒介的已经全面普及。Telephone、fax、E-mail etc information transfer intermediary had got full popularization电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 MOTOpay的应用范围：的应用范围：包括电子机票预订、酒店预订、电视购物、对外包括电子机票预订、酒店预订、电视购物、对外贸易等行业。贸易等行业。MOTOpay的受理卡种：的受理卡种：国内信用卡：中国银行、招商银行发行的信用卡国内信用卡：中国银行、招商银行发行的信用卡国际信用卡：国际信用卡：Visa、MasterCard、JCB、American Express、Diners- Card 国际银国际银行组织所发行的信用卡行组织所发行的信用卡MOTOpay的适用人群：的适用人群：所有具备信用资格的自然人所有具备信用资格的自然人电子支付专家电子支付专家MOTOpays application scope:Including electronic air-tickets reservation、hotel reservation、television reservation andinternational trade etc related industry.MOTOpays accepted card:Domestic credit card: The credit card issued by BOC and CMB.International credit card: The credit card issued by the international bank organization such as Visa、MasterCard、JCB、American Express、Diners card.MOTOpay systems accepted people:Qualifying honored natural person电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家MOTOpay系统的特点系统的特点/MOTOpay systems characters :先进性：先进性：国内首家报信用卡信息、非面对面完成货款支付的第三方线下支付产品，提高商家竞争力国内首家报信用卡信息、非面对面完成货款支付的第三方线下支付产品，提高商家竞争力Progressiveness: The domestic head the-third party offline payment product by telling the creditcard information and finishing the payment not face-to-face, Improving the competition of theClients实时性：实时性：提交交易信息至返回确认信息只需提交交易信息至返回确认信息只需3秒钟，缩短信用卡授权请求时间，确保出票率秒钟，缩短信用卡授权请求时间，确保出票率Veracity: It takes only three seconds from submitting transaction information to returning confirmation information, reducing the credit cards authorization request time and assuming the rate of drawing drafts多样性：多样性： 交易可选择消费、预授权、取消预授权、退订交易可选择消费、预授权、取消预授权、退订Diversity: It can choose consumption、pre-authorized、pre-authorized void、refund电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家MOTOpay系统的特点/MOTOpay systems characters :方便性：方便性：不受任何支付环境的影响、随时随地完成支付不受任何支付环境的影响、随时随地完成支付Convenience: It can payment at anytime and anywhere that do not affected by any circumstance私密性：私密性：分权限管理、分步骤操作、设专人负责、确保交易中的安全性及准确率分权限管理、分步骤操作、设专人负责、确保交易中的安全性及准确率Privacy: Management by different popedom、Operated by different steps统一性：统一性：与网银在线的支付网关相连接，便于整体查询、管理资金动向与网银在线的支付网关相连接，便于整体查询、管理资金动向Integrality: Connect to the payment gateway of ebank online and easy to inquire unitary、manage fund trends延展性：延展性：解决解决POS机因成本原因不能无限分布的问题，可根据座席的增加而无限增机因成本原因不能无限分布的问题，可根据座席的增加而无限增加，降低商家投入成本加，降低商家投入成本Ductibility：it can solve the unlimited distribution question because of the POS cost and canconstantly add according to the add of the platform, reducing the cost of the clients.电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家MOTOpay支付流程图支付流程图/ MOTOpay payment flow chart: Choice approach (Telephone、email and fax) Send the credit card and order information to the client The client offers the pre-authorized and purchase instruction to the MOTOpay payment platform MOTOpay payment platform will identify the bank card and offer the instruction to the acquire bank The acquire bank finishes the pre-authorized and purchase disposal MOTOpay payment platform will make order to the client The client will offer service to the consumer电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times1234765选择途径发送信用卡及购物信息提交预授权、消费指令发送交易指令确认交易完成订单生成发货ConsumerMerchantMOTOpay payment platformAcquire bank1234567中英文日报导航站 电子支付专家电子支付专家productcharcter MOTOpay Telephone payment受众群体受众群体 信用卡用户信用卡用户主要是借记卡用户主要是借记卡用户Accepted people The credit card consumerMain for debit card consumer受理卡种受理卡种中国银行、招商银行、中国银行、招商银行、VISA、MasterCard、JCB、美国运通、大莱等。、美国运通、大莱等。工商银行、招商银行、民生银行等。工商银行、招商银行、民生银行等。Accepted cardBOC、CMB、VISA、MasterCard、JCB、AE、DinersICBC、CMB、CMBC etc 安全性安全性 通过电话、通过电话、E-mail、传真等方式告知信用卡信、传真等方式告知信用卡信息完成支付过程，无需键盘输入，相对更为安息完成支付过程，无需键盘输入，相对更为安全。全。 电话键盘输入银行卡号、密码，身份证号等电话键盘输入银行卡号、密码，身份证号等私密信息，容易泄密。私密信息，容易泄密。SecurityTelling about the credit card information and finish payment by telephone、email and fax, and it dose not need keyboard input and more secure Input the bank card number、password and ID etc privacy information by telephone keyboard, leading to betray the privacy easily 便捷性便捷性 一个电话即可完成购物、支付过程。一个电话即可完成购物、支付过程。需拨打购物商家电话（或者网上）下订单，需拨打购物商家电话（或者网上）下订单，挂断后，再拨打电话银行才能完成支付。挂断后，再拨打电话银行才能完成支付。 ConvenienceIt can finish shopping and payment by one telephoneIt need to dial the telephone (or online) for order, and then hang up, and last dial telephone bank can finish the paymentMOTOpay与电话支付的比较：与电话支付的比较： Compared MOTOpay to Telephone payment:电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets Times中英文日报导航站 电子支付专家电子支付专家productcharacter MOTOpay Telephone payment 用户体验用户体验 人工服务，更为人性化人工服务，更为人性化语音服务，流程机械化。语音服务，流程机械化。Consumers experienceManual service, more humanityVoice service, mechanization flow客户管理客户管理实时跟踪购物、支付过程，发现问题能及时解实时跟踪购物、支付过程，发现问题能及时解决。决。支付过程商户难以控制。支付过程商户难以控制。Clients managementPractical followed shopping、payment flow、 can solve it once find any question It is difficult to control the payment course for the client附加业务开通附加业务开通 无需开通任何附加业务无需开通任何附加业务大多需到银行柜台开通电话银行业务。大多需到银行柜台开通电话银行业务。Dredge additive business It dose not need to open any additive business Most of time need to the bank centre opening the telephone bank business支付限额支付限额 不受支付限额限制。不受支付限额限制。 受当日单笔额度限制。受当日单笔额度限制。 Payment limitIt dose not limited by the payment sumIt will limit by the daily per-sum 电子机票时代的支付解决方案电子机票时代的支付解决方案Payment Settlement Plan on Electronic air-tickets TimesMOTOpay与电话支付的比较：与电话支付的比较： Compared MOTOpay to Telephone payment:中英文日报导航站 支付增值支付增值 共赢天下共赢天下电子支付专家电子支付专家