1、MOTOpay電子機(jī)票時(shí)代支付處理方案網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授Payment Settlement Plan on Electronic air-tickets Times第1頁(yè) EBANK ONLINE (BEIJING) TECHNOLOGY Co., LTD. is the high-tech enterprise registered in Zhongguancun in June, . The register capital reached 10,000,000 RMB. Depending on the strong technology strength, it

2、 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 an

3、d so on, specializes in providing perfect solutions and value-added service to electronic payment for E-commercial enterprises and individuals. 網(wǎng)銀在線（北京）科技有限企業(yè)是6月在中關(guān)村注冊(cè)高新技術(shù)企業(yè)，注冊(cè)資金1000萬(wàn)人民幣。企業(yè)自成立以來(lái)，憑借強(qiáng)大技術(shù)實(shí)力，以“電子支付教授”為發(fā)展定位，以“貼近用戶所需”為服務(wù)理念，聯(lián)合中國(guó)銀行、中國(guó)工商銀行、招商銀行、中國(guó)農(nóng)業(yè)銀行、中國(guó)建設(shè)銀行等國(guó)內(nèi)19家銀行，以及VISA、MasterCard、JCB等國(guó)際信

4、用卡組織，致力于為從事電子商務(wù)企業(yè)和消費(fèi)者提供完善電子支付處理方案和增值服務(wù)。 網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授網(wǎng)銀在線企業(yè)介紹/ Ebank online Introduction電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets Times第2頁(yè)Since launching online payment platform on May, , EBANK ONLINE (BEIJING) TECHNOLODY Co., LTD. has been providing secure and express sol

5、utions 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! 網(wǎng)銀在線自5月推出支付平臺(tái)以來(lái)，已經(jīng)為從事網(wǎng)上購(gòu)物、電子客票、教育培訓(xùn)、網(wǎng)絡(luò)游 戲、鮮花禮品等近20個(gè)行業(yè)6500余家商戶提供了安全、快捷第三方網(wǎng)上支付處理方案。網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授網(wǎng)銀在線企業(yè)介紹/ Ebank onl

6、ine Introduction電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets Times第3頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授網(wǎng)銀在線經(jīng)典商戶/Typical client of ebank online 電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets Times第4頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授11月網(wǎng)銀在線與中國(guó)銀行簽署全方面合作協(xié)議；網(wǎng)銀在線合作搭檔/ Cooperators of ebank online5月網(wǎng)銀在

7、線與VISA國(guó)際組織結(jié)成戰(zhàn)略合作搭檔關(guān)系；6月網(wǎng)銀在線與中國(guó)工商銀行簽署戰(zhàn)略合作協(xié)議。Ebank online payment signed entirely cooperation agreement with BOC on Nov. Ebank online payment formed strategically cooperation relationship with VISA International Organization on May Ebank online payment signed strategically cooperation agreement with I

8、CBC on June 電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets Times第5頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授主要產(chǎn)品之一：第三方支付網(wǎng)關(guān)One of the main products-The third-party payment gateway主要優(yōu)勢(shì)/Main advantages:T+1結(jié)算貨款服務(wù)，使商戶資金流暢周轉(zhuǎn)；T+1 settlement service, making the clients capital running fluently;724全天候客服熱線，隨時(shí)隨地解答商戶

9、和持卡人在使用網(wǎng)上支付過(guò)程中碰到問(wèn)題；7X24 hours service support; explaining the problems to the clients and cardholders during the course of online payment;量身定制嵌入式銀行列表支付模式，深入提升網(wǎng)上支付貨款便捷性；Inset bank lists payment model, improving further the convenience of payment online;電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electroni

10、c air-tickets Times第6頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授主要產(chǎn)品之一：第三方支付網(wǎng)關(guān)One of the main products-The third-party payment gateway直連國(guó)內(nèi)19家主流商業(yè)銀行支付網(wǎng)關(guān)，受理卡種更全方面；Connect directly the domestic main 19 banks payment gateway, accepting more comprehensive bank card;依據(jù)商戶管理后臺(tái)提供銀行對(duì)賬單，實(shí)時(shí)查對(duì)交易明細(xì)并與實(shí)際進(jìn)賬金額查對(duì)，降低人工操 作，降低成本Check all tran

11、saction 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、上海架設(shè)服務(wù)器，真正實(shí)現(xiàn)“南北互通”，使消費(fèi)者網(wǎng)上支付快速順暢。We set server on Beijing and Shanghai, realizing “Connecting South and North”, making consumers payme

12、nt more fast and fluently;電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets Times第7頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授主要產(chǎn)品之二：MOTOpay/Two of the main products：MOTOpay國(guó)內(nèi)首家報(bào)信用卡信息、非面對(duì)面完成貨款支付第三方線下支付產(chǎn)品 MOTOpay適用范圍MOTOpay支付流程圖MOTOpay系統(tǒng)特點(diǎn)MOTOpay與電話支付比較 MOTOpay衍生背景The domestic head the-third party offline paym

13、ent 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電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets

14、Times第8頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授MOTOpay衍生背景/MOTOpays creativity background:徹底處理長(zhǎng)久以來(lái)困擾商戶“見不到實(shí)體卡，無(wú)法實(shí)時(shí)受理信用卡支付業(yè)務(wù)”難題；It totally solves the problem about the “can not be instantly transact payment if without the really credit card”.伴隨今年10月電子機(jī)票全方面普及臨近，越來(lái)越多旅客從電話訂票，票到付款傳統(tǒng)方式，過(guò)渡到了電話支付，實(shí)時(shí)出票全數(shù)字化方式，由此帶來(lái)巨大電子支付需求；Along

15、 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;傳

16、統(tǒng)面對(duì)消費(fèi)者直接刷卡消費(fèi)支付流程已經(jīng)相當(dāng)成熟，并被消費(fèi)者廣泛接收和認(rèn)可；It has qualified very good payment flow model by card directly to the customers traditionally, and can be accepted by most consumers; 電話、傳真、Email等信息傳遞媒介已經(jīng)全方面普及。Telephone、fax、E-mail etc information transfer intermediary had got full popularization電子機(jī)票時(shí)代支付處理方案Paymen

17、t Settlement Plan on Electronic air-tickets Times第9頁(yè)MOTOpay應(yīng)用范圍：包含電子機(jī)票預(yù)訂、酒店預(yù)訂、電視購(gòu)物、對(duì)外貿(mào)易等行業(yè)。MOTOpay受理卡種：國(guó)內(nèi)信用卡：中國(guó)銀行、招商銀行發(fā)行信用卡國(guó)際信用卡：Visa、MasterCard、JCB、American Express、Diners- Card 國(guó)際銀行組織所發(fā)行信用卡MOTOpay適用人群：全部具備信用資格自然人網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授MOTOpays application scope:Including electronic air-tickets reserv

18、ation、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

19、Express、Diners card.MOTOpay systems accepted people:Qualifying honored natural person電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets Times第10頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授MOTOpay系統(tǒng)特點(diǎn)/MOTOpay systems characters :先進(jìn)性：國(guó)內(nèi)首家報(bào)信用卡信息、非面對(duì)面完成貨款支付第三方線下支付產(chǎn)品，提升商家競(jìng)爭(zhēng)力Progressiveness: The domestic head the-thi

20、rd party offline payment product by telling the creditcard information and finishing the payment not face-to-face, Improving the competition of theClients實(shí)時(shí)性：提交交易信息至返回確認(rèn)信息只需3秒鐘，縮短信用卡授權(quán)請(qǐng)求時(shí)間，確保出票率Veracity: It takes only three seconds from submitting transaction information to returning confirmation in

21、formation, reducing the credit cards authorization request time and assuming the rate of drawing drafts多樣性： 交易可選擇消費(fèi)、預(yù)授權(quán)、取消預(yù)授權(quán)、退訂Diversity: It can choose consumption、pre-authorized、pre-authorized void、refund電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets Times第11頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授MOT

22、Opay系統(tǒng)特點(diǎn)/MOTOpay systems characters :方便性：不受任何支付環(huán)境影響、隨時(shí)隨地完成支付Convenience: It can payment at anytime and anywhere that do not affected by any circumstance私密性：分權(quán)限管理、分步驟操作、設(shè)專員負(fù)責(zé)、確保交易中安全性及準(zhǔn)確率Privacy: Management by different popedom、Operated by different steps統(tǒng)一性：與網(wǎng)銀在線支付網(wǎng)關(guān)相連接，便于整體查詢、管理資金動(dòng)向Integrality: Con

23、nect to the payment gateway of ebank online and easy to inquire unitary、manage fund trends延展性：處理POS機(jī)因成本原因不能無(wú)限分布問(wèn)題，可依據(jù)座席增加而無(wú)限增加，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

24、 the clients.電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets Times第12頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授MOTOpay支付流程圖/ 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 instr

25、uction 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 con

26、sumer電子機(jī)票時(shí)代支付處理方案Payment Settlement Plan on Electronic air-tickets Times1234765選擇路徑發(fā)送信用卡及購(gòu)物信息提交預(yù)授權(quán)、消費(fèi)指令發(fā)送交易指令確認(rèn)交易完成訂單生成發(fā)貨ConsumerMerchantMOTOpay payment platformAcquire bank1234567第13頁(yè)網(wǎng)銀在線（北京）科技有限企業(yè)電子支付教授productcharcter MOTOpay Telephone payment受眾群體 信用卡用戶主要是借記卡用戶Accepted people The credit card consu

27、merMain for debit card consumer受理卡種中國(guó)銀行、招商銀行、VISA、MasterCard、JCB、美國(guó)運(yùn)通、大萊等。工商銀行、招商銀行、民生銀行等。Accepted cardBOC、CMB、VISA、MasterCard、JCB、AE、DinersICBC、CMB、CMBC etc安全性 經(jīng)過(guò)電話、E-mail、傳真等方式通知信用卡信息完成支付過(guò)程，無(wú)需鍵盤輸入，相對(duì)更為安全。 電話鍵盤輸入銀行卡號(hào)、密碼，身份證號(hào)等私密信息，輕易泄密。SecurityTelling about the credit card information and finish pay

28、ment 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 一個(gè)電話即可完成購(gòu)物、支付過(guò)程。需撥打購(gòu)物商家電話（或者網(wǎng)上）下訂單，掛斷后，再撥打電話銀行才能完成支付。 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 finis