电信科学 ›› 2010, Vol. 26 ›› Issue (9): 6-11.doi: 10.3969/j.issn.1000-0801.2010.09.002

• 特别策划：移动支付技术与应用 • 上一篇    下一篇

电信运营商的移动支付产品商业模式探讨

刘挺1,华皓1,姚俊旻1,张建宇2   

  1. 1 中国电信股份有限公司上海分公司 上海 200041
    2 中国电信股份有限公司上海研究院 上海 200122
  • 出版日期:2010-09-15 发布日期:2010-09-15

Business Model of Mobile Payment Products in Telecom Operators

Ting Liu1,Hao Hua1,Junmin Yao1,Jianyu Zhang2   

  1. 1 Shanghai Branch of China Telecom Co.,Ltd.,Shanghai 200041,China
    2 Shanghai Research Institute of China Telecom Co.,Ltd.,Shanghai 200122,China
  • Online:2010-09-15 Published:2010-09-15

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20

摘要：

本文通过传统意义上业界普遍认同的商业模式参考模型，探讨和总结了上海电信移动支付产品及“翼支付·手机刷卡”业务正式发布后的成功运营经验，对中国电信移动支付产品的价值主张、消费者目标群体、分销渠道、客户关系、价值配置、核心能力、合作伙伴网络、合作共赢模式等9要素进行了分析，找准了电信运营商移动支付的特点、与当前各界支付服务的差别及带来的提升作用，并分析自身资源，重点对移动支付产品的的价值链和目标客户群及客户使用意愿进行了深入的剖析，最后对中国电信移动支付各子产品的商业模式设计进行了介绍。

关键词: 移动支付, 商业模式, 价值链, 合作共赢, 目标客户群

Abstract:

This article,by discuss the traditional industry's business model which is generally accepted,summary of Shanghai Telecom“mobile payment”products and successful operation experience on“e ·Phone card payment”official release,analysis nine elements of China Telecom“mobile payment”which are products value proposition,target groups of consumers,distribution channels,customer relationships value configurations,core competencies,partner networks,cooperation and win-win mode.It identifies the characteristics of the mobile telecom operator's payment,difference from current public payment services and the improvement brought.At last,farther analysis of China Telecom their own resources,emphasis on the mobile payment products value chain,target customers and the customers wish,it introduce China Telecom“mobile payment”each sub-product business model design.

Key words: mobile payment, business model, value chain, win-win mode, target customer

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