摘要
台灣行動掃碼支付發展至今，面臨不少問題。本研究首先從現有市面上的行動掃碼支付商業模式系統圖找出風險點和可能問題：1、由於掃碼支付主要仰賴的設備為手機和信用卡或金融卡，當手機或卡片遺失時，身份或卡片遭人盜用該怎麼辦？2、支付的時候，店家的QR Code到底是不是正確的？店家內部可以支付刷卡的設備所有人到底是誰？3、支付系統也面臨洗錢的高風險。 分析出上述問題後，本研究利用新科技設計出可信賴的生態鏈，提出下列解決方案：1、解決卡片盜刷或身份盜用問題，可藉由手機前置鏡頭於申辦以及支付當下紀錄影像，利用人臉辨識技術確認使用者身分；另外GPS的紀錄和比對也可以確保交易的雙方均未受到外力侵擾的完成交易。2、QR Code真偽經由店家自行用支付平台掃碼功能確認QR Code為本家所有，並未被竄改，同時單一收銀區降低收款設備所帶來的假冒問題。3、由於平台資料庫存有所有交易資料，即可透過定期檢視各用戶交易情況，將疑似洗錢用戶提報相關單位進行清查和辦理，以嚇阻不法行為不在此平台發生。 最後，以價值創造循環（Value Creation Cycle）的宏觀角度，從創新科技與系統設計出發，與支付金管下的核可單位攜手，實現提供可信賴行動支付的新願景，並確保正向的價值不斷地回饋到價值創造循環之中。
並列摘要
The mobile QR code payment has been developing in Taiwan recently. Through analyzing the business model of current QR code payment systems, there are some risks and problems: 1. Main tools used in QR code payment are mobile phones and credit or debit cards. While losing of mobile phones and these cards, what can people do to predict from credit card frauds or identity theft? 2. Is the QR code correct while paying to the shops? Who is the owner of credit card machine? 3. Mobile payment is a system with high risk of money laundering. After recognizing problems above, this study designs a trusted system by adopting new technology and provides the following solutions: 1. To solve the problems of credit card frauds and identity theft, save the images through the camera at mobile phone while applying for account and paying money. Use facial recognition to make sure the users. Besides, records and comparison of GPS can assure that counterparties trade under a safe condition. 2. The authenticity of QR code is assured by scanning shops’ code by shop owners. At the same time, fixed cashier’s desk reduces the problem of fake credit card machines. 3. The platform stores all the trading datum. Therefore, the system will check each account and inform the related institutions when there are signs of money laundering to deter illegal activities from happening. Finally, this study stands on a macroscale to use VCC model, taking technological and systemic innovation as a starting point to seek out crucial permitted payment units; realizing the new vision“trusted mobile payment” and making sure the positive value will generate feedback to VCC continuously.