摘要
本研究透過介紹各種產業的智慧卡應用，討論不同發行模式的可能性，再加入系統發展模式的演進，強調混合系統的必要性，進而討論台灣現行幾個代表智慧卡系統，討論其整合之可能性。 開放系統為智慧卡系統發展的最終目標，而欲達到此一目標，單一產業、簡單應用勢必不足以滿足消費者的需求，故產業聯合發行、擴充應用範圍才是智慧卡未來發展之主流；又加上交通產業的需求穩定性與低可替代性，所以欲建置智慧卡開放系統，應以交通產業作為產業聯合之必須參與者，香港八達通系統的成功也更證明了此點。而經由智慧卡在各產業的應用介紹與討論，加上現實社會實際的相關情況，本研究挑選金融產業與零售產業來與交通產業做智慧卡發行的合作產業，討論其可能的發行模式。 由於金融產業的特性不同，故在討論台灣案例時，並無金融產業的代表案例；而既然交通產業為必要參與者，在案例挑選部分則選擇了北中南三個現行的智慧卡票證系統來分別討論其特色與面臨之挑戰；至於零售產業則以利用強大通路做為發行優勢的7-ELEVEN ICash為討論案例，雖然其為接觸式IC儲值卡，但以其發行量及活卡率來看，為一相當成功之發行模式。 而台灣地區裡有如此多不同的系統，若要朝開放系統發展，則整合各系統是相當必要的，而本論文最後也對整合的模式做出可能之建議，即由台北悠遊卡系統開始發展，配合台鐵系統，慢慢往南整合。結論部分也對政府、交通業者、零售業者以及金融業者各方提出其目前所面對的主要挑戰以及解決方式。
關鍵字
智慧卡並列摘要
This research introduces the applications of smart card in various industries. We discuss the possibilities of distribution models, and emphasize the necessity of system integration by bringing in the progression of system. Furthermore, this research talks about the most popular smart card systems in Taiwan, and evaluates the possibilities of integration. The ultimate goal for the smart card system is to develop an open system. Because limiting smart card in one industry or applying smart card in only the simple applications would not meet the need of customers, distributing within multiple industries will be an inevitable trend. In order to establish an open system for smart card, transportation industry has to be one of the participants because of its stable demand and low substitutability. The success of Octopus system has proven this argument. In this research, we choose financial and retailing industries as the cooperating partners for transportation industry, and further discuss the possible distribution models. Due to the uniqueness of financial industry, there is no existing usage of smart card in Taiwan. Since transportation industry is our main focus, we discuss the characteristics of three existing smart card system from Northern, Middle, and Southern part of Taiwan. We also discuss the possible obstacles against smart card. As for retailing industry, we use 7-11, with its advantageous powerful distribution network, as example. With so many existing systems in Taiwan, it is necessary to integrate them before developing an open system. In the last part of this research report, we suggest that the integration should start with Taipei Smart Card and spread to Southern part of Taiwan through Taiwan’s railroad system. In the end, we also provide solutions to the major challenges for government, transportation industry, retailing industry, and financial industry.
並列關鍵字
smart card參考文獻
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