The VCC, Risk Analysis, Trust Assurance of Commerce at Internet Era
Date Issued
2015
Date
2015
Author(s)
Chiu, I-Chiao
Abstract
People trust traditional real-store rather than e-commerce. At the era of internet, global e-transaction is the developing trend. Since the environment changes, the model of traditional transaction is not as safe as before and e-commerce needs to enhance trust assurance. The thesis applied “Value Creation Cycle (VCC)” theory to analyze the VCC, risk and trust assurance of traditional and cyber commerce. This thesis discusses two types of traditional commerce, including face-to-face transaction and offline store. The first one is face-to-face transaction. The characteristics are one buyer with one seller and no fix place for sale. The second one is offline store. The characteristics are fix place for sale, the goods of seller come from many suppliers. Because the traffic is developed well, the participants of transactions come from anywhere; they often don’t know each other, so face-to-face way is hard to trace the persons in charge after transaction. The thesis studies four major types of e-commerce, including information wall, trading platform, independent collector, and on-line store. The first one is information wall. The feature of prototype is the wall of information only share information, not to participate in transaction. The risk is criminal, fraud, and disputes. The ways for trust assurance are recording data of transaction via cloud and BYOD in the databases. The second one is trading platform, including platform deal with payment flow or not. The risk are also fraud and disputes. The ways for trust assurance is platform collect payment for sellers in advance, and keep the money until buyer received goods and agree with the deal. Also combining account on line with real person and trading record via databases at the cloud. The third one is independent collector in order to support small platforms or stores who can’t provide payment. The fourth one is on-line store. The risk is the supply chain is too complex to trace, so the store is hard to insurance the quality and safety of the goods they sale. The ways for trust assurance is to record the resume of supply chain and materials they used into databases at cloud in order to build traceable supply chain. E-commerce also derives innovative service. The thesis studies two major types, including the opportunities of independent collector, and loan of e-commerce. Independent collector collect payments from many small platforms and stores, and close with participants. The opportunities are service of personal payment, online banking. The loan of e-commerce is new way of credit investigation which is based on true record from trading. The lander pay to the suppliers of borrowers in order to assurance the application of landing money. According to the analyzing of the thesis, there are two conclusions. First of all, the risk of trust from e-commerce based on trading record from databases at cloud is smaller than traditional model. Secondly, the VCC of e-commerce is the positive cycle via preventive supervision, trustable and traceable trading data. Because of trust assurance, total payments of platform get larger. Once mistake happens, the system risk is high. In order to reduce the loss, to suggest to have insurance for e-commerce. Moreover, there is more and more trading record, so the government of platform and databases at cloud is needed. Also the regulation of e-landing and the ways of feedback for evaluation are necessary.
Subjects
Value Creation Cycle
E-Commerce
Cloud
Databases
Risk
Trust Assurance
SDGs
Type
thesis
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