Using Contract Warranties in Development of electronic coupon Transaction Systems

[[abstract]]近年來隨著台灣的經濟成長，國民所得大幅提高，讓當前國?休閒產業不斷的蓬勃發展，競爭 也更加激烈，於是有相當多的商家開始使用優惠券進行促銷並刺激消費，這確實是一個成功的商業 模式。但商品優惠券是屬於預付型的交易模式，消費者需要先支付款項給發行業者，在交易過程中 很容易被有心的發行業者當做非法的吸金工具，發行業者可以在短期?利用低價販售的方式，快速 且大量的售出商品優惠券並取得大筆的資金，最後倒閉一走了之，枉顧消費者權益。因此政府在2007 年發佈了優惠券定型化契約規定，規定業者要發行商品優惠券時需付履約保證責任，但使用履約保 證對發行業者來說會增加營運成本，除了要付給金融機構手續費，最重要的是要有與發行優惠券金 額等額的款項在信託帳戶中，再加上消費者的購買金額、使用期間都難以掌握，會讓發行業者的資 金變的沒有彈性。本計晝將開發一套履約保證系統來改善目前較無資金彈性的營運模式，透過系統 的即時性來幫助業者，再加上利用近年來興起的Android及iOS智慧型載具來發行電子優惠券，最 終達到讓消費者更方便及更安全的優惠券購買環境並降低經營者的成本與風險，設計實作安全方便 的履約保證及電子優惠券營運模式。[[abstract]]In recent years, leisure industry in Taiwan is gradually vigorous because of the increase of the national income and the mature of economy. On the other hand, using coupons is a successful business model to promote the goods or services from providers to increase competitiveness. However, coupon is a find of transaction model which customers have to pay in advance. If publishers use coupon as an illegal tools of capital sucking, they can make a lot of money by cheating customer due to the low price and just disappear. Customers’ rights would be deprived of. Hence, the government announces the terms in standard of the coupon. Coupon publishers have the duty to offer contract warranties which increase the operation budget. Not only publishers have the pay commission but also the money is in the trust account let the finance of the publish company become inflexible. Therefore, the research would develop a contract warranties system to improve the inflexible business model by the real-time service. Besides, using smart phones like Android and iPhone to publish the electronic coupon makes the costumers buy coupons safely and decreases the budget and risks of the publish company.[[note]]NSC101-2622-E327-012-CC