隨著電子商務商業模式的發展，新興的金流技術、電子支付方法逐漸成為驅動電子商務事業的成功關鍵。一個好的電子商務商業模式若能結合安全且創新的電子支付系統，不但能為企業創造無窮商機，又若能利用專利權的保護，防止競爭者模仿或抄襲商業模式所使用之技術或方法，將更能強化企業的全球競爭優勢。此研究提出以專利資訊為基之技術路徑模式和藉以評估專利價值的標竿比較方法論，使得電商企業除了透過商業模式的發展來檢視自己和競爭者於電子商務金流的專利布局外，還能衡量其專利組合所確立之市場能力與地位。本研究首先建構電子支付領域的技術本體論和本體論詞庫，再透過電腦輔助的方式自動擷取每篇專利的關鍵字組合，將關鍵字與本體論詞庫作進一步的比對和技術分類後，以技術路徑圖方法視覺化公司的專利分布及其對應之商業模式，最後藉由本研究所制定的專利價值指標比較企業與其競爭對手的相對優勢，協助該企業從中研擬出合適的策略以符合商業模式的發展。本研究以阿里巴巴和亞馬遜兩家全球領先的電子商務公司之電子支付技術及專利數據作為案例研究的基礎，實際分析兩家公司之金流技術路徑暨全球競爭力，期以此案例解析，提供EC經營管理者做決策分析時之有利參考方法與工具。

Advanced technologies have lowered the entry barriers of e-commerce (EC) industry. The level of customer satisfaction is considered to be an important factor that drives the growth rate of EC sales. Understanding and satisfying customer expectations for payment experiences critically important. Because the EC industry is still evolving, related payment services have to be adequately developed so as to meet the requirements of customers. The EC enterprises usually adopt electronic payment (e-payment) methods to settle financial transactions among merchants and customers. A successful e-payment service creates new business opportunities and requires patent protection to prevent infringement from competitors. This research develops a computer-assisted approach incorporating text-mining method to classify each patent and visualize patent portfolios using roadmaps to explore novelty and possible strategic information of EC enterprises. The framework first constructs the e-payment ontology and identifies the key term library of each ontology element by experts. The next step is to use computer-assisted method to extract key terms of each patent based on frequently appeared terms from primary and Derwent World Patent Index (DWPI) patent information. After key term extraction, this research matches each patent with the libraries and maps onto roadmaps to visualize patent portfolios. This research also employs patent value indicators to highlight the relative competitive advantages. By applying roadmapping and value assessment, the positions making enterprises outperform in the competitive EC environment can be identified and benchmarked. This research studies two leading EC operators in the US and Asia, i.e., Amazon and Alibaba, as a case study and uses their e-payment patents as input to implement the proposed analysis. The patent portfolios and analytical results underlying their competitive advantages and future business development implications are discussed.

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