株式会社グローバルインフォメーション
TEL: 044-952-0102
市場調査レポート

決済方法のプログラミング:APIからコマース・プラットフォームへ

Programming the Payment: From APIs to Commerce Platforms

発行 Mercator Advisory Group, Inc. 商品コード 235015
出版日 ページ情報 英文 28 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=115.27円で換算しております。
Back to Top
決済方法のプログラミング:APIからコマース・プラットフォームへ Programming the Payment: From APIs to Commerce Platforms
出版日: 2012年03月27日 ページ情報: 英文 28 Pages
概要

商品取引の決済手法がWebやモバイル機器に急速にシフトする中で、消費者・販売企業・カード発行会社・カードネットワーク・決済システムの各々の要望を適切にまとめるソフトウェア開発業者の手腕が重要性を増してきました。一部の決済サービスプロバイダーは、決済機能を簡単に組み込めるツールによって、販売企業やソフトウェア開発企業を引き付けています。

当レポートでは、eコマース(電子商取引)向け決済用プログラム/サービスの世界市場について分析し、全体的な状況(API開発からコマース・プラットフォーム(Commerce Platform)の提供への流れなど)、主要企業の事例、今後解決すべき課題などを調査・考察して、その結果を概略以下の構成でお届けします。

エグゼクティブ・サマリー

イントロダクション

APIsと決済とコマース・プラットフォーム

  • 「ネット初」はもはや十分ではない
  • ゲートウェイAPIの先にあるもの
  • eコマースから店頭へ
  • ビジネスの価値
  • 自宅から店頭へ
  • 安価な方法とは言えない
  • プログラムによるアクセスの水準
  • コマース・プラットフォームの利点

各ベンダーのプラットフォーム

  • eBay X.commerce
  • Headed Toward the POS
  • Visa
  • MasterCard
  • VeriFone
  • Inkiru
  • Stripe
  • SeerGate
  • American Express
  • Amazon
  • First Data
  • IP Commerce

注意事項

  • ID:選択肢が多すぎる
  • APIの管理
  • 途中での停滞
  • 価値の付加
  • 一部の企業取得者にとって、小型案件が多すぎる
  • ブランド設定上の課題

結論

  • 単なるAPIの話ではなく、ビジネス全体の話である
  • シリコンバレーのどの大企業も(新設企業も)参入できる
  • モバイル対応の問題
  • 著作権表記

図表一覧

目次

Abstract

New research from Mercator Advisory Group reviews software development platforms and payment innovation

Boston, MA -- The increasingly rapid shift of payment activity to the Web and mobile devices relies upon the talent of software developers creating the integrated customer experience that consumers, merchants, issuers, card networks, and payment processors demand. Tools for developers that ease payment integration attract entrepreneurs and enterprise software developers to particular payment service providers.

Mercator Advisory Group's new report Programming the Payment: From APIs to Commerce Platforms, examines the expanding array of providers that are helping programmers program the payment. The report reviews offerings from top card networks, payment processors, and payment services providers for e-commerce, mobile, and point-of-sale payment applications. Issues of identity, branding, and API management are addressed as well as the merger and acquisition activity of several major players.

Highlights of this report include:

New opportunities for software developers to leverage payment capacities created by the proliferation of e-commerce, mobile commerce, and cloud-based wallet schemes.

The two major categories of business models for companies offering payments and commerce services to developers

The changes that variants of the commerce capture model enable for e-commerce and mobile commerce applications

Changes that many entities, such as IP Commerce, are making as result of the shift in activity from e-commerce transactions to point-of-sale and mobile commerce

"Software developers are a strong source of payment innovation and a growing source of payment transaction volume," states George Peabody, Director of Mercator Advisory Group's Emerging Technologies Advisory Service. "Payment processors hope to capture commerce via this channel through programmatic interfaces. As the definition of a transaction expands beyond the payment alone, commerce platform providers take it one step further to enable value exchange among all participants.

One of five exhibits in this report:

image1

This report is 28 pages long with five exhibits.

Companies mentioned in this report include: Chase Paymentech, Vantiv, First Data, Amazon, Cycle Computing, PayPal, Apigee, IP Commerce, Mashery, Heroku, dotCloud, eBay, Visa, MasterCard, American Express, VeriFone, MICROS, S1, AJB, Inkiru, Stripe, SeerGate, Facebook, Google, Twitter, Isis, and LinkedIn.

Members of Mercator Advisory Group's Emerging Technologies Advisory Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

Table of Contents

Executive Summary

Introduction

APIs, Payments, and the Commerce Platform

  • Net New Is No Longer Enough
  • Beyond the Gateway API
  • From e-Commerce to the Point of Sale
  • The Business Value
  • Getting There from Here
  • It Isn't Cheap
  • Levels of Programmatic Access
  • Benefits of a Commerce Platform

Vendor Platforms

  • eBay X.commerce
  • Headed Toward the POS
  • Visa
  • MasterCard
  • VeriFone
  • Inkiru
  • Stripe
  • SeerGate
  • American Express
  • Amazon
  • First Data
  • IP Commerce

Cautions

  • Identities, So Many to Choose From
  • API Management
  • Caught in the Middle
  • Adding Value
  • For Some Acquirers, It's Too Many Little Fish
  • The Branding Challenge
  • Conclusion
  • More than an API, It's About Business
  • Every Silicon Valley Giant (and Start-up) Gets It
  • Mobile Matters
  • Copyright Notice

Figures and Tables

  • Figure 1: Evolution of Programmatic Access to Payments Services
  • Table 1: eBay Acquisitions, 2008 - 2011
  • Figure 2: Categorizing eBay Acquisitions
  • Figure 3: eBay's X.commerce Ecosystem Drives Volume to PayPal
  • Figure 4: IP Commerce's Enterprise Service Bus
  • Figure 5: IP Commerce Services Stack
Back to Top