眾所周知在過去幾年，電子商務就像是颱風一樣衝擊台灣的商業世界，改變我們的交易模式，首先第一階段令人興奮的電子商務應用是有關於企業對消費者(B2C)、企業對企業(B2B)以及消費者對消費者(C2C)。接著下一波的應用會是「電視商務」- 經由電視的機上盒來處理商業交易，或是「行動商務」-經由每個人所有的行動電話來操作商業交易，應該是「語音電子商務」-經由語音通信設備來啟動商業交易，而且不限制於我們所使用通信設備(例如:手機、室內電話、公用電話)。
另外一方面，在台灣有超過伍千壹佰多萬張的流通信用卡、貳拾柒萬壹千多家的信用卡特約商店以及伍拾家以上的信用卡發卡銀行。是故本研究為語音電子商務在信用卡產業之應用，使信用卡支付能夠更隨處可用、更方便使用及增加其附加價值；所以首要工作便是建立語音入口網站來執行語音電子商務，以便提供信用卡特約商店客製化付款及附加的客戶轉介服務。經由語音電子商務所提供的服務，信用卡特約商店將可以較低廉費用來擴大其客戶關係，信用卡公司將可以達成當前無法完成的事情，就是同時增加其品牌曝光度及增加服務手續費收入，最後也可達到消費者所期待的個人化、整合及有效率的購物經驗。
本論文首先描述何謂語音電子商務及使用之技術，然後藉由介紹國內外語音電子商務服務發展之現況及應用，來瞭解目前語音電子商務在各產業應用發展之重點以及未來發展的議題，並根據個案分析得出之結果，套用語音電子商務應用在台灣的信用卡產業上，而且去分析語音電子商務在信用卡上使用的價值網以及為何使用者會想要透過語音電子商務去使用信用卡，並且分析其所創新之價值，最後論述語音電子商務在信用卡上的一些應用。設置語音電子商務平台在信用卡產業是領先的創新運用，研究結果可以發現：
(1)增加銀行手續費收入
(2)提高信用卡客戶服務
(3)增強個人化服務
(4)強化與信用卡特約商店的連繫關係

Abstract
Everybody knew electronic commerce has hit the Taiwan business world like a typhoon over the past several years, first with a wave of excitement around B2C, and then B2B and C2C. Will the next wave be “T-commerce” –transactions conducted through a TV set-top-box or ”M-commerce” –transactions operated through a mobile phone? Perhaps it will be voice commerce (V-commerce) – transactions initiated through voice speech and irrelevant your devices.

Besides, there are more than 51 millions credit card customer, 271 thousands credit card merchants and 50 card issuer bank in Taiwan. This research of V-commerce in the credit card industry is about making payment services more ubiquitous, convenient and value-added. That will be connected to a voice portal service for merchants, integrating customized payment and value-added referral services. Through this service, merchants will be able to broaden customer relationships while lowering costs. Credit card institutions will be able to increase brand exposure and generate fees from services that can’t be implemented today. And consumer expectations for personalized, integrated and efficient shopping experience will be met.

First of this research describes V-commerce and the technology of use. Then introduced present situation and application of V-commerce in domestic and foreign market. To understood present V-commerce in various industries the subject which key as well as the future develops using the development. According to the result of case analysis, applies mechanically the V-commerce application in Taiwan’s credit card industry. Moreover analyzes the value network of V-commerce which uses on the credit card as well as why the customer want to use the credit card via V-commerce. Finally, analyzes value of its innovation and elaborates the V-commerce of some credit card applications. In conclusion, V-commerce will also lead a way of innovation by laying a platform in credit card industry for:
1. Improved fees incomes
2. Enhanced customer service
3. Increased service personalization
4. Continuous merchants chain connectivity

中文部份
[1]王舒民，「創新擴散理論之再思－以我國PKI創新擴散為例」，國立臺灣科技大學資訊管理研究所碩士論文，2002。
[2]陳重江，「行動商務-行動定位服務之研究」，國立臺灣大學資訊管理研究所碩士論文，2002。
[3]黃佳櫻，「建構行動商務的關鍵成功因素」，國立台灣大學資訊管理研究所碩士論文，2003。
[4]黃呈豐，「行動化企業之經營模式與應用策略」，國立台灣大學商學研究所碩士論文，2002。
[5]楊茂柱，「基於統計式語意相依關係之對話語句理解系統」，國立成功大學資訊工程所碩士論文，2004。
[6]楊繡如，「網頁表格資訊自動對話模式之研究」，國立臺灣師範大學資訊教育研究所碩士論文，2003。
[7]謝政益，「網路電話接受度之研究」，國立台灣科技大學資訊管理研究所碩士論文，2003。
[8]項潔，「基於欄位填充機制的XML文件檢索方法」，國立台灣大學資訊工程所博士論文，2002。

英文部份
[1] B. Mahadevan,“ Making Sense of Emerging Market Structures in B2B
E-Commerce”, California Management Review Vol 46, No.1 , Fall 2003
[2] Christopher H. Paige,“ Capital One Financial Corporation ”, Harvard Business School, May. 2001
[3] David C. Michael & Greg Sutherland, “ Digital Dragons-How Asia-Pacific’s large companies can generate real value from consumer E-business“, The Boston Consulting Group, July 2001
[4] Harold L. Sirkin & David R. Dean, “ Mobile Commerce—winning the on-air consumer”, The Boston Consulting Group, Nov. 2000
[5] Jackie Rees, Subhajyoti Bandyopadhyay and Eugene H. Spafford, “A Policy Framework for Information Security”, Communications of the CAM, Jul. 2003 Vol.46 No.7
[6] Philip Anderson & Erin Anderson,“ The New E-Commerce Intermediaries”, MIT Sloan Management Review, Summer 2002
[7] Sandy D. Jap & Jakki J. Mohr, “ Leveraging Internet Technologies in B2B Relationships“, California Management Review Vol 44, No.4, Summer 2002
[8] Scott C. Beardsley, James M. Manyika, and Roger P. Roberts, “The next revolution in interactions”, The McKinsey Quarterly ,2005 No.4
[9] Siau K. and Zixing Shen, “Building Customer Trust in Mobile Commerce” ,Communications of the ACM, Vol.46 No.4, Apr. 2003, P91-94
[10] W. Chan Kim and Renee Mauborgne, “Blue Ocean Strategy: From Theory to Practice”, California Management Review, Spring 2005 Vol.47 No.3
[11] Zakaria Maamar, “ Commerce, E-Commerce and M-Commerce: What Comes
Next?“, Communications of The ACM, Dec. 2003 Vol 46, No. 12