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Chapter11:PaymentSystemsForElectronicCommerceDr.MinQingfeiSchoolofManagementDalianUniversityofTechnologyConspectustoElectronicCommerceObjectivesInthischapter,youwilllearnabout:•Thebasicfunctionsofonlinepaymentsystems•Theuseofpaymentcardsinelectroniccommerce•ThehistoryandfutureofelectroniccashObjectives(continued)•Howelectronicwalletswork•Theuseofstored-valuecardsinelectroniccommerce•Internettechnologiesandthebankingindustry11.1OnlinePaymentBasics•Cash,checks,creditcards,anddebitcardsaccountformorethan90percentofallconsumerpaymentsintheUnitedStates•Mostpopularconsumerelectronictransfersareautomatedpaymentsof–Autoloans–Insurancepayments–Mortgagepaymentsmadefromconsumers’checkingaccountsPaymentMethodsforallTypesofU.S.ConsumerTransactions,2005Projections在线电子支付在线电子支付方式主要有:1.电子现金2.结算卡/银行卡3.电子支票4.电子钱包5.智能卡(IC卡)6.移动电子支付7.……11.2PaymentCards(结算卡)•Describealltypesofplasticcardsusedtomakepurchases•Creditcard(信用卡)•Debitcard(借记卡)•Chargecard(签帐卡)PaymentCards(continued)•Creditcard–Hasspendinglimitbasedonauser’scredithistory•Debitcard–Removesanamountfromacardholder’sbankaccount–Transfersittotheseller’sbankaccount•Chargecard–Carriesnospendinglimit–Amountchargedisdueattheendofthebillingperiod签帐卡(ChargeCard)•签帐卡并非信用卡,这种消费支付工具与信用卡最大之差别在于限制消费者的还款方式。•在额度方面,签帐卡在消费限额上较有弹性,使用者少有刷爆之危险,是常刷卡大笔金额之持卡人的最佳工具。•现今市场上,签帐卡一般被认定比信用卡更具身份表征,拥有极高消费能力,其发卡之审核标准亦较严格。•它们的入会费及年费通常也比信用卡高出许多。•在付款方式方面,签帐卡必须于缴款期限内,全数缴清,不能像信用卡般,使用循环信用来延后部份款项之付款。AdvantagesandDisadvantagesofPaymentCards•Advantage–Worldwideacceptance–Built-insecurityformerchants•Disadvantage–Paymentcardservicecompanieschargemerchantsper-transactionfeesandmonthlyprocessingfeesPaymentAcceptanceandProcessing•Stepsfollowedonceamerchantreceivesaconsumer’spaymentcardinformation–Merchantauthenticatespaymentcard–Merchantcheckswithpaymentcardissuer•Toensurethatcreditorfundsareavailable•Putsaholdonthecreditlineorthefundsneededtocoverthecharge–Settlementoccurs,usuallyafewdaysafterthepurchase,OpenandClosedLoopSystem•Closedloopsystems(封闭系统)–Cardissuerpaysmerchantsthatacceptthecarddirectlyanddoesnotuseanintermediary–电话卡、洗衣卡、饭卡、公交卡•Openloopsystems(开放系统)–Involvethreeormoreparties–SystemsusingVisaorMasterCardareexamples–信用卡MerchantAccounts•ToprocesspaymentcardsforInternettransactionsanonlinemerchantmustsetupamerchantaccount•Newmerchantmustsupply–Businessplan–Detailsaboutexistingbankaccounts–BusinessandpersonalcredithistoryProcessingPaymentsOnline•InternetSecure–Providessecurepaymentcardservices•FirstData–Providesmerchantpaymentcardprocessingserviceswiththefollowingprograms•ICVERIFY,PCAuthorize,andWebAuthorize•BanksconnecttoanAutomatedClearingHouse(ACH,自动清算所)throughhighlysecure,privateleasedtelephonelinesProcessingaPaymentCardTransaction11.3ElectronicCash•Termthatdescribesanyvaluestorageandexchangesystemcreatedbyaprivateentitythat–Doesnotusepaperdocumentsorcoins–Canserveasasubstituteforgovernment-issuedphysicalcurrency•Attractiveintwoarenas–Saleofgoodsandservicesoflessthan$10–Saleofhigher-pricedgoodsandservicestothosewithoutcreditcards•数字现金的表现形式–硬盘数据文件形式序列号–IC卡形式的电子现金专用设备电子现金(E-Cash)电子现金(E-cash)是一种以数据形式流通的货币,也就是通常所说的网络货币,它把现金数值转换成为一系列的加密序列数,通过这些序列数来表示现实中各种金额的币值。PrivacyandSecurityofElectronicCash•Concernsaboutelectronicpaymentmethodsinclude–Privacyandsecurity隐私与安全–Independence独立–Portability便携–Convenience方便•Advantagesofelectroniccash–Independentandportable电子现金的应用过程5定单及加密的数字现金6加密的数字现金9确认信息8确认1请求开设E-cash帐户2帐号3购买数字现金请求4银行数字现金签名的随机数7核对买方卖方银行数字现金库1)货币价值电子现金必须有一定的现金、银行授权的信用或银行证明的现金支票进行支持。2)可交换性电子现金可以与纸币、商品或服务、网上银行卡、银行账户存储金额、支票或负债等进行互换。3)可存储性可存储性将允许用户在家庭、办公室或途中对存储在一个计算机的外存、IC卡,或者其他更易于传输的标准或特殊用途的设备中的电子现金进行存储和检索。电子现金的属性1.匿名性—电子现金用于匿名消费。买方用电子现金向卖方付款,除了卖方以外,没有人知道买方的身份或交易细节。2.不可跟踪性—电子现金不能提供用于跟踪持有者的信息,不可跟踪性可以保证交易的保密性,也就维护了交易双方的隐私权。3.减少实物现金的使用量4.支付灵活方便—电子现金的使用范围比信用卡更广,银行卡支付仅限于被授权的商户,而电子现金支付却不受此限制。电子现金的优点1.目前的使用量小:只有少数几家银行提供电子现金开户服务,也只有少数商家接受电子现金。2.成本较高:电子现金对于硬件和软件的技术要求都较高,需要一个大型的数据库存储用户完成的交易和电子现金序列号以防止重复消费。3.存在货币兑换问题:各国银行只能以各国本币的形式发行电子现金,因此从事跨国贸易就必须要使用特殊的兑换软件。4.可丢失性:如果买方的硬盘出现故障并且没有备份的话,电子现金就会丢失,就像丢失钞票一样。5.税收和洗钱6.恶意破坏与盗用、电子伪钞电子现金存在的问题电子现金应用系统提供商中国还没有专业的电子现金提供商,这里介绍4个国际知名的电子现金应用系统提供商。1.DigiCash():是专门从事电子支付系统和电子现金开发的公司,该公司开发了一种无条件匿名电子现金Ecash。。2.CyberCash():就是PayPal,提供用于小额电子现金事务的服务。3.Clickshare():公司有面向报刊出版商的电子现金系统。4.eCoin():公司发行的电子现金eCoin可用于在线购物支付。eCoin提供在线小额支付服务。HoldingElectronicCash:OnlineandOfflineCash•Onlinecashstorage(在线现金存储)–Trustedthirdpartyisinvolvedinalltransfersofelectroniccash–Holdsconsumers’cashaccounts•Offlinecashstorage(离线现金存储)–Virtualequivalentofmoneykeptinawallet–NothirdpartyisinvolvedinthetransactionProvidingSecurityforElectronicCash•Cryptographicalgorithms–Keystocreatingtamperproofelectroniccashthatcanbetracedbacktoitsorigins•Anonymouselectroniccash–Electroniccashthatcannotbetracedbacktothepersonwhospentit•Creatingtrulyanonymouselectroniccash–RequiresabanktoissueelectroniccashwithembeddedserialnumbersDetectingDoubleSpendingofElectronicCashElectronicCashSystems•CheckFree–Largestonlinebillprocessorintheworld–Providesonlinepaymentprocessingservices•Clic
本文标题:Session 11 - Payment Systems For Electronic Commer
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