ProcessingCardsOnlineAuthorization授权-中央大学管理学院.PPT

中央大學。范錚強 Electronic Payment 中央大學.資訊管理系 范錚強 mailto: ckfarn@.tw .tw/~ckfarn 2011.05 Payment Card Electronic card that contains information that can be used for payment purposes. Three forms of payment cards: Credit cards Charge cards Debit cards Processing Cards Online Authorization 授權 Determines whether a buyer’s card is active and whether the customer has sufficient funds. Settlement 清分帳 Transferring money from the buyer’s to the merchant’s account. Merchants use three basic configurations for processing online payments: Own the payment software Use a point of sale system (POS) operated by an acquirer Use a POS operated by a payment service provider payment service provider (PSP) A third-party service connecting a merchant’s EC system to the appropriate acquiring bank or financial institution. PSPs must be registered with the various card associations they support. Key tools used in combating fraud: Address Verification System (AVS) Detects fraud by comparing the address entered on a Web page with the address information on file with the cardholder’s issuing bank. Manual review Fraud screens and automated decision models Smart Card An electronic card containing an embedded microchip that enables predefined operations or the addition, deletion, or manipulation of information on the card. 電子錢包：小額支付 悠游卡（非接觸式），iCash （接觸式） stored-value card A card that has monetary value loaded onto it and that is usually rechargeable. Types of Smart Cards contact card A smart card containing a small gold plate on the face that when inserted in a smart card reader makes contact and passes data to and from the embedded microchip. contactless (proximity) card A smart card with an embedded antenna, by means of which data and applications are passed to and from a card reader unit or other device without contact between the card and the card reader. Applications of Smart Cards Retail Purchases Transit Fares e-Micropayments 小額支付 Small online payments, typically under $10. Five bas