ElectronicPayment-国立中央大学管理学院.pptVIP

中央大學。范錚強 電子支付Electronic Payment 中央大學.資訊管理系 范錚強 mailto: ckfarn@.tw .tw/~ckfarn 2014.04 updated 商業中的「支付」 對價關係的價值交換 人和人之間的物物交換 貨幣（金子、銀兩、銅錢） 銀票和紙鈔 支票、匯票 塑膠貨幣 簽帳卡、信用卡 (Credit card)、金融卡 (Debit card) 儲值卡 小額支付卡 紅利積點（私人發行的貨幣） Payment Card Electronic card that contains information that can be used for payment purposes. Three forms of payment cards: Charge cards Credit 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 (過濾) and automated decision models Card verification number (CVN) Detects fraud by comparing the verification number printed on the signature strip on the back of the card with the information on file with the cardholder’s issuing bank Card association payer authentication services Negative lists 黑名單 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） Life+ 雲端生活家 https://www.lifeplus.tw/ 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 i