1. 中央大學。范錚強 1 Electronic Payment 中央大學. 資訊管理系 范錚強 mailto: ckfarn@mgt.ncu.edu.tw http://www.mgt.ncu.edu.tw/~ckfarn 2011.05 10

2. 中央大學。范錚強 2 Crucial factors in determining whether a particular method of e-payment achieves critical mass: Independence Interoperability and Portability Security Anonymity Divisibility Ease of Use Transaction Fees International Support Regulations 10-2 Copyright © 2011 Pearson Education, Inc. Publishing as Prentice Hall The Payment Revolution

3. 中央大學。范錚強 3 Payment Card Electronic card that contains information that can be used for payment purposes. Three forms of payment cards: 1.Credit cards 2.Charge cards 3.Debit cards

4. 中央大學。范錚強 4 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.

5. 中央大學。范錚強 5 Merchants use three basic configurations for processing online payments: 1.Own the payment software 2.Use a point of sale system (POS) operated by an acquirer 3.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.

6. 中央大學。范錚強 6

7. 7 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

8. 中央大學。范錚強 8 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.

9. 中央大學。范錚強 9

10. 10 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.

11. 中央大學。范錚強 11 smart card reader Activates and reads the contents of the chip on a smart card, usually passing the information on to a host system. smart card operating system Special system that handles file management, security, input/output (I/O), and command execution and provides an application programming interface (API) for a smart card. Smart Card

12. 中央大學。范錚強 12 Applications of Smart Cards Retail Purchases Transit Fares

13. 中央大學。范錚強 13 e-Micropayments 小額支付 Small online payments, typically under $10. Five basic micropayment models that do not depend solely or directly on credit or debit cards: 1.Aggregation 2.Direct payment 3.Stored value 4.Subscriptions 5.À la carte

14. 中央大學。范錚強 14 e-check A legally valid electronic version or representation of a paper check.

15. 中央大學。范錚強 15 Automated Clearing House (ACH) Network A nationwide batch-oriented electronic funds transfer system that provides for the interbank clearing of electronic payments for participating financial institutions.

16. 中央大學。范錚強 16 付款的信任問題 買賣雙方無法相互信任 信任轉移 認證，如：安全購物標章、資訊安全標章 SOSA: 優良電子商店 履約保證

17. 中央大學。范錚強 17 履約保證機制 買方把錢付給中間商（被信任的第三者） trusted third party 例如：銀行 該中間商告訴賣方收到錢 賣方交付貨物或服務 買方告訴中間人取得貨物或服務 中間商將錢交給賣方 中間商可以是一組企業或個人

18. 中央大學。范錚強 18 履約保證機制 需要履約保證的狀況：長交易 信任轉移 買賣雙方互不信任，但對中間商的信任， 使得交易得以完成 買賣房子： Escrow 需要相當長的時間辦理過戶 國際貿易：信用狀 L/C: Letter of Credit

19. 中央大學。范錚強 19 電子商務的履約 雙方看不到對方 可能無法產生信任 目前尚不普遍 https://www.paynow.com.tw/index/Default.aspx 紅陽科技