1、中央大學。范錚強,1,eB 中的金流問題,國立中央大學.資訊管理系范錚強Tel: (03)426-7250mailto: ckfarnmgt.ncu.edu.twhttp:/www.mgt.ncu.edu.tw/ckfarnUpdated 2007,9,中央大學。范錚強,2,傳統支付和收款,企業間支票押匯（交易履約保證機制）企業面對消者現金支票信用卡/簽帳卡金融卡預付機制如：禮卷、電話卡,中央大學。范錚強,3,金額的分類,大額付款沒有上限一般消費付款數百至數萬元小額支付數百元以下：交通費、便利商店,中央大學。范錚強,4,對帳,對帳為收、付雙方共同同意支付的項目傳統企業間：對帳企業對消費者：帳單
2、電子化：電子帳單的可行性即時對帳,中央大學。范錚強,5,金流的特性,金流的處理牽涉到資金的轉移可能影響貨幣發行量基本上，很多金流行為都受到嚴格的管制 heavily regulated台灣的金融管制非常保守但需要在現行法規下運作,中央大學。范錚強,6,電子化的支付,電匯轉帳有限的時差手續費相對於支付金額小額支付產生問題無法取代支票,中央大學。范錚強,7,台灣支票的特性,支付 融資並非簡單的支付必須配合融資的項目應收帳款融資Factoring傳統上有極高的手續費（折現利率）電子支票必須解決融資問題才能有效,中央大學。范錚強,8,以交易為基礎的融資,信用貸款而非質押貸款交易融資的問題未來付款者的可
3、性賴度交易的真實性還款的掌握,中央大學。范錚強,9,C 計畫中的 eFinancing,中心廠,供應商,以交易為基礎的融資,銀行,7. BalancePayment,中央大學。范錚強,10,C 計畫和風險能見度,利率,風險,中央大學。范錚強,11,多商品融資方式,供貨狀況,1,2,3,4,5,6,7,中心廠 付款,A/R確認,出貨,訂單,檢驗寄存,供貨過程,融資項目,拉貨指示,8,發票,中央大學。范錚強,12,C計畫1,中央大學。范錚強,13,C計畫2,中央大學。范錚強,14,C計畫3,中央大學。范錚強,15,C計畫4,中央大學。范錚強,16,對消費者的收款影響因素,獨立性相互相容性 Inte
4、roperability and portability安全匿名可分割性易用性手續費法規管制,中央大學。范錚強,17,消費者付款方式,帳號扣款零花整付必須先設定帳號無法服務零星的需求隨花隨付付款卡預付卡行動支付,中央大學。范錚強,18,付款卡 payment card,Electronic card that contains information that can be used for payment purposes三類付款卡Credit cardsCharge cardsDebit cards,中央大學。范錚強,19,Processing Credit Cards Online,au
5、thorizationDetermines whether a buyers card is active and whether the customer has sufficient fundssettlementTransferring money from the buyers to the merchants accountpayment service provider (PSP)A third-party service connecting a merchants EC systems to the appropriate acquirers. PSPs must be reg
6、istered with the various card associations they support,中央大學。范錚強,20,Using Payments Cards Online,Key participants in processing credit card payments online include the following:Acquiring bankCredit card associationCustomerIssuing bankMerchantPayment processing serviceProcessor,中央大學。范錚強,21,預付卡 Smart
7、Cards,An electronic card containing an embedded microchip that enables predefined operations or the addition, deletion, or manipulation of information on the card悠遊卡、 iCash,中央大學。范錚強,22,Exhibit 12.2 Smart Card,中央大學。范錚強,23,Types of Smart Cards,contact cardA smart card containing a small gold plate on
8、the face that when inserted in a smart card reader makes contact and passes data to and from the embedded microchipcontactless (proximity) cardA 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 betw
9、een the card and the card reader,中央大學。范錚強,24,Applications of Smart Cards,stored-value cardA card that has monetary value loaded onto it and that is usually rechargeableRetail Purchasese-purseSmart card application that loads money from a card holders bank account onto the smart cards chipCommon Elec
10、tronic Purse Specification (CEPS)Standards governing the operation and interoperability of e-purse offerings,中央大學。范錚強,25,Applications of Smart Cards,交通費To eliminate the inconvenience of multiple types of tickets used in public transportation, most major transit operators in the United States are imp
11、lementing smart card fare-ticketing systems小額支付：電子錢包身份辨識Because they have the capability to store personal information, including pictures, biometric identifiers, digital signatures, and private security keys, smart cards are being used in a variety of identification, access control, and authentication applications,中央大學。范錚強,26,E-Micropayments,Small online payments, typically under US $10台灣便利商店平均每單低於 100元用信用卡、金融卡，需支付手續費手續費比例過高,中央大學。范錚強,27,預付卡的管制限制,香港的八達通交通、便利商店悠遊卡台北市交通特許悠遊聯名卡兩個錢包如何解決,中央大學。范錚強,28,手機支付,創新應用的機會金融卡的彙整轉帳二維條碼 + 簡訊但台灣簡訊費用過高手機響鈴時的訊號響鈴時，傳送的手機號碼等信息的利用NFC: Near Field Communication,
