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Understanding Electronic Payment Systems: Features of E-Checks and Centralized Accounts

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Electronic payment systems are revolutionizing transactions, especially with e-checks and centralized accounts. Platforms like PayPal and Amazon simplify payments by allowing direct bank transfers, enhancing efficiency in business-to-business (B2B) transactions. The Electronic Check concept offers offline payment methods transferring funds between banks securely. With user-friendly systems such as NetCheque, users can send electronic checks via email. Centralized accounts streamline activities, eliminating the need for clearing, fostering quicker financial interactions. Dive into the essentials of e-payment innovations.

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Understanding Electronic Payment Systems: Features of E-Checks and Centralized Accounts

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Presentation Transcript

  1. E-payment system Electronic checks and account

  2. Electronic checks and account • Transfer • Bank Internet payment system • NetCheque • NetBill

  3. Transfer • Saat 2 pihak bank memegangrekeningdidualembaga yang berbedapembayarandapatdilakukanlangsungmenstransfersecaralangsungdaripihak A ke B • Ataudengancaratidaklangsungdenganmemberikanotorisasi, salahsatunyadengan media elektronik, pemeriksaansecaraelektronik

  4. Centralized Accounts • Jikapihakpembayaran danpenerimamemiliki account yang samapadainstitusifinansial, makasegalaaktifitasakanlebihsederhana • Pembayarmerasalebihamansaatkoneksike bank • Hanyamelaluiakuntertentudan bank menambahdanmengurangiakuntersebut • Tidakadakliring

  5. ContohCentralized Accounts • www.amazon.com • www.beenz.com • www.e-gold.com • www.paypal.com • www.propay.com • www.bidpay.com • www.neteller.com • www.internetcash.com

  6. Electronic Check Concept

  7. Bank Internet Payment System (BIPS) • Cekelektronikmenyediakanmetode offline pembayarantranferdarisatu bank ke bank yang lain • Metodepembayaranlangsungdapatdilakukanmelaluibank, seperti transfer kredit (giros), ACH pembayaran, dantransfer wire • Terutamauntuk business to business (B2B) transactions

  8. BIPS Architecture

  9. Netcheque® • NetCheque® payment system merupakanpembayaranelektronikmelaluiinternet • Clifford Neumandan Ari Medvinsky, Information Sciences Institute of University of Southern California • Menggunakan Kerberos

  10. User yang telahterdaftardenganakunNetChequedapatmenulis/ mengirimcekelektronikkepadauser yang lain • dapatdikirimkanmelalui e-mail atausebagaipembayaranuntuklayanan yang disediakanmelaluiprotokoljaringanlainnya • Ketikadisetorkan, kewenanganberpindahdaricektransfer saldodarirekeningterhadapcek yang ditarikke account yang cekdiendapkan

  11. Netbill • Carnegie Mellon University

  12. Konsep

  13. ProtokolTransaksi

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