《討厭的東西(非文勿進)》路人某某

6、6

　　Type of payment systems
　　- Cash is legal tender defined by a national authority to represent value現金是法定看護人定義由一個國家當局代表價值
　　- Checking transfers are funds transferred directly via a signed draft of check from a consumer’s checking account to a merchant or other individual檢查調動的是直接地通過檢查一份簽字的草稿轉移的資金從消費者的支票帳戶到客商或其他個體
　　- Credit card represent an account that extends credit to consumers, permits consumers to purchase item while deferring payment, and allows consumers to make payments to multiple vendors at one time信用卡代表致以信用對消費者的帳戶，允許消費者購買項目，當順從付款時，并且允許消費者一次付付款對廣泛供營商
　　- Stored value payments systems are accounts created by depositing funds into an account created by depositing funds into an account and form which funds are paid out or withdraw as needed被存放的價值付款系統是放置創造的帳戶資金入放置創造的帳戶資金入資金被支付的帳戶并且形成或讓步如需要
　　- Debit cards immediately debit a checking or other demand deposit account轉賬卡立刻扣除一個檢查的或其他活期存款帳戶
　　- Accumulating balance payment systems are accounts that accumulate expenditures and to which consumers make periodic payments積累平衡付款系統是積累開支的帳戶，并且給哪些消費者付週期性付款

　　Current e-commerce payment systems
　　- Digital cash generate a private form of security that can be spent at e-commerce sites數字貨幣引起可以花費在電子商務站點
　　- Online store value system rely on prepayments, debit cards, or checking accounts to create value in an account that can be used for e-commerce shopping安全的一個私有形式網上商店價值系統在可以為電子商務購物使用的帳戶依靠先付、轉賬卡或者支票帳戶創造價值
　　- Digital accumulating balance payment systems accumulate small charges and bill the consumer periodically, these systems are especially suited for processing micro payments for digital accounts積累平衡付款系統的數字式積累小充電并且週期性地發單消費者，這些系統特別是適用與處理微付款為數字式帳戶
　　- Digital credit accounts extend the online functionality of existing credit card payment systems數字式赊欠帳擴大現有的信用卡付款系統的網上功能

　　Limitations of online credit card payment systems
　　- Security – neither the merchant nor the consumer can be fully authenticated安全-客商和消費者不可以充分地被證實
　　- Merchant risk – consumers can repudiate charges商人風險-消費者能否定充電
　　- Cost – roughly 3.5% of transaction fee費用-大致3.5%交易費
　　- Social Equity – young adults do not have credit cards; some poor adults cannot afford credit cards社會產權-年輕成人沒有信用卡; 一些可憐的成人不可能買得起信用卡

　　SET: secure electronic transaction protocol獲取電子事務協議
　　- An open standard for the e-commerce industry developed and offered by MasterCard and Visa as a way to facilitate and encourage improved security for credit card transactions一個開放標準為MasterCard和簽證開發和提供的電子商務產業作為方式促進和鼓勵被改進的安全為信用卡交易
　　- Uses a digital certificate to verify a sender’s identity用途一個數字認證核實發令者的身分

　　B2C Digital payment systems
　　(a) Digital wallets
　　(b) Digital cash
　　- Online stored value systems網上被存放的價值系統
　　- Smart card stored value system智能卡存放了價值系統
　　(c) Digital accumulating balance payment積累平衡付款的數字式
　　(d) Digital credit card payment systems

　　Digital wallets
　　(a) Authenticates the consumer through the use of digital certificates or other encryption methods, stores and transfers value, and secures the payment process from the consumer to the merchant通過對數字認證或其他加密方法的用途證實消費者，存放并且轉移價值，并且綁付款過程從消費者到客商上
　　(b) Functionalities
　　- Authentication認證
　　- Processing of payment
　　- Privacy/password management
　　- Receipt management
　　- Bill presentation票據介紹
　　- Loyalty program忠誠節目
　　- Coupon delivery優惠券交付
　　- Micro payment微付款

　　Type of digital wallets
　　- Client-based digital wallets are software application that consumers install on their computer, and that offer consumer convenience by automatically filling out forms at online stores基於客戶的數字式錢包是消費者在他們的計算機安裝，并且提供消費者便利通過自動填好形成在網上商店的軟件應用
　　- Server-based digital wallets are software-based authentication and payment services to merchants either directly or as a part of their financial service package基於服務器的數字式錢包直接地是基於軟件的認證和付款服務對客商或作為他們的金融服務包裹的部分

　　Digital cash
　　- Also called e-cash
　　- Digital forms of value storage or value exchanges that have limited convertibility into other forms of value and require intermediaries to convert限制了可變換性入價值的其他形式并且要求中介轉換價值存貯或價值交換的數字式形式
　　- Online stored value payment system permit consumers to make instant, online payments to merchants and other individuals based on value stored in an online account做立即，網上付款對客商和其他個體的網上被存放的價值付款系統許可證消費者根據在一個網上帳戶存放的價值
　　- Smart card as stored value systems are based on credit-card-sized plastic cards that have embedded chips that store personal information智能卡作為被存放的價值系統根據埋置了芯片存儲個人信息的信用卡片大小的塑料卡片

　　Digital accumulating balance payment systems積累平衡付款系統的數字式
　　- Allow user to make micro payments and purchases on the web, accumulating debit balance for which they are billed at the ended of the month允許用戶做微付款和購買在網，積累他們被發單在月的結尾的帳上借方餘額

　　Digital credit card payment systems
　　- Seek to extend the functionality of existing credit cards for use as online shopping payment tools擴大現有的信用卡的功能的尋求為使用作為網上購物付款工具

　　B2B payment systems
　　(a) More complex than B2C systems
　　(b) Must link into exist ERP and EDI systems
　　(c) Two main types
　　- Systems that replace traditional banks替換傳統銀行的系統
　　- Existing banking systems extending to the B2B marketplace延伸到B2B市場的現有的銀行業務系統

　　Key features of B2B payment systems
　　- Credit verification and guarantee信用證明和保證
　　- Nonrepudiation不可否認性
　　- Funds collection for seller資金彙集為賣主
　　- Financing
　　- Integration with other business documents綜合化與其他商業文件
　　- Fraud detection欺騙偵查
　　- Accounting
　　- Integration to back-end corporate systems綜合化對後端公司系統
　　- Online bill presentation網上票據介紹
　　- Multiple payment options多個付款選擇

　　Electronic billing presentation and payment
　　- New forms of online payment systems for monthly bills網上付款系統的新的形式為月度票據
　　- Allow consumers to view bills electronically and pay them through electronic funds transfers from bank or credit card accounts允許消費者電子觀看票據和通過電子資金轉帳支付他們從銀行或信用卡帳戶