Electronic payment and settlement summary

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Select: 20 to 120 minutes
is determined: 10 to 1 10.
Short answer: 5 to 25 minutes
discussion: 1.15 7 + 8
Case study: 20 chapters 5,6,8

Chapter 56> Chapter 78> 12 chapter

The first chapter outlines the electronic payment

Glossary

Payment : Payment of debt is debt settlement and money transfer behavior caused by social and economic activities.
Content consists of two levels: ① payer can accept the transfer of monetary claims to the payee ② behavior includes not only cash, but also includes transfer payments
payment system : payment system refers to the implementation and completion of various activities made a series of payments regulatory and institutional arrangements related infrastructure arrangements organic whole.
By the payment service organizations, payment instruments, payment system, payment system composed of four elements regulators.
Electronic payments : electronic payment is the payment of money or cash flow on the network, to achieve circulation and paid in the form of electronic transmission of information through the computer network system.
Electronic payment systems : electronic payment system means for delivery, transfer, billing and a series of financial service activities using computer technology.

Short answer

3. try to illustrate the application of various electronic payments by way of example reality.
(1) Online payment : Internet banking payment, third party payment (Alipay), ChinaPay
(2) Mobile Payments : Mobile operators and handset payment, UnionPay mobile payment, commercial bank mobile payment, mobile POS, etc.
(3) fixed telephone payment : ICBC 95566, 95568 Minsheng Bank, China Merchants Bank, 95555, etc.
(4) cable network pay : commercial banks pay TV, pay TV CUP
(5) financial private network payment : POS payments, ATM payment

4. DESCRIPTION different electronic payment and the traditional payment.
Compared with traditional methods of payment, electronic payment has the following characteristics:
(1) the use of advanced electronic payment techniques is accomplished through the transmission of digital information transfer, which are based on different kinds of payment way digital payments, and the traditional method of payment is by cash flow, circulation and other physical entities summary transfer and bank notes to complete the payments. ( Sum payment )
(2) electronic payments environment is based on an open systems platform (ie Internet) among; while traditional payment is functioning in a more closed system. ( Work environment )
(3) electronic payments using the most advanced means of communication, such as Internet, Extranet; and the use of traditional payment is the traditional communication media. Electronic payment for software and hardware facilities of high demand, generally require computer networking, software and other related facilities; and traditional payment is not so high demand. ( Means of communication and requirements )
(4) Electronic payment is convenient, fast, efficient and economical advantages, as long as the user has an Internet PC, you can stay at home, to complete the payment process in a very short period of time. Pay only about one-tenth of a few traditional payment of even a few percent. ( Quick and easy. Cost-effective )

Select True or False

School test questions

The second chapter payment instruments and payment

Glossary

Credit card : credit card, also known as a credit card, a credit voucher issued to individuals and institutions of good credit by a bank or credit card company, cardholders can shop at specific merchants or access to services, and allows certain overdraft amount.
Credit card with a credit consumption, transfer settlement, access to cash and other functions.
Co-branded cards : co-branded cards refers to the commercial banks and for-profit institutions (such as airlines, shopping malls, tourist companies, hotels, telecom operators, etc.) in order to target a specific customer base for the joint issuance of bank cards.
Regularly credited : means the agreement periodically credited to the paying bank based parties signed before a regular basis to the designated beneficiary bank initiated bulk payment transactions.
Including ① ② pay the wages and pay the insurance business, the provisions of the pension business ③ People's Bank of China other periodic payments credited business
of electronic money : electronic money in electronic information technology as a means to network-based and electronic equipment, electronic machines and tools for the media, electronic data (binary data) for the storage and delivery of forms, information flow instead of the value of the entity were in circulation and monetary payments.
Wallet : Wallet customers for cashless micro-payment, storage and special computer software or hardware devices transaction records.
(Stored-value cards and computer software based on two novel)

Short answer

5. Description of the electronic money and its classification.
Electronic money based on electronic information technology as a means to network-based and electronic equipment, electronic equipment for the media, electronic data (binary data) for the storage and delivery of forms, information flow instead of entities were in circulation and monetary value of payments .
Depending on the application can be divided into four categories:
prepaid card type electronic money and virtual currency, credit cards, electronic money applications, the use of electronic money deposit, cash analog electronic money
according to issuers of electronic money , electronic money into three categories

6. Description of characteristics stored value card Wallet.
1) previously stored value, without interest
2) bearer, not report the loss
3) offline payment
4) using relatively closed environment
5) micropayment

The third chapter online banking payment

Glossary

Internet banking : online banking (I-bank), refers to the use of Internet digital communications technology to the Internet as a basis for trading platforms and service channels, available online billings, credit service commercial bank or financial institution service system for the public, can also be understood virtual bank counter on the Internet.
Personal Internet Banking : Personal Internet Banking is mainly suitable for daily consumption and transfer payments individuals and families. Customers can perform real-time inquiries, transfers, payments and remittance network functionality through Personal Internet Banking service.
Digital certificates : digital certificate is an authoritative electronic document issued by the CA, and its role in daily life is similar to a driver's license or ID card drivers, people can use it to identify with each other's identity in Internet transactions.

Short answer

3. Our current security technology for online banking authentication What?
(1) digital certificates
① ② mobile browser a digital certificate digital certificate
(2) dynamic password card
(3) SMS password
(4) other relevant safety identification technology
① ② graphics code PIN pad ③ security controls

4. The combination of experience their own online banking payment, you talk about the use of online banking has a function which, taken security technology, online payment process in general what is?
The main function of online banking:
① release of public information ② accept customer inquiries complaints ③ account inquiry ④ application and report the loss ⑤ online banking to pay
major security technologies:
(1) a digital certificate
(2) dynamic password card
(3) SMS password
(4 ) other relevant security identification technology
① ② graphics code PIN pad ③ security control
processes online payments:
client applications and online payment -> customer obtain a digital certificate -> online Shopping -> select internet banking payment method -> by specifying online banking payments -> Bank office settlement

Chapter IV telephone payment

Glossary

Telephone banking : Phone banking (telephone banking) refers to the bank using computer telephony integration (CTI) technology, by means of the public telephone network, automatic answering system and way artificially services for customers of financial services through the telephone voice.
Telephone banking is a service provided by way of a financial institution, which allows customers to interact with the bank over the phone.
MOTOpay pay : (mail order and telephone order payment ) card is a credit card-free payment system, our country is a leading third-party electronic payment company line "Internet Banking Online" launched payment services products, is a specialized electronic payments for credit cards.
eBilling payment : KT (Korea Telecom) subsidiary Softfamily company paid in 1998, the Internet research and development system, a telephone payment system for fixed and mobile telephony. Users online consumer use content from telecommunications, mobile phone bill (information fee) deducted by the operator of the toll collection directly.

Short answer

2. Compare mobile payment, pay telephone banking, online payment, they each have what the pros and cons?
Mobile Payment: Advantages: mobile payment convenient, fast, safe, inexpensive and so on.
Disadvantages: (1) technical standards are not uniform (2) legal system with industry standards yet to be perfected (3) cost (4) business cards and electronic wallet there is regulatory risk (5) Information Security

Online payment: the advantages of (1) convenient service, convenient, efficient and (2) low cost (3) services more standards, more standardized (4) strong privacy
Disadvantages: online banking system security threats during operation and risk, while the system design or imperfections on the implementation of operational risk brought so dependent on external service providers will give bank.

Telephone banking: Advantages: (1) easy to use fast low (2) transaction costs (3) from time and space constraints rich (4) strong real-time operation (5) the type of service, personalized
terms of telephone banking for Bank the existence of advantages: (1) to save manpower (2) lower cost (3) for the customer relationship management to help
disadvantages: safety problems telephone payments: (1) customer lack of safety awareness (2) telephone keypad security risk ( 3) password is simple, easily crack (4) vulnerable to Trojan horse attacks (5) client can not timely access to capital movements

4. What models currently exist in China telephone banking to pay? Various modes of payment process is like?
(1) telephone banking and payment providers to provide support

① open payment card phone payment function
② cardholder bound with telephone banking call center phone bank selected, and then follow the automated voice payments artificial process.
③ banking platform will be paid back to the results via an online interface to third-party phone payment platform.
④ modify the order after the third-party payment platform to pay the resulting state, will be paid back to the interface results online merchant platform.
⑤ merchant shipping matters according to the payment processing results.

(2) direct bank to complete the payment of telephone banking

① single cardholder in merchant platform
② Bank cardholder call center phone bank selected by telephone bindings, and then follow the automated voice payments artificial process.
③ banking platform will be paid results back to the merchant platform via online interface.
④ merchant shipping matters according to the payment processing results.

Chapter V mobile payments

Glossary

移动支付：移动支付就是通过移动设备利用无线通信技术转移货币价值以清偿债权债务关系的一种支付方式
手机支付：手机是目前移动支付中使用最普遍的移动设备，利用手机进行的支付方式通常称为手机支付
NFC：NFC是near field communication的英文缩写，即近场通信，又称近距离无线通信，是一种短距离的高频无线通信技术，允许电子设备之间在10厘米（3.9英寸）内交换数据
RFID-SIM：RFID-SIM卡是中国移动推出的使用RFID技术的新一代SIM卡，该卡兼容ISO7816标准，支持SIM卡原有通信业务。并且支持近距离、非接触、小额支付等RFID功能。
射频识别技术（radio frequency identification），是20世纪80年代发展起来的一种新兴自动识别技术，无需人工干预，操作方便快捷，并具有可识别告诉运转的物体及可同时识别多个标签的特点。

简答题

1.简述移动支付、手机银行、手机钱包的概念
移动支付就是通过移动设备利用无线通信技术转移货币价值以清偿债权债务关系的一种支付方式。

手机银行就是通过移动通信网络与移动通信技术实现手机与银行的连接，通过手机界面操作或者发送短信完成各种金融服务的电子银行创新业务产品，是手机支付的一种实现方式，也是目前移动支付中使用比较普遍的一种支付方式。

手机钱包是手机与电子钱包的结合。电子钱包包括智能储值卡式电子钱包和纯软件式电子钱包。手机既可以通过与智能储值卡的物理融合成为电子钱包，也可以作为移动终端通过使用电子钱包软件作为手机钱包。但目前人们所称的手机钱包多指前者，即手机与智能储值卡的融合。

2.简述移动支付的分类
（1）根据移动支付基于的账户，移动支付可以分为基于银行卡账户的移动支付和基于后台账户（包括话费账户）的移动支付。
（2）根据移动支付是否事先指定受付方，移动支付可以分为定向支付和非定向支付。
（3）根据使用的传输方式和技术，移动支付可以分为远距离支付和近距离支付，或者称为远程支付和现场支付。
（4）根据移动支付金额的大小，移动支付可以分为大额支付、小额支付和微支付。

3.简述移动支付的业务模式和接入技术
业务模式：
一、远距离支付（远程支付）业务模式
（1）手机银行模式 （2）后台账户（包含话费账户）模式 （3）银行卡绑定模式 （4）虚拟账户模式

二、近距离支付（现场支付）业务模式
近距离支付不通过移动网络，利用近距离无线通信技术（例如：红外线、射频识别、蓝牙等技术）进行支付，包括接触式支付和非接触式支付。这种支付方式也就是储值卡式电子钱包支付，每个电子钱包有一个对应的后台支付账户。
接入技术：
分为远程和近程来讨论。从远支付距离来讲，有下面几种接入技术：基于短消息（SMS）方式的支付；基于USSD方式的支付;基于K-JAVA方式的支付；基于WAP方式的支付。从近距离支付来讲，有红外线、蓝牙、RFID与NFC这样一些接入技术

4.说出与现实生活相关的五个远程支付实例
微信支付、天翼手机手机缴费、中国工商银行手机银行业务、拉卡拉手机刷卡器、招商银行手机银行

5.移动支付面临哪些主要问题？
（1）技术标准不统一。现阶段移动支付的运营商包括了电信运营商、金融机构、以及其余的第三方支付，各自都有相应的支付技术，技术标准的不统一严重影响了移动支付的健康有效发展。
（2）法律规范和行业规范尚待完善。目前中国在电子支付领域的法律体系尚未完善，移动支付参与方的责任与分工缺乏明确的法律描述，在行业运营方面也没有可靠的行业操作规范。只能靠不断的用户体验和测试使用来订立并完善规范标准。因此，现阶段的移动支付应用存在一定的法律风险与经营风险。
（3）成本问题。移动支付业务的开展需要巨大的投入，如研发成本，终端成本，运营成本等。特别是高昂的终端成本，给移动运营商和银联造成了不小的经济负担。终端成本主要体现在POS机、读卡器以及SIM卡上。
（4）行业卡和电子钱包存在监管风险。由于发行电子钱包本身类似于吸储，形成的沉淀资金在管理上存在一定风险，大多数国家对单子钱包发行机构的资格有所要求，一般都规定只有银行、信用机构以及接受监管的金融机构才有资格发行电子钱包。而在我国面前，不符合上述规定的具有预付款性质的行业卡和电子钱包大量存在，而且一些行业卡的预付资金数量巨大，且不计利息、不兑现，如果这些沉淀资金的管理、运用出现问题，将会出现支付危机，扰乱金融秩序。
（5）信息安全问题。移动支付涉及到支付用户资金的安全和相关信息的保密等问题，开展移动支付要面对来自移动通信系统和互联网的安全风险，用户对移动支付的安全性仍然存在疑虑。

讨论题

2.你认为用商场提供的预付款性质的磁条式购物卡支付购物是否属于近距离移动支付？为什么？
3.如何看待中国的移动支付发展前景？你会在日常生活中使用移动支付吗？如果会，请简单描述你的使用经历；如果不会，说出你的理由。

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第六章 自助银行支付

名词解释

自助银行：自助银行（self-service banking）又称“无人银行”，属于银行业务处理电子化和自动化的一部分，它利用现代通信和计算机技术，借助现代化的自助服务设备，采用“人机对话”方式，为客户提供智能化程度高、不受银行营业时间限制的24小时全天候金融服务，全部业务流程在没有银行人员协助的情况下完全由客户自己完成，极其方便、快捷。
指纹银行：广义的指纹银行是银行利用先进的现代生物识别技术——指纹识别，代替原有的卡、折等金融工具，进行存、取款等综合银行业务操作的电子银行新模式。

简答题

1.谈谈你对自助银行概念的理解。
自助银行有狭义和广义之分。中国人民银行在《商业银行设立同城营业网点管理办法》中第三条规定：“自助银行是指商业银行在营业场所以外设立的自动取款机（ATM）、自动存款机（CDM）等通过计算机、通信等科技手段提供存款、贷款、取款、转账、货币兑换和查询等金融服务的自助设施。自助银行包括具有独立营业场所、提供上述金融业务的自助银行和不具有独立营业场所、仅提供取款、转账、查询服务的自动取款机（ATM）两类”。上述定义是一种狭义的自助银行；广义上的自助银行除此以外还包括网上银行、电话银行以及手机银行等主要以自助方式实现金融服务的方式。
4.试论述指纹银行的发展过程及未来应用趋势。
现阶段，指纹技术已经成功地应用于工行、建行、交行的省级分行和各城市商业银行的业务实践中，在风险控制方面取得了很大进展。
（1）在身份认证方面的应用
基于指纹识别的指纹银行可以为银行客户解决客户银行卡丢失、忘记密码等问题，同时一个人的指纹可以下设多个银行账户，用它进行身份验证，具有很好的安全性、可靠性和有效性。
（2）在内控管理中的应用
由于管理体制和技术方面的原因，金融系统中存在“飞卡现象”和“越权现象”，柜台权限卡易被盗用和仿制、密码易泄露的问题时有发生。传统的基于卡片和密码的安全登录，没有和柜员本人生物特征相关联。在实际的操作中还出现柜员违规操作，非法委托他人进行授权，对授权内容缺乏有效监督，给管理造成不便。基于指纹识别技术的指纹银行可以解决这些问题。

讨论题

我们不时听到有关使用银行ATM取款发生欺诈等安全事故，请思考讨论发生这些安全事故的主要原因有哪些？应该从哪些方面采取防范措施？

第七章 跨行支付

名词解释（英文全称及解释）

SWIFT:SWIFT全称是Society for Worldwide Interbank Financial Telecommunication，中文名是环球同业银行金融电信协会。为适应国际贸易发展的需要，美国、加拿大和欧洲的一些大银行于1973年5月正式成立SWIFT组织，负责设计、建立和管理SWIFT国际网络，以便在该组织成员间进行国际金融信息的传输。
CHIPS:CHIPS（clearing house interbank payment system，清算所银行同业支付系统）是由纽约清算所协会（NYCHA）经营管理的清算所同业支付系统，它是全球最大的私营支付清算系统之一，是一个净额多边清算的大额贷记支付系统，主要进行跨国美元交易的清算。
FEDWIRE:FEDWIRE（Federal Reserves Wire Transfer System，联邦电子资金转账系统）是由联邦储备系统开发与维护的电子转账系统，是一个贷记支付系统。FEDWIRE提供电子化的联储资金和债券转账服务，是一个实时大额清算系统，在美国的支付机制中发挥着重要的作用。
TARGET:TARGET（The Trans-European Automated Real-time Gross settlement Express Transfer，泛欧自动实时全额结算快速转账）是一个分布式的非中心清算系统，支付信息在双方之间的传递不是通过某个中心机构，在营业时间内支付指令不会送往欧洲中央银行。它由15国的RTGS系统、欧洲中央银行的支付系统（EPM）和互联系统（interlinking system）构成，欧洲中央银行只提供很少的中心清算服务，如TARGET的日终清算（end-of-day）。

简答题

5.简述大额实时支付系统的功能
①大额实时支付系统是中国人民银行按照我国支付清算需要，利用现代化计算技术和通信网络开发建设的，能够高效、安全处理各银行办理的异地、同城各种支付业务及其资金清算和货币市场交易的资金清算的应用系统。
②它是中国人民银行为信用社、商业银行与中国人民银行之间的支付业务提供最终资金清算的系统，为各银行跨行汇兑提供快速、高效、安全、可靠的支付清算服务。
③它实行逐笔实时处理，全额清算资金，是目前国内最快捷的结算手段之一，通过各商业银行办理异地跨行汇兑业务可实现1分钟内实时到账，且费用更省。
④建设大额支付系统的目的，就是为了给各银行和广大企业单位以及金融市场提供快速、高效、安全、可靠的支付清算服务，防范支付风险。
⑤同时，该系统对中央银行更加灵活、有效地实施货币政策具有重要作用。
⑥该系统处理同城和异地、商业银行跨行之间和行内的大额贷记及紧急的小额贷记支付业务，处理人民银行系统的贷记支付业务。
6.简述SWIFT的服务内容
SWIFT扮演着国际间银行业中枢神经系统的角色，担负着全球银行之间信息交流、资金流通的重任。SWIFT提供的服务分为四大类：接入服务、金融信息传递服务、交易处理服务和分析服务。

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第八章 中国银联支付

中国银联：中国银联是中国银行卡联合组织，处于银行卡产业的核心和枢纽地位，是实现银行卡系统互联互通的关键所在。依托银联跨行交易清算系统，中国银联制定和推广银联跨行交易清算系统入网标准，统一银行卡跨行技术标准和业务规范，形成银行卡产业的资源共享和自律机制，从而对银行卡产业的发展起到引导、协调、推动和促进作用。
ChinaPay：银联电子支付服务有限公司（ChinaPay）是中国银联控股的银行卡专业化服务公司，拥有面向全国的统一支付平台，主要从事以互联网等新兴渠道为基础的网上支付、企业B2B账户支付、电话支付、网上跨行转账、网上基金交易、企业公对私资金代付、自助终端支付等银行卡网上支付及增值业务，是中国银联旗下的网络方面军。
网上支付：网上支付是电子支付的一种形式，它是通过第三方提供的与银行之间的支付接口进行的即时支付方式，这种方式的好处在于可以直接把资金从用户的银行卡中转账到网站账户中，汇款马上到账，不需要人工确认。

简答题

2.中国银联电子支付与其他第三方支付机构如支付宝等相比，有哪些竞争优势？
银联电子支付依托于中国银联的基础建设提供产品和增值服务，本身具有许多优势。
（1）强大的品牌认知度。作为银联旗下的公司——银联电子支付的最大优势是它被看做是银联嫡系的支付企业，以及人们习惯性地认为它有着政府背景，因此造就了它最广泛的用户基础以及最卓著的信誉。
（2）用户的信任度高。ChinaPay作为银联的控股公司，具有强大的品牌认知度，再加上它的政府背景，很容易赢得用户的信任度。
（3）依托银联的基础设施提供产品和增值服务。银联的优势就在于它与银行的天然联系，商户、银行与它互联互通，这种便捷和安全相比支付宝等第三方支付服务组织而言，使银联在开拓网络支付领域上容易得多。
（4）通用性的支付网关。ChinaPay采用一种通用性的支付网关，能够支持国内各家商业银行的银行卡进行网上的跨银行、跨地区的在线支付；提供统一接口和统一的清算对账渠道，资金T+1日结算，资金到账及时、安全。
（5）庞大的银行卡群体。银联电子支付公司通过银联和各大银行联结，同时联结各大商户，这样持卡人可以在网上支付的时候使用银联卡。
（6）依靠银联的发展经验。银联本身就有线下业务的规则，经过长期的发展也积累了很多在支付、企业管理以及和银行的关系处理方面的经验。ChinaPay是基于银联的，这些经验是可以借鉴的，运用这些经验可以使ChinaPay更好更快地发展。

第九章 第三方支付

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名词解释

Gateway payment : payment gateway mode means that third-party payment platform to deliver payment instructions issued by the buyer to the bank only as a payment channel, after the completion of the bank transfer, then the information passed to the payment platform, payment platform notifies the merchant will be paid and settled.
Alipay : Alipay account type is paid by a third party, Zhejiang Network Technology Co., Ltd. to provide payment platform.
Alipay Network Technology Co., Ltd. is a leading online payment services to provide Internet companies, the world's leading B2B website - the founder of Alibaba. Alipay is committed to providing security for the Chinese e-commerce, convenient, personalized online payment solutions.

Short answer

1. What is a third-party payment platform? What is a third-party payment? What type of third-party payment?
Third-party payment platform is the platform provider through the communication, computer and information security technology, to establish a connection between merchants and banks, from a consumer to pay money between financial institutions and business, cash flow, capital settlement, query statistics a system that by its very nature is a payment system that third-party payment system.

"Third party payment", is an independent body have a certain strength and credibility of security, the use of the major banks signed way to provide online payment mode of payment and settlement system interface with the bank's transaction support platform.

Gateway mode of payment, account payment mode (inter-pay payment mode, direct billing payment mode), special third-party payment - ChinaPay.
4. Alipay example to introduce third-party payment transaction process and draw the flow chart.

Chapter X payment systems and risk management

The main types of payment system risk of what?
Liquidity risk, credit risk, legal risk, operational risk and systemic risk.