国际结算双语教程 第十二章课件.ppt

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1、CHAPTER12CYBERPAYMENTS12.1Introduction12.2Cyberpayments12.3Transferofmoneyininternet12.4Controloftheelectronicmoney12.1Introduction12.1.1Internet:parentofcyberpaymentsTheInternetistheparentofcyberpayments,andcyberpaymentsarethetacticalmethodofbuyinggoodsandservicesovert

2、heInternet.Today,theInternetisreshapingthewaybusinesstransactionsareconducted.Itisempoweringbothconsumersandbusinessbyprovidingexpandingmarketsandchoicestonotonlynational,butalsointernationalcommunities.Itenrichescompetitioninproductsandprice,anditdriveschangeandimprovement,give

3、nitsabilitytoprovideinformationandcomparativechoices.12.1.2TheinternetdemandandsupplysideEcommerceactivityovertheInternetstillhasawidedevelopingspacecomparedwithwhatitwillbecome.WiththeInternet,theglobalizationofcommercehasarrived,andbothconsumersandcorporationshavemorechoiceto

4、addresstheirpersonalandcorporatepurchasingrequirements.Itraisesglobaltradeandglobaleconomicgrowth.Forthesupplyside,economicsofscaletakeonawholenewmeaning.Sellersofgoodsandservicescanexpectnotonlylocalopportunities,butalsonationalandglobalreach.12.1.3Typesofelectroniccashtechnolo

5、giesTherearebasicallytwotypesofelectroniccashtechnologies:storedvaluedproducts(suchasaJROrangeCardoranNTTtelephonecard)andaccessproducts(thatprocessatransactiononline,suchasabankATMcard).Theconceptofcyberpaymentsencompassesmeansofpaymentthatuseeither(oracombinationofboth)ofthe

6、setechnologiestoeffectfundtransactions.Primitiveformsofelectronicbasedtransactionsystemshavebeenaroundsincelastcentury(considerwiring“money”viatelegraph).12.2Cyberpayments12.2.1Whatiscyberpayments?Theterm“cyberpayment”isjustoneofmanyusedtodescribesystemsthatfacilitatethetran

7、sferoffinancialvalue(i.e.digitalcurrency,emoney).Infact,thesedevelopmentsmayalterthemeansbywhichalltypesoffinancialtransactionareconductedandfinancialpaymentssystemsareoperated.Someofcyberpaymentssystemsuseboth.Sotheterm“cyberpayments”canbeusedtodefinemethodsthathavebeenimple

8、mentedtotransfermoney.Cyberpaymentsrefertoevol