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E-Payment System

E-Payment System. Sistem Teknologi Informasi Perbankan Materi setelah UTS. Latar belakang. Banking is a sunset industry, electronic banking is a sunrise industry Mulai banyaknya e-payment, e-money, e-banking, dsb. Apa semua ini?

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E-Payment System

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  1. E-Payment System Sistem Teknologi Informasi Perbankan Materi setelah UTS

  2. Latar belakang Banking is a sunset industry,electronic banking is a sunrise industry • Mulai banyaknya e-payment, e-money, e-banking, dsb. Apa semua ini? • Perdagangan / perniagaan di Internet membutuhkan kecepatan dalam “transfer of money”

  3. Jenis Layanan E-Payment • Electronic banking • Bukan uang baru • Hanya cara untuk mengakses servis bank biasa • Stored value systems (cards) • Uang baru • Alternatif dari mata uang yang dikeluarkan oleh pemerintah

  4. Contoh-contoh E-payment • Micropayment, millicent • E-wallet, virtual wallet, EMV electronic purse • E-cash, digicash, cybercash, iKP • Electronic cheque, FSTC • First Virtual • Smartcard-based e-payment

  5. Standard Paper Checks (1) pay Consumer (payer) Merchant (payee) (6) statement (2) endorse (5) report (3) present Consumer’s bank Merchant’s bank (4) clear

  6. Credit Card Transaction Presents card Consumer Merchant Seeks andreceivesauthorization Submittransactionfor settlement Authorization system Consumer’s] Card-issuing bank Merchant’s Acquirer bank Settlement system

  7. Payment Gateway Purchase request Payment request Consumer Merchant Credit card payment Credit card response Authorization request Payment gateway Charge response Consumer’s] Card-issuing bank Merchant’s Acquirer bank Settlement system

  8. Payment Gateway di Indonesia • Commerce.netwww.commerce.net.id • CIPAS Internet Payment Acquiring Softwarewww.cipas.com

  9. Masalah Pembayaran dengan Kartu Kredit di Indonesia • Belum banyak yang memiliki kartu kredit • Belum percaya kepada keamanannya • Belum adanya proteksi terhadap penyalahgunaan atau fraud • Kesimpulan: masih perlu ada e-payment lain yang non-credit card

  10. Keamanan (Security) • Suatu topik bahasan tersendiri • Keamanan di sisi network, host, application • Pengamanan dengan menggunakan teknologi kriptografi (enkripsi) • Public Key Cryptosystem (RSA, ECC) merupakan basis dari Public Key Infrastructure (PKI)

  11. Keamanan (security) [2] • PKI membutuhkan Certification Authority (CA) • Umumnya pengamanan di network menggunakan SSL • Panjang kunci yang rendah mengakibatkan rentannya pengamanan

  12. Cybercash.com: credit card and check (PayNow) http://www.isi.edu/gost/info/NetCheque Yahoo! Wallet: store credit cards info ChoicePay: electronic billinghttp://www.emoneysystems.com eCash.net Verifone.com: point of sale (soft & hardware) http://www.internetcash.com/ prepaid card http://www.onlinecheck.com/ Micropayment evaluation:http://www.hpl.hp.com/techreports/97/HPL-97-14.html http://www.w3.org/ECommerce/Micropayments/ Resources

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