Matakuliah
Tahun
Versi
: H0292 / E-Business
: 2005
: v0 / Revisi 1
Pertemuan 6
Transaksi Dokumen dan pembayaran Elektronik
1

Learning Outcomes
Pada akhir pertemuan ini, diharapkan mahasiswa akan mampu :
• Menjelaskan cara kerja sistem transaksi pengiriman dokumen dan pembayaran elektronik
2

Outline Materi
• Teknologi EDI (Electronic Data
Interchange)
• Teknologi Pembayaran elektronik
– Electronic / digital cash
– Electronic checks
– Online credit card based systems
– Instrumen financial lain
3




Computer-to-computer exchange of business information has become an increasingly popular form of electronic commerce.
EDI enables firms to exchange business information faster, more cheaply, and more accurately than using paper-based systems.
EDI used in manufacturing, shipping, warehousing, utilities, pharmaceuticals, construction, petroleum, metals, banking, government, health care, etc.
 EDI consists of standardized electronic-message formats
(transaction sets) for business documents such as requests for quotations, purchase orders, purchase change orders, bill of lading, receiving advices, and invoices.
 To move to EDI, a company must have computerized accounting records and establish trading partners who agree to exchange EDI transactions.
 Benefits of EDI: improved in overall record keeping quality, reduced inventory, better information for mgt decision making.
4

Buyer Seller
Purchase request initiated in the organization
Finance department
Finance department
Payment Bill
Purchase department
Order delivery
Paper-based mailroom
Paper-based mailroom
Order confirmation
Sales department
Inventory and warehousing
Receiving department
Product delivery
Shipping department
Manufacturing department
5

Purchase request initiated in the organization
Purchase department
Buyer Seller
Finance department
Payment details
EDI-capable computer
Purchase-order delivery
Automatedorder onfirmation
EDI-capable computer
Billing details
Finance department
Sales department
Inventory and warehousing
Receiving department
Product delivery
Shipping department
Manufacturing department
6

Electronic Credit Card System on the Internet
• The Players
– Cardholder
– Merchant (seller)
– Issuer (your bank)
– Acquirer (merchant’s financial institution, acquires the sales slips)
– Brand (VISA, Master Card)
7

Cardholder credit card
Merchant
Payment authorization, payment data account debit data
Card Brand Company payment data payment data amount transfer
Issuer Bank
Cardholder
Account
Acquirer Bank
Merchant
Account
Credit Card Procedure (offline and online)
© Prentice Hall, 2000
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8

Electronic Fund Transfer (EFT) on the Internet
Payer
Payee
Internet
Cyber Bank Cyber Bank
Payment
Gateway
Payment
Gateway
Bank Bank
VAN VAN
Automated
Clearinghouse
An Architecture of Electronic Fund Transfer on the Internet 9

Debit Cards
• A delivery vehicle of cash in an electronic form
• Mondex, VisaCash applied this approach
• Either anonymous or onymous
• CyberCash has commercialized a debit card named CyberCoin as a medium of micropayments on the Internet
10

Electronic Cash and Micropayments
• Smart Cards
– The concept of e-cash is used in the non-Internet environment
– Plastic cards with magnetic stripes (old technology)
– Includes IC chips with programmable functions on them which makes cards “smart”
– One e-cash card for one application
– Recharge the card only at designated locations, such as bank office or a kiosk. Future: recharge at your PC
– e.g. Mondex & VisaCash
11

Electronic Money
• DigiCash
– The analogy of paper money or coins
– Expensive, as each payment transaction must be reported to the bank and recorded
– Conflict with the role of central bank’s bill issuance
– Legally, DigiCash is not supposed to issue more than an electronic gift certificate even though it may be accepted by a wide number of member stores
12

Electronic Money
(cont.)
• Stored Value Cards
– No issuance of money
– Debit card — a delivering vehicle of cash in an electronic form
– Either anonymous or onymous
– Advantage of an anonymous card
• the card may be given from one person to another
– Also implemented on the Internet without employment of an IC card
13

Electronic Money
(cont.)
• Smart card-based e-cash
– Can be recharged at home through the Internet
– Can be used on the Internet as well as in a non-
Internet environment
• Ceiling of Stored Values
– To prevent the abuse of stored values in money laundry
– S$500 in Singapore; HK$3,000 in Hong Kong
• Multiple Currencies
– Can be used for cross border payments
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