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Electronic Payment Systems

Electronic Payment Systems. Current affiliations. Bandung High-Tech Valley (BHTV). 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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Electronic Payment Systems

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  1. Electronic Payment Systems

  2. Current affiliations Bandung High-Tech Valley (BHTV)

  3. 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”

  4. Fungsi Uang • Sebagai sebuah satuan untuk mengukur nilai sebuah barang / servis • Sebagai cara yang nyaman untuk menyimpan nilai sebuah barang • Sebagai alat tukar

  5. Persyaratan Penggunaan Uang • Dapat dikenal secara mudah dan luas • Sukar dipalsukan • Nilainya (relatif) stabil • Tahan lama, tidak mudah rusak • Nyaman dan mudah digunakan • Tidak mahal

  6. 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

  7. 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 • Budi Rahardjo, “Mengimplementasikan Electronic Commerce di Indonesia,” Technical Report, TR-PPAUME-1999-02. Available in electronic form from PPAUME web site www.paume.itb.ac.id

  8. 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

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

  10. 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

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

  12. CIPAS

  13. 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

  14. 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)

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

  16. Resources • 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

  17. Resources • http://www.onlinecheck.com/ • Micropayment evaluation:http://www.hpl.hp.com/techreports/97/HPL-97-14.html • http://www.w3.org/ECommerce/Micropayments/

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