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
Electronic Data Interchange (EDI)



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
Document Flow without EDI
Buyer
Purchase request
initiated in the
organization
Seller
Finance
department
Finance
department
Payment
Purchase
department
Inventory and
warehousing
Order
delivery
Bill
Paper-based
mailroom
Receiving
department
Paper-based
mailroom
Product
delivery
Shipping
department
Order
confirmation
Sales department
Manufacturing
department
5
Document Flow with EDI
Buyer
Purchase request
initiated in the
organization
Seller
Finance
department
Finance
department
Billing
details
Payment details
Purchase-order
delivery
Purchase
department
EDI-capable
computer
EDI-capable
computer
Sales department
Shipping
department
Manufacturing
department
Automatedorder onfirmation
Inventory and
warehousing
Receiving
department
Product
delivery
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)
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Cardholder
credit
card
Merchant
Payment authorization,
payment data
Card Brand Company
payment data
account debit data
payment data
amount transfer
Issuer Bank
Acquirer Bank
Cardholder
Account
Merchant
Account
Credit Card Procedure (offline and online)
© Prentice Hall, 2000
8
8
Electronic Fund Transfer (EFT)
on the Internet
Internet
Payee
Payer
Cyber Bank
Cyber Bank
Payment
Gateway
Payment
Gateway
Bank
VAN
Bank
Automated
Clearinghouse
VAN
An Architecture of Electronic Fund Transfer on the Internet9
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
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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 nonInternet 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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