E-Payment System Sistem Teknologi Informasi Perbankan Materi

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, ebanking, dsb. Apa semua ini? Perdagangan / perniagaan di Internet membutuhkan kecepatan dalam “transfer of money”

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

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

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

Credit Card Transaction Consumer Presents card Merchant Seeks and receives authorization Authorization system Consumer’s] Card-issuing bank Settlement system Submit transaction for settlement Merchant’s Acquirer bank

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

Payment Gateway di Indonesia Commerce.net www.commerce.net.id CIPAS Internet Payment Acquiring Software www.cipas.com

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

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)

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

Resources Cybercash.com: credit card and check (PayNow) http://www.isi.edu/gost/info/ NetCheque Yahoo! Wallet: store credit cards info ChoicePay: electronic billing http://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/