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Electronic Payment Systems
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Electronic Payment Systems

Jan 22, 2016

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Mark Bowald

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? - PowerPoint PPT Presentation
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Page 1: Electronic Payment Systems

Electronic Payment Systems

Page 2: Electronic Payment Systems

Current affiliations

Bandung High-Tech Valley (BHTV)

Page 3: Electronic Payment Systems

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”

Page 4: Electronic Payment Systems

Fungsi Uang

1. Sebagai sebuah satuan untuk mengukur nilai sebuah barang / servis

2. Sebagai cara yang nyaman untuk menyimpan nilai sebuah barang

3. Sebagai alat tukar

Page 5: Electronic Payment Systems

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

Page 6: Electronic Payment Systems

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

Page 7: Electronic Payment Systems

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

Page 8: Electronic Payment Systems

Consumer’sbank

Standard Paper Checks

Consumer(payer)

Merchant(payee)

Merchant’sbank

(1) pay

(2) endorse

(3) present

(4) clear

(5) report(6) statement

Page 9: Electronic Payment Systems

Credit Card Transaction

Consumer’s]Card-issuing

bank

Consumer Merchant

Merchant’sAcquirerbank

Presents card

Authorizationsystem

Seeks andreceives

authorization

Submittransaction

for settlement

Settlement system

Page 10: Electronic Payment Systems

Payment Gateway

Consumer’s]Card-issuing

bank

Consumer Merchant

Merchant’sAcquirerbank

Paymentgateway

Authorization request

Charge response

Settlement system

Purchase request

Payment request

Credit card payment

Credit card response

Page 11: Electronic Payment Systems

Payment Gateway di Indonesia Commerce.net

www.commerce.net.id

CIPAS Internet Payment Acquiring Softwarewww.cipas.com

Page 12: Electronic Payment Systems

CIPAS

Page 13: Electronic Payment Systems

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

Page 14: Electronic Payment Systems

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)

Page 15: Electronic Payment Systems

Keamanan (security) [2] PKI membutuhkan Certification

Authority (CA) Umumnya pengamanan di network

menggunakan SSL Panjang kunci yang rendah

mengakibatkan rentannya pengamanan

Page 16: Electronic Payment Systems

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

Page 17: Electronic Payment Systems

Resources http://www.onlinecheck.com/ Micropayment evaluation:

http://www.hpl.hp.com/techreports/97/HPL-97-14.html

http://www.w3.org/ECommerce/Micropayments/