결제&빌링

Hagi 2012. 2. 24. 11:45

(출처 : http://en.wikipedia.org/wiki/E-commerce_payment_system)

E-commerce payment system

An e-commerce payment system facilitates the acceptance of electronic payment for online transactions.

전자 지불 시스템은 온라인 거래의 전자 지불을 가능하게 하였다.

Also known as a sample of Electronic Data Interchange (EDI), e-commerce payment systems have become increasingly popular due to the widespread use of the internet-based shopping and banking.
또한 전자 자료 교환의 하나의 예로 잘 알려진 이것은 인터넷 기반의 쇼핑과 뱅킹의 광범위한 사용으로 인해 점점 더 인기가 많아지고 있다. 
There are numerous different payments systems available for online merchants.

온라인 상인들을 위한 수 많은 유용한 결제 시스템이 있다. 

These include the traditional credit, debit and charge card but also new technologies such as digital wallets, e-cash, mobile payment and e-checks.

이것에는 전통적인 신용카드, 직불카드, 충전식 카드 그리고 전자지갑, 전자현금, 휴대폰결제, 전자수표와 같은 신기술이 있다. 

Another form of payment system is allowing a 3rd party to complete the online transaction for you.

다른 형태의 결제 시스템은 판매자나 구매자가 아닌 다른 업체의 온라인 거래를 가능하게 할 것이다. 

These companies are called Payment Service Providers (PSP).
이 업체를 '결제 서비스 제공사'라고 부른다. 


1. Credit Cards and Smart Cards  


Over the years, credit cards have become one of the most common forms of payment for e-

수년간, 신용카드는 전자 상거래의 가장 일반적인 한 형태가 되었다. 

commerce transactions. In North America almost 90% of online B2C transactions were made with this

북아메리카의 거의 90%의 기업대 소비자간 거래가 이 형태로 이루어졌다. 

payment type [1]. Turban et al. goes on to explain that it would be difficult for an online retailer to

Turban 등은 신용카드, 직불카드가 널리 보급되어, 이것의 지원없이는 온라인 사업 운영하기 힘들다고 말한다. 

operate without supporting credit and debit cards due to their widespread use. Increased security measures include use of the card verification number (CVN) which detects fraud by comparing the verification number printed on the signature strip on the back of the card with the information on file

향상된 보안 조치에는 카드 발행 은행의 파일 정보와 카드의 뒤 서명란에 적혀있는 검증 번호를 비교하여 사기 범죄를 발견할 수 있는 CVN이 있다. 

with the cardholder's issuing bank [2]. Also online merchants have to comply with stringent rules 

stipulated by the credit and debit card issuers (Visa and MasterCard)[3] this means that merchants must have security protocol and procedures in place to ensure transactions are more secure. This

또한 온라인 사업자들은 Visa나 Master와 같은 카드 발행사에서 정한 규칙을 엄격히 준수해야하는데, 이것은 이들이 거래를 더욱 안전하게 하기 위한 적절한 보안 규약과 절차가 있어야 한다는 것이다. 

can also include having a certificate from an authorized certification authority (CA) who provides PKI infrastructure for securing credit and debit card transactions.
또한 신용,직불 카드 거래를 위한 PKI 구조를 제공하는 인증기관의 인증서 보유도 있다. 


Despite this widespread use in North America, there are still a large number of countries such as

이것이 북미에서는 많이 사용되고 있으나, 중국,인도, 파키스탄 같은 수 많은 나라에서는 신용 카드 보안 등 해결해야 할 문제가 있다. 

China, India and Pakistan that have some problems to overcome in regard to credit card security. In

the meantime, the use of smartcards has become extremely popular. A Smartcard is similar to a

어느 새, 스마트카드의 사용이 매우 대중화되었다. 

credit card; however it contains an embedded 8-bit microprocessor and uses electronic cash which

스마트카드는 신용카드와 비슷하지만, 8비트 마이크로프로세서를 내장하고 있고, 소비자의 카드에서 판매자의 장비로 전송되는 전자 화폐를 사용한다. 

transfers from the consumers’ card to the sellers’ device. A popular smartcard initiative is the VISA

비자 스마트카드가 가장 인기있는 스마트카드 중 하나다. 

Smartcard. Using the VISA Smartcard you can transfer electronic cash to your card from your bank account, and you can then use your card at various retailers and on the internet.
비자 스마트카드를 사용하여 계좌에서 카드로 전자화폐를 옮길 수 있고, 인터넷 상의 여러 쇼핑몰에서 결제할 수 있다. 
There are companies that enable financial transactions to transpire over the internet, such as PayPal.

페이팔과 같이 인터넷으로 금융거래가 가능할 수 있게 하는 여러 회사들이 있다.  

Many of the mediaries permit consumers to establish an account quickly, and to transfer funds into

their on-line accounts from a traditional bank account (typically via ACH transactions), and vice

많은 중개기관이 소비자의 신원 증명과 은행 등에 접속 권한 확인 후,  소비자가 빠르게 계좌 개설하는 것, 은행 계좌에서 온라인 계좌로 자금을 보내는 것(보통 ACH 거래) 또는 그 반대의 것을 허락할 것이다. 

versa, after verification of the consumer's identity and authority to access such bank accounts. Also, the larger mediaries further allow transactions to and from credit card accounts, although such credit

또한 이러한 카드 거래가 대게 수수료가 있음에도 불구하고, 더 많은 중개 기관이 신용 카드 계좌에서 출납을 허용할 것이다.

card transactions are usually assessed a fee (either to the recipient or the sender) to recoup the transaction fees charged to the mediary.

The speed and simplicity with which cyber-mediary accounts can be established and used have

남용의 위험, 절도 등의 문제에도 불구하고, 사이버 중개 계좌의 속도와 간편함은 스마트 카드 보급을 확고히 할 수 있다.

contributed to their widespread use, although the risk of abuse, theft and other problems—with disgruntled users frequently accusing the mediaries themselves of wrongful behavior—is associated with them.

2. Electronic Bill Presentment and Payment  2. 전자요금 고지 및 지불(EBPP)

Electronic bill presentment and payment (EBPP) is a fairly new technique that allows consumers to

전자요금 고지 및 지불(이하 EBPP라고 함)은 소비자가 전자상으로 청구서를 보고 지불할 수 있는 새로운 기술이다.

view and pay bills electronically. There are a significant number of bills that consumers pay on a

전기나 수도 요금, 난방비, 통신료, 대출금, 자동차 할부금 등 소비자가 정기적으로 돈을 내야할 중요한 청구서가 있다.

regular basis, which include: power bills, water, oil, internet, phone service, mortgages, car payments etc. EBPP systems send bills from service providers to individual consumers via the

EBPP 시스템은 인터넷으로 서비스 제공사의 청구서를 각 개개인의 소비자에게 보낸다.

internet. The systems also enable payments to be made by consumers, given that the amount

이 시스템은 또한 소비자에 의해 작성된 e청구서 결제가 가능하다.

appearing on the e-bill is correct. The original EBPP method is a direct withdrawal from a bank

본래의 EBPP 방법은 스코티 은행과 같은 은행 계좌에서 직접  인출한다.

account through a bank such as Scotiabank. Other service providers such as Rogers

로저 커뮤니캐이션과 알리안트 어디셔널리와 같은 다른 서비스 제공사는 웹 페이지의 청구서 결제 부분에 대형 신용카드사를 받았다.

Communications and Aliant additionally, accept major credit cards within the bill payment sections of their websites. Telpay Incrporated offfers "Telpay for Business", a software application that allows

텔페이 주시회사는 Telpay for Business라는 전자 발행 청구서,전자지불 사용이 가능하고, 감사의 목적으로 이미지 저장이 가능 소프트웨어를 제공한다..

businesses to import electronically presented bills, pay them and store the presented image for audit purposes.

The biggest difference between EBPP systems and the traditional method of bill payment, is that of

EBPP 시스템과 기존 청구서 결제의 가장 큰 차이점은 기술이다.  

technology. Rather than receiving a bill through the mail, writing out and sending a cheque,

우편으로 모든 청구서를 받아 수표를 작성하여 보내는 것이 아니라 이메일로 청구서를 받거나 그것을 볼 수 있는 웹사이트를 링크해 줍니다. 

consumers receive their bills in an email, or are prompted to visit a website to view and pay their bills.

Three broad models of EBPP have emerged. These are:

3가지 일반적은 EBPP 모델이 나왔습니다. 그것은 아래와 같습니다.
Consolidation, where numerous bills for any one recipient are made available at one Web site, most

통, 수 많은 청구서가 하나로 한 웹사이트에서 가능해집니다. 가장 일반적인 것으로는 은행 영수증이 있죠. 

commonly the recipient's bank. In some countries, such as Australia, New Zealand and Canada, the

호주, 뉴질랜드나 캐나다 같은 여러 나라에서는 우편 통합 서비스를 운영합니다.

postal service also operates a consolidation service. The actual task of consolidation is sometimes

때때로  통합의 실제 작업은 소비자가 영수증을 받는 웹 사이트로 이해관계자가 아닌 다른 기관이나 정부에 의해 이루어집니다. 

performed by a third party and fed to the Web sites where consumers receive the bills. The principal

통합의 근본적인 매력은 사용자가 수 많은 청구서를 한 곳에서 받을 수 있고, 최소의 ID와 비밀번호로 관리할 수 있다.

attraction of consolidation is that consumers can receive and pay numerous bills at the one location, thus minimizing the number of login IDs and passwords they must remember and maintain.
Biller Direct, where the bills produced by an organization are made available through that

빌러 다이렉트.기관에 의해 발행된 청구서는 그 기관의 웹 사이트에서 가능해진다.

organization's Web site. This model works well if the recipient has reasons to visit the biller's Web


site other than to receive their bills. In the freight industry, for example, customers will visit a carrier's Web site to track items in transit, so it is reasonably convenient to receive and pay freight bills at the same site.
Direct email delivery, where the bills are emailed to the customer's inbox. This model most closely imitates the analog postal service. It is convenient, because almost everyone has email and the customer has to do nothing except use email in order to receive a bill. Email delivery is proving especially popular in the B2B market in many countries.

Major providers of outsourced bill production services have developed facilities to process bills through consolidation, biller direct and email delivery services, thus enabling major billers to have all their bills, paper and electronic, processed through the one service. Niche service providers in many countries provide one or two of these models, but generally do not integrate with paper bill production.


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*  써드파티 : 판매자와 구매자 이외의 관계에 있는 회사 ( 참고 :  http://jangmabi.egloos.com/183089 )