電子貨幣概論ppt課件-wenkub
2023-01-30 04:38:40 本頁面
【正文】 ”，并吸收中小銀行參加聯(lián)營，發(fā)展成為今天的 Visa集團。 我國首張銀行信用卡是 1985年出現(xiàn)的珠江卡（中國銀行珠江分行發(fā)行）。 1996年亞特蘭大奧運會舉辦，由三家美國銀行(First Union， Nations Bank and Wachovia)以及Visa信用卡組建的聯(lián)合體在亞特蘭大組建了一個完善的系統(tǒng)，并給運動員們每人一張智能卡，作為他們的 “電子錢包 ”。 1．電腦及電腦網(wǎng)絡(luò)的運用161。 二、歐洲央行（ ECB）161。 電子貨幣? 在零售支付機制中，通過銷售終端、各類電子設(shè)備，以及在公開網(wǎng)絡(luò)，如 Inter上執(zhí)行支付的 “儲值 ”產(chǎn)品和預付機制。 Electronic banking refers to the provision of retail and small value banking products and services through electronic channels. Such products and services can include deposittaking, lending, account management, the provision of financial advice, electronic bill payment, and the provision of other electronic payment products and services such as electronic money (defined separately, below).161。 * Several official bodies have each issued their own definition of electronic money. As pointed out in a recent Group of Ten report on electronic money, a precise definition of electronic money is difficult to provide, in part because technological innovations continue to blur distinctions between forms of prepaid electronic mechanisms. (See Electronic Money: Consumer protection, law enforcement, supervisory and crossborder issues, Group of Ten, April 1997, for a list of such studies.) The current document draws from both the Group of Ten report and Security of Electronic Money, Bank for International Settlements, August 1996, in establishing a definition of electronic money. The latter report explains distinctions in the technical representation of money on storedvalue products. In particular, balancedbased products are devices which manipulate a numeric ledger, such that transactions are performed as debits or credits to a balance。 ”161。161。三、日本 ECOM161。 There are two types of electronic money.? One is the closed loop type of electronic money, which is returned to the issuing institution (that is, converted into a deposit) each time it is used. The other is the open loop type, which has transferability like bank notes and coins. Most of the electronic money issued today is of the closed loop type. The only open loop type of electronic money in practical use now is Mondex money. ? By medium, electronic money can be classified into the IC card type and the work type (software type). ? 資料來源：htm四、國內(nèi)學者的定義161。同時，儲值卡在客戶消費時以扣減方式支付費用，也就相當于存款帳戶支付貨幣。161。? 該類電子貨幣具備現(xiàn)金的匿名性，可用于個人間支付、并可多次轉(zhuǎn)手等特性，是以代替實體現(xiàn)金為目的而開發(fā)的。第三節(jié) 電子貨幣產(chǎn)品161。 四、電子貨幣與結(jié)算卡（借記卡、信用卡）的區(qū)別一、電子貨幣產(chǎn)品分類161。161。 如電話 IC卡、交通 IC卡、加油 IC卡；? 多用途電子貨幣161。 “認證 ”指電子貨幣的持有者在使用電子貨幣時需要對其進行確認，個人資料被發(fā)行者保存在數(shù)據(jù)庫中，交易可以被追蹤；161。 Ecash161。 電子現(xiàn)金（ ECash）又稱為數(shù)字現(xiàn)金，是一種以數(shù)據(jù)形式流通的貨幣，它把現(xiàn)金數(shù)值轉(zhuǎn)換成一系列的加密數(shù)據(jù)序列，通過這些序列數(shù)來表示現(xiàn)實中各種交易金額的幣值。 在用戶之間任意轉(zhuǎn)讓，且不能被跟蹤；? 獨立性161。 不容被復制或篡改；? 不可重復花費，只能使用一次。 ECash is a puter g
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