Bariery implementacyjne systemu płatności GeldKarte w Niemczech

• Autorzy: Krzysztof Woda

Warianty tytułu

Implementation Barrieres of German Payment System GeldKarte

• Języki publikacji: PL

Abstrakty

System GeldKarte, jako systemem płatności za pomocą karat mikroprocesorowych typu prepaid, został opracowany przez Centralną Komisję Kredytową (Zentraler Kreditausschuss-ZKA), w celu wypracowania i wdrożenia jednolitych standardów w obszrze systemów płatniczych i bankowości elektronicznej w Niemczech. Autor scharakteryzował system GeldKarte na tle innych niemieckich systemów płatniczych i omówił powstałe bariery akceptacji systemu przez klienta indywidualnego i przedstawiciela strefy handlu i usług, określił także rolę instytucji bankowych w propagowaniu systemu GeldKarte.

EN

Electronic money is defined as an electronic store of monetary values that may be widely used for making payments without involving bank accounts but acting as a prepaid bearer instrument. Current e-money products may be classified as card-based (hardware) or network-based (software). The multipurpose prepaid chip cards (such as e.g. German electronic purse GeldKarte) have a great potential to be used for small-value retail payments as well as for Internet payments (by embedding a special reader in the PC). Nowadays, the main problem of electreonic money lies in missing acceptance by a large number of merchants and institutions. The willingness of merchants to accept electronic money depends on fees imposed by issuer and operators, hardware costs and the reduction of costs of handling money in comparison to traditional paper-based money. The customers do not dispose of acurate information about the functionality of the system, the charges generated by transactions and about location of loading and payment terminals. The attractiveness of the card could be increased to the clients through the integration of additional functions, such as e.g. electronic ticketing, telephone card, multicurrency purse and identification card. The issuer (banks) achieve transaction fees from merchants (as the percentage of turnover) and (float) interest income for equivalent value saved in the interest-free electronic purse and therby they should provide more active policy to subsidize terminals or to guarantee a minimal interest rate for private users. In March 1999, Common Electronic Purse Specifications were pubished to achieve interoperability for electronic purse programmes. CEPS require compatibility with the EMV specifications for smart cards and define the requirements for load transactions, the terminal application for POS, the card-to-card terminal interface, data elements and cryptography. The adoption of CEPS for GeldKarte will prepare the system for

Słowa kluczowe

PL

System bankowy; Bankowość elektroniczna; Pieniądz elektroniczny; Elektroniczna portmonetka; Karty płatnicze; Przegląd literatury; Materiały konferencyjne

EN

Banking system; E-banking; Electronic money; Electronic purse; Payment cards; Literature review; Conference materials

• Czasopismo: Prace Naukowe Akademii Ekonomicznej we Wrocławiu
• Rocznik: 2000
• Numer: nr 855
• Strony: 274--287

Twórcy

autor

Krzysztof Woda