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1、Online Banking and E-payment E-payment System and Online Banking1.The concept of e-payment system2.China National Advanced Payment System-CNAPS3.International e-payment system4.China Financial Certification Authority-CFCA 5.The concept of online banking6.The business of online banking 7.The operatio
2、n mode of online bankingE-payment system refers to a payment system that consumers,merchants,and financial institutions use e-payment methods to securely transmit payment information to banks or corresponding processing agencies through the network to realize payment and transactions.1 1The concept
3、of E-Payment SystemInternet：payment system among financial institutions,merchants and consumersExtranet：payment system among financial institutionsIntranet：payment system inside the bankChina National Advanced Payment System(CNAPS）is constructed by the Peoples Bank of China for its payment and settl
4、ement needs in China.It can effectively and safely handle various payment businesses in different places and cities,and deal with capital settlement and money market transactions among these banks.2 2China National Advanced Payment System(1)The concept of China National Advanced Payment System China
5、 National Advanced Payment System(CNAPS)BEPSBatch E-Payment SystemHVPSHigh Value Payment SystemSAPSSettlement Account Payment SystemPMISPayment Information Management System(2)The composition of CNAPS 2 2China National Advanced Payment System Society for Worldwide Interbank Financial Telecommunicati
6、ons(SWIFT)is member-owned cooperative that provides safe and secure financial transactions for its members.l Established in 1973,SWIFT uses a standardized proprietary communications platform to facilitate the transmission of information about financial transactions.l Financial institutions securely
7、exchange this information,including payment instructions,among themselves.3 3International e-payment system(1)(1)Society for Worldwide Interbank Financial Telecommunications3.International e-payment system The Clearing House Interbank Payment System(CHIPS)is mainly attended by member banks,non-membe
8、r banks,banks in other parts of the United States,and foreign banks of the New York Exchange.New York is the place where funds are settled to complete the fund allocation process.(2)Clearing House Interbank Payment System 3.International e-payment system(3)International e-payment in cooperation betw
9、een CHIPS and SWIFTBank Xoutside the USBank A in New YorkBank B in New YorkBank Youtside the USSWIFTCHIPSSWIFTThe China Financial Certification-Authority(CFCA)is a state-level authoritative financial certification institution.It is led by the Peoples Bank of China and jointly established by 14 natio
10、nal commercial banks including ICBC,ABC,BOC,CCB and BCC on Sep.5,2003.Now it is the only third-party online authentication service with the participation of all banks.It can fully support the secure payment business of e-commerce in China.4.China Financial Certification AuthorityOnline banking,also
11、known as internet banking or electronic banking,etc.,refers to the financial services and products provided by banks to customers relying on information technology and the Internet,including credit services,financial management services,payment and settlement of e-money such as credit cards and elec
12、tronic checks,etc.(1)The concept of online banking5.Overview of online banking5.Overview of online bankingl Service is not limited by time and place.p 24/7 servicesp Across regions and bordersl The operating cost is greatly reduced.(2)Advantages of online banking Bank service meansCost per transacti
13、on completed by the bank/USDBranch bank1.07Telephone bank0.54ATM0.27Online banking0.016.The business of online banking l Personal information maintenancel Accounts queryl Self-service transferl Online payment and settlementl Foreign Exchange and Paymentl Self-service loansl Securities and foreign ex
14、change servicesl Bank information inquiryl Financial information inquiryl Online financial services(1)Personal online bankingl Accounts inquiryl Internal transferl Online payment and settlementl Salary paymentl Bank information inquiryl Financial information inquiryl Financial Management of Group Co
15、mpanies and Subsidiariesl Credit Management of Group Departmentsl revenue and expenditure management of group fundsl Online credit businessl Online financial management business(2)Corporate online banking6.The business of online banking(1)Pure online bankingPure online banking refers to an independe
16、nt financial institution that has no entity branch and makes full use of the network for financial services.(2)Network branchNetwork branch is an extension of the traditional banks online business,and the purpose is to expand the customer base,business types and processing channels.7.The operation mode of online bankingOnline Banking and E-payment E-payment System and Online Banking