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金融系统无线POS集中接入方案 总被引:1,自引:0,他引:1
无线POS通过GPRS/CDMA 1X无线通信手段,极大地方便了持卡人,改善了持卡环境,有力地推动了银行卡业务的发展.本文概述了无线POS系统在金融系统使用的设计思路和方案,展望了无线POS应用的发展方向. 相似文献
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前言 随着城市信息化进程的加快,刷卡消费环境日益完善,市民刷卡消费的习惯逐渐养成,银行卡刷卡消费比例的高低已经成为城市文明和现代化程度的一个标志。信用卡、POS机和信息技术的大规模使用,给商户和广大用户都带来了电子货币消费的便利性,但目前在全国各大商场和超市内随处可见的POS机,大多数是通过电话线联结形式进行通信,移动性差,不灵活,限制了某些领域刷卡消费业务的发展。于是,CDPD无线POS应运而生。 相似文献
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近年来,随着银行卡业务的迅速发展,在刷卡消费日益成为方便服务普通百姓的重要支付手段的同时,也为商家降低了现金收付、保管的成本与风险,但部分超市存在POS机刷卡设定最低消费额现象,当引起金融监管部门关注。 相似文献
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演讲纲要:太极公司及金融事业本部介绍;支付类平台的应用及现状分析;广东省农信支付结算系统介绍;未来支付平台在金融行业的发展趋势。 相似文献
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第三方付费在人身保险业务中已成为一种行业做法,本文试从第三方付费的定义及其范围入手,分析其成因、法律行为的性质、后果,并探讨了法律对第三方付费的禁止或限制性的规定及其适用性。 相似文献
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Tobias Trütsch 《Financial Markets and Portfolio Management》2016,30(3):299-336
This paper investigates the effect of mobile payment on the adoption and use of traditional payment instruments such as cash, checks, and credit, debit and prepaid cards at the point of sale (POS). Data are from a 2012 representative survey on consumer payment choice in the United States. Using discrete-choice random utility models to simulate consumer behavior, the estimation provides two major findings. First, mobile payment does not replace physical payment cards, but is likely to substitute for paper-based payment methods such as cash and checks at the adoption stage. Second, mobile payment does not statistically significantly influence the choice of payment means at the POS in terms of usage. However, there is suggestive evidence that it is complementary to card payments and a substitute for paper-based payment instruments. The findings highlight the potential social welfare gains of mobile payment and provide key insights into challenging issues for the private industry sector. This paper furthermore offers novel evidence on the impact of mobile payment on the use and adoption of existing payment instruments and contributes to the literature on consumer payment choice. 相似文献
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手机支付:电子支付的新宠 总被引:1,自引:0,他引:1
随着信息技术的飞速发展,计算机技术和通信技术已经实现了长足的发展。特别是无线通信技术与计算机技术的日益融合,使人们感受到电脑越来越"小"了, 相似文献
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我国商业保险公司由于出租车行业风险高而不愿承保其风险,而出租车行业因为商业车险的费率高、理赔慢等原因不愿投保,造成了出租车行业风险管理的空白。本文基于北京市出租车行业的风险管理与保险问卷调查,分析了北京市出租车行业的发展现状及存在的问题,探讨了我国出租车行业建立专属保险制度的必要性及可行性。 相似文献
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Anna Brink Katarina Nordblom Roger Wahlberg 《International Tax and Public Finance》2007,14(4):457-480
The effects of a recent Swedish child-care fee reform are compared with those of an alternative reform, increased child benefits.
The fee reform implied considerably decreased fees and was intended to increase both labor supply among parents and their
economic well-being. We estimate labor supply effects using a discrete choice labor supply model, and simulate behavioral
responses to the changes. We find positive, but small, effects on labor supply from reduced fees, while increased child benefits
would make single mothers decrease their labor supply. On the other hand, increased child benefits would make income distribution
more equal. We make a social welfare comparison and conclude that for plausible values of inequality aversion, the alternative
reform would have been preferred to the implemented fee reform.
The views expressed in the paper do not necessarily reflect those of the Swedish Ministry of Finance. 相似文献
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现代化支付系统建成而电子联行停止运行后,我国金融业的清算结构发生了革命性的变化。其中之一是,新的支付系统设置了清算窗口时间,便于清算账户余额不足的直接参与者筹措资金。清算窗口时间是支付系统为直接参与者提供的流动性管理手段之一,是大额支付系统在日终处理前为清算账户余额不足的直接参与者预留一段时间筹措资金的业务状态。 相似文献
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Giuliano Iannotta 《Journal of Banking & Finance》2012,36(3):846-856
In this paper, we empirically analyze the factors affecting the cross section of mutual fund fee dispersion. In the context of equity mutual funds, fee dispersion stems primarily from the heterogeneity of products, clienteles and production functions. However, the relevant theory predicts that search costs can also generate fee dispersion. By controlling for observable sources of heterogeneity, we find that fee dispersion decreases with fund size and age, as well as with the amount of assets under management of the investment company. In addition, we find lower levels of fee dispersion for funds that charge marketing and distribution fees. Although we cannot rule out the possibility that these factors are a proxy for some unobserved source of heterogeneity, our results are also consistent with the theoretical prediction that search costs positively affect fee dispersion. 相似文献