| 基于银行卡个人支付手段与支付模式的研究 |
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| 引用本文： | 朱春临.基于银行卡个人支付手段与支付模式的研究[J].上海管理科学,2007,29(4):28-31. |
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| 作者姓名： | 朱春临 |
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| 作者单位： | 复旦大学经济学院 |
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| 摘 要： | 本文通过分析基于银行卡个人支付手段的交易流程,指出基于POS、ATM传统机具的支付模式存在较大的金融信用风险,并存在资源稀缺性的缺陷;而基于移动终端或电话终端的支付模式比基于POS、ATM的支付更具有可普及性,且金融风险得到了降低;随着生物识别技术的发展,基于生物识别的支付模式可能是未来的一个发展方向。生物识别具有唯一性,在这种模式下,金融风险会得到最大限度的降低。
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| 关 键 词： | 个人支付手段 金融风险 近距离非接触式支付方式 基于生物识别的支付模式 |
A Study on Bank Card Payment Methods for Individuals |
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| Zhu Chunlin.A Study on Bank Card Payment Methods for Individuals[J].Shanghai Managent Science,2007,29(4):28-31. |
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| Authors: | Zhu Chunlin |
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| Institution: | Zhu Chunlin |
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| Abstract: | Through analyzing the transaction process of bank card payment for individuals,the article points out that POS and ATM payments exist certain financial credit risks and the resources of POS and ATM are of absence; Mobile payments are easier to become prevalent than POS and ATM and financial risks are lowered;Following the de- velopment of Biometric Identification Technology,payment based on Biometric Identification Technology will become more and more attractive.Security will be assured for pay- ment based on Biometric Identification Technology. |
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| Keywords: | Individual Payment Financial Risks Pay ment based on Near Field Communication Payment based on Biometric Identification Technology |
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