電子支票應用運作機制

Abstract

網路時代之電子商務線上交易頻繁，各式連線支付工具應運而生，其中，以連線傳送信用卡號碼進行支付，此為網路消費最普遍的付款方式，但卻不見得是最安全的方式，因此電子支票在近年來也逐漸發展，考慮交易成本、有效性、安全性、風險容忍程度，且紙張支票在現今的環境中產生不少問題，於是行政院在民國九十年一月初舉行的知識經濟發展會議中，正式將支票無實體化列為經建計畫的列管項目，並決議交由中央銀行執行「發展電子支票計畫」，中央銀行則責由台灣票據交換所配合規劃，於九十二年一月正式完成國內之電子支票系統。 為因應國內電子支票系統已應運而生，但是企業端之財會系統、銀行與電子支票系統間的線上支付流程卻尚未整合，電子商務交易之金流作業所需花費的時間仍維持不變，這顯示e化金融流程仍有相當大改善的空間，故本研究旨在提出一套電子支票應用之運作機制，作為電子支票支付整合之解決方案，可應用於企業付款之財會流程中，使電子商務之金流與企業作業流程得以適切地整合銜接，期能降低交易時之作業成本，增加金流處理速度及正確性。 研究中介紹電子支票系統之設計理念及有別於傳統紙張支票之附加功能，並設計一完整之支付流程，包含企業、電子支票系統及支付整合系統之系統規劃，其中，企業系統端主要以保險公司之理賠支付作為背景，由保戶向保險公司申請理賠，保險公司並以電子支票理賠支付之案例，說明電子支票應用整合後之流程，藉此一完整流程展示電子支票應用運作機制之可行性。 電子支票之使用方式完全承襲傳統的商業習慣，可兼具信用及支付功能，流通過程也與紙張支票相同，唯作業快速、安全性高，在經過應用流程之整合後，希冀可為企業及個人帶來便利及效益。

Following the footsteps into the Digital Millennium, e-business transactions and corresponding online payment technologies of various sorts begin sprawling. Of all, the utilization of credit card payments is among the most popular payment methods regardless of the imperfect security. Thus, electronic checks are brought forth in growth under this very particular reason over the years. In response to the lack of online e-check processing coordination between the many parties in play, this research offers an e-checking payment processing solution on the application of electronic checks. The solution is designed to refine the rough edges in e-check processing for e-business and routine corporate operations and is expected to make way for a cost-lowering, accuracy-increasing payment processing in a time-saving fashion. This research introduces the concepts of an electronic checking system design and explores the possible features in addition to the conventional paperback checks. In detail, we delve into a complete payment processing design and provide explanation of a coordinated e-checking application, in an attempt to display the full potentials of an e-checking application system that is convenient and beneficial not only to the corporate business but also the individual.