1 2002 2002 12 14-15 E-mail: wachang@mx.nthu.edu.tw
2 1 1
3 IT (1) 1990 3-5 You can use your payment card to pay for your purchases at 4 million merchant locations in the United States and another 11 million merchant locations in other countries around the world. You can pay by presenting the card to the merchant, by reading the account number and other information over the phone, by writing that same information out for mail orders, or by sending information electronically to the merchant via Internet. 2 1960 Now think about what happens after you present your card to a merchant. The merchant probably swipes the card through an electronic terminal near 2 Evans, David S. and Richard Schmalensee 2000 Paying with Plastic: The Digital Revolution in Buying and Borrowing. p.1. Massachusetts: The MIT Press.
4 the cash register. Within seconds, the terminal connects to a computer miles away and verifies the willingness of the entity that issued your card to pay for your purchase. 3 (network joint MasterCard venture) The MasterCard joint venture involves cooperation among thousands of financial institutions. Each member issues payment cards, signs up merchants, or does both. The MasterCard joint venture is a network because each member of joint venture must be able to conduct transactions with each and every other member of the joint venture. The member that issued your MasterCard has to reimburse the member that signed up the merchant whom you paid with your MasterCard. 4 98% 2% The remaining 2 percent difference is called the merchant discount, which is the fee paid to the acquirer for providing its services. The acquirer, in turn, pays about 1.4 percent of purchase amount to issuer, in this case MBNA. That 1.4 percent is called the interchange fee and is set by VISA; MasterCard has the similar fee. Neither American Express nor Discover need to set interchange fee, because they are both the issuer and acquirer on all transactions and keep the entire merchant discount. 5 3 p.3. 4 5 2 p..9.
5 2 6 2002 3 29 4295 241432.5% 32.1% 192 146 7719 7.2% 0.7 12.7% 2272 14.0% 2599 26.4% 462 32.6% 2002 11 9 5235 2927 45 ( ) 8 (2002 ) 2002 10 110 3000 3% 10 10 63% 10 5086 9 7 6 http://money.chinatimes.com/invest/news/m91a3102.htm 7 http://news.pchome.com.tw/finance/cna/20020329/index-20020329153556010170.html 8 http://news.pchome.com.tw/finance/gnd-ent/20021109/index-20021109010618387356.html 9 http://news.pchome.com.tw/finance/udn/20021128/index-20021128012950090979.html
6 1986 电 10 银 36发 银场 长 数 3127过 张 2 张银 数 11 12 1991 8 1 张 诞 银 11 来 10 发 银 仅 发 16 个 断渗 们 个层 业单过银 会电话 电 费 证 发资业务 满 们进 时 专预时 时 间 间 张 证 会遥远 13 2002 10 类银 发 总 4 亿张 14 过 15 16 10 http://finance.eastday.com/epublish/gb/paper249/20719/class024900003/hwz881493.htm (2003/11/3) 11 http://finance.eastday.com/epublish/gb/paper249/20719/class024900005/hwz881184.htm (2002/11/3) 12 M. Castells 1996 The Rise of the Network Society. Ch.6ff. 13 http://www.ah.xinhua.org/xinwen/200210/shch/132.htm (2002/11/3) 14 http://finance.eastday.com/epublish/gb/paper249/20719/class024900005/hwz881408.htm (2002/11/3) 15 http://finance.eastday.com/epublish/gb/paper249/20719/class024900003/hwz881493.htm (2002/11/3) 16 http://finance.eastday.com/epublish/gb/paper93/20021102/class009300001/hwz892300.htm (2002/11/3)
7 (3) 2002 11 18-23 17 银 25 56 18 国设银 东龙贷记为 银 记账 为 20 还 15 为说 8 20 9 15 为 25 8 21 55 19 长 17 http://news.pchome.com.tw/finance/ftv/20021103/index-20021103001005030101.html (2002/11/3) http://www.peopledaily.com.cn/gb/shizheng/18/20/20021102/856848.html (2002/11/3) 18 http://finance.eastday.com/epublish/gb/paper249/20719/class024900007/hwz881366.htm (2002/11/3) 19 http://finance.eastday.com/epublish/gb/paper249/20719/class024900007/hwz881371.htm (2002/11/3)
8 20% 5 2775 4900 20 20% 21 22 A 10 5 5 23 11 12 20 2002.07.15 21 http://www.ettoday.com/2002/10/08/184-1360787.htm 22 2002.11.14 23 http://www.ettoday.com/2002/11/02/184-1371001.htm (2002/11/3)
9 2500 24 ATM 10000 1.6 25 34 25 2000 12 26 27 28 4000 2000 30 24 2002.11.14 25 http://www.tssdnews.com.tw/daily/2002/10/17/text/911017d5.htm 26 http://andywant.chinatimes.com.tw/scripts/chinatimes/iscstext.exe?db=chinatimes&function=listdoc&from=1&single=1 (2002-12-09) 27 http://www.chinanews.com.cn/2002-11-04/26/239723.html (2002-11-04) 28 (2002-11-02)
10 8800 4.1 30 31 ID theft Teledata Communications 32 29 29 30 http://news.sina.com.tw/newscenter/china/appledaily/2002/1127/5597798.html 31 http://www.cts.com.tw/news/headlines/news20021007n27.htm 32 http://news.sina.com.tw/newscenter/china/appledaily/2002/1127/5597798.html ttp://www4.chinesenewsnet.com/cgi-bin/newsfetch.cgi?unidoc=big5&src=socdigest/economy/cna-247474.html TeledataCommunications Equifax Experian TransUnion 2000 20 60
11 33 [ ] 34 [ ] 35 2000 36 37 33 http://news.sina.com.tw/newscenter/china/appledaily/2002/1127/5597796.html 34 http://news.sina.com.tw/newscenter/china/appledaily/2002/1127/5597797.html 35 http://news.yam.com/cna/news/news/200210/200210081730269.html 36 http://www4.chinesenewsnet.com/cgi-bin/newsfetch.cgi?unidoc=big5&src=sinonews/taiwan/cna-248423.html 37 http://yam.chinatimes.com/ctnews/national/news/200211/n91b28101517362.html
12 ( ) 2002 11 38 21 500 1 5000 40 41 络购 单络 诈 ClearCommerce 为 调 20% 着诈为实 亚 国络购 领络购变 誉扫 经将 们绝 单 发货来 订单 42 39 38 http://www.cts.com.tw/news/headlines/news20021121n28.htm 39 http://www.ettoday.com.tw/2002/11/21/91-1378542.htm 40 http://news.chinatimes.com.tw/chinatimes/newslist/newslist-content/0,3546,110503+112002101600048,00.html 41 http://www.ettoday.com/2002/10/30/139-1370004.htm 42 http://news.eastday.com/epublish/gb/paper148/20021006/class014800021/hwz787264.htm (2002/11/3)
13 50 50 42 43 (1) 44 Experian 400 72% 40% 25% 14% 45 43 http://news.chinatimes.com.tw/chinatimes/newslist/newslist-content/0,3546,120504+122002112700315,00.html 44 http://tw.news.yahoo.com/2002/11/17/finance/ftv/3653208.html 45 http://news.sina.com.tw/newscenter/global/mingpao/2002/1127/5598022.html
14 (2) 46 47 决 资关 绍 档 点将 7 间赖账 办贷 赁 济 为 将 响 48 49 CSC/Equifax Experian Credit bureau 46 http://news.chinatimes.com.tw/chinatimes/newslist/newslist-content/0,3546,120501+122002102400319,00.html 47 http://tw.news.yahoo.com/2002/11/28/society/cna/3674553.html 48 http://news.homeway.com.cn/lbi-html/news/cjxw/tzyxf/20021022/381521.shtml (2002/11/3) 49 http://news.pchome.com.tw/finance/udn/20021003/index-20021003015750015942.html
15 50 Jupiter Research Jupiter 51 2006 IC 52 53 IC IC 50 Target letter. 51 http://news.chinatimes.com/chinatimes/newslist/newslist-content/0,3546,12050903+122002102200414,00.html (2002-10-22) 52 http://money.chinatimes.com/news/focus/m91b2901.htm (2002-11-29) 53 http://news.chinatimes.com.tw/chinatimes/newslist/newslist-content/0,3546,120501+122002102400319,00.html, 0.04
16 [ ] 54 55 56 54 http://yam.chinatimes.com/ctnews/politics/news/200210/n91a22201456161.html (2002-10-22) 55 Garfinfel, Simson 2001 DatabaseNation. Beihing: O Reilly. 56 http://news.pchome.com.tw/finance/cts/20021202/index-20021202124009353908.htm
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