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Online Banking ePayments (OBeP) is a type of payments network, developed by the banking industry in conjunction with technology providers, specifically designed to address the unique requirements of payments made via the Internet.〔(International Council of Payment Network Operators )〕 Key aspects of OBeP which distinguish it from other online payments systems are: # The consumer is authenticated in real-time by the consumer financial institution’s online banking infrastructure.〔(Payments News. Scott Loftesness. July 31, 2010. )〕 # The availability of funds is validated in real-time by the consumer’s financial institution.〔(Payments News. Carol Coye Benson. July 23, 2008. )〕 # The consumer’s financial institution provides guarantee of payment to the merchant.〔 # Payment is made as a credit transfer (push payment) from the consumer’s financial institution to the merchant, as opposed to a debit transfer (pull payment).〔 # Payment is made directly from the consumer’s account rather than through a third-party account.〔 Nearly half of the bills paid in the US during 2013 were done via electronic bill payment. Also, during 2014, nearly 48% of all online shopping in North America were made with a credit card. Globally, online payments are expected to exceed 3 trillion Euros (approx. US$ 3.2 trillion) in the next 5 years. == Privacy and security features == OBeP systems protect consumer personal information by not requiring the disclosure of account numbers or other sensitive personal data to online merchants or other third parties.〔(FIS News Release. March 18, 2008. )〕 During the checkout process, the merchant redirects the consumer to their financial institution’s online banking site where they login and authorize charges. After charges are authorized, the financial institution redirects the consumer back to the merchant site. All network communications are protected using industry standard encryption. Additionally, communications with the OBeP network take place on a virtual private network, not over the public Internet. In order to be positive that your identity, information and other personal features are truly secure, the following cautions should be taken: 〔(May 22, 2011. )〕 Make sure a secure browser is being used. Read all privacy policies provided. Many individuals simply skip over such important information that could spell out potential risks. If a risk seems unnecessary and odd, it would be safer to skip this payment rather than take the risk with one's hard earned money. Keep all personal information private. If phone numbers, social security numbers or other private, important information is asked for one should be cautious. Banking information is important information as it is, asking for unnecessary personal information should be a red flag of suspicious behavior. Selecting businesses that are trustworthy is key. Most companies will email a customer with a transaction receipt upon payment. Keeping a record of these is important in order to have proof of purchase or payment. Lastly, checking bank statements regularly is crucial in keeping up-to-date with transactions. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Online Banking ePayments (OBeP) is a type of payments network, developed by the banking industry in conjunction with technology providers, specifically designed to address the unique requirements of payments made via the Internet.(International Council of Payment Network Operators )Key aspects of OBeP which distinguish it from other online payments systems are:」の詳細全文を読む スポンサード リンク
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