2000. 10. 30. ETRI
Introduction Clearing. Internet Clearing,,,. B2C B2B,,.
Gartner Group Non-EDI B2B ecommerce 2000 1240, 2003 7467 B2B Biller 70% e-billing, 2003 electronic Bill presentment 40 IDC Report EBPP Competitive Necessity for Banks : EBPP Bill-issuer customer Billpayment customer IDC Report:2004 30 99 EBPP 40% Jupiter Report 2005 EBPP 4000
Electronic Bill ( ) EBPP : Electronic Bill Presentment and Payment ESP: Electronic Statement Presentment EBDP: Electronic Bill Delivery and Payment ESD: Electronic Statement Delivery Electronic Payment ( ) Digital Cash Online Escrow Service Credit Card Merchant Service
Billing
EBPP/EBDP EBPP, EBDP, ESP, ESD Definition: The electronic presentation of statements, bills, invoices and related information sent by a company to its customers, and corresponding payment for goods or service (http://www.ebilling.org) email,
Billing Models Direct Bill Model( ) Biller. Consolidation Model( ) Biller Billing summaries Billing Presentment EBPP
EBPP
EBDP Data extract Data extract Statement generator Statement generator Mail system Mail system Statement history Statement history Message tracking Message tracking Web server Web server Business rules Business rules Style sheets Style sheets Report generation Report generation Report generation Report generation Account data management Account data management Configuration data (accounts and subscribers) Configuration data (accounts and subscribers)
mybill (http://www.mybill.net) Dacom System Technologies e-mail efreebill (http://www.billwiz.net) IBS, HanBill (http://www.hanbill.com), email EBPP NeoBill (http://www.neobill.co.kr) (PFMS) CRM
Paytrust(http://www.paytrust.com) PayMyBills.com (http://www.paymybills.com) CyberBills (www.statusfactory.com) 12
Payment
Electronic Payment Digital Cash : digital cash Online Escrow Service : ; Credit Card Merchant Service
Digital Cash or :,, : : / : : ebilling : 700 ARS :
Online Escrow Service escrow B2B
Credit Card Merchant Service EasyPay/EasyPay Direct (KICC) EasyPay Direct PG ecredit, 1000 IniPay 70%
X12 X12 ASC X12(Accredited standards committee X12) uniform standards electronic data interchange(edi) standards : order placement/processing shipping/receiving information Invoicing payment/cash application data data to and from entities involved in finance, insurance, education, state and federal governments 275 transaction set
FIX FIX (Financial Information exchange) protocol : www.fixprotocol.org,,,, steering committee Working Groups Technical: ECN and Exchanges; Encryption, Authentication, Digital Certificates; Fixed Income Trading; FIX/XML and Emerging Standards;Program/List Trading Business: Indications of interest; Global Straight-Through Processing Committee/FIX; industry Coordination
FIX System Connectivity
OFX OFX (Open Financial exchange) : www.ofx.net, Unified specification 1997 CheckFree,Intuit and Microsoft Consumer small business Consumer small business bill payment bill presentment stock, bond, mutual funds Security X.509 v3 Certificates PKCS#1 block type 2 encryption RSA encryption algorithm Challenge and response protocol model (retail financial activity)
OFX Security Levels System Channel Level Security (SSL etc.) Application Level Security (encrypted Password)
OFX Architecture
IFX IFX (Interactive Financial exchange) : www.ifxforum.org instruction OFX Integrion GOLD : Electronic Bill Delivery Payment Business Messages electronic bill (payment) (remittance) IFX spec. version 1.0.1 (April 26, 2000) Msg Spec. and DTD Business Practice is developed by NACHA CEBP (cebp.nacha.org)
OBI OBI (Open Buying on Internet) : www.openbuy.org 1996 Fortune 500 OBI Consortium B2B e-commerce standard (CommerceNet ) American Express,BASF Corp., Ford, GE, Lexmark Int., etc, 80% B2B B2B OBI (requirement, architecture, specification, guideline) Spec version: V2.1 (November 1999)
OBI Information Flow
iotp iotp(internet Open Trade Protocol) : www.ietf.org IETF Trade Working Group SET, DigiCash, ( IOTP ),,,, XML,,,,, : 1.0 RFC 2.0 Draft(1999 2 ) IOTP Hewlett Packard, IBM, JCP, MasterCard International, Smart Card Integrations, Sun Microsystems, Wells Fargo Bank.
DRI DRI(Digital Receipt Infrastructure): www.receipt.org,,, RSA 99 Conference Differential,Inc. B2B,, Trusted Timestamps :, Digital Signatures : XML Extensibility : Real-time Assurance : Unified Infrastructure : Auditing :
An example of the DRI at work
( )