EC课本题库版ec08tifch12.docx
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EC课本题库版ec08tifch12.docx
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EC课本题库版ec08tifch12
Chapter12
ElectronicPaymentSystems
True-FalseQuestions
1.
E-paymentsystemsthatrequirethepayertoinstallspecializedsecuritysoftwarehaveprovenmorelikelytosucceed.
Answer:
FalseDifficulty:
EasyPageReference:
550
AACSB:
Useofinformationtechnology
2.
Thesuccessofane-paymentmethoddependsonitsinteroperabilitywithexistingenterprisesystemsandapplications.
Answer:
TrueDifficulty:
EasyPageReference:
550
AACSB:
Useofinformationtechnology
3.
Tosucceed,speciale-paymentmethods,suchase-cash,havetomaintainanonymity.
Answer:
TrueDifficulty:
MediumPageReference:
550
AACSB:
4.
E-paymentmethodsthatcanaddressthelowerorhigherendofthepricecontinuumisunlikelytobewidelyacceptedbecauseofcostandsecurityissues.
Answer:
FalseDifficulty:
MediumPageReference:
550
AACSB:
Reflectivethinking
5.
Creditcardsandchargecardsareepaymentinstrumentsthatallowtheholdertomakepurchasesuptoafixedlimitandchargesinteresteachmonthonunpaidbalances.
Answer:
FalseDifficulty:
MediumPageReference:
551
AACSB:
6.
Inthesettlementprocess,thesystemsmustdeterminewhetherabuyer'scardisactiveandwhetherthecardholderhassufficientfundsavailableforthepurchase.
Answer:
FalseDifficulty:
EasyPageReference:
551
AACSB:
Useofinformationtechnology
7.
Withadebitcard,themoneyforapurchaseditemcomesdirectlyoutoftheholder’scheckingaccountwiththeactualtransferoffundsfromtheholder’saccounttothemerchant’stakingplacewithinonetotwodays.
Answer:
TrueDifficulty:
EasyPageReference:
551
AACSB:
8.
Theprocessingofcardpaymentshastwomajorphases:
identificationandsettlement.
Answer:
FalseDifficulty:
MediumPageReference:
551
AACSB:
Useofinformationtechnology
9.
Intheauthorizationprocess,thesystemsdetermineswhetherabuyer’scardisactiveandthecustomerhassufficientavailablecreditlineorfunds.
Answer:
TrueDifficulty:
MediumPageReference:
551
AACSB:
10.
Foragiventypeofpaymentcardandprocessingsystem,theprocessesandparticipantsareessentiallythesameforoff-line(cardpresent)andonline(cardnotpresent)purchases.
Answer:
TrueDifficulty:
MediumPageReference:
552
AACSB:
Useofinformationtechnology
11.
CyberSourceandVeriSignarepaymentprocessingservicesthatprovideconnectivityamongmerchants,customers,andfinancialnetworksthatenableauthorizationandpayments.
Answer:
TrueDifficulty:
MediumPageReference:
552
AACSB:
12.
Intheonlineworld,merchantsarenotheldliableforfraudulenttransactions.
Answer:
FalseDifficulty:
MediumPageReference:
553
AACSB:
13.
RecentsurveysbyCyberSourceindicatethatfraudulentcardtransactionsareagrowingproblemforonlinemerchantsinspiteoftheirincreasingeffortstocombatfrauddespiteimprovedanti-fraudmeasures.
Answer:
TrueDifficulty:
MediumPageReference:
553
AACSB:
14.
Becauseoftheirvisibilityandlargesalesvolumes,largerfirmsweremoresusceptibletofraudthansmallerfirmswere.
Answer:
FalseDifficulty:
MediumPageReference:
553
AACSB:
15.
OneproblemwiththeAddressVerificationSystem(AVS)forfraudpreventionisthenumberoffalsepositives,meaningthatthemerchantrejectsavalidorder.Onereasonfortheserejectsissimplythatcardholdersmakemistakesininputtingtheiraddressesorzipcodes.
Answer:
TrueDifficulty:
MediumPageReference:
553
AACSB:
Useofinformationtechnology
16.
Oneimpactofanti-fraudtoolsisthatmerchantsarerejectingasignificantnumberofbothvalidandinvalidordersduetosuspicionoffraud.
Answer:
TrueDifficulty:
MediumPageReference:
554
AACSB:
Useofinformationtechnology
17.
Withvirtualcreditcards,theissuermustcreateanewcreditcardnumberforeverypurchase.
Answer:
TrueDifficulty:
MediumPageReference:
554
AACSB:
Useofinformationtechnology
18.
Inmostcases,smartcardsaremoresecurethancreditcardsandcanbeextendedwithotherpaymentservices.Intheretailarena,manyoftheseservicesareaimedatthoseestablishmentswherepaymentsareusuallymadeincashandspeedandconvenienceareimportant.
Answer:
TrueDifficulty:
EasyPageReference:
558
AACSB:
Useofinformationtechnology
19.
Stored-valuecardsarebeingmarketedheavilytothethosewhodonothavecreditcardsordonothavebankaccounts,specifically—peoplewithlowincomes,youngadults,seniors,immigrants,minorities,andothers.
Answer:
TrueDifficulty:
MediumPageReference:
563
AACSB:
Useofinformationtechnology
20.
Regardlessofthevendor’spointofview,thereissubstantialevidence,atleastintheofflineworld,thatconsumersarenotwillingtousetheircreditordebitcardsformicropaymentsunder$5tominimizesecurityrisks.
Answer:
FalseDifficulty:
MediumPageReference:
565
AACSB:
Useofinformationtechnology
21.
E-checksrelyoncurrentbusinessandbankingpracticesandcanbeusedbyanysizedbusinessthathasacheckingaccount,creditcard,anddebitcard.
Answer:
FalseDifficulty:
MediumPageReference:
567
AACSB:
Useofinformationtechnology
22.
Fromtheperspectiveofthebillingfirm,twoadvantagesofe-billingarethereductioninexpensesrelatedtobillingandprocessingpaymentsandtheabilityforadvertisingcustomizedtoeachindividualcustomer.
Answer:
TrueDifficulty:
MediumPageReference:
572
AACSB:
Useofinformationtechnology
23.
EIPPistheprocessbywhichcompaniespresentinvoicesandmakepaymentstooneanother.
Answer:
TrueDifficulty:
MediumPageReference:
574
AACSB:
Useofinformationtechnology
24.
Withlettersofcredit,creditriskisreducedbecausepaymentisaccessedviathecreditworthinessoftheissuingbank.
Answer:
TrueDifficulty:
MediumPageReference:
576
AACSB:
Useofinformationtechnology
25.
Researchshowsthatstateandlocalgovernmentsarelosingmorethan$100billionperyearinsalestaxrevenueonitemspurchasedovertheInternet.
Answer:
FalseDifficulty:
MediumPageReference:
577
AACSB:
Useofinformationtechnology
MultipleChoiceQuestions
26.
Factorsthatcomeintoplayindeterminingwhetheraparticularmethodofe-paymentachievescriticalmassincludeallofthefollowingEXCEPT:
a.hardwareandsoftwareindependence.
b.fulltraceabilityofthebuyers.
c.thedegreeofsecurityofthetransfer.
d.interoperabilitywithotherenterprisesystemsandapplications
Answer:
BDifficulty:
MediumPageReference:
550
AACSB:
27.
Acardthatdrawsthepaymentamountdirectlyfromtheuser’scheckingaccountiscalleda(n):
a.e-paymentcard.
b.creditcard.
c.chargecard
d.debitcard
Answer:
DDifficulty:
EasyPageReference:
551
AACSB:
28.
Apaymentcardthatprovidestheholderwithcredittomakepurchasesuptoalimitfixedbythecardcompanyandchargesrelativelyhighinterestratesonunpaidbalancesisthe:
a.creditcard.
b.e-paymentcard.
c.debitcard.
d.chargecard.
Answer:
ADifficulty:
MediumPageReference:
551
AACSB:
29.
Theprocessofdeterminingwhetheracardisactiveandwhetherthecustomerhassufficientfundsforthepurchaseiscalled:
a.approval.
b.settlement.
c.procurement.
d.authorization.
Answer:
DDifficulty:
MediumPageReference:
551
AACSB:
30.
Thetransferofmoneyfromthebuyer’stotheseller’saccountiscalled:
a.approval.
b.settlement.
c.procurement.
d.authorization.
Answer:
BDifficulty:
MediumPageReference:
551
AACSB:
31.
______________offerInternetMerchantAccounts,whicharespecialaccountsforcreditcardauthorizationandpaymentprocessing.
a.Creditcardassociations
b.Issuingbanks
c.Paymentprocessingservices
d.Acquiringbanks
Answer:
DDifficulty:
MediumPageReference:
552
AACSB:
32.
________________arefinancialinstitutionsthatprovidesacustomerwithapaymentcard.
a.Creditcardassociations
b.Issuingbanks
c.Paymentprocessingservices
d.Acquiringbanks
Answer:
BDifficulty:
MediumPageReference:
552
AACSB:
33.
________________provideconnectivityamongmerchants,customers,andfinancialnetworksenablingauthorizationandpaymentsiscalledthe:
a.Creditcardassociations
b.Issuingbanks
c.Paymentprocessingservices
d.Acquiringbanks
Answer:
CDifficulty:
MediumPageReference:
552
AACSB:
34.
_____________aresmallonlinepaymentstypicallyunderUS$10:
a.E-cash
b.E-micropayments
c.E-smartpayments
d.E-minipayments
Answer:
BDifficulty:
MediumPageReference:
565
AACSB:
35.
Anadvantageofe-checksisthatthey:
a.involvecomplexinternalprocessingsystems.
b.operateoutsidethetraditionalbankingindustry.
c.containmuchmoreinformationthentraditionalpaperchecks.
d.fitcurrentbusinesspractices,andsorequirelittleprocessreengineering.
Answer:
DDifficulty:
MediumPageReference:
567
AACSB:
36.
Thenationwidebatch-orientedelectronicfundstransfersystemthatprovidesforinterbankclearingofelectronicpaymentsforparticipatingfinancialinstitutionsiscalledthe:
a.AutomatedClearinghouseNetwork.
b.FederalReserveSystem.
c.electronicbillpresentmentandpaymentnetwork.
d.ReceivingDepositoryFinancialInstitution
Answer:
ADifficulty:
MediumPageReference:
569
AACSB:
37.
EachofthefollowingarewaystopaybillsovertheInternetEXCEPT:
a.onlinebanking.
b.billerdirect.
c.customerserviceprovider.
d.billconsolidator.
Answer:
CDifficulty:
MediumPageReference:
570
AACSB:
38.
Fromtheperspectiveofthebillingfirm,allofthefollowingareadvantagesofe-billingEXCEPT:
a.opportunityfortargetedadvertising.
b.reducedprocessingexpense.
c.universalavailability.
d.improvedcusto
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