3. Payment methods

I. Chiu, Joanna B. Wilson
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Abstract

This chapter examines payment methods, which refer to the mechanisms, procedures, and organisations that are used to enable parties to discharge their payment obligations. While there are a vast range of different payment mechanisms, the most common methods are cheques, payment cards, and the electronic transfer of funds. A cheque is a written order from an account holder instructing their bank to pay a specified sum of money to one or more named beneficiaries. Meanwhile, payment cards—small pieces of plastic that are used in financial transactions—have revolutionised the way that people pay for goods or services. Lastly, the transfer of funds refers to the movement of a credit balance from one account to another, which occurs by adjusting the balances of the respective party’s accounts. The chapter then looks at recent innovations in the payment services industry relating to open banking and third-party providers.
3.付款方法
本章探讨支付方式,指的是用于使各方履行其支付义务的机制、程序和组织。虽然有各种不同的支付机制,但最常用的方法是支票、支付卡和电子转账。支票是账户持有人指示其银行向一个或多个指定受益人支付指定金额的书面命令。同时,支付卡——用于金融交易的小块塑料——已经彻底改变了人们购买商品或服务的支付方式。最后,资金转移是指贷方余额从一个账户转移到另一个账户,这是通过调整各自账户的余额来实现的。然后,本章着眼于与开放银行和第三方提供商相关的支付服务行业的最新创新。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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