QUIZ 11 THANH TON IN T 1 T chc cung cp ti khon chp nhn thanh ton cho ngi bn hay Internet Merchant

t Accounts vi mc ch chp nhn cc khon thanh ton bng th tn dng c gi l g? a. Ngn hng thng bo - acquiring bank. b. T chc cung th tn dng - credit card association. c. Ngn hng pht hnh - issuing bank. d. Nh cung cp dch v - processor. 2. T chc ti chnh cung cp th thanh ton cho cc khch hng c nhn c gi l g? a. Ngn hng thng bo - acquiring bank. b. T chc cung th tn dng - credit card association. c. Nh cung cp dch v - processor. d. Ngn hng pht hnh - issuing bank. 3. Dch v kt ni ngi bn hng, khch hng, v cc ngn hng lin quan thc hin cc giao dch thanh ton in t c gi l g? a. Ngi bn - merchant. b. Ngn hng pht hnh - issuing bank. c. Dch v thanh ton trc tuyn - payment processing service. d. Ngn hng thng bo - acquiring bank. 4. Qu trnh chuyn tin t ti khon ca ngi mua sang ti khon ca ngi bn c gi l g? a. Ph duyt - approval. b. Xc thc - authorization. c. Thanh ton - settlement. d. Mua hng - procurement. 5. Mt loi th thng minh vi mt con chp nh, mu vng gn trn b mt th cho php gi v nhn thng tin vi my c th khi t vo vo trong my c th c gi l g? a. debit card. b. optical memory card. c. purchase card. d. contact card. 6. Mt loi th thanh ton cho php ch th s dng mt khon tin thanh ton vi gii hn nht nh do cng ty cp th a ra v thng yu cu mt t sut li nhun kh cao i vi nhng khon thanh ton khng c tr ng hn. y l loi th no? a. Th ghi n - debit card. b. Th mua hng - charge card. c. Th tn dng - credit card. d. Th thanh ton in t - e-payment card. 7. Qu trnh kim tra xc nh xem thng tin v th c chnh xc khng v s d tin trn th thanh ton cho giao dch hay khng c gi l g? a. Mua hng procurement. b. Thanh ton c. Ph duyt - approval. d. settlement. e. Xc thc - authorization. 8. Trn gc khch hng s dng ha n in t, hy ch ra vn KHNG phi l li ch i vi h. a. Khng b gii hn v thi gian v a im thanh ton ha n - ability to pay bills from anywhere at any time. b. D dng lu tr cc loi ha n - improved record keeping. c. Gim chi ph - reduced expenses. d. Nhn t hn nhng mu qung co t cc doanh nghip gi ha n - fewer ads from companies sending bills.

9. Mt loi th thanh ton cho php cc giao dch thanh ton c thc hin khi t gn thit b c th nh tr ph giao thng trn ng cao tc, tr v tu in ngm c gi l g? a. optical memory card. b. debit card. c. contactless card d. contact card. 10. Cc giao dch thanh ton in t c gi tr nh hn 10 USD c gi l g? a. Thanh ton in t nh - e-micropayments. b. Thanh ton in t trung bnh - e-mediumpayments. c. Tin in t - e-cash. d. Thanh ton in t bng th thng minh - e-smart payments. 11. Mt loi th thanh ton cho php ch th rt tin trc tip t ti khon tin gi ca mnh ti ngn hng. y l loi th no? a. Th ghi n - debit card. b. Th thanh ton in t - e-payment card. c. Th mua hng - charge card. d. Th tn dng - credit card. 12. TS. Lynn thc hin cc khon thanh ton hng thng thng qua mt website thanh ton trc tuyn do ngn hng cung cp. y l v d v: a. Th tn dng o - virtual credit card b. Cng thanh ton ha n trc tuyn - bill consolidator c. Ngn hng in t - online banking d. Thanh ton ha n trc tuyn - biller direct 13. GS. Tun s dng th mua mt s sch trn mng. Cc khon thanh ton b tr trc tip t ti khon tin gi ca ng t ti ngn hng Vietcombank. Trong trng hp ny, ng Tun s dng loi th no? a. Th mua hng - charge card. b. Th tn dng - credit card. c. V in t - e-wallet. d. Th ghi n - debit card. 14. Trong nm 2004, theo thng k ca Turban 2006, tng thit hi do cc giao dch thanh ton gi mo trc tuyn i vi ngi bn hng l bao USD. a. $260 million. b. $26 million. c. $26 billion. d. $2.6 billion. 15. GS. Hoang ng k s dng mt dch v thanh ton cho php tp hp tt c cc ha n GS phi tr trong thng t cc nh cung cp dch v khc nhau, v ch phi thc hin mt thanh ton duy nht. y l v d v hnh thc thanh ton in t no? a. Cng thanh ton ha n trc tuyn - bill consolidator b. Th tn dng o - virtual credit card c. Thanh ton ha n trc tuyn - biller direct d. Ngn hng in t - online banking 16. Cng ty bn sn phm hay dch v trc tuyn, s dng th tn dng l cng c thanh ton c gi l g? a. Ngi bn - merchant. b. Ngn hng thng bo - acquiring bank. c. Nh cung cp dch v - processor. d. Ngn hng pht hnh - issuing bank. 17. Mt loi th thanh ton, khng c gii hn nht nh, ch th phi tr cc khon chi tiu, mua sm hng thng. y l loi th no?

a. Th tn dng - credit card. b. Th ghi n - debit card. c. Th mua hng - charge card. d. Th thanh ton in t - e-payment card. 18. TS. Minh thc hin thanh ton cc ha n tin in, in thoi, internet bng cch vo cc website ca nhng nh cung cp dch v trn v nhp vo thng tin ti khon thanh ton, y l hnh thc thanh ton in t g? a. Thanh ton ha n trc tuyn - biller direct b. Cng thanh ton ha n trc tuyn - bill consolidator c. Ngn hng in t - online banking d. Th tn dng o - virtual credit card 19. Trong giao dch thng mi quc t, vi nhng hp ng c gi tr ln, v d trn 50.000 USD, cc doanh nghip thng s dng hnh thc thanh ton no? a. Thanh ton bng th - trade card payment. b. Thanh ton s dng ch k s - PKI payment. c. Thanh ton in t nh - e-micropayment. d. Th tn dng - letter of credit. 20. Trn gc ngi cung cp ha n in t, hy ch ra c im KHNG phi li ch ca hot ng ny. a. Gip doanh nghip hin din trn ton th gii - universal availability. b. Ci thin cht lng dch v khch hng - improved customer service. c. Thu ht thm nhiu khch hng tim nng - opportunity for targeted advertising. d. Gim chi ph x l giao dch - reduced processing expense. 21 S dng ..... khch hng khng cn phi in cc thng tin vo cc n t hng trc tuyn m ch cn chy phn mm trn my tnh a. Tin s ho: Digital cash b. Tin in t: E-cash c. V in t: E-wallet d. Sc in t: E-cheque 22. Ngi mua/ch th, ngn hng ca ngi mua/ngn hng pht hnh th, ngn hng ca ngi bn, ngi bn/t chc chp nhn thanh ton th, t chc cung cp dch v thanh ton in t l cc bn lin quan n giao dch thng mi in t no? a. Mua hng v thanh ton bng th ti siu th b. Mua hng v thanh ton bng th tn dng qua Internet c. Mua hng v thanh ton bng th tn dng ti ca hng d. Rt tin mt t my ATM thanh ton khi mua hng 23. Li ch c bn nht ca Internet banking l g a. Tit kim chi ph giao dch b. To iu kin cung ng thm cc dch v cho khch hng c. Tng mc thun tin trong giao dch ca khch hng d. Xy dng lng trung thnh v gia tng li nhun cho khch hng

24. Hn ch kh khc phc nht khi y mnh cung cp dch v Internet banking ti VN l: a. Kh m bo cc vn an ton, bo mt b. Thiu vn u t v cng ngh

c. Hn ch v trnh trong ngnh ngn hng d. Thi trng tim nng nh

25. S khc bit ln nht gia Th tn dng (credit card) v Th ghi n (debit card) l: a. Kh nng thanh ton trong giao dch qua Internet (mua hng qua mng) b. Kh nng thanh ton trong cc giao dch truyn thng (ti siu th, ca hng...) c. Kh nng rt tin t cc my ATM d. Kh nng chi tiu b gii hn 26. Yu t no khng phi li ch ca dch v ngn hng in t a. Thanh ton cc ha n trc tuyn b. Truy cp cc thng tin v ti khon v cc giao dch thc hin c. Truy cp mi ni, mi lc d. Tng tc trc tip vi nhn vin ngn hng 27. Loi th no c bo mt cao hn cc loi th cn li a. Th rt tin mt (ATM) b. Th mua hng c. Th thng minh d. Th bng t 28. Ch ra yu t KHNG cng loi vi cc yu t khc a. ATM b. EFT (Electronic Funds Transfer (Chuyn tin in t, Chuyn khon in t) c. ACH (Automated Clearing House (ACH) Network) d. EDI (Electronic Data Interchange) The Automated Clearing House (ACH) Network The ACH Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by the NACHA OPERATING RULES which provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries. ACH payments include: Direct Deposit of payroll, Social Security and other government benefits, and tax refunds; Direct Payment of consumer bills such as mortgages, loans, utility bills and insurance premiums; Business-to-business payments; E-checks; E-commerce payments; Federal, state and local tax payments.

29. Gi mua hng in t KHNG nht thit phi c chc nng no di y? a. Tm kim sn phm b. La chn, thm, bt sn phm c. Tnh ton gi, lp ha n d. Lin kt n phn mm thanh ton in t