Direct Deposit. One form of payments made by the organization (eg an employer or a government agenc

Automated Teller Machine (ATM). Electronic terminals provided financial institutions or other companies that allow customers to make cash withdrawals from savings account at the bank, make a deposit, check balances, or transfer of funds.
Direct Deposit. One form of payments made by the organization (eg an employer or a government agency) that pays a sum of money (eg salary or pension) through electronic transfer. Funds are transferred directly to each customer's account. Direct Payment (also electronic bill payment). One form of payment that allows customers to pay bills via electronic funds transfer. The funds are electronically transferred from the customer's account to the account of the creditor. Direct payment of preauthorized debit is different in this case, the customer must initiate any direct payment transactions.
Electronic Bill Presentment and Payment (EBPP). Form of payment of bills submitted freezer panels or notified to the customer or the customer online, such as through email or a note in the bank account. After submission freezer panels of the bill, the customer freezer panels must pay the bill online as well. The payments electronically will reduce the customer deposit balances.
Electronic Check Conversion. The process of converting the information contained in the checks (account freezer panels number, transaction number, etc.) to the electronic format in order to do electronic funds transfer or further processing.
Payroll Card. One type of "stored-value card" issued enumerated by the employer in lieu of a check that allows employees to access pembayaraannya at ATM terminals or Point of Sales. Employer payment of employee freezer panels adds value to the card electronically.
Preauthorized debit (or automatic bill payment). Forms of payment that allows the customer freezer panels to authorize routine payments automatically taken from their bank account on the date-specific and usually with a certain amount of payment (eg, payment of electricity, telephone bills, etc.). Electronically transferred funds from the customer's account to the account of the creditor (eg PLN or PT Telkom).
Smart Card. One type of stored-value freezer panels card in which one or more embedded chips or microprocessors that can store data, perform calculations, or do the process for specific purposes (eg PIN validation, purchase authorizations, verify account balances, and store personal data). This card can be used in open systems (eg for public transport payment) or a closed system (eg MasterCard or Visa networks).
Stored-Value Card. Card with saved some monetary value, which is filled by the previous payment by the customer or through savings provided by the employer or any other company. For single-purpose stored value card, the issuer (issuer) and the recipient (acceptor) card is the same company and the funds on the card shows the payment in advance for the use of certain goods and services (such as phone cards). Limited-purpose cards are generally used on a limited basis at POS terminals previously identified in certain locations (eg, vending machines in schools). While the multi-purpose card can be used on multiple service providers with a wider range, for example, a card with a MasterCard, Visa, or other logos in the inter-bank network.
Definition of E-Banking, What is e-banking? Electronic banking (e-banking) is an activity freezer panels that combines banking freezer panels services between information systems and technology, e-banking freezer panels include phone banking, mobile banking, and internet banking. E-banking is defined as the automated delivery of bank services and products directly to customers through electronic, interactive communication channels.
E-banking includes the systems that enable bank customers, whether individuals or businesses, to access accounts, transact business, or obtain product information and banking services through private or public networks, including the Internet. Customers can access e-banking through freezer panels smart electronic devices such as computers / PCs, PDAs, ATMs, or telephone. Let us examine each one of the e-banking freezer panels channel that has been applied in Indonesian banks as follows:
1. The ATM, Automated Teller Machines or Automated Teller This is the channel freezer panels the most popular e-Banking as we know it. Each of us must have an ATM card and use the ATM facility. Features traditional ATM balance inquiry is to investigate and make cash withdrawals. During its development, increasing feature that allows for transfers between accounts, payments (ie credit cards, electricity, and telephone), purchasing (al voucher and ticket), and the latest transfer to another bank (the one switching nets