1. Technology and Financial Sector จัดทำโดย นาย นพพล ตู้จินดา 434 55382 29 นาย นพพล ตู้จินดา 434 55382 29 นาย วรวิทย์ กัมพุสิริกุล 434 55920 29 นาย วรวิทย์ กัมพุสิริกุล 434 55920 29 นาย อวิรุทธิ์ จันทร์อำนวยสุข 434 56297 29 นาย อวิรุทธิ์ จันทร์อำนวยสุข 434 56297 29

2. Electronic Fund Transfer (EFT)

3. Automated Clearing House (ACH) ► A processing and delivery facility that provides for the distribution and settlement of electronic financial transactions. ► Debits and credits are cleared electronically, rather than through the physical movement of checks or cash.

4. ACH มี 2 แบบ ► ACH Credit - Remittance Express (REX) - Remittance Express (REX) - General Lockbox Financial Agents - General Lockbox Financial Agents ► ACH Debit - General Lockbox Financial Agents - General Lockbox Financial Agents - FMS KFC - FMS KFC

5. Plastic Card Network (PCN) ► The Internet Credit Card Collections (ICCC) Program Benefits Customer Benefit - Provides convenience - Gives instant buying potential - Provides timely approval - Has worldwide acceptability Agency Benefits - Eliminates bad checks - Reduces holdings of cash - Increase sales productivity - Provide a no-default collection mechanism for potential bad debts - Provides a vehicle to collect funds via internet

6. Paper Check Conversion (PCC) at the Point-of-Sale ► Convert personal paper checks into electronic funds transfer debit transactions against the check writer’s account

7. PCC use 5 technologies 1. Imaging 2. Verification 3. Conversion 4. Representment 5. Reporting

8. PCC Benefits ► It will greatly reduces indirect costs, while increasing accountability and security. ► Reduce the workload by removing paper from the process ► Speed the deposit and collection process ► Reduce the number of dishonored checks accepted ► Provide a complete electronic record of converted checks ► Allow enhanced reporting and access to information

9. Disbursement Mechanisms

10. Direct Deposit ► An electronic payment alternative that uses the ACH system. ► Payments can be made to individuals or businesses. ► Direct Deposit lets you authorize specific deposits, such as paychecks and Social Security checks, to your account on a regular basis. You also may preauthorize direct withdrawals so that recurring bill, such as mortgages, are paid automatically.

11. Benefits ► Recipient Benefits - Provides convenience - Provides a highly dependable, efficient payment system - Eliminates lost, forged, or stolen checks. - increases security - Provides payment information to the vendor/recipient - provides the vendor/recipient with funds on the payment date.

12. Benefits ► Agency Benefits - eliminates check ordering, storage, and printing costs. - eliminates postage costs - provides complete audit trail - reduces paper work

13. Vendor Express Program ► This program electronically transfer money and remittance information through ACH network. ► Electronic data interchange (EDI) ► EDI is the computer-to-computer transmission of business information in a standardized format.

14. Benefits ► Fully traceable payments ► Lower Government operating costs through reduced manual payment processing and streamlined operations

15. International Direct Deposit (IDD) ► EFT service for foreign-resident payment recipients ► IDD enables Federal payments to go directly to the recipients’ accounts at financial institutions through a link between the Fed Reserve Bank and electronic payment systems in foreign countries ► Recipients benefits by having their payments automatically converted to local currencies at the lowest exchange rate obtainable, thereby eliminating bank and check-cashing fees. ► IDD also eliminates the possibility of lost or delayed mail and assures receipt of payment on the payment date.

16. Electronic Transfer Account (ETA) ► An account designed by the Treasury to ensure that individuals who want to receive Federal payments electronically have access to an account at a reasonable cost and with the same consumer protections available to other account holders at the same financial institution.

17. Fedwire ► Federal Reserve Communications System linking the 12 Federal Reserve District banks, its 25 branches, and certain eligible U.S. depositary institutions. ► A transaction-by-transaction processing system designed for only high-dollar, low-volume items that must be received by payees the same day as originated by the agency.

18. Social for worldwide Interbank Financial Telecommunications (SWIFT) ► A worldwide interbank telecommunications network. ► Involved more than 7,000 financial institutions in 192 countries.

19. Benefits ► Recipient Benefits - Offers convenience by crediting the recipient’s bank account in foreign currency - Provides a highly dependable, efficient mechanism by crediting the payment on the payment date - Eliminates lost, forged, stolen checks - Eliminates check- cashing fees

20. Benefits ► Agency Benefits  Eliminates checks and postage costs  Less costly than checks  Reduces paperwork and related administrative costs

21. Automated Standard Application for Payments (ASAP) ► An all-electronic payment and information system. ► ASAP is used to make payments to designated financial agents that are performing financial services for FMS and other Federal agencies.

22. Benefits ► Recipient Organizations Benefits - Highly secure electronic access from the recipient’s desktop. - Touch-tone phone payment request capability - Same-day payment within minutes via direct link to Fedwire. - Next-day and future-day payments via direct link to ACH - Flexibilty to create individual and summary payment requests - On-line review of up-to-the-minute ASAP account balances, account statements, transaction detail, and payment status.

23. Benefits ► Agency Benefits - Highly secure automated interfaces between agency systems and ASAP for account management, authorization, and reporting functions. - Opportunity to provide input on the system’s design through active ASAP user group - up-to-the-minute on-line inquiry of ASAP account balances, account statements, transaction detail, and payment status