問18
頻出度★★☆
現在使っているキャッシュカードで，銀行口座からリアルタイムに代金を直接引き落として決済できるものはどれか。
平成21年度 春期 ITパスポート試験 問18
ストラテジ系ビジネスインダストリ › e-ビジネス
This question's explanation and your answers so far.
解説
問 18
Incorrectア
An ETC card is a card dedicated to the Electronic Toll Collection (ETC) system used on expressways and similar roads; it is inserted into an in-vehicle unit to pay tolls. The toll is in principle paid later through a credit card company, so the card is neither a bank cash card itself nor a means of deducting money from an account immediately.
- イ
正解 A debit card is a card for immediate payment (real-time settlement): when the card is run through a merchant terminal and the PIN is entered, the amount is deducted from the user's bank account on the spot. With J-Debit in Japan, there is no need to obtain a new dedicated card; the ordinary cash card already issued by the bank can be used for payment as it is. It therefore matches exactly the condition in the question, “settling a payment by directly deducting the amount from a bank account in real time, using the cash card you currently have”. Payment is limited to the balance in the account, and no credit extension (deferred payment) is involved as it is with a credit card.
Incorrectウ
A prepaid card is a card for advance payment, used within the amount charged (loaded) onto it beforehand. What decreases at the time of payment is the balance recorded on the card; the money is not deducted from a bank account in real time each time. It is also a card issued separately from a cash card.
Incorrectエ
A loyalty (points) card is a membership card for earning and using points according to the amount purchased; it is not a means of payment for settling a bill in the first place. It is also not linked directly to a bank account.
ここがポイント
- Cards can be classified by the timing of payment: prepaid (prepaid cards, electronic money) / immediate payment (debit cards) / deferred payment (credit cards). When you see “deducted directly from a bank account in real time”, think of a debit card.
- J-Debit in Japan is a scheme in which a cash card already issued by a bank, together with its PIN, is used as it is for immediate settlement at member stores. It is a typical example of EFT (Electronic Funds Transfer), which moves funds between accounts electronically. The amount that can be used is limited to the account balance.
用語