問21
頻出度★★☆
図は，クレジットカードを利用した取引を表す。⑤に該当する行為はどれか。ここで，①～⑥は取引の順序を表している。 登場者は「利用者」「加盟店」「クレジットカード会社」の三者で，取引の順序は次のとおりである。 - ①商品の引渡し又はサービスの提供：加盟店 → 利用者 - ②：利用者 → 加盟店 - ③：加盟店 → クレジットカード会社 - ④：クレジットカード会社 → 加盟店 - ⑤：クレジットカード会社 → 利用者 - ⑥：利用者 → クレジットカード会社
平成21年度 春期 ITパスポート試験 問21
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 21
Incorrectア
“Billing for the sales amount (sending the sales slip or the sales data)” is an action that the member store performs toward the credit card company, and it corresponds to ③ (member store → credit card company) in the figure. ⑤ runs in the direction of credit card company → cardholder, so neither the parties nor the direction match. Note also that “sales amount” is the term used between the member store and the card company, and it is distinguished from “amount used,” which is the term used toward the cardholder.
Incorrectイ
“Presenting the credit card and signing the sales slip” is an action that the cardholder performs toward the member store, and it corresponds to ② (cardholder → member store) in the figure. It is an early action at the entrance of the transaction, so it does not apply to ⑤, which comes after the advance payment in ④.
Incorrectウ
“Payment of the amount used” is an action that the cardholder performs toward the credit card company, and it corresponds to ⑥ (cardholder → credit card company) in the figure. The payment in ⑥ occurs only after the billing in ⑤ has been received, so they stand in that order, and the direction of the arrow is also the reverse of ⑤. It is important not to mix up billing (the card company asking for the money → the cardholder) with payment (the cardholder → the card company).
- エ
正解 The correct answer is エ. Following ① to ⑥ in the figure in the direction of the arrows, the flow of a credit card transaction is as follows: ① the member store delivers the goods to the cardholder (or provides a service); ② the cardholder presents the credit card to the member store and signs the sales slip; ③ the member store bills the credit card company for the sales amount (sending the sales slip or the sales data); ④ the credit card company pays the sales amount to the member store in advance on the cardholder’s behalf; ⑤ the credit card company bills the cardholder for the amount used (sending the statement of charges); ⑥ the cardholder pays the amount used to the credit card company. ⑤ is the arrow that runs from the credit card company to the cardholder, and it is the stage where the card company, having already made the advance payment to the member store in ④, charges that amount to the cardholder. Therefore エ, which represents “billing for the amount used (sending the statement of charges),” is correct.
ここがポイント
- A credit card transaction has a three-party structure of “cardholder, member store, and credit card company,” and the key point is that the card company advances the money. The member store bills the card company for the sales amount (③) and receives the advance payment (④); the card company then bills the cardholder for that amount later (⑤), and the cardholder pays it (⑥).
- The terms are used differently depending on which pair of parties is involved: between the member store and the card company it is “sales amount,” and between the cardholder and the card company it is “amount used.” In addition, use the direction of the arrow to tell “billing” (the side asking for the money → the side that pays) from “payment” (the side that pays → the side that receives).
用語