問12
頻出度★★☆
デビットカードに関する記述のうち, 最も適切なものはどれか。
平成26年度 秋期 ITパスポート試験 問12
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 12
Incorrectア
A prepaid method in which the available amount is recorded on the card in advance and used up until depleted describes a telephone card or a single-use prepaid card. A debit card records no amount on the card itself; it refers to the deposit account each time a payment is made, so it is not prepaid.
- イ
正解 The correct answer is イ. A debit card is a payment method in which a cash card issued by a financial institution is run through a terminal at the store, and the payment is deducted immediately from the holder’s own deposit account right at the moment the goods are bought — an “immediate payment (immediate settlement)” method. It can therefore be used only within the balance of the account, and its greatest characteristic is that there is neither charging money in advance nor a bill sent later. Choice イ, “a method in which the payment is immediately deducted from a deposit account at a financial institution at the time of purchase,” corresponds exactly to this description.
Incorrectウ
A postpaid method that settles the payment simply by presenting the card describes a credit card. With a credit card the card company advances the money and later deducts the total from the account, whereas a debit card involves no advance of funds and is deducted immediately at the time of payment.
Incorrectエ
A prepaid method that can be used up to the amount charged and allows the amount to be replenished repeatedly describes rechargeable electronic money such as transit IC cards. A debit card has no concept of charging; its usable limit is the account balance itself.
ここがポイント
- Cashless payments can be classified into three types by when the money is paid — prepaid (prepaid cards, electronic money), immediate payment (debit cards), and postpaid (credit cards). Remember: debit card = immediate payment.
- A debit card is linked directly to a deposit account and can be used only within the balance, so no credit (advance of funds) is involved. Its mechanism differs both from electronic money, which is charged onto the card, and from a credit card, which is billed later.
用語