以下关于电子支付业务流程的描述,错误的是( )。
- A.电子支付业务流程的主要参与者为发行银行、接收银行、清算中心、支付者和商家
- B.电子支付业务流程的协议包含付款、存款和支付
- C.清算中心从接收银行收到电子支付指令并验证其有效性,然后提交给发行银行
- D.商家接收支付者的电子支付指令并为支付者提供商品或服务
正确答案及解析
正确答案
解析
本题考查电子支付业务流程。
电子支付的业务流程的参与者有:
(1)发行银行。该机构为支付者发行有效的电子支付手段,如电子现金、电子支票和信用卡等。
(2)支付者。通过取款协议从发行银行取出电子支付手段,并通过付款协议从发行银行换得电子支付手段。
(3)商家。接收支付者的电子支付手段并为支付者提供商品或服务。
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(4)接受银行。接收商家从支付者收到的电子支付手段,验证其有效性。然后提交给清算中心,将钱从发行银行贷给商家账户。
(5)清算中心。从接收银行收到电子支付手段并验证其有效性,然后提交给发行银行。
电子支付业务流程的协议有:付款、取款、支付和存款。
综合分析,本题选B。
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