رهيافتي به سمت چك الكترونيكي با تحليل نظام پرداخت چك در ايران

An Approach to the Electronic Check using the Iran Check Payment System Analysis

Among commercial documents, paper check is the second largest payment instrument in Iran. Due to inherent complexity, poor security and high processing expenses of the paper check, an electronic check model which is in compliance with Iranian banking services and check law is presented. The ʹiPay-eCheckʹ system, we present in this paper, covers electronic cycle among payer, payee, payeeʹs bank and payerʹs bank using the Internet, a domestic interbank switch and RIGS. We included a new Factor Company role to the model of FSTC and MANDATE eCheck systems for situations such as insufficient funds in the payerʹs account. We also considered one `user key pairʹ and many `account key pairsʹ. With these key pairs, a user can have one signature for her/his membership in the bank, and a signature for each account which she/he has in the bank. Moreover, we assumed two different services, one for checking account holders to issue, receive and deposit eChecks, and the other for all other account holders just only to receive and deposit eChecks.