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Credit Scoring: The secret to success of e-payment schemes

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Stefan Schicker
Stefan Schicker

Presentation given to an international audience of lawyers in the IT area in Brussels, November 2009

BusinessEconomy & Finance
1 of 19
Credit scoring – the secret of the success of epayment schemes: a legal view ITechLaw, Annual European Conference Brussels, November 6th, 2009 Stefan C. Schicker LL.M.
What Is Scoring?
 
Mike Andrew , 17 , 54 Hobson New York
>> Scoring is a mathematical, statistical procedure examining the values of the past to predict e.g. the creditworthiness of a person in the future << Definition:
Why Is Scoring important?
Convenience for customer Security for merchant vs. Cheap & convenient Payment method Cheap & convenient Payment method
[object Object],[object Object],[object Object]
How Do you use Scoring on the Internet?
Webshop S Superstore Your Shopping Cart: 1x Plasma TV $ 599,00 Your Information: Name: Address: Telephone: Email: Stefan Schicker Wittelsbacherplatz 1 80333 München 0049 89 28640 232 [email_address] Proceed 1/2
Concentrator
Payment Method
 
What Is legally relevant?
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Credits photographs & graphics: p. 2, 6, 9, 14: © pdesign – Fotolia p. 3, left:: © paul hampton – Fotolia p. 3, right: © Kzenon – Fotolia p. 11, 12: © creditpass.de p. 13: © Klaus Rademaker - Fotolia p. 18: © 3dpixs.com - Fotolia

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Credit Scoring: The secret to success of e-payment schemes

  • 1. Credit scoring – the secret of the success of epayment schemes: a legal view ITechLaw, Annual European Conference Brussels, November 6th, 2009 Stefan C. Schicker LL.M.
  • 3.  
  • 4. Mike Andrew , 17 , 54 Hobson New York
  • 5. >> Scoring is a mathematical, statistical procedure examining the values of the past to predict e.g. the creditworthiness of a person in the future << Definition:
  • 6. Why Is Scoring important?
  • 7. Convenience for customer Security for merchant vs. Cheap & convenient Payment method Cheap & convenient Payment method
  • 8.
  • 9. How Do you use Scoring on the Internet?
  • 10. Webshop S Superstore Your Shopping Cart: 1x Plasma TV $ 599,00 Your Information: Name: Address: Telephone: Email: Stefan Schicker Wittelsbacherplatz 1 80333 München 0049 89 28640 232 [email_address] Proceed 1/2
  • 13.  
  • 14. What Is legally relevant?
  • 15.
  • 16.
  • 17.
  • 18.
  • 19.

Editor's Notes

  1. Lehman Brothers? (Emanuel &amp; Mayer Lehman)
  2. Answers
  3. Good business information and efficient risk management provide effective protection against costly bad debt losses. Risks are identified at an early stage and counteractive measures can be implemented in advance.
  4. Plausibility Address checks Card checks Geo information
  5. Answers
  6. Neue Chancen National- international (zumindest EU) SEPA machts möglich EU-Gesetze: ca. 85% der Wirtschaftsbereiche Trotz Harmonisierung: Gefahren im Detail nach ausländischem Recht