T

B

MT

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TTPPAA

6600//BB

ISBN 978-960-538-737-2

1

MEA TPAEZIKH EPAIA

T

:T EA . , - .

Copyright 2000 E

EHNIKO ANOIKTO ANEITHMIOO & Y, 26222 T.: (061) 314094, 314206, : (061) 317244

YNTEETE TOY IAKTIKOY YIKOY T

T

A Y E K

E E T K

K A M K X

E M E AM K

E X

E A

K EK. - Z. K O.E.

H K. - Z. K O.E.

OMAA EKTEEH EPOY EA/1997-2000

ISBN: 960-538-261-X

N. 2121/1993 , .

Copyright 2008 E

EHNIKO ANOIKTO ANEITHMIO 16 & . , 26222

.: (2610) 367300, : (2610) 367350

, , :

YNTEETE TOY IAKTIKOY YIKOY T

,

K E H

E E

OMAA EKTEEH EPOY EA

ISBN: 978-960-538-737-2

N. 2121/1993 , .

O KOINNIKN EITHMN

O O

OO B

2008

BIOPAIK bank. Master of Science LondonSchool of Economics - . - . bank - . .

15

K E A A I O 1

E 19

.................................................................................................................................19

A ........................................................................................19

-K ................................................................................................................19

E ..............................................................................................19

E 1.1

A

T (Hardware) ................................................................................20

E 1.2

T Software .............................................................................................25

1.2.1 E....................................................................................................................25

1.2.2 T ............................................................................25

1.2.3 T ..................................29

E 1.3

T ........................................................................................32

E 1.4

Mainframe-Minicomputers..............................................................................................37

E 1.5

M.............................................................................................................39

9

EPIEXOMENA

E 1.6

.....................................................................40

1.6.1 ....................................................................................................................40

1.6.2 ..............................................................................43

................................................................................................................................52

.........................................................................................................................53

B......................................................................................................................59

O M .......................................................................................59

K E A A I O 2

T 61

.................................................................................................................................61

A ........................................................................................61

-K ................................................................................................................61

E ..............................................................................................61

E 2.1

H .........................................................................................63

E 2.2

.............................................64

E 2.3

....................................................66

2.3.1 H .........................................................................................66

2.3.2 E ..................................................................................68

2.3.3 T ........................................................................................71

2.3.4 ................................................................73

E 2.4

..............................................77

E 2.5

O

................................................................................83

10

................................................................................................................................89

.........................................................................................................................90

B......................................................................................................................95

O M........................................................................................95

K E A A I O 3

E 97

.................................................................................................................................97

A ........................................................................................97

-K ................................................................................................................97

E ..............................................................................................97

E 3.1

H ...................................................99

3.1.1 E....................................................................................................................99

3.1.2 H B

............................................................................99

3.1.3 E .....................................100

3.1.4 K ..................................................................101

3.1.5 .................................................................................102

3.1.6 M .................................................................104

E 3.2

H E ............................114

E 3.3

H

.................................................................................121

E 3.4

.........................................126

E 3.5

O

E .....................................................................................130

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.............................................................................................................................132

: T : A /Y

: M ..........133

B....................................................................................................................135

O M......................................................................................136

K E A A I O 4

H

137

...............................................................................................................................137

A ......................................................................................137

-K ..............................................................................................................137

E ............................................................................................137

E 4.1

Home banking ..................................................................................................................139

E 4.2

Electronic banking Internet banking .........................................................................142

4.2.1 electronic banking............................................................................142

4.2.2 ..................................................148

E 4.3

...............................................................................................................156

4.3.1 .................................156

4.3.2 ......................................................157

4.3.3 .............................................................158

4.3.4 .......................................................................................159

.............................................................................................................................163

.......................................................................................................................164

B....................................................................................................................165

O M......................................................................................165

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K E A A I O 5

E

A 167

...............................................................................................................................167

A ......................................................................................167

-K ..............................................................................................................167

E ............................................................................................167

E 5.1

A T M (ATMs) .........................................................169

E 5.2

T (POS)...................................................176

..............................................................................................................................180

1.....................................................................................................................181

2: ATMs .............................181

3: ATMs: O ...........183

B....................................................................................................................186

K E A A I O 6

E 187

...............................................................................................................................187

A ......................................................................................187

-K ..............................................................................................................187

E ............................................................................................187

E 6.1

B .....................................189

6.1.1 -CIF .............................................................189

6.1.2 K...............................................................................................................191

6.1.3 X ..............................................................................................................194

6.1.4 T ..................................................................................................198

6.1.5 Treasury .......................................................201

13