电子金融转帐(Electronic Funds Transfer,EFT)

电子金融转帐即使用电子数据交换作业，进行资金的转移及调拨。

电子金融转帐包含三项机制:

一. 在安全机置上，有身份确认(identification)及授权 (authentication)的功能，可允许不同的层级进行管理，并在交易失败时，系统会自动回复(roll back)至原来的状态。

二. 在配合清算中心的结算功能，可进行跨行的转帐作业。

三. EFT的收费方式系以收取信息交换的服务费用(Transaction)，不同于传统的由信用卡的交易额度百分笔数之收费方式，较适合大金额之资金移转。

Electronic funds transfer (EFT) is the electronic transfer of money from one bank account to another, either within a single financial institution or across multiple institutions, through computer-based systems and without the direct intervention of bank staff. EFTs are known by a number of names. In the United States, they may be referred to as electronic checks or e-checks.