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Electronic Commerce

Electronic Commerce. Information Management Department of CCNU. EC. Chapter 11 Payment Systems for Electronic Commerce. 2. Payment Cards( 支付卡 ). 4. 1. 3. On line Payment ( 在线支付 ) Basics. Electronic Cash( 电子现金 ). Electronic Wallet( 电子钱包 ). 5.

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Electronic Commerce

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  1. Electronic Commerce Information Management Department of CCNU www.themegallery.com

  2. www.ccnu.edu.cn EC Chapter 11 Payment Systems for Electronic Commerce

  3. 2 Payment Cards(支付卡) 4 1 3 On line Payment (在线支付) Basics Electronic Cash(电子现金) Electronic Wallet(电子钱包) 5 Stored-Value Cards(储值卡) 6 Internet Technologies and the Banking Industry www.ccnu.edu.cn EC Contents of Chapter 11

  4. www.ccnu.edu.cn EC Learning Objectives: In this chapter, you will learn about: (1) The basic functions of online payment systems (2) The use of payment cards in electronic commerce (3) The history and future of electronic cash (4) How electronic wallets work (5) The use of stored-value cards in electronic commerce (6) Internet technologies and the banking industry

  5. www.ccnu.edu.cn EC Part One Online Payment Basics

  6. www.ccnu.edu.cn EC Learning Objectives: (1) Payments cards (支付卡),electronic cash (电子现金), software wallets (电子钱包), and stored-value cards (储值卡) are four basic (2) electronic payment technologies.

  7. www.ccnu.edu.cn EC Contents 1 Online Payment Basics

  8. www.ccnu.edu.cn EC Online Payment Basics (cont.) 1 Online Payment Basics (1) Cash, checks, credit cards, and debit cards account for more than 90 percent of all consumer payments in the United States (2) Most popular consumer electronic transfers (电子转账) are automated payments of auto loans，insurance payments，mortgage payments (贷款) made from consumers' checking accounts(支票账户).Payment Methods for all Types of U.S. Consumer Transactions, 2005 Projections

  9. www.ccnu.edu.cn EC Electronic Commerce: The Second Wave (cont.) 1 Electronic commerce and Electronic business

  10. www.ccnu.edu.cn EC On line Payment Basics (cont.) 1 Online Payment Basics (continued) (3) Scrip (代币) ★ Digital cash minted(发行) by a company instead of by a government ★ Cannot be exchanged for cash ★Like a gift certificate (礼品券)that is good at more than one store

  11. www.ccnu.edu.cn EC Part Two Payment Cards(支付卡)

  12. www.ccnu.edu.cn EC Learning Objectives: (1) Payment cards is one of four payment technologies. We will learn about its properties ,advantage, disadvantages, and how does it work.

  13. www.ccnu.edu.cn EC Contents 1 Advantages and Disadvantages of Payment Cards 2 Payment Acceptance and Processing

  14. www.ccnu.edu.cn EC Payment Cards (cont.) 1 Advantages and Disadvantages of Payment Cards (1) Advantage ★ Worldwide acceptance ★ Built-in security (内置安全机制)for merchants (2) Disadvantage ★ Payment card service companies charge merchants per-transaction fees(交易费) and monthly processing fees(月服务费)

  15. www.ccnu.edu.cn EC Payment Cards (cont.) Steps followed once a merchant receives a consumer’s payment card information ★ Merchant authenticates(验证) payment card ★ Merchant checks with payment card issuer(发卡机构) To ensure that credit or funds are available Puts a hold on(冻结) the credit line or the funds needed to cover the charge ★ Settlement(结算) occurs 2 Payment Acceptance and Processing

  16. www.ccnu.edu.cn EC Payment Cards (cont.) (1) Open and Closed Loop System ★ Closed loop systems (封闭系统) Card issuer pays merchants that accept the card directly and does not use an intermediary(中间人) ★ Open loop systems(开放系统) Involve three or more parties Systems using Visa(维萨卡) or MasterCard(万事 达信用卡) are examples 2 Payment Acceptance and Processing (continued)

  17. www.ccnu.edu.cn EC Payment Cards (cont.) (2) Merchant Accounts(商家账户) ★ To process payment cards for Internet transactions an online merchant must set up a merchant account ★ New merchant must supply Business plan Details about existing bank accounts Business and personal credit history(信用历史) 2 Payment Acceptance and Processing (continued)

  18. www.ccnu.edu.cn EC Payment Cards (cont.) (3) Processing Payments Online ★ InternetSecure(因特网安全) Provides secure payment card services ★ First Data(公司名称) Provides merchant payment card processing services with the following programs ICVERIFY, PCAuthorize, and WebAuthorize ★ Banks connect to an Automated Clearing House (ACH)(自动清算所) through highly secure, private leased(专用) telephone lines Processing a Payment Card Transaction 2 Payment Acceptance and Processing (continued)

  19. www.ccnu.edu.cn

  20. www.ccnu.edu.cn EC Part Three Electronic Cash

  21. www.ccnu.edu.cn EC Learning Objectives: (1) The history and future of electronic cash (2) Privacy and Security of Electronic Cash (3) Advantages and Disadvantages of Electronic Cash (4) How Electronic Cash Works

  22. www.ccnu.edu.cn EC Contents 1 Micropayments and Small Payments 2 Privacy and Security of Electronic Cash 3 Holding Electronic Cash: Online and Offline Cash 4 Advantages and Disadvantages of Electronic Cash 5 How Electronic Cash Works 6 Providing Security for Electronic Cash 7 Electronic Cash Systems

  23. www.ccnu.edu.cn EC Electronic Cash (cont.) 1 Micropayments and Small Payments (1) Micropayments (微额支付) Internet payments for items costing from a few cents to approximately(大约) a dollar (2) Small payments (小额支付) Payments of less than $10

  24. www.ccnu.edu.cn EC Electronic Cash (cont.) (1) Concerns about electronic payment methods include ★ Privacy and security ★ Independence ★ Portability (便携) ★ Convenience (2) Advantages of electronic cash Independent and portable 2 Privacy(保密) and Security(安全) of Electronic Cash

  25. www.ccnu.edu.cn EC Electronic Cash (cont.) (1) Online cash storage (在线现金存储) ★Trusted third party(可信任的第三方) is involved in all transfers of electronic cash ★ Holds consumers’ cash accounts (2) Offline cash storage(离线现金存储) ★ Virtual equivalent of money kept in a wallet ★ No third party is involved in the transaction (3) Double-spending(重复消费) ★ Spending electronic cash twice 3 Holding Electronic Cash: Online and Offline Cash

  26. www.ccnu.edu.cn EC Electronic Cash (cont.) (1) Advantages of electronic cash ★ Transactions are more efficient ★ Transfer(转账) on the Internet costs less than processing credit card transactions (2) Disadvantages of electronic cash ★ Use provides no audit trail(查帐索引) ★ Problem of money laundering(洗钱) arises ★ Susceptible to forgery(容易伪造) 4 Advantages and Disadvantages of Electronic Cash

  27. www.ccnu.edu.cn EC Electronic Cash (cont.) (1) A consumer opens an account with an electronic cash issuer(电子现金发行所) and presents proof of identity. (2) The consumer can withdraw electronic cash by accessing the issuer's Web site and presenting proof of identity, such as a digital certificate issued by a certification authority, or a combination of a credit card number and a verifiable bank account number. (3) The issuer verifies the consumer's identify and gives the consumer a specific amount of electronic cash and deducts the same amount from the consumer's account. (4) The consumer can store the electronic cash in an electronic wallet on his or her computer, or on a stored- value card. 5 How Electronic Cash Works

  28. www.ccnu.edu.cn

  29. www.ccnu.edu.cn EC Electronic Cash (cont.) (1) Cryptographic algorithms(加密算法) ★ Keys to creating tamperproof(防止篡改) electronic cash that can be traced back to its origins (2) Anonymous electronic cash (匿名电子现金) ★ Electronic cash that cannot be traced back to the person who spent it (3) Creating truly anonymous electronic cash ★ Requires a bank to issue electronic cash with embedded(嵌入) serial numbers Detecting Double Spending of Electronic Cash 6 Providing Security for Electronic Cash

  30. www.ccnu.edu.cn

  31. www.ccnu.edu.cn EC Electronic Cash (cont.) (1) CheckFree (公司名称，全球最大的在线支付处理公司) ★ Largest online bill processor in the world ★ Provides online payment processing services (2) Clickshare（面向报刊出版商的电子现金系统） ★ An electronic cash system aimed at magazine and newspaper publishers (3) PayPal(一种非常流行的电子现金结算系统) ★ Provides payment processing services to businesses and to individuals ★ Peer-to-peer (P2P) payment system(对等支付系统) Free payment clearing service for individuals Pay Pal Payment Method Search Option on eBay Main Search Page 7 Electronic Cash Systems

  32. www.ccnu.edu.cn

  33. www.ccnu.edu.cn EC Part Four Electronic Wallet

  34. www.ccnu.edu.cn EC Learning Objectives: (1) How electronic wallets work (2) Learn two survival(幸存的) e-wallet Microsoft .NET Passport and Yahoo! Wallet

  35. www.ccnu.edu.cn EC Contents 1 Microsoft .NET Passport 2 Yahoo! Wallet 3 W3C Micropayment Standards Development Activity 4 The ECML Standard

  36. www.ccnu.edu.cn EC Electronic Wallet (cont.) 1 Microsoft .NET Passport (1) An electronic wallet operated by Microsoft (2) Passport consists of four integrated(完整的) services ★ Passport single sign-in(登陆) service (SSI) ★ Passport Wallet service ★ Kids Passport service(儿童不宜服务) ★ Public profiles(公开档案服务)

  37. www.ccnu.edu.cn

  38. www.ccnu.edu.cn EC Electronic Wallet (cont.) (1) Server side electronic wallet offered by Yahoo! (2) Lets users store information about several major credit and charge cards (3) Many industry observers(行业观察家) and privacy rights activist groups(隐私权保护组织) are concerned about electronic wallets 2 Yahoo! Wallet

  39. www.ccnu.edu.cn EC Electronic Wallet (cont.) (1) Common Markup for Micropayment Per-Fee-Links ★ Standards developed by W3C Electronic Commerce Interest Group (ECIG)(电子商务协会的 电子商务组) ★ Provide extensible(可扩展的) and interoperable(互可操作的) way to embed(嵌入) micropayment information in a Web page (2) Extensible system(可扩展系统) One that developers can add to (or extend) without voiding any earlier work on the system 3 W3C Micropayment Standards Development Activity

  40. www.ccnu.edu.cn

  41. www.ccnu.edu.cn EC Electronic Wallet (cont.) (1) Electronic Commerce Modeling Language (ECML) ★ Users can enter credit card and address information once into an ECML-capable(支持ECML的) electronic wallet ★ Users control access to their ECML electronic wallets 4 The ECML(电子商务语言模型) Standard

  42. www.ccnu.edu.cn EC Part Five Stored-Value Cards (储值卡)

  43. www.ccnu.edu.cn EC Learning Objectives: (1) The use of stored-value cards in electronic commerce (2) Magnetic Strip Cards and Smart Cards

  44. www.ccnu.edu.cn EC Contents 1 Magnetic Strip Cards(磁卡) 2 Smart Cards(智能卡)

  45. www.ccnu.edu.cn EC Stored-Value Cards (cont.) 1 Magnetic Strip Cards(磁卡) (1) Cannot send or receive information (2) Cannot increment or decrement(消耗) value of cash stored on the card (3) Processing must be done on a device(设备) into which the card is inserted (4) Smart card Better suited for Internet payment transactions

  46. www.ccnu.edu.cn EC Stored-Value Cards (cont.) (1) Stored-value cards (2) Can hold private user data, such as financial facts (3) Can store about 100 times more information than a magnetic strip plastic card (4) Safer than conventional(普通的) credit cards (图):Octopus Smart Card (Octopus 智能卡) Information on the Hong Kong City bus Site 2 Smart Cards(智能卡)

  47. www.ccnu.edu.cn

  48. www.ccnu.edu.cn EC Stored-Value Cards (cont.) (5) Smart Card Alliance(智能卡协会) ★ Promotes benefits of smart cards ★ Promotes widespread acceptance of multiple- application(多功能) smart card technology ★ Members include companies in banking, financial services, computer technology, and healthcare ★ Promotes compatibility among smart cards, card reader devices, and applications 2 Smart Cards(智能卡) (continued)

  49. www.ccnu.edu.cn EC Part Six Internet Technologies and the Banking Industry

  50. www.ccnu.edu.cn EC Learning Objectives: (1) Check Processing (2) Phishing Attacks

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