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1、ObjectivesoDefine electronic PaymentoIdentify e-payment optionsoExplore e-cashoUnderstand credit card issuesoDefine merchant accountsoExplore online payment servicesoUnderstand transaction processingDefining Electronic paymentoAn electronic payment is a payment that is transmitted electronically eit
2、her over telephone lines, or between Web sites on the Internet. oAny information required to make the payment, such as credit card number or Personal Identification Number (PIN), existed only in digital form. oThe use of electronic methods to pay bills and purchase products online is growing as the
3、Internet grows. Transaction GrowthoElectronic Data Interchange Electronic Data Interchange (EDI) describes the electronic transfer of data between companies engaged in B2B e-commerce. Activities suitable for EDI include placing orders with supplies, issuing invoices, and processing payment. EDI can
4、also be described as paperless trading. Table F-1 describes some of the benefits of EDI for B2B e-commerce.o正确理解EDI的含义应把握以下三点：oEDI是计算机应用系统之间的数据传输 ;oEDI使用统一的标准编制被传输的资料; oEDI使用电子方式进行数据的传输。oEDI从20世纪60年代提出概念，70年代开始应用，80年代完善标准，90年代风行世界。已经发展40年。o实施实施EDIEDI的效益的效益: : 缩短交易时间，提高工作效率; 减少文件处理成本;员工成本的减少;可以减少库存;避
5、免重复操作，减少人为差错，提高工作质量。 The infrastructure of electronic payment system银行网络CA信用体系 客户：支付工具 商家：后台服务器 Internet 支付网关 支付网关 客户开户行： 商家开户行：提供支付工具 处理账单网上支付体系的基本构成网上支付体系的基本构成oThe methods used to pay for products and services online include credit cards,Electronic cash(e-cash), software wallets and smart cards.oC
6、redit Cards A credit card provides a consumer with a preset spending limit, such as $2000, $5000, or $10000. Some analysts maintain that up to 90 percent of all consumer transaction are made with a credit card such as Visa or MasterCard.Identifying E-payment OptionsoE-Check An e-check is encrypted r
7、epresentation of a paper check. Consumers fill in the check online, then send it via a secure server to the recipient.oE-Cash E-Cash is also referred to as scrip, digital cash, or digital coins. A consumer can buy e-cash and store it in a digital wallet on a hard drive.oSmart Cards Smart cards look
8、like credit cards, but are embedded with a low-cost integrated microprocessor chip that provide the consumer with the means to conduct everyday transactions, such as making phone calls, accessing an Automatic Teller Machine(ATM), and Paying for public transportation. Already very popular in Europe i
9、n the form of phone cards and transportation cards. Electronic WalletsoElectronic Wallets, or e-wallets, are also referred to as digital wallets. An e-wallet is a software program that contain a users payment information in encrypted form to ensure its security. For example, an individuals e-wallet
10、could contain credit card numbers, bank account numbers, contact information, and shipping location. Exploring E-cashoOne advantage of e-cash is that it can be spent in very small increment, called micro payments. Because most credit cards cant handle payment under $1.00 or even $5.00, people might
11、start using e-cash to make payments in very small amounts, such as 10 or 20 cents, to receive products in digital form. For example, a micro payment of 20 cents could be required to download an article or a chapter of an electronic book.电子现金实例o Digicash（ecash）oDigicash公司创始人David Chaum在荷兰成立了这家公司，后来又搬
12、到美国硅谷。1998年因为财务困难，Digicash公司申请破产，1999年Digicash的技术和资产卖给了ecash公司。2002年ecash被InfoSpace公司收购。eCeC发行的电子现金称为eCoin，主要用于小额联机支付。eCoin系统主要由消费者、商家和eCoin服务器组成。o支付工具paypaloPaypal是一个免费提供的联机小额支付工具，主要依靠注册用户帐号里存储的资金利息来盈利。该网站目前已经被ebay收购，网站业务中大约有一半是来自联机拍卖的小额支付。注册过程Understanding Credit Card IssuesoFor an online business
13、, credit card transaction are essential for fiscal survival. On the negative side, a wide range of costs are involved in processing credit card payments. In addition, companies are increasingly concerned about the risk of fraud that results from the anonymity made possible by buying on the Internet.
14、oTwo principal options are available to a company that wants to accept credit card payment online.o The first option is to obtain a merchant account, and either purchase transaction-processing software, or pay a transaction-processing service.oThe second option is to select a payment-processing serv
15、ice or packaged e-commerce solution that will handle all the transactions and activities related to accepting, verifying,and processing online credit card payments.Transaction-processing ParticipantsoProcessing credit cards requires the participation of three companies or organizations:the acquiring
16、 institution, the transaction processing service, and the issuing institution.othe acquiring institution: is the company that issue the merchant account to the online business.oTransaction-processing Service: such as Authorize.Net and CyberCash authorize the credit card transaction; they make sure t
17、hat the person using the credit card is the person who is entitled to use the credit card.oIssuing Institution: Usually a bankDefining Merchant AccountsoA business operating in the real world must obtain a merchant account in order to accept credit card payments. When a business goes on the Internet
18、, it can choose to upgrade its existing merchant account to accept online credit card payments, obtain a new online merchant account, or use a payment-processing service.oThe bank or financial institution that sets up a merchant account for a company is called a Merchant Account Provider(MAP). oMost
19、 MAPs charge a fixed per-transaction fee ranging from approximately $.30 to $1.00 per transaction. In addition, MAPs might charge a percentage of the sale price, a fixed monthly fee, and a one-time setup fee.Exploring Online Payment ServicesoAn online business can accept credit card orders by settin
20、g up an account with an online payment service. The service are also referred to as credit card-processing services.oSome online payment services process credit card payments for online business without requiring the business to have merchant account status, some provide merchant accounts at reduced
21、 rates, and some will process credit card payments for companies that do not have merchant accounts.Understanding Transaction ProcessingoAn online transaction-processing company will authorize and approve credit card orders placed at an online store so that shoppers with valid credit cards can compl
22、ete their purchases in real time. One of the largest transaction-processing businesses is Authorize.Net. Other companies include CyberCash, ClickPay, and InternetSecure. oReal-time Authorization: Transaction-processing services verify credit card payments in real time.oOptionsoA business with a merc
23、hant account can accept credit card payment online. However, a business cannot process the payments online in real time without the assistance of a transaction-processing service(also called a gateway service).oA Web site without a connection to a gateway service would need to go offline to process
24、credit card payments using a credit card reader, just as they would in a retail store.oAn online business needs to choose whether to use a transaction-processing service to process credit card payments in real time, or to process credit card payments in batches at intervals, such as once a hour or o
25、nce a day. q Payment-processing ProcedureA way that make a Web site e-commerce site is as following:oObtain a merchant account;oPurchase a digital certificate to securely identify the company;oSet up a contract with a gateway or transaction-processing service such as Internet Secure or Authorize.Net
26、.oConfigure the software program to communicate with the transaction-processing company.“How it works” diagram of Authorize.Net第三方电子支付公司第三方电子支付公司的收费标准实验一oUnit F-Explore the Paypal o( )o浏览Paypal网站，请对Paypal作一简单介绍.实验二 Group AssignmentoTopic: Payment Options of Web Siteo请浏览当当网和卓越网，了解大型购物网站的支付方式；o请浏览你公司的竞争者的网站，了解其网站的支付方式；o确定你小组公司的网站的支付方式。o写小组报告，说明你小组公司网站的支付方式。实验三oOnline Payment Service-ECF02 从( 选取一家公司，选择其一种产品，了解其各种费用，并记录。由于收费项目不同，可以对ECF02表中的收费项目进行修改。 登陆国内网站，如“网银在线”、“云网”,选择其中的一种产品，了解该产品的收费情况，并记录。