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1、Online Banking and E-payment E-money1.The definition of e-money2.The classification of e-money3.E-walletE-money is electronic information with basic functions of currency.The basic functions of currency include value scale,circulation means,storage means,payment means and world currency.Its circulat
2、ion means,storage means and payment means are realized by means of electronic information and supported by computers,communication network systems and public information platforms.1.The concepts of e-money The concept of credit cardCredit card refers to a credit payment instrument issued by a bank t
3、o the public.The functions include consumption credit,transfer and settlement,cash deposit and withdrawal,and identity recognition.Bank cards include debit card,credit card,and quasi-credit card.(1)Credit card2.The classification of E-money2.Confirmorder1.Send order The payment process of the credit
4、 card based on the SSL protocolCustomerMerchantCertificate authorityCustomer deposit bankMerchant deposit bankFinancial networkcertification3&4.Payment confirmation5.Payment successful6.Transfer7.Confirm(1)Credit card2.The classification of e-money Characteristics of The credit card payment process
5、based on SSL protocoln In the payment process,only the credit card payment information is encrypted,and the commodity information is directly transmitted to improve efficiency.n Use symmetric and asymmetric encryption technologies to ensure the integrity and confidentiality of information,and use CA
6、 certificate to identify identities.n Certification for merchants and banks is optional,and it improves payment efficiency.(1)Credit card2.The classification of e-money The concept of e-cashElectronic cash(e-cash)is a currency that is circulated in the form of electronic data,and is generally accept
7、ed by customers and merchants when purchasing goods or services through the Internet.E-cash has the characteristics of security,anonymity,convenience and flexibility,and low cost.(2)(2)E-cash2.The classification of e-money E-cash payment processBank Customer Merchant 3.E-cash payment2.Save e-cash5.C
8、heck7.ConfirmE-cash register 1.Exchange e-cash 2.Save e-cash3.E-cash payment4.Inspection or exchange5.Check6.Confirm or transfer 7.Confirm(2)(2)E-cash2.The classification of e-money The applications and solutions of e-cashn NetCashn E-Cashn Cyber Coin(2)(2)E-cash2.The classification of e-money The c
9、oncept of e-checkE-check(electronic check)is a form of payment made via the Internet,or another data network,designed to perform the same function as a conventional paper check.E-check includes payers name,payers financial institution,payers account number,payees name,check amount,etc.2.The classifi
10、cation of e-money(3)E-check2.The classification of e-money E-check payment processBuyerSellerSellers deposit bankBuyers deposit bankCertification CenterVerify6.Send e-check5.Send e-checkFinancial private networkVerify7.Cash1.Order confirmation2.E-check signature4.Endorse e-check1.Order confirmation2
11、.E-check signature3.Payment notification3.Send e-check documents4.Endorse e-check5.Send e-check6.Send e-check7.Cash(3)E-check(1)E-wallet(electronic wallet)is software and it makes e-transactions secure and keeps records.(2)The software compositions and functions of e-walletl E-wallet manager:store information required for payment such as credit cards,e-cash,and digital certificates.l E-transaction recorder:save users shopping records.3.E-walletOnline Banking and E-payment E-money