11Paymentsystemsforelectroniccommerce资料.pptVIP

Electronic Cash Holding electronic cash: online and offline Online cash storage: the consumer does not personally posses electronic cash. A third party (online bank) is involved in all transfers of e-cash. 在线存储 2. Offline cash storage: virtual equivalent of money kept in wallet. The consumer hold it, and no third party involved. 离线存储 Electronic Cash Advantages of e-cash: Most efficient; Transferring e-cash on the Internet costs less that processing credit card transactions. Disadvantages of e-cash Using e-cash provides no audit trail; Money laundering; E-cash is susceptible forgery (伪造); Global exchange inconvenience. How Paypal Works Paypal is the popular electronic cash payment system. Paypal earns a profit on the float, which is money that is deposited in Paypal accounts and not used immediately. 靠储备金盈利 Paypal provides to individuals is called a peer-to-peer (P2P) payment system because the payments are form one type of entity to another of the same type. 对等网络 Example: 支付宝的付款流程 Digital Wallets Concept of digital wallet relevant to many of the new digital payment systems Seeks to emulate the functionality of traditional wallet 与传统钱包功能相似 Most important functions: Authenticate consumer through use of digital certificates or other encryption methods 对消费者进行认证 Store and transfer value 资金存储和转移 Secure payment process from consumer to merchant 支付更加安全 Digital Wallet Two major categories: Client-based digital wallets – G, MasterCard Wallet 客户机端电子钱包：消费者在自己电脑上存储消费者的信息；用户自行下载安装；信息安全度较高； Server-based digital wallets – MSN Wallet 服务器端电子钱包：在商家服务器或电子钱包软件公司的服务器上存储消费者信息； * Types of Digital Wallets * Examples of Digital Cash Table 6.3, Page 326 * * May-June 2009 Learning Objectives The basic functions of online payment systems The use of payment cards in electronic commerce 结算卡的使用 The history and future of electronic cash 电子现金的发展历程 How electronic wallets work 电子钱包 The use of store-value cards in electronic commerce 储值卡的运用 Internet technologies and the banking indu