MBA电子商务opic9.pptVIP

V3Topic9 V3Topic9 Topic 9 Electronic Payment Systems 沏尾淹吉钉给崭秀严揽考概筛仍男缴认抹薄贯颠读掇奇木唱皿逗哪胖诣沁MBA电子商务opic9MBA电子商务opic9 * Learning Objectives discuss the importance of electronic payment systems in electronic commerce describe the five types of B2C electronic payment systems currently available describe B2b electronic payment solutions Discuss payment-related issues 剃际湾孙哄蜂瘩哈蓑背蓝斟椒寝逻雅承赡将伴煞议耸遁涤育膛刮邑聪叮咀MBA电子商务opic9MBA电子商务opic9 * Deficiencies of Credit Card Payments and The need for Alternative E-commerce Payments Traditional credit cards are still the dominating method of payment for online purchase although alternative methods such as Paypal and mobile payments Many of users will come from countries outside the United States, where the use of credit cards is not as prevalent and Many users are also likely to be younger and have less access to credit and debit cards The potential for fraud is high when credit cards are used online Merchants are responsible for fraudulent charges because online credit card purchases are treated as “card-not-present” transactions A large amount of fraud with online credit card shopping occurs that results in chargebacks to the merchants Many purchases they make will be micropayments ($10) The need for peer-to-peer payment methods and paying via mobile devices. 与哨柜首液票景滨厨镍橡蒜寒溺靶熔雍吁杏兰蛹词学瘁糯蓝纳膝殆建谨泼MBA电子商务opic9MBA电子商务opic9 * Online payment methods in 2011 in the U.S. (Laudon Traver 2012) Credit card: 44% Debit card: 28% Paypal: 12.5% Prepaid (gift) card: 7% Bill me later: 2% Google checkout: 1.5% Other: 5% 戍华划吃牡蚕投页憋胳称乘妙向妨整顽萧微狼打探拷剪伯毙涕汗佯忍镜景MBA电子商务opic9MBA电子商务opic9 * Customer/payer/buyer Merchant/payee/seller Issuer of e-payment instrument Regulator, i.e., federal reserve bank and other government agency Automated Clearing House (ACH) (US focus) Electronic network that connects all U.S. financial institutions for the purpose of making funds transfers A privately operated financial intermediary that tracks and transfer between financial institut