电子商务（双语）chapter9.pptVIP

Electronic Commerce Chapter 9: Payment Systems For Electronic Commerce Learning Objectives In this chapter, you will learn about: The basic functions of online payment systems (结算系统) The use of payment cards (结算卡) in electronic commerce The history and future of electronic cash (电子现金) Learning Objectives (Cont’d) How electronic wallets (电子钱包) work The use of stored-value cards (储值卡) in electronic commerce Internet technologies and the banking industry (银行业) Online Payment Basics An important function of EC sites is handling of payments over Internet Four basic ways to pay for purchases dominate both traditional and electronic B2C commerce: cash (现金), checks (支票), credit cards (信用卡), and debit cards (借记卡) which account for more than 90 percent of all consumer payments in the United States Online Payment Basics (Cont’d) Most popular consumer electronic transfers are automated payments of Auto loans (汽车贷款) Insurance payments (保险费) Mortgage payments (还贷) made from consumers’ checking accounts (活期存款账户) Online Payment Basics (Cont’d) Scrip (代币) Digital cash minted (铸造) by a company instead of by a government Cannot be exchanged for cash Must be exchanged for goods or services by company that issued the scrip Like a gift certificate (礼品券) that is good at more than one store Businesses should provide multiple secure, convenient, and widely accepted payment methods for customers – Key is to find the best payment method that suits both you and your customer the best Payment Cards (结算卡) Describe all types of plastic cards used to make purchases Main categories of payment cards are credit cards, debit cards, and charge cards (签账卡) Credit Cards Has spending limit based on user’s credit history User can pay off (偿清欠款) entire credit card balance or pay a minimum amount each billing period (记帐期) Online credit card purchases are similar to telephone purchases in that card holder is not present, which is called card not present transactions (不出示卡交易) Debit Cards Removes am