电子商务(双语)第七章.pptVIP

Chapter 8 Electronic Payment Systems Learning Objectives Understand the crucial factors that determine the success of e-payment methods. Discuss the players and processes involved in using credit cards online. Discuss the different categories and potential uses of smart cards. Learning Objectives (cont.) Discuss various online alternatives to credit card payments and identify under what circumstances they are best used. Describe the processes and parties involved in e-checking. Learning Objectives (cont.) Describe payment methods in B2B EC, including payments for global trade. Discuss bill presentment and payment. Describe special payment methods. LensDoc Organizes Payments Online LensDoc is an online retailer of contact lenses, sun and magnifying glasses, and dental care and personal care products Customers pay with a credit card Credit cards also make it easy for a customer to return an item and receive credit for the return LensDoc Organizes Payments Online (cont.) People try contact lenses and return them if they are not satisfied U.S. regulations prohibit the return of contact lenses that have been used LensDoc had to discard the lenses and to take a loss LensDoc Organizes Payments Online (cont.) The Solution LensDoc implemented special handling procedures for authorizing online credit card purchases company manually processes credit card orders customers must fax a form that includes the cardholder’s address as well as the shipping address LensDoc Organizes Payments Online (cont.) The Results Manual processing of credit card payments is slow and solves some problems However, the disadvantages of alternative e-payment method seem to outweigh the advantages (cash cards, special card-swiping peripherals, credit card processing services) LensDoc Organizes Payments Online (cont.) What we can learn… The potential for fraud is high when credit cards are used online Merchants are responsible for fraudulent charges because online credit card purchases are trea