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Online Payment Process-B2C Card Holder Card Issuer’s Bank Merchant 1 2 3 4 5 2 3 Model 4: NON-SET Banking card (no merchant involved) (SSL) 1.Card holder: logging on Web site 2.Card holder: online shopping, entering card issuer’s bank website 3.Card holder: verifying Web site identity of card issuer’s bank, entering payment data 4.Card issuer’s bank: dealing with payment data, transferring money 5.Merchant: regularly checking transaction results, arranging delivery Note: 1.step 2/3 happens simultaneously 2.banking card includes credit card, debit card, saving