Unit 6 Electronic Payment 电子商务英语教材.ppt

* * ? Warm-up ? Background Information ? Word Study Text Analysis ? Exercises Warm-up Read the following page from PayPal, and discuss the questions with your classmates: ? What is the program used for? ?List some similar programs you have encountered in your online experiences. Background Information 货币电子化、支付过程信息化是电子商务的重要特征之一。电子支付有很多方式，例如信用卡、电子支票、电子钱包、电子现金、电子资金转账等等。目前，影响电子商务能否成功的关键因素之一是电子支付的安全性。 Background Information eBay的PayPal、阿里巴巴的支付宝、易趣网的安付通、拍拍网的财付通等都是典型的第三方网上支付工具。支付宝的交易流程如下图： Text Analysis Credit card purchases: online versus offline Online Purchase Offline Purchase 1. The customer decides to purchase an item online, adding it to the electronic shopping cart and then going to the checkout page to enter his or her credit card information. 1. The customer selects an item to purchase and takes it to the checkout counter, then hands his or her credit card to the cashier. Online Purchase Offline Purchase 2. The merchant site receives the customer’s account information and transfers it to its payment processing service (PPS). 2. The cashier swipes the card and transfers the transaction information to a point of sale (POS) terminal. 3. The PPS routes the information to the processor (a large data center for processing transactions and settling funds to the merchant). 3. The POS terminal routes information to the processor. Text Analysis Online Purchase Offline Purchase 4. The processor sends information to the issuing bank of customer’s credit card. 4. The processor sends information to the issuing bank of the customer’s credit card. 5. The issuing bank sends the transaction to the processor, either authorizing the payment or not. (译文) 5. The issuing bank sends the transaction to the processor, either authorizing the payment or not. Text Analysis Online Purchase Offline Purchase 6. The processor routes the transaction result to the PPS. 6. The processor routes the transaction result to the POS. 7. The PPS passes the result to the me