电子商务(双语)第七章.ppt

《电子商务(双语)第七章.ppt》由会员上传分享，免费在线阅读，更多相关内容在PPT专区-天天文库。

1、Chapter8ElectronicPaymentSystems©PrenticeHall2004LearningObjectivesUnderstandthecrucialfactorsthatdeterminethesuccessofe-paymentmethods.Discusstheplayersandprocessesinvolvedinusingcreditcardsonline.Discussthedifferentcategoriesandpotentialusesofsmartcards.LearningObjectives(

2、cont.)Discussvariousonlinealternativestocreditcardpaymentsandidentifyunderwhatcircumstancestheyarebestused.Describetheprocessesandpartiesinvolvedine-checking.LearningObjectives(cont.)DescribepaymentmethodsinB2BEC,includingpaymentsforglobaltrade.Discussbillpresentmentandpayme

3、nt.Describespecialpaymentmethods.LensDocOrganizesPaymentsOnlineLensDocisanonlineretailerofcontactlenses,sunandmagnifyingglasses,anddentalcareandpersonalcareproductsCustomerspaywithacreditcardCreditcardsalsomakeiteasyforacustomertoreturnanitemandreceivecreditforthereturnLensD

4、ocOrganizesPaymentsOnline(cont.)PeopletrycontactlensesandreturnthemiftheyarenotsatisfiedU.S.regulationsprohibitthereturnofcontactlensesthathavebeenusedLensDochadtodiscardthelensesandtotakealossLensDocOrganizesPaymentsOnline(cont.)TheSolutionLensDocimplementedspecialhandlingp

5、roceduresforauthorizingonlinecreditcardpurchasescompanymanuallyprocessescreditcardorderscustomersmustfaxaformthatincludesthecardholder’saddressaswellastheshippingaddressLensDocOrganizesPaymentsOnline(cont.)TheResultsManualprocessingofcreditcardpaymentsisslowandsolvessomeprob

6、lemsHowever,thedisadvantagesofalternativee-paymentmethodseemtooutweightheadvantages(cashcards,specialcard-swipingperipherals,creditcardprocessingservices)LensDocOrganizesPaymentsOnline(cont.)Whatwecanlearn…ThepotentialforfraudishighwhencreditcardsareusedonlineMerchantsareres

7、ponsibleforfraudulentchargesbecauseonlinecreditcardpurchasesaretreatedas“card-not-present”transactionsBy2002,e-tailersbegantoviewcreditcardfraudasasolvableproblemElectronicPaymentsE-payments:paymentsmadeonlineTheoverwhelmingmajorityofWebpurchasesaremadewithcreditcardsThismay

8、changeinthefutureDeficienciesofCreditCardPaymentsE-payments:paymentsmadeonl