电子商务07电子货币与网上结算.pdf

E-Business 第七章 电子货币与网上结算 上海交通大学计算机系 吴晨涛 wuct@ Learning Objectives In this chapter, you will learn about:  The basic functions of online payment systems  The use of payment cards in electronic commerce  The history and future of electronic cash  How electronic wallets work  The use of stored-value cards in electronic commerce  Internet technologies and the banking industry 2 2 1 Online Payment Basics  E-commerce  Exchange money for goods or services  Important function: handling Internet payments  B2B payment transactions  Electronic funds transfers (EFTs)  B2C payment transactions  Evolving and competing for dominance  Customer convenience, saves companies money  Bill mailed by mail costs $1.00 to $1.50  Internet billing cost: 50 cents 3 Online Payment Basics (cont’d.)  Four basic means to purchase items in B2C (traditional and electronic)  Cash, checks, credit cards, debit cards  Electronic transfer: small but growing  Most popular: automated payments  Credit cards  Worldwide: 90% of online payments  United States: 97% of online payments 4 Online Payment Basics (cont’d.)  现金交易的缺陷  受时间和空间的限制，对于不在同一时间、同一地 点进行的交易，就无法采用现金支付的方式。  现金表面金额的固定性意味着在大宗交易中需携带 大量的现金，这种携带的不便性以及由此产生的不 安全性在一定程度上限制了现金作为支付手段的采 用。 5 Online Payment Basics (cont’d.)