第九章第四、五节.pptVIP

E-Cash and Innovative Payment Methods E-cash—the digital equivalent of paper currency and coins, which enables secure and anonymous purchase of low-priced items Micropayments—small payments, usually under $10 E-C System consists of three participants: User Opens an account with eC Downloads a special e-wallet to their desktop PC Purchases some eCoins with a credit card Merchant—embeds a special eCoin icon in its payment page eCoin server—operates as a broker Keeps customer and merchant accounts Accepts payment requests from the customer’s e-wallet Computes embedded invoices for the merchant E-Cash and Payment Card Alternatives (cont.) Wireless payments Vodafone “m-pay bill” system that enables wireless subscribers to use their mobile phones to make micropayments Qpass () Charges to qpass account, are charged to a specified credit card on a monthly basis Stored-Value Cards Stores cash downloaded from bank or credit card account Visa cash—a stored-value card designed to handle small purchases or micropayments; sponsored by Visa Mondex—a stored-value card designed to handle small purchases or micropayments; sponsored by Mondex, a subsidiary of MasterCard E-Loyalty and Reward Programs Loyalty programs online B2C sites spend hundreds of dollars acquiring new customers Payback only comes from repeat customers who are likely to refer other customers to a site Electronic script—a form of electronic money (or points), issued by a third party as part of a loyalty program; can be used by consumers to make purchases at participating stores E-Loyalty and Reward Programs (cont.) Beenz—a form of electronic script offered by that consumers earn at participating sites and redeem for products or services Consumer earns beenz by visiting, registering, or purchasing at 300 participating sites Beenz are stored and used for later purchases Partnered with MasterCard to offer rewardzcard—stored-value card used in U.S. and Canada for purchases where MasterCard is accepted Transfer b