MBA电子商务Topic9课件.ppt

V3Topic9 V3Topic9 Topic 9 Electronic Payment Systems 勉平仑玖步受修锈卡贴彦何侍秸遇母笺簇诽凡睬潦恒钥责替瓜诣俩伞鬼庐MBA电子商务Topic9课件MBA电子商务Topic9课件 * Learning Objectives discuss the importance of electronic payment systems in electronic commerce describe the five types of B2C electronic payment systems currently available describe B2b electronic payment solutions Discuss payment-related issues 腥极哦镊佑疑豁耕牛胜疯邦蚜旦驯展旨绅宽相诫雁仁萝疫露肚芝牢捍橙冲MBA电子商务Topic9课件MBA电子商务Topic9课件 * Deficiencies of Credit Card Payments and The need for Alternative E-commerce Payments Traditional credit cards are still the dominating method of payment for online purchase although alternative methods such as Paypal and mobile payments Many of users will come from countries outside the United States, where the use of credit cards is not as prevalent and Many users are also likely to be younger and have less access to credit and debit cards The potential for fraud is high when credit cards are used online Merchants are responsible for fraudulent charges because online credit card purchases are treated as “card-not-present” transactions A large amount of fraud with online credit card shopping occurs that results in chargebacks to the merchants Many purchases they make will be micropayments ($10) The need for peer-to-peer payment methods and paying via mobile devices. 熔漫睹棋过膛越菲已赴蹄吃截瘤胖趋态础滞滦虫装讨但惑街拂棒镊首辙粪MBA电子商务Topic9课件MBA电子商务Topic9课件 * Online payment methods in 2011 in the U.S. (Laudon Traver 2012) Credit card: 44% Debit card: 28% Paypal: 12.5% Prepaid (gift) card: 7% Bill me later: 2% Google checkout: 1.5% Other: 5% 块穗赋疗蹭颤枉验驴冗耿碗创氓畜剖凭哮恿冤柳耐谣顿初蹿毙聊滨塔棠潜MBA电子商务Topic9课件MBA电子商务Topic9课件 * Customer/payer/buyer Merchant/payee/seller Issuer of e-payment instrument Regulator, i.e., federal reserve bank and other government agency Automated Clearing House (ACH) (US focus) Electronic network that connects all U.S. financial institutions for the purpose of making funds transfers A privately operated financial intermediary that tracks and transfer be