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1、Chapter 11,Electronic Commerce Payments, Order Fulfillment, and Other Support Services,1,Learning Objectives,Understand the shifts that are occurring with regard to noncash and online payments. Discuss the players and processes involved in using credit cards online. Discuss the different categories
2、and potential uses of smart cards. Discuss various online alternatives to credit card payments and identify under what circumstances they are best used. Describe the processes and parties involved in e-checking.,2,Learning Objectives,Describe payment methods in B2B EC, including payments for global
3、trade. Define EC order fulfillment and describe the EC order fulfillment process. Describe the major problems of EC order fulfillment. Describe various solutions to EC order fulfillment problems. Discuss support services provided by general consulting and outsourcing firms.,3,The Payment Revolution,
4、Crucial factors that determine whether a method of e-payment achieves critical mass: Independence Interoperability and Portability Security Anonymity Divisibility Ease of Use Transaction Fees Regulations,4,Using Payment Cards Online,payment card Electronic card that contains information that can be
5、used for payment purposes. Credit cards Charge cards Debit cards,5,Using Payment Cards Online,PROCESSING CARDS ONLINE authorization Determines whether a buyers card is active and whether the customer has sufficient funds. settlement Transferring money from the buyers to the merchants account. paymen
6、t service provider (PSP) A third-party service connecting a merchants EC systems to the appropriate acquirers; PSPs must be registered with the various card associations they support.,6,Using Payment Cards Online,FRAUDULENT CARD TRANSACTIONS Address Verification System (AVS) Detects fraud by compari
7、ng the address entered on a Web page with the address information on file with the cardholders issuing bank. card verification number (CVN) Detects fraud by comparing the verification number printed on the signature strip on the back of the card with the information on file with the cardholders issu
8、ing bank.,7,Smart Cards,smart card An electronic card containing an embedded microchip that enables predefined operations or the addition, deletion, or manipulation of information on the card.,8,Smart Cards,9,Smart Cards,TYPES OF SMART CARDS contact card A smart card containing a small gold plate on
9、 the face that when inserted in a smart card reader makes contact and passes data to and from the embedded microchip. contactless (proximity) card A smart card with an embedded antenna, by means of which data and applications are passed to and from a card reader unit or other device without contact
10、between the card and the card reader.,10,Smart Cards,smart card reader Activates and reads the contents of the chip on a smart card, usually passing the information on to a host system. smart card operating system Special system that handles file management, security, input/output (I/O), and command
11、 execution and provides an application programming interface (API) for a smart card.,11,Smart Cards,APPLICATIONS OF SMART CARDS Retail Purchases Transit Fares SECURING SMART CARDS,12,Stored-Value Cards,stored-value card A card that has monetary value loaded onto it and that usually is rechargeable.,
12、13,E-Micropayments,e-micropayments Small online payments, typically under $5. Five basic micropayment models: Aggregation Direct payment Stored value Subscriptions la carte,14,E-Checking,e-check A legally valid electronic version or representation of a paper check. Automated Clearing House (ACH) Net
13、work A nationwide batch-oriented electronic funds transfer system that provides for the interbank clearing of electronic payments for participating financial institutions.,15,E-Checking,16,B2B Electronic Payments,CURRENT B2B PAYMENT PRACTICES enterprise invoice presentment and payment (EIPP) Present
14、ing and paying B2B invoices online.,17,B2B Electronic Payments,EIPP Models Seller Direct Buyer Direct Consolidator EIPP Options ACH Network purchasing cards (p-cards) Special-purpose payment cards issued to a companys employees to be used solely for purchasing nonstrategic materials and services up
15、to a preset dollar limit.,18,B2B Electronic Payments,Fedwire letter of credit (L/C) A written agreement by a bank to pay the seller, on account of the buyer, a sum of money upon presentation of certain documents.,19,Order Fulfillment and LogisticsAn Overview,order fulfillment All the activities need
16、ed to provide customers with their ordered goods and services, including related customer services. back-office operations The activities that support fulfillment of orders, such as packing, delivery, accounting, inventory management and shipping front-office operations The business processes, such as sales and advertising, that are visible to customers.,20,Order Fulfillment and LogisticsAn Overview,logistics The operations involved in the efficient and effective flow and storage of goods, servi
