电子商务英语课件.ppt

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1、Unit5PaymentofElectronicCommerce学习指导：本章将介绍：电子商务结算系统的基本功能网上支付工具储值卡在电子商务中的地位互联网技术在银行业的应用5.1IntroductiontoOnlinePaymentAnimportantfunctionofelectroniccommercesitesisthehandlingofpaymentsovertheInternet.Mostelectroniccommerceinvolvestheexchangeofsomeformof

2、moneyforgoodsorservices.,Inthischapter,youwilllearnaboutanumberofonlinepaymentalternativesthatareavailabletoindividualconsumers.5.1.1TheAdvantagesofOnlinePaymentsystemsforelectroniccommerceOnlinepaymentsystemsforconsumerelectroniccommercearestillevolvi

3、ng.Anumberofproposalsandimplementationsofpaymentsystemscurrentlycompetefordominance.Regardlessofformat,electronicpaymentsarefarcheaperthanmailingpaperchecks.Electronicpaymentscanbeconvenientforcustomersandcansavecompaniesmoney.Estimatesofthecostofbilli

4、ngonepersonbymailrangebetween$1and$1.50.SendingbillsandreceivingpaymentsovertheInternetcandropthetransactioncosttoanaverageof50centsperbill.Thetotalsavingsishugewhentheunitcostismultipliedbythenumberofcustomerswhocoulduseelectronicpayment.Forexample,at

5、elephonecompanyinamajormetropolitanareamighthave5millioncustomers,eachofwhomreceivesabilleverymonth.Inoneyear,asavingsof50centsoneachofthose60millionbillsaddsuptoabout$30million.Theenvironmentalimpactisalsosignificant.Those60millionpaperbillsweighabout

6、1.7millionpounds.Ittakes2200treestomakethatmuchpaper——alongwiththeenergyconsumedandthewastesgeneratedinthepaper-makingprocess.5.1.2theModesofElectronicPaymentToday,fourbasicwaystopayforpurchasesdominatebothtraditionalandelectronicbusiness-to-consumerco

7、mmerce.Cash,checks,creditcards,anddebitcardsaccountformorethan90percentofallconsumerpaymentsintheUnitedStates.Asmallbutgrowingpercentageofconsumerpaymentsaremadebyelectronictransfer.Themostpopularconsumerelectronictransfersareautomatedpaymentsofautoloa

8、ns,insurancepayments,andmortgagepaymentsmadefromconsumers'checkingaccounts.Creditcardsarebyfarthemostpopularmethodthatconsumersusetopayforonlinepurchases.Recentsurveyshavefoundthatmorethan85percentofworldwideconsumerInternetpurchasesare