【正文】 種標(biāo)識(shí)方法。如打電話、訪問ATM機(jī)、支付公共交通費(fèi)用， 智能卡還用于存儲(chǔ)個(gè)人身份信息、醫(yī)療信息以及保險(xiǎn)信息。在這種情況下，顧客的信息 駐留在金融機(jī)構(gòu)或者電子錢包供應(yīng)商的服務(wù)器上，而不是用戶的PC機(jī)上。盡管電子錢包對 P客是免費(fèi)的，然而卻向商家收費(fèi)。數(shù)據(jù)一旦被輸入，就自動(dòng)轉(zhuǎn)移到商家網(wǎng)站的訂貨域。數(shù)字現(xiàn)金的主要特征之一就是，它是不記名的、可以重復(fù)使用的。這除了減少在線信用卡交易中許多人都有的安全考慮因素之外，數(shù)字現(xiàn)金允許那些沒有信用卡的在線購物?！　here, the buyer’s account information is verified. This involves the issuing bank (the bank from which the buyer obtained the credit card and the creditcard association) .　　買方賬戶信息從此得到驗(yàn)證?！　o accept creditcard payments, a merchant must have a merchant account with a bank. Traditional merchant accounts accept only POS ( PointOfSale) transactions，or those that occur when you present your credit card at a store. With the growth in Emerce ,specialized Internet merchant accounts have been established to handle online creditcard transactions. These include cardnotpresent ( CNP) transactions. For example, when purchasing on the Web, the card number and expiration dates can be provided ，but the jnerchant does not see the actual card being used in the purchase. A merchant account can be established through either a bank or a third party service.　　為接受信用卡支付，商家必須在銀行開設(shè)商業(yè)賬戶。一些公司甚至?xí)l(fā)給你一封關(guān)于這張即時(shí)批核信用卡的信息的電子郵件，或者你能夠訪問他們的網(wǎng)站檢查你的在線信用卡申請的狀態(tài)。支付信息移至在線交易服務(wù)器，信用卡是否有效以及是否有足夠的金額支付產(chǎn)品決定了是否可以進(jìn)行支付。如今，人們談?wù)摰臒狳c(diǎn)話題就是顧客如何能便捷地獲得在線商品或服務(wù)?！　≈悄芸煞譃榻佑|式和非接觸式，為了讀取智能卡上的信息和更新電腦芯片上的信息，接觸式智能卡需要放入智能卡閱讀器、非接觸式智能卡有一個(gè)線圈天線和電腦內(nèi)置芯片，使卡能傳輸信息，它比接觸式智能卡的信息交換速度要快。由于智能卡在存儲(chǔ)在線 交易時(shí)使用的數(shù)字現(xiàn)金方面的優(yōu)勢，全球智能卡的使用將會(huì)急劇增加。傳統(tǒng)支付交易都以紙質(zhì)形式出現(xiàn)，如支票、發(fā)票、信用卡或現(xiàn)金。電子支付流程如下：　　A customer who decides to purchase an item from an online business is transferred to a secure server where he or she enters a credit card number. The information entered into the secure server is encrypted using security technologies. The payment information moves to the online transaction server, where the payment is authorized or declined, depending on whether the credit card number is valid and the customer has adequate money to cover the purchase. If the credit card information is valid and funds are available and adequate, the information is transmitted to the institution or organization that receives payment owed to the merchant, and a deposit is made to the merchant’s bank account. The customer is informed that the transaction has been processed，and shipping of the goods has been initiated. If the goods are shipped electronically, such as a downloadable puter game, then the entire process could acplish within one or two minutes from the time the customer submits the payment to the time that the file appears on the customer’s hard drive, depending on the size of the file and the puters download speed.　　在線購買商品的顧客在安全的服務(wù)器上輸入信用卡號(hào)，該信息使用安全技術(shù)被加密。如果你的申請被批準(zhǔn)的話，幾天后你會(huì)收到一封內(nèi)含你新申請的信用卡的郵件。如果顯示的是 ,那就證明是安全受保護(hù)的頁面，你的信息將會(huì)被加密發(fā)送?！　he merchant submits the credit card information to the acquiring bank (the bank with which the merchant holds an account).　　商家將信用卡信息提交到收款行（即商家開戶的銀行）。數(shù)字現(xiàn)金常常隨其他支付技術(shù)如電子錢包使用。每個(gè)號(hào)碼均由某家銀行發(fā)行并表示某特定數(shù)目的真實(shí)貨幣。它以加密形式保存用戶的支付信息，以確保信息的安全性。用戶也能從錢包供應(yīng)商的站點(diǎn)上得到錢包?！　ith a serverbased wallet，a user fills out his personal information，and a cookie is automatically downloaded. ( A cookie is a text file that contains information about the user. ) In this situation, the consumer’s information resides on the server of a financial institution or an electronic wallet vendor rather than on the user’s PC.　　使用基于服務(wù)器的錢包時(shí)，用戶填寫其個(gè)人信息，并自動(dòng)下載cookie文件 (cookie文件是一個(gè)包括了有關(guān)用戶信息的文本文件）。因?yàn)橹萌肓擞?jì)算機(jī)芯片，智能卡能比通常的信用卡儲(chǔ)存更多的信息。為表示對安全問題的關(guān)注，卡面上設(shè)有圖像來