【正文】 usiness Information Systems Chapter 9 ECommerce: Digital Markets, Digital Goods ? Although mmerce represents small fraction of total emerce transactions, revenue has been steadily growing ? Locationbased services ? Banking and financial services ? Wireless Advertising ? Games and entertainment 169。 2022 by Prentice Hall Electronic Commerce Essentials of Business Information Systems Chapter 9 ECommerce: Digital Markets, Digital Goods Figure 98 Mmerce sales represent a small fraction of total emerce sales, but that percentage is steadily growing. (Totals for 2022–2022 are estimated.) Global Mmerce Revenue 20222022 169。 2022 by Prentice Hall ? Cell phones and mobile handhelds ? Data limitations ? Display size ? Wireless portals (mobile portals) ? Feature content and services optimized for mobile devices to steer users to information they are most likely to need Accessing Information from the Wireless Web MCommerce Essentials of Business Information Systems Chapter 9 ECommerce: Digital Markets, Digital Goods 169。 2022 by Prentice Hall Types of Electronic Payment Systems Electronic Commerce Payment Systems Essentials of Business Information Systems Chapter 9 ECommerce: Digital Markets, Digital Goods ? Digital credit card payment systems ? Credit cards account for 80 percent of online payments in US. 169。 2022 by Prentice Hall Credit Card Payment 169。 2022 by Prentice Hall Types of Electronic Payment Systems Electronic Commerce Payment Systems Essentials of Business Information Systems Chapter 9 ECommerce: Digital Markets, Digital Goods ? Digital wallet（電子錢包） ? Stores credit card and owner identification information and enters the shopper’s name, credit card number, and shipping information automatically when invoked to plete a purchase ? Micropayment systems（微支付） : ? Developed for purchases of less than $10 ? Accumulated balance digital payment systems ? Accumulating debit balance that is paid periodically on credit card or telephone bills 169。 2022 by Prentice Hall 案例 — 中銀電子錢包 169。 2022 by Prentice Hall 案例 — 中銀電子錢包（續(xù)） ?利用中銀電子錢包的支付流程： （ 1）申請中國銀行長城借記卡； （ 2）安裝中銀電子錢包客戶端軟件； （ 3）設(shè)置電子錢包的用戶信息和銀行卡信息 ； （ 4）為長城借記卡獲取數(shù)字證書； （ 5）登錄網(wǎng)上商店，選購商品； （ 6）選擇中銀電子錢包付款； （ 7）商家按訂單要求向客戶交貨。 169。 2022 by Prentice Hall Types of Electronic Payment Systems Electronic Commerce Payment Systems Essentials of Business Information Systems Chapter 9 ECommerce: Digital Markets, Digital Goods ? Stored value payment systems ? Enable online payments based on value stored in online digital account ? Smart card ? Digital Cash ? Currency represented in electronic form 169。 2022 by Prentice Hall 電子現(xiàn)金是 一種以數(shù)據(jù)形式存在的現(xiàn)金貨幣。它把現(xiàn)金數(shù)值轉(zhuǎn)換成為一系列的加密序列數(shù)，通過這些序列數(shù)來表示現(xiàn)實(shí)中各種金額的幣值。 169。 2022 by Prentice Hall 電子現(xiàn)金的特點(diǎn) ? ⑴銀行和商家之間應(yīng)有協(xié)議和授權(quán)關(guān)系。 ? ⑵用戶、商家和 ECash銀行都需使用 ECash軟件。 ? ⑶ ECash銀行負(fù)責(zé)用戶和商家之間資金的轉(zhuǎn)移。 169。 2022 by Prentice Hall ? ⑷身份驗證是由 ECash本身完成的。 ECash銀行在發(fā)放電子貨幣時使用了數(shù)字簽名。商家在每次交易中，將電子貨幣傳送給 ECash銀行，由 ECash銀行驗證用戶支持的電子貨幣是否有效（偽造或使用過等）。 ? ⑸匿名性。 ? ⑹具有現(xiàn)金特點(diǎn)，可以存、取、轉(zhuǎn)讓，適用于小的交易量。 169。 2022 by Prentice Hall Types of Electronic Payment Systems Electronic Commerce Payment Systems Essentials of Business Information Systems Chapter 9 ECommerce: Digital Markets, Digital Goods ? Peertopeer payment systems ? Paypal ? Digital checking（電子支票） ? Extend functionality of existing checking accounts to be used for online payments ? Electronic billing presentment and payment systems ? electronic fund transfers 169。 2022 by Prentice Hall 169。 2022 by Prentice Hall 169。 2022 by Prentice Hall Alipay（支付寶） buyer Alipay seller shipment the required product 169。 2022 by Prentice Hall 169。 2022 by Prentice Hall Digital Payment Systems for MCommerce Electronic Commerce Payment Systems Essentials of Business Information Systems Chapter 9 ECommerce: Digital Markets, Digital Goods ? Mmerce purchases are often micropayments ? Micropayment systems successful in Europe, Asia ? ―Walled garden‖ model ? Interoperability ? Universal mmerce payment system