【正文】 工作的錢包和那些商家不可知的錢包。盡管電子錢包對(duì) P客是免費(fèi)的，然而卻向商家收費(fèi)。在購(gòu)買結(jié)束時(shí)，他被要求為他選擇的錢包簽上用戶名和今后購(gòu)買時(shí)的口令?！　lectronic wallets are available to customers free of charge, and they are fairly easy to obtain. For example, when a customer makes a purchase at a merchant’s site that is set up to handle serverside electronic wallets, he types his name and payment and shipping information into the merchant’s own form. At the end of the purchase, the customer is　asked to sign up for a wallet of his choice by entering a user name and passport for futurepurchases. Users can also get wallets at a wallet vendor’s site. Although a wallet is free for customers，vendor charge merchants for wallets.　　對(duì)顧客來(lái)說(shuō)，電子錢包是免費(fèi)的，可以相當(dāng)容易得到。消費(fèi)者使用電子錢包時(shí)也能得到好處，因?yàn)樗麄兊男畔⒈患用芰耍从伤饺塑浖a加以保護(hù)。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。是一種能使用戶在互聯(lián)網(wǎng)上支付貨款的軟件。很多競(jìng)爭(zhēng)草案出現(xiàn)在市場(chǎng)上，沒(méi)有人知道哪一種將會(huì)主導(dǎo)市場(chǎng)。這是數(shù)字現(xiàn)金和信用卡的主要差別之一，另一個(gè)就是數(shù)字現(xiàn)金可重復(fù)使用。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。與真正鈔票上的序號(hào)一樣，數(shù)字現(xiàn)金的號(hào)碼是各不相同的。有些數(shù)字現(xiàn)金可通過(guò)在線購(gòu)買然后寄予接收人，收到之后，就可以從接受電子現(xiàn)金支付的網(wǎng)站購(gòu)買產(chǎn)品了。由于數(shù)字現(xiàn)金可直接從銀行賬戶取出，它與真實(shí)的現(xiàn)金非常相似。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(méi)有信用卡的在線購(gòu)物。數(shù)字現(xiàn)金賬戶類似于傳統(tǒng)的銀行存款：消費(fèi)者將錢存人數(shù)字現(xiàn)金賬戶以用于其數(shù)字交易?！　ayment is issued to the merchant after the product has been shipped.　　Digital cash數(shù)字現(xiàn)金　　Digital cash is one example of digital currency, and is also referred to as script,Ecash, or digital coil. It is stored electronically and can be used to make online electronic payments. Digital cash accounts are similar to traditional bank accounts ： consumers deposit money into their digital cash accounts to be used in their digital transactions. Digital cash is often used with other payment technologies, such as electronic wallets. Aside from alleviating some of the security concerns many people have about online credit card transactions ，digital cash allows people who do not have credit cards to shop online. A consumer can buy digital cash and store it in an electronic wallet. The electronic wallet is electronically linked to the consumer’s bank account and can be refilled at any time. Since digital cash is drawn directly from a bank account, it very much resembles real cash. Digital cash is often used to pay for electronic goods, such as software, games, and reference materials received over the Internet. Some forms of digital cash can be purchased online and then Emailed to a recipient, who then can use it to purchase products from Web sites that accept Ecash payments.　　數(shù)字現(xiàn)金是數(shù)字貨幣的一個(gè)例子?！　erification is received by the acquiring bank and is passed on to the merchant.　　收款行收到證明，傳給商家?！　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。　　When making a purchase online using a credit card:　　當(dāng)使用信用卡在線購(gòu)買時(shí)：　　The buyer will be required to submit their creditcard number, expiration date and shipping and billing information. This information is sent securely over the Internet to the merchant.　　買方需要提交其信用卡號(hào)碼、有效期限、裝運(yùn)和賬單信息，該信息通過(guò)互聯(lián)網(wǎng)安全地送到商家。例如，當(dāng)網(wǎng)上購(gòu)物時(shí)，雖然提供了卡號(hào)和有效期，但商家看不到購(gòu)物時(shí)實(shí)際使用的卡。隨著電子商務(wù)的成長(zhǎng)，已經(jīng)開(kāi)設(shè)了專用的網(wǎng)絡(luò)商業(yè)賬戶去處理在線信用卡交易?！　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