【正文】 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(kāi)設(shè)商業(yè)賬戶。在網(wǎng)上填寫(xiě)申請(qǐng)表之前， 請(qǐng)確保你是在一個(gè)安全的網(wǎng)頁(yè)下進(jìn)行的，看看URL信息是否正確。顧客擔(dān)心商家以及其他團(tuán)體的欺詐行為。你可以申請(qǐng)一個(gè)即時(shí)批核個(gè)人或商務(wù)信用卡， 這樣可以節(jié)省時(shí)間和金錢(qián)。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(wèn)他們的網(wǎng)站檢查你的在線信用卡申請(qǐng)的狀態(tài)。在你填寫(xiě)了在線信用卡申請(qǐng)表單并提交以后，你的申請(qǐng)信息會(huì)通過(guò)專(zhuān)用的安全通道進(jìn)行傳輸并被處理?！　、? Credit card信用卡　　It is very simple to fill out a credit card online and see if you are eligible for an instant approval credit card. When you apply for an online credit card you will need to supply information including your full name, address, social security number, your annual ine and your source of ine and other information that is needed to process the credit card application. After you fill out the online credit card application form and submit your information. It will be transmitted via a dedicated security line for processing. If you are approved，you will receive your card in the mail a few days later. Some panies will even send you an Email regarding your instant approval credit card or you can visit their Web site to check the status of your online credit card application.　　在線申請(qǐng)一張即時(shí)批核信用卡是一件很容易的事情。如果商品是通過(guò)電子方式發(fā)貨，如可下載的電腦游戲，那么從顧客支付到文件出現(xiàn)在顧客硬件上的整個(gè)過(guò)程在一兩分鐘內(nèi)就可完成，當(dāng)然這還取決于文件的大小和下載速度。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。支付形式隨電子商務(wù)的需求不斷發(fā)展。進(jìn)行支付所有需要的信息如：信用卡號(hào)、個(gè)人身份號(hào)碼，都以數(shù)字形式 出現(xiàn)?！　n electronic payment is a payment that is transmitted electronically either over telephone lines, or between Web sites on the Internet. No tangible currency such as a bank note or check hands. Any information required to make the payment，such as a credit card number or personal identification number (PIN ) , exists only in digital form. Payment is a very important step in the Emerce procedure，electronic payment is developed for the demand of Emerce applications. The process of electronic payment is as follows ：　　電子支付就是通過(guò)電話或者互聯(lián)網(wǎng)站進(jìn)行電子傳輸?shù)母犊罘绞健Ｈ缃?，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)?！　ne of the most important features that set an Emerce Web site apart from other kinds of Web sites is that an Emerce site receives payment information online. Traditionally ，all payment transactions involved some form of paper，whether a check，an invoice ,a credit card, or cash. Nowadays, the very hot topic people often talk about is how customers can get the online products or services conveniently and instantly. We can pay all of our monthly salary with a few clicks of the mouse, purchase products without leaving our desk, and have our money directly deposited into our bank account.　　電子商務(wù)網(wǎng)站有別于其他網(wǎng)站特征之一就是電子商務(wù)網(wǎng)站接受在線支付。信息可設(shè)計(jì)為“只讀”和“禁入”，也使用像加密之類(lèi)的安全措施。當(dāng)你通過(guò)交費(fèi)站時(shí)，安裝在你汽車(chē)?yán)锬硞€(gè)設(shè)備中的非接觸式智能卡能自動(dòng)繳費(fèi)。　　智能卡可分為接觸式和非接觸式，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。如打電話、訪問(wèn)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。商務(wù)英語(yǔ)Electronic Payment電子支付 智能卡是一種在卡面置入計(jì)算機(jī)芯片的卡。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。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(shì)，全球智能卡的使用將會(huì)急劇增加。比如非接觸式智能卡便于交通費(fèi)支付方面的交通服務(wù)。智能卡會(huì)要求用戶輸入密碼，從而具有比信用卡更安全的優(yōu)點(diǎn)。為表示對(duì)安全問(wèn)題的關(guān)注，卡面上設(shè)有圖像來(lái)識(shí)別用戶。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。只需點(diǎn)動(dòng)鼠標(biāo)，我們即可花整月的工資，購(gòu)買(mǎi)商品，將錢(qián)直接存人銀行賬戶。并沒(méi)有有形的貨幣流通。電子商務(wù)交易中最為重要的一步就是支付。電子支付流程如下：　　A customer who decides to purchase an item from an online business is transferred to a se