Unit 3（课件）-《电子商务英语》同步教学（大连理工大学出版社）

Learning Objectives Upon completion of this chapter, you will be able to: ● define electronic payment. ● identify e-payment options. ● explore the difference between credit cards and debit cards. ● describe basic steps in an online payment card deal. ● understand e-cash, e-check and e-wallet. Unit 3 Internet Payment Passage A 　　Issues of trust and acceptance play a more significant role in the e-commerce world than in traditional businesses as far as payment systems are concerned. Traditionally, a customer sees a product, examines it, and then pays for it by cash, check, or credit card (Figure 3.1). In the e-commerce world, in most cases, a customer does not actually see the concrete product at the time of transaction, and the method of payment is performed electronically. Passage A 　　EPSs enable a customer to pay for the products and services online by using integrated hardware and software systems. The main objectives of EPSs are to increase efficiency, improve security, and enhance customer convenience and ease of use. There are several methods and tools that can be used to enable EPS implementation (Figure 3.2). Passage A 　　While customers pay for products and services by cash, check, or credit cards in conventional businesses, online buyers may use one of the following EPSs to pay for products and services purchased online: 　　• Electronic fund transfer (EFT): EFT involves electronic transfer of money by financial institutions. 　　• Credit cards: They are the most popular methods used in EPSs. 　　• Debit cards: They are usually preferred by customers who shop online within their financial limits. 　　• Smart cards: They include stored financial value and other important personal and financial information used for online payments. 　　• Electronic cash (e-cash): The standard money converted into an electronic format to pay for online purchases. 　　• Electronic checks (e-checks): A digital version of old paper checks. They’re an electronic transfer of money from