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Katarína KoščováTatiana KrišpinskáMarek DemínMartin Valdner
26.11.2007E-business and E-marketing
Electronic payment systems
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Electronic money
Money or scrip
which is exchanged
only electronically
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Advantages of electronic money
No handling physical cash or cheques
No waiting on lines
Lower-hassle environment
Immediate transfer
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Disadvantages of electronic money
Fraud
Failure of technology
Possible tracking of individuals
Loss of human interaction
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Consumer resistance
Proof of payment
Control
Security and privacy
No time or motivation to make a change
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Payment cards
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Payment cards
contain information that can be used for payment purpose3 forms: credit, debit and charge credit card - purchases up to limit fixed by the card issuer
Front side1. Issuing bank logo2. EMV chip3. Hologram4. Card number5. Card brand logo6. Expiry Date7. Cardholder's
nameReverse side1. Magnetic Stripe2. Signature Strip3. Card Security
Code
typical credit card
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Payment cards
debit card - money comes directly out of the holder’s checking account.
- transfer of funds within 1 to 2 days
The "debit" networks -> purchases are made in person and a personal identification number is suppliedThe "credit" networks -> cards are charged with only a signature, and/or picture ID
Online and offline debit transactions- online debit (PIN debit) - offline debit (signature debit)
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Payment cards
charge card - obtaining a very short term(30-45days) loan for a purchase
- charges every month - no "min. payment"
virtual credit cardsdesigned for online purchasesrandomly generated card number tied to the buyer’s actual card numbercan be used only onceknown as single-use card number
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Payment cards
a plastic card with an embedded chip 1. Contact card
- gold plate- EPROM or EEPROM
2. Contactless (proximity) card
- embedded antenna2 types of smart card readers -> contact and proximity
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Slovak electronic payment systems
TatraPay
CardPay
ČSOB Platobné tlačidloUniPlatbaPB platba onlineOTPpay
VÚB ePlatby SporoPay
315 144 105
19 18 17 12
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PayPal.com
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Moneybookers.com
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PayPay.com
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Nochex.com
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2CHECKOUT.com
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CCBill.com
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EPOCH.com
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checkout.google.com
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StormPay.com
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Katarína KoščováTatiana KrišpinskáMarek DemínMartin Valdner
26.11.2007E-business and E-marketing
Thank you for attention!