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TEST: ONLINE PAYING NAME: TRẦN THỊ CẨM NHUNG CLASS: 17BA Mục lục Contents A Định nghĩa và đặc điểm của toán điện tư B Định nghĩa toán điện tư Characteristics of E- Payment Some electronic payment methods she processes them .3 I E-wallet: A Định nghĩa và đặc điểm của toán điện tư Định nghĩa toán điện tư Dennis (2004) defined epayment system as a form of financial commitment that involves the buyer and the seller facilitated via the use of electronic communications Briggs and Brooks (2011) saw e-payment as a form of inter-connections between organizations and individuals aided by banks and inter-switch houses that enables monetary exchange electronically Peter and Babatunde (2012) viewed e-payment system as any form of fund transfer via the internet Going by the above definitions, e-payment system can simply be defined as a collection of components and processes that enables two or more parties to transact and exchange monetary value via electronic means Characteristics of E- Payment Flexibility :payment should be in a position to accept several forms of payment rather than limiting the user a single form of currency Reliability: payment should ensure and confidence in user The users should be completely shielded from systematic or one point failure Acceptability : the payment should be available and accessible to a wide range of consumers and sellers of the goods and services It can be robust Convertibility :the e-payment should be interoperable and interchangeable with other form of e- cash, paper, currency and deposits in a bank account B I Some electronic payment methods she processes them E-wallet Define E-wallet is a system that stores a customer's data for easy retrieval for online purchases Since completing forms of an e-retail transaction can be a reason for aborting a transaction, an e-wallet service can reduce this inconvenience for the consumer An electronic wallet (E-wallet) provides all of the functions of today’s wallet on one convenient smart card eliminating the need for several cads The E-Wallet will also provide numerous security features not available to regular wallet carriers An electronicwalletis an electronic application that enables online e-commerce transactions like purchasing goods, paying utility bills, transferring money, booking flight etc with a financial gadget (credit card/digital currency) using smart phones or computers Advantages and disadvantages of E-Wallet 2.1 Advantages The first advantage of E-wallet offers more convenience to many consumers Whereby consumers will not there is no longer any need to carry a large amount of cash with either All you need to is to tap your device to make a payment or scan your mobile device to pay for the item you are purchasing Next, the second advantage of using E-wallet would exciting rewards Many e-wallets provide incentives to encourage consumers to use them instead of traditional payment methods Discounts may apply to certain purchases such as fuel, food, and travel The third advantage of E-wallet could help plan your budget Many e-wallets will help you keep track of your spending habits Some generate reports that show specific spending categories You can also assign a fixed budget to a specific cost category to avoid spending more on specific items The fourth advantage of E-wallet is quick transfer of funds Money wallets make money transfer and remittance quick and easy In addition, there are currently no transaction fees imposed to transfer money anywhere, anytime Therefore, it is a more preferred option Besides, the fifth advantage of E-wallet is requires users to authorize every transaction Electronic wallets function like a debit card when initiating a transaction They require you to input your PIN to authorize payment For devices with biometrics, a payment would require your fingerprint to authorize it That gives you another layer of security against unauthorized purchases or the financial risks associated with identity theft Lastly, the sixth and final advantage or using E-Wallet of easy to load money You can easily add money to your wallet via net banking, credit card or debit card Because you can save these details, you save time with no need of entering these details each time you create a transaction 2.2 Disadvantages Firstly, one of the disadvantages of using an e-wallet is having a technical problem when we are using the e-wallet This is the reason that when the e-wallet’s app is having technical problems such as system malfunction, system outages and system shutdown, people need to use the traditional way to pay for their items or goods but some people didn’t even bring their wallet because they never expect that e-wallet will be having technical problem, therefore the transaction could not be completed Besides that, e-wallet is not fully available worldwide which makes it one of the disadvantages of using e-wallet For example, different retailer accepts a different kind of payment such as Wechat Pay, Grabpay, Razerpay and more One of the highest the disadvantages of using an e-wallet is having security risks problems Retailer accepts one wallet but not others Some retailers may accept one electronic wallet but not others Many electronic wallets are not class cross platform Ex: Samsung Pay does not work on Apple devices and Apple Pay does not work on Android devices Last but not least, e-wallet could make you spend your money recklessly.The E-wallet user doesn’t bring up saving habit, E-wallet might be a trouble to the user due to the reason that the money doesn’t feel real to the user as it is intangible E-Wallet payment process 3.1 Steps to create e-wallet Step Download application To get started, you have to download the e-wallet application from Google Play for Android-based phones or Apple App Store for IOS-based phones Eachbank has a different e-wallet application Step Once the application has been downloaded on the phone, it has to be opened and some basic details, mobile number and have to be entered Step Set a PIN The final step of the registration process is the setting of a numeric PIN by the user Once the PIN is set, a one-time verification code is sent to the registered mobile number, which has to be entered by the user to complete the registration process Step Complete: After completing we will get into the main interface of the e-wallet as follows 3.2 Link cards Once the registration process is complete, you can link your debit and credit cards to the e-wallet by entering necessary card details or by simply scanning the card with your mobile phone You can also link your existing online banking account and directly load cash into the wallet Step 1: from the main interface click on the deals box every day Step 2: Select Add Link Step 4: Select Bank Step 3: Select Link to bank account Step 5: Enter the wallet security code Step 6: Enter card information Step 7: Enter the OTP code sent to your phone Step 8: Complete: The account has been linked to your wallet The process of buying with Momo E-wallet Step 1: Go to Momo wallet homepage and select the product to buy For example: Buying scratch card codes Step 2: Select the network and scratch card value Step 3: Secure payment Check back and choose confirm to complete Step 4: Finish: Transact successfully and receive scratch card code 10 Pay electric bills with Momo e-wallet Step 1: Visit momo Step 2:wallet Select power homepage Choose to area pay the bill Step 3: Enter the customer code and check Step 4: The bill is insured Click payment 11 Step 5: Secure payment helps confirm the amount you need to pay Choose confirm Step 6: Complete payment and receive electronic invoices Press the home screen to return to the home page 12 II Mobile payment Define Mobile payment is buying of goods or services, executed via a device with wireless capability Thus, purchases can be made by the clients in online stores, which are able to accept payments executed from mobile devices whilst on the move Another is mobile payment is a transfer of funds in return for goods or services in which a mobile device is functionally involved in executing and confirming payment The payer can be standing at a POS or be interacting with a merchant located somewhere else Mobile payment systems enable customers to purchase and pay for goods or services via mobile phones 2.1 Advantages and disadvantages of Mobile payment Advantages When mobile payments work the way they're designed to, they're not just convenient, they're astonishingly convenient What else makes mobile payments so great? They're fast All you have to to pay is tap your smartphone (or smartwatch) to the payment terminal and authenticate the transaction, usually with your fingerprint Then you can walk out of the store You don't have to dig through your wallet, swipe a card, or sign anything Just tap and go They're secure Most mobile payment apps are tokenized, which means they don't store or send your credit card information When you initially enter your card information, the app verifies it with your bank and afterwards, uses a "token" as a stand-in for your personal information Each transaction is made using that token combined with a one-time-use security code Even if a hacker got these things, they wouldn't be able to use your credit card They're more physically secure, too If your phone is lost or stolen, a thief won't be able to run up big credit card bills Why? Because your payment information should still be secured behind a passcode or biometric authentication (or both) If you're carrying cash or credit cards, your money is as good as spent if a thief makes off with your wallet 13 They're widely accepted Most major retailers accept some form of mobile payment — though not always the one you want to use If you're in an urban area, there's a good chance you have a lot of mobile payment options Everything's on your phone You don't have to carry cash or cards around because everything you need to make a purchase is on your phone (and you're probably carrying that anyway) They work with rewards programs Most mobile wallets let you add store loyalty or rewards cards When you make a mobile purchase using a credit card in the wallet, it'll automatically link the purchase to your rewards program Thus, you get all the benefits of a rewards program without having to carry the card in your wallet 2.2 Disadvantages Once you've successfully used your phone to pay for something, you may never want to go back to digging through your wallet and signing receipts after every transaction But you may not have a choice, because mobile payments have their flaws, too They aren't always accepted While mobile payments are accepted at a growing number of retailers, tons of stores don't take them Apple Pay is the most widely accepted form of digital payment, and even so, only 36% of North American retailers support it Though another 22% say they intend to accept Apple Pay within the next year, that still means more than 40% of the stores you visit won't accept it Even if they are accepted, they aren't all accepted A store may accept digital payments, but it's unlikely to accept all of them So you could walk into a retailer that's digital payment friendly but still have to use your credit card For example, Walmart accepts mobile payments, but only from its own Walmart Pay platform, which only works at Walmart They're easier to track Every transaction leaves a digital record, which makes some people concerned about privacy While these certainly aren't posted publicly, there's always the fear of hackers 14 They're only supported by certain phones Most mobile payment systems use a technology called NFC to send transaction data to a payment terminal — and not all phones can it (Walmart Pay is an exception, however, as it just requires a cashier scanning a QR code on your phone screen.) Payments are tied to your phone If your phone is lost or stolen — or even if the battery dies — you're out of luck, because you can't make payments The Bottom Line Mobile payments are convenient when they work But whether they'll work for you depends on where you shop and even the kind of phone you have If you regularly shop at stores that accept mobile payments, great! You're on the path to a more convenient future Otherwise, mobile payments can be a hassle — and they aren't reliable enough yet that you can leave your wallet at home Mobile payment Process Step 1: Go to the internet banking homepage and choose a form of payment Step 2: Choose the money transfer method For example: money transfer For example: interbank transfer 15 Step 3: Choose the regular transfer method for more stable transactions and fill out your information Choose to continue Step 4: Confirm the transaction by entering the system OTP code sent to your phone Step 5: Exchange completed Receive an invoice and choose to return to the home page or make a next transaction (if necessary) 16 III Thanh toán thẻ hình thức toán offline Define A payment card is a non-cash payment instrument, issued by banks, financial institutions or companies that cardholders can use to pay for goods, services or cash withdrawal at banks, bank agents or automated teller machines Advantages and disadvantages II.1 Advantages of using payment cards for purchases Advantages of using company credit, debit, charge or pre-paid cards to make purchases include: Convenience - cards are quicker and might be cheaper to use than cheques They're useful for everyday expenses and can be used over the phone and internet Credit - credit or charge cards can offer an interest-free period of varying lengths, dependent on which card issuer you use Most cards are globally recognised - using cards for foreign travel purchases may give you better exchange rates Ability to monitor expenditure - you can specify which employees receive cards and set different credit limits for each card Fast access to cash - cash can be withdrawn from ATMs However, card issuers may levy a commission and - if given on credit - interest is payable from the day the cash is withdrawn Reduction in administration - with a company credit or charge card, you pay one bill each month, no matter how many purchases you make Itemised monthly statements can help with your accounting and administrative procedures II.2 Disadvantages of using payment cards for purchases Even though you can usually set maximum spending limits on employees' cards, be aware that you're giving your employees the opportunity to spend company money unchecked As with personal payment cards, you are also open to the possibility of two further major drawbacks 17 Card fraud - if the card details are discovered or revealed, you may find fraudulent purchases appearing on your statement If this is due to an employee's negligence, your business will be liable for the payments Financial Fraud Action UK provide guidance on preventing card fraud Debt - with the convenience of a plastic card and the time lapse between purchase and payment, it can be tempting to overextend yourself and build up debts for the business Remember, if you make purchases with a credit card and don't pay off the bill in full, you'll incur interest chargesCard Payment Procedure Card Payment Procedure Step 1: Choose to wear goods to buy at the store Step 2: Bring the product to the counter and request a card payment with the store staff 18 Steep 3: The store clerk receives your card and proceeds to pay Step 5: After confirming the money and PIN The invoice will be printed Step 4: Check your payment amount and enter the PIN for your card Step 6: You receive and sign the receipt 19

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