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1 Internet payment system
E-comany mechanism for fund transfer from customer to merchant or business to business via the Internet. There are many payment options available, including credit card payment, credit transfer, electronic checks, direct debit, smart cards, prepaid schemes, loyalty scheme points-based approaches, person-to-person payments, and mobile phone schemes.Getting the online payment system right is critical to the success of e-commerce. Currently, the most common form of online consumer payment is by credit card (90% in the United States; 70% in Europe). The most commonbusiness-to-businesspayments,however, are still offline—probably because such transactions often involve large sums of money.Good online payment systems share key characteristics: ease of use; robustness and reliability; proper authentication (to combat fraud); efficient integration with the vendor’s own internal systems; security and assurance procedures which check that the seller gets the money and the buyer gets the goods. -
2 UN/EDIFACT
E-coma standard for electronic data interchange widely used in Western Europe and very similar to the ANSI X.12 standard.
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